Nature and Scope of Our Advice

Our advice services include:

• KiwiSaver

• Superannuation

• Investment and managed funds

• Goal-based financial planning, including retirement planning

• Financial courses and coaching

For KiwiSaver advice our main providers include, but are not limited to:  

• Booster Investment Management

• Fisher Funds

• Generate Investment Management

• GoalsGetter (Amova Asset Management)

• Kōura Wealth

• Milford Funds

• NZ Funds Management

If you are interested in a particular product offered by another provider, please let us know and we’ll be happy to provide advice accordingly.

The Holistic Money Co. does not provide insurance, taxation, accounting, estate planning, direct property investment or wholesale investments; however, we can refer you to specialists in these areas.

Statutory Obligations and Duties

The Holistic Money Co., and our financial advisors, have duties under the Financial Markets Conduct (FMC) Act 2013 and New Zealand Code of Professional Conduct for Financial Advice Services (the Code) relating to the way we provide advice.   

The statutory duties outlined in Sections 431I to 431P of the FMC Act require advisers to:

• Give Priority to Client Interests: If a conflict of interest arises between the client and the adviser (or those connected to the adviser), the adviser must put the client’s interests first.

• Exercise Care, Diligence, and Skill: We must act with the same level of care, diligence, and skill that a prudent professional financial adviser would exercise in identical circumstances.

• Ensure Client Understanding: We must take reasonable steps to ensure clients understand the nature and scope of the advice being provided, including any limitations about what we can or cannot advise on.

• Meet Competence and Eligibility Standards: We must possess the required level of competence, knowledge, and skill, and meet any specific eligibility criteria (such as Continuing Professional Development) before giving advice.

• Avoid Prohibited Recommendations: We must not recommend that a retail client acquire a financial product if it is offered in a way that contravenes the FMC Act or its regulations.

The Code sets out mandatory standards for anyone giving regulated financial advice to clients. 

Part 1: Ethical Behaviour, Conduct, and Client Care

• Treat clients fairly: Treat clients with respect, communicate clearly, and avoid taking advantage of a lack of financial knowledge.

• Act with integrity: Do not mislead clients, ensure business activities support trust in the industry, and manage conflicts of interest.

• Give suitable advice: Ensure the financial advice is appropriate for the client’s specific circumstances and needs.

• Ensure the client understands: Present advice in a way that allows the client to make an informed decision.

• Protect client information: Safeguard client privacy and personal data.

Part 2: Competence, Knowledge, and Skill

• General competence: Possess a foundational understanding of the regulatory framework and financial advice concepts.

• Particular competence: Meet higher knowledge requirements if designing an investment plan or providing specialized product advice.

• Continuing Professional Development (CPD): Advisers must continually maintain and develop their competence, knowledge, and skills

Client Advice Process

To ensure that our financial advisers put your interests ahead of their own, we follow an advice process that ensures our recommendations are in your best interests, considering your personal circumstances, goals, investment timeframes and risk tolerance.     

1.   Establish the client-adviser relationship.  

2.   Gather client data and determine your goals and expectations.  

3.   Analyse and evaluate your financial position.  

4.   Develop and present our written advice.  

5.   Oversee implementation of the plan. 

6.   Monitor and review the plan. 

We maintain a close on-going relationship, regularly reviewing progress and working together to ensure you’re on track to achieve your goals.   

Handling of Client Money  

The Holistic Money Co. does not act as an intermediary; we do not receive money from clients into our own bank account, and we do not operate a trust account. Client funds are directly transferred from the client to their selected investment provider. 

How Compliance is Monitored

Kelly Nalder, a Director of the Holistic Money Co. will either personally review, or engage an independent person to review, all advice files for accuracy and compliance with statutory obligations.

Kelly is also the nominated Privacy Officer.  She is responsible for ensuring the company complies with the Privacy Act 2020. 

Fees and Commissions

The Holistic Money Co. offers free KiwiSaver reviews and guidance about fund selection.

Ongoing KiwiSaver service fees are generally already covered by your fund provider; we are remunerated by the KiwiSaver providers directly. If you choose to take our advice, some providers may pay The Holistic Money Co. a fee rebate, a management fee or an ongoing service fee, the amount of which will depend on your portfolio balance.

Any fees relating to specific financial products or financial planning advice will be clearly explained and agreed with you. Our commitment to you is no hidden costs, no surprises.

Our fees may include financial planning fees, investment advice fees, and ongoing service fees.

You may choose to pay for financial planning advice at an hourly rate. Alternatively, you may choose to pay a weekly or monthly amount to receive an ongoing financial coaching service.

Conflicts of Interest and Incentives  

The Holistic Money Co. provides independent, unbiased advice. 

We do not have any preferential terms, performance agreements or formal affiliations with any banks or financial product providers. We are not required to place any level of business with any product provider or financial organization.

We do not have any commercial relationships or contractual agreements in place that would create a conflict of interest for clients, or which would be reasonably likely to materially influence our company or our advisers in providing financial advice relating to those products.   

If a conflict or potential conflict of interest arises, we are obliged to disclose this to you. Should any such conflict be identified, we will put in place appropriate measure to manage this.

Our financial advisers complete ongoing Continuing Professional Development (CPD); this training includes how to effectively manage conflict of interests.

From time to time, The Holistic Money Co. may receive small gifts from product providers that we work with. These gifts are of minimal value and do not affect our business operations e.g., items such as wine, gift hampers or invitations to events. We maintain a conflict of interests register, and document any gifts or incentives we receive.

Complaints and Dispute Resolution  

If you have any issues, concerns, or are not satisfied with the service we have provided, we encourage you to contact us directly, either by emailing complaints@holisticmoney.co.nz or calling Kelly Nalder directly on 027 24 99 838. Our goal is to resolve all complaints without escalation.

The Holistic Money Co. will respond by following our internal complaints process.

• We will review and acknowledge your complaint within two working days.

• We will contact you by phone or email and let you know whether we can resolve the issue, and what we propose to do.

• If we are unable to address your concerns immediately, we may need to contact you to get additional information.

• We aim to resolve complaints within 10 working days of receiving them.  If we need more time to consider your complaint, we will let you know what action we are taking and when you can realistically expect a response.

In a situation where we are unable to resolve your complaint, or if you are not satisfied with the resolution proposed, we will refer the complaint to our external dispute resolution provider, and you are invited to do the same.

The Financial Dispute Resolution Service will work with us to help resolve any disagreements. This service will be provided at no cost to you.

You can contact the Financial Dispute Resolution Service through the following methods:

Phone: 0508 337 337

Email: enquiries@fdrs.org.nz

Address: Level 4, 142 Lambton Quay, Wellington Central, 6011

Website: https://www.fdrs.org.nz

Professional Indemnity Insurance  

The Holistic Money Co. and its advisers are covered under a Professional Indemnity (PI) Insurance policy with Ando Insurance Group. As with all insurance policies, there are terms, conditions, and exclusions that may apply.     

Reliability History    

Neither The Holistic Money Co. nor any of its financial advisors have been the subject of any criminal convictions, civil proceedings or regulatory sanctions.  None of our financial advisors have been adjudged bankrupt or made insolvent.

Further Information

Should you have any queries about this disclosure statement, or if you want to learn more about The Holistic Money Co., please feel free to reach out to us.  For general information about financial advisors, you can visit the Financial Markets Authority website which provides extensive resources on the New Zealand investment and financial advice industry.  

Disclaimer

The information and advice we provide are aimed at assisting you in your investment decision-making.  While we ensure that all recommendations are in your best interests, please be aware that all investment decisions and actions are your exclusive responsibility.

We endeavour to ensure accuracy and will exercise due care in the provision of advice; however, we cannot accept liability for any inaccuracies or oversights.  We are not responsible for the information provided by, or the actions of other parties. 

All investment decisions carry a degree of risk; we do not guarantee the repayment of your capital or promise any level of return on your investment.

Declaration

The Holistic Money Co. declares that to the best of our knowledge and belief, the information contained in this disclosure statement is true and complete, and complies with the disclosure requirements detailed in the Financial Markets Conduct (Regulated Financial Advice Disclosure) Amendment Regulations 2020.

Contact Details   

Financial Advice Provider: The Holistic Money Co. Limited – FSP1012466

Director and Financial Advisor: Kelly Nalder - FSP1012614

Postal Address: 2 Ngaio Lane, Charteris Bay, RD1 Lyttelton, Christchurch 8971

Email: kelly@holisticmoney.co.nz

Phone / WhatsApp: +64 (0)27 24 99 838

Policy Review

This disclosure statement is updated as required and reviewed annually. This statement was last updated in June 2026.