Legal

Disclosure, Privacy, Terms & Complaints

The important fine print, in one place. If anything here is unclear, ask us — we would rather explain it than have you guess.

Disclosure

Important information about the Lifelong Wealth service · Last reviewed October 2026

Licence information

Lifelong Wealth Limited (FSP 1003662) holds a licence issued by the Financial Markets Authority to provide a financial advice service.

Nature and scope of our financial advice service

Lifelong Wealth provides you with financial advice in relation to KiwiSaver accounts. We only provide advice on KiwiSaver schemes that we have advice arrangements for. We have arrangements with providers of the following KiwiSaver schemes:

Booster KiwiSaver Scheme
Pathfinder KiwiSaver Plan
Generate KiwiSaver Scheme
Milford KiwiSaver Plan

This list may change from time to time. It is possible that a KiwiSaver scheme that we do not advise on would also suit your needs, or might better suit your needs. We do not give advice on other investment or financial products from any other provider.

Fees

Lifelong Wealth does not charge you a fee to use the service, except where you choose to invest in the Milford KiwiSaver Plan. If you invest in the Milford KiwiSaver Plan, you will be charged an advice fee from Lifelong Wealth of 0.20% per annum. This fee will be deducted from your KiwiSaver balance at the end of each month.

Lifelong Wealth has negotiated for all members in Milford's KiwiSaver Plan (receiving advice and service from Lifelong Wealth) to receive a rebate of 0.20%* per annum. Milford pays this rebate to your KiwiSaver account at the end of each month. This means the effective cost of using Lifelong Wealth with Milford's KiwiSaver Plan is ZERO per annum.

All other providers pay an advice fee directly to Lifelong Wealth of 0.25% per annum. Effectively you will not be charged for advice from a Lifelong Wealth financial adviser. You will also pay management and other fees and expenses out of your KiwiSaver investment. These are explained in the Product Disclosure Statement for your recommended KiwiSaver scheme.

Before launch: this page must be confirmed by the responsible person — including the four services’ legal entities, licence scope, fees, risks, required documents and all variable figures. Where a group relationship with another brand must be disclosed for legal or compliance reasons, the confirmed wording will be added here.

Privacy

How we handle your personal information · Last reviewed October 2026

What we collect

When you contact us or become a client, we may collect your name, contact details (email, phone, address), date of birth, IRD number, KiwiSaver details and information about your financial situation and goals. We collect only what we need to provide advice and meet our regulatory obligations.

Why we collect it

To respond to your enquiries and provide financial advice.
To complete enrolment, transfer or withdrawal applications on your behalf.
To meet our legal and regulatory obligations, including identity verification and record keeping.

Who we share it with

We share your information only where necessary: with KiwiSaver providers when you instruct us to act for you, with Inland Revenue where required, and with our dispute resolution scheme if you make a complaint. We do not sell your personal information.

Before launch: this notice is a working draft structured around the Privacy Act 2020. It must be reviewed and confirmed by the responsible person before publication.

Terms

General information only

The content on this website is general information about Lifelong Wealth and our services. It is not personal financial advice and does not take into account your objectives, financial situation or needs. Before making any financial decision, you should consider whether the information is appropriate for you and speak with us.

No warranty

We take care to keep the information on this website accurate and up to date, but we do not warrant that it is complete, current or error-free. Rates, availability, eligibility rules and fees change — figures are confirmed with you before you act.

Before launch: confirm whether a separate Terms of Engagement document should also be published here.

Complaints

How to raise a concern and what happens next · Last reviewed October 2026

Step 1 — Talk to us first

Lifelong Wealth takes all complaints seriously. If you have a complaint about Lifelong Wealth or the financial advice you receive, you can make a complaint by contacting us at info@lifelongwealth.co.nz.

When we receive a complaint we will confirm receipt, then consider how we can resolve it and let you know. We aim to resolve complaints within 10 working days of receiving them.

Step 2 — Independent dispute resolution

If a resolution to your complaint cannot be reached or you are unhappy with the outcome, you can contact Lifelong Wealth's independent dispute resolution scheme, free of charge:

Insurance and Financial Services Ombudsman
Level 2, Solnet House, 70 The Terrace
PO Box 10-845, Wellington 6143
Phone: 0800 888 202 · Email: info@ifso.nz

The scheme is free and independent of Lifelong Wealth. You can contact them at any time — you do not need to complete our process first.