Adviser Disclosure

I am a Financial Adviser for The Smart Advice Collective. I provide financial advice on behalf of Wealthpoint Limited (FSP678011) which holds a Financial Advice Provider Licence.

Unless detailed in this document, my advice and recommendations will be personalised to your specific situation, considering your goals, personal situation, or your specific needs.

Name: Sarah Cavanagh

Financial Adviser: FSP1003518

Address: 308 Parnell Road, Parnell Auckland 1052

Phone Number: 021 800 864

Email Address: sarah@smartac.co.nz

Website: www.thesmartadvicecollective.co.nz

QUALIFICATIONS
NZ Certificate in Financial Services – Level 5

- Life, Disability and Health Insurance
- Investments

EXPERIENCE
I have been a Financial Adviser since 2006, and have been in financial services in New Zealand since 1996

SERVICES I CAN ASSIST WITH

• Life Insurance: Insurance providing a payment upon terminal illness or death of the insured.

• Trauma Insurance/Serious Illness/Critical Illness cover: Insurance providing a lump sum payment to cover immediate medical expenses and other financial needs when a critical illness or injury occurs.

• Disability Insurance: Insurance that provides a lump sum in the event the insured is prevented from working and unlikely to work again in the future due to disability.

• Income/Mortgage Protection: Insurance that provides income in the event the insured is prevented from working and earning an income due to an illness or disability.

• Health Insurance: Insurance providing reimbursement for certain types of medical expenses.

• General Financial Advice: Services include Budgeting, Debt Management, Cashflow Management, Goal Setting and Financial Planning, Guidance on Estate Planning, Emergency Fund Planning.

• KiwiSaver: A voluntary savings scheme to plan for retirement.

• Investments: The investing of money or capital to meet goals and objectives.