Public Disclosure Statement

Our Mission

Outrigger Financial is committed to breaking financial barriers through accessible, tailored insurance and KiwiSaver solutions. By fostering trust, educating communities, and offering responsive support, we help individuals take control of their financial well-being.

Nature and Scope of Financial Advice Services

Our Services

1. KiwiSaver investment strategies

2. Personal Risk and Health insurance

Products we can provide financial advice about

1. KiwiSaver Investment

2. Personal and Group Insurance

3. Life Cover

4. Disability

5. Income Protection

6. Trauma

7. Private Health Insurance

Product providers we work with

• AIA Life and Health

• Asteron Life

• Chubb Life

• Fidelity Life

• NIB Life and Health

Commissions

Initial Commission

• A percentage of the value of your investment contributions, or insurance premiums are paid to Outrigger Financial Services once the recommendation has been put in place.

Ongoing Commission

• A percentage of the value of your investment balance or premiums, usually calculated at the end of each month in which you hold the investment, or on renewal of insurance products.

How We Are Paid

We don’t charge our clients fees for our advice; we believe that financial advice should be free for everyone. How we are able to do this is we are paid commission from the provider for any part of a recommendation acted on. We will disclose to you how much commission we will receive before you put in place any recommendations.

Conflicts of interest or other incentives

Outrigger Financial Services has specifically chosen the trusted providers as partners to provider all manner of solutions to our clients. There are both insurers and kiwisaver providers whom we don’t work with, so our recommendations will only possibly be from the providers that we work with.

How We ManageAny Conflicts of Interest

To ensure our advisers prioritise our clients’ interests:

• We follow an advice process that ensures our recommendations are made appropriately, based on clients’ goals and circumstances.

• We maintain registers of conflicts of interest and the gifts and incentives we receive. These registers are monitored regularly, and additional training is provided as required.

• We undertake an annual independent Compliance Assurance Review.

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 our external disputes resolution scheme: FDRS. This service will cost you nothing and will help us resolve any complaints.

Our Duties and Obligations To You

We are bound by the duties of the Financial Markets Conduct Act (431I, 431K, 431L and 431M) to:

• Meet the standards of competence, knowledge, and skill set out in the Code of Conduct

• Give priority to the clients’ interest, and

• Exercise care, diligence and skill, and

• Meet the standards of ethical behaviour, conduct, and client care set out in the Code of Conduct.

• Provide education for our clients on any financial products that we are recommending.

Our Internal Complaints Process

If you have a problem, concern, or complaint about any part of our advice or service, please tell us so that we can try to fix the problem.

Our internal complaints manager is Akili Namuaira who can be reached via email at compliance@outriggerfinancial.co.nz or 021834104. Akili Namuaira will reply to you within 48 hours.

Our internal complaints handling process is as follows:

1. Recognition, acceptance and recording of a complaint

2. Acknowledgement to our customer and explanation of our process

3. Investigation of a complaint

4. Response to our customer

5. Fees and Privacy

6. If we cannot resolve your complaint

You can contact FDRS at:

Address: Level 4, 142 Lambton Quay, Wellington 6011

Phone number: 0800 337 337

Email address: enquiries@fdrs.org.nz.