SARAH CAVANAGH
Advisor 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
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Financial Adviser: FSP1003518
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Address: 308 Parnell Road, Parnell Auckland 1052
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Phone Number: 021 800 864
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Email Address: sarah@smartac.co.nz
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Website: www.thesmartadvicecollective.co.nz
QUALIFICATIONS
NZ Certificate in Financial Services – Level 5
- Life, Disability and Health Insurance
- Investments
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EXPERIENCE
I have been a Financial Adviser since 2006, and have been in financial services in New Zealand since 1996
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DUTIES INFORMATION
I am bound by the duties of the Financial Markets Conduct Act to:
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Meet the standards of competence, knowledge and skill set out in the Code of Conduct
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Give priority to the clients’ interest and exercise care, diligence and skill and meet the standards of ethical behaviour and conduct.
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Client care as set out in the Code of Conduct.
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.
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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.