How We Work With You

We’ll get to know your goals, give you advice, and support you along the way. Here’s the important information you need to know about how we do that.

Licensing Information

Levridge Limited (FSP1005285) is a licensed Financial Advice Provider (FAP). We’re regulated by the Financial Markets Authority to provide financial advice in New Zealand.

What We Can Help You With

We provide advice and guidance on:

• KiwiSaver

• Managed Funds

• Mortgages

• Insurance

• Direct Property Investment

• Cashflow Management

• Retirement Planning

• Financial Planning

How We Work With Providers & Fees

KiwiSaver & Managed Funds

We work with Generate, Milford Asset Management Ltd, and NZ Funds. These providers may pay us a commission when you join, plus an ongoing service fee. This doesn’t cost you anything extra – we don’t charge clients additional fees for this advice.

Mortgages

We provide advice on mortgage structures and, where needed, work with trusted mortgage advisers who have access to a wide range of banks and lenders. They may receive a commission from the lender, and may share part of that with us. Again, there are no additional costs to you. 

Insurance

We provide advice on the right level and type of insurance for your needs. When you take out or change a policy, we work with trusted insurance advisers who have access to a wide range of insurers. They may receive a commission from the insurer, and may share part of that with us. There are no additional costs to you.  

Direct Property Investment

We provide strategy and advice on direct residential investment property in New Zealand. We may refer you to our sister company, Property IQ, who can source quality investment properties on your behalf. Property IQ may receive a fee from the property vendor, and may pay a portion of that fee to Levridge. You won’t be charged extra for this.

Cashflow Management

We offer tailored programmes to help you manage your money day-to-day. A fee will apply for this service, depending on the level of support and monitoring you choose.

Retirement Planning

We provide advice and strategies to help you reach your retirement goals. Fees will depend on the complexity and level of advice required.

Financial Planning

We create personalised financial plans to help you achieve your long-term goals. Fees depend on the time, complexity, and scope of advice needed.  

How Fees Work 

If Levridge charges a fee for advice, we’ll always talk about it with you first. You’ll never be charged anything without your prior consent. The exact fee will be confirmed before we start any work.

Conflicts of Interest and Commissions

Levridge and Amy Po-Ching may receive commissions or fees from product providers and specialists we work with.

In addition, Amy Po-Ching is the director and shareholder of both Levridge Limited and Property IQ Limited. These sister companies were set up to provide a holistic service — financial planning and advice through Levridge, and property investment opportunities through Property IQ.

Because of this structure, there are potential conflicts of interest:

• Levridge may provide advice that could lead to Property IQ receiving a fee from a property purchase.

• Levridge may also provide mortgage advice, which could result in a commission paid by a bank or lender.

To make sure our advice is always in your best interests:

• Any property or mortgage recommendations are based on your goals and financial situation — not on fees or commissions.

• We always disclose upfront if Levridge or Property IQ may receive a fee or commission.

• We follow a structured advice process and keep records showing how our advice puts your interests first.

• Our advisers receive annual training on identifying and managing conflicts of interest.

• We maintain a register of conflicts, gifts, and incentives, which is monitored regularly.

• We have an independent compliance review carried out annually by Strategi.

You can be confident that our advice is about helping you achieve the right long-term outcomes — not about maximising fees or commissions.

If You Have a Complaint

If something isn’t right, please tell us as soon as possible.

Call: 021 331 395

Email: amy@levridge.co.nz

Here’s what happens if you make a complaint:

• We’ll consider your complaint and try to resolve it straight away.

• If it takes longer, we’ll acknowledge your complaint within 2 business days and may ask for more details.

• We aim to resolve complaints within 10 working days. If it takes longer, we’ll keep you updated.

• We’ll contact you by phone or email to let you know the outcome.

If we can’t resolve it together, you can contact our external disputes resolution scheme.

Financial Services Complaints Ltd (FSCL)
Call: 0800 347 257
Email: complaints@fscl.org.nz
Write to: PO Box 5697, Wellington 6140

FSCL provides a free and independent service to help resolve complaints. 

Our Duties To You

Under the Financial Markets Conduct Act 2013, Levridge and our advisers have a legal duty to:

• Put your interests first

• Exercise care, diligence, and skill

• Meet the competence, knowledge, and skill standards of the Code of Professional Conduct for Financial Advice Services

• Meet the ethical behaviour, conduct, and client care standards of the Code of Professional Conduct

• As a licensed FAP, Levridge must also:

• Ensure our nominated representatives comply with these duties

• Have strong processes and controls in place to guide and regulate the advice they provide

Contact Details

Levridge Limited (FSP1005285), is the Financial Advice Provider.

Call: 021 331 395

Email: amy@levridge.co.nz 

A written copy of this information is always available upon request.