Neil Earle Henderson (FSP28925), trading as Neil Henderson holds a license issued by the Financial Markets Authority to provide financial advice.
Neil Henderson is a Financial Advice Provider.
Nature and scope of the advice
Neil Henderson provides advice to his clients about their investments, mortgages, life insurance, health insurance and fire & general insurance.
I provide financial advice in relation to KiwiSaver, managed Funds, master trusts, investment and superannuation plans, mortgages, life insurance, health insurance and fire & general insurance.
I only provide financial advice about products from certain providers:
For mortgages, I work with the following banks and lenders
Avanti, General Finance, Liberty, NZCU Baywide, Pepper, Prospa, Resimac, Southern Cross Financial and Sovereign
ANZ, ASB, BNZ, Co-op, Heartland and Westpac
For life insurance, I work with six companies
AIA, AMP, Asteron, Cigna, Fidelity Life and Partners Life
For health insurance, I work with four providers
Accuro, AIA, nib and Partners Life
For fire & general insurance, I work with six companies
AMP, Aon, Blanket, Rothbury, Tower and Vero.
For KiwiSaver and investment products, I work with the following providers
AMP (Assure), ANZ/OneAnswer, Booster, Generate, Milford Asset Management, NZ Funds and Select Wealth Management
Fees or expenses
I do not charge fees, expenses or any other amount for any financial advice provided to my clients.
Conflicts of interest and incentives
I receive commissions from the providers on whose products I give financial advice (insurers, banks, lenders, investment managers and KiwiSaver providers). If you decide to take out insurance or a mortgage, or to take our investment or KiwiSaver advice, the provider will pay a commission to me.
The amount of commission is based on the amount of the premium or mortgage, or the investment or KiwiSaver balance.
From time to time, product providers may also reward me for the overall business I provide to them. They may give me tickets to sports events, hampers, or other incentives. To ensure that I prioritise my clients’ interests above my own, I follow an advice process that ensures my recommendations are made on the basis of each client’s goals and circumstances. I undergo annual training about how to manage conflicts of interest. I maintain registers of conflicts of interests, and the gifts and incentives I receive. I undertake a compliance audit, and a review of my compliance programme is undertaken annually by a reputable compliance adviser or company.
Complaints handling and dispute resolution
Our internal complaints process
If you have a problem, concern or complaint about any part of my advice or service, please tell me so that I can try to fix the problem. I can be reached via email at or by calling: 027 222 6838. You can also write to me at: 4 Mervyn Brown Place, Masterton 5810.
The internal complaints process is:
I will review the complaint and discuss with you how I will resolve this and obtain any additional information if required.
I aim to resolve any complaints in a timely manner and will indicate to you the time this complaint will take to resolve.
I will communicate with you in the method you prefer – phone, email or written.
If I cannot resolve your complaint in a manner which is acceptable then you can contact my free independent dispute resolution service.
Our external complaints process
If we cannot agree on how to fix the issue or if you decide not to use the internal complaints scheme, you can contact my external disputes resolution scheme – Insurance & Financial Services Ombudsman Scheme. This service will cost you nothing and will help us resolve any disagreements.
You can contact the Insurance & Financial Services Ombudsman Scheme by emailing or by calling: 0800 888 202. You can also write to them at: PO Box 10-845, Wellington 6143.
Neil Henderson and anyone who gives financial advice on his behalf, has duties under the Financial Markets Conduct Act 2013 relating to the way that they give advice.
We are required to:
give priority to your interests by taking all reasonable steps to make sure our advice is not
materially influenced by our own interests
exercise care, diligence, and skill in providing you with advice
meet standards of competence, knowledge and skill set by the Code of Professional Conduct for Financial Advice Services (these are designed to make sure that we have the expertise needed to provide you with advice)
meet standards of ethical behaviour, conduct and client care set by the Code of Professional Conduct for Financial Advice Services (these are designed to make sure we treat you as we should and give you suitable advice).
This is only a summary of the duties that we have. More information is available by contacting us, or by visiting the Financial Markets Authority website at https://www.fma.govt.nz.
Neil Earle Henderson (FSP28925), trading as Neil Henderson is a Financial Advice Provider.
You can contact me at:
Phone: 06 370 1904 or 04 499 8828
Mobile: 027 222 6838
Address: Level 1, Public Trust Building, 20 Perry Street, Masterton 5810
Mailing address: 4 Mervyn Brown Place, Masterton 5810