Disclosure Guide

Here is some key information you need to know to help you understand what type of advice I am able to give you, so that you can make an informed and confident choice when engaging me.

Details about me and my Financial Advice Provider

Full Name: Min Tao
Address: 80B Forrest Hill Road, Forrest Hill, Auckland, 0620, New Zealand
Phone: 021 128 0727
Email: amy.tao@cornerstonefs.co.nz
FSPR Number: 629629

Financial Advice Provider: Cornerstone Insurance Limited
Trading as: Cornerstone Insurance Limited
FSPR Number: 1004360
Address: 80B Forrest Hill Road, Forrest Hill, Auckland, 0620, New Zealand
Phone: 0211280727
Email: amy.tao@cornerstonefs.co.nz

My Financial Advice Provider is a member of NZ Financial Services Group Limited.

Licensing Information

My Financial Advice Provider is authorised to provide a financial advice service under a current financial advice provider licence issued by the Financial Markets Authority in the name of: NZ Financial Services Group Limited
FSPR Number: 286965

Nature and Scope of Advice

I will analyse your insurance needs and help you apply for and choose cover that is suitable for your purpose.
I may also be able to help you maintain your insurance policy, for example if there are changes in your circumstances requiring changes to the cover.

Insurers I use

• AIA
• Asteron Life
• NIB
• Partners Life
• Chubb Life

Products I can advise on

• Life
• Income Protection
• Health
• Trauma
• Permanent Disablement
• Mortgage Protection/Repayment
• Redundancy Cover
• Waiver of Premium/Premium Cover

Other referral services

• Tower F&G
• Initio F&G
• XE Money
• FastConnect

(I am unable to offer legal or tax advice and recommend you consult your solicitor or accountant.)

Fees and Expenses

Generally you won’t be charged any fees for the financial advice I provide to you. This is possible because insurers usually pay commission.

One-off Fees

I may charge you a one-off fee if:

• I do not receive a commission from the insurer.
• You request advice on a product outside my usual panel.

Commissions & Incentives

• Commissions are typically upfront and/or ongoing, based on premiums.
• Referral fees may also apply.
• Occasionally I may receive non-monetary incentives (e.g., gifts, tickets).

Privacy Policy & Security

• Personal information is collected under my Privacy Policy.
• Data may be shared with NZ Financial Services Group Limited for audits.
• Stored securely on Amazon Web Services.

Complaints Process

If you have a complaint:

1. Contact me via phone or email (Subject: Complaint - Your Name).
2. I will acknowledge within 24 hours and record it.
3. Aim to resolve within 7 working days.
4. If unresolved, you can refer to:

Insurance and Financial Services Ombudsman Email: info@ifso.nz Phone: 0800 888 202 Website PO Box 10-845, Wellington 6143

My Duties

Under the Financial Markets Conduct Act 2013, I must:

• Meet standards of competence, knowledge, and skill.
• Prioritise client interests.
• Exercise care, diligence, and skill.
• Meet ethical behaviour and client care standards.

Availability of Information

This information can also be provided in hardcopy upon request.