Disclosure Statement
| Name: | Malcolm Howarth | |
| Address: | 159 Whangaparaoa Road Red Beach AUCKLAND 0932 |
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| Trading Name: | Lifeguard Brokers Ltd DHA Brokers Ltd |
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| Telephone Number: | (09) 426 8789 | |
| Fax Number: | (09) 426 4542 | |
| Email address: | malcolm@lifeguardbrokers.co.nz dhabrokersltd@lifeguardbrokers.co.nz |
This disclosure statement was prepared on: 10th March 2011
It is important that you read this document:
This information will help you choose a financial adviser that best suits your needs. It will also provide some useful information about the financial adviser that you choose.
What sort of adviser am I?
I am a registered, but not authorised, financial adviser.
I can give you advice about Property and Casualty Insurance and Life, Trauma, Total and Permanent disability and Income Replacement Assurance as well as Domestic, Industrial and Commercial – Fire and General contracts.
What should you do if something goes wrong?
If you have a problem, concern, or complaint about any part of my service, please tell me so that I can try to fix the problem.
If we cannot agree on how to fix the issue, you can contact the Insurance & Savings Ombudsman. This service will cost you nothing, and will help us resolve any disagreements
You can contact the Ombudsman at:
P O Box 10845
WELLINGTON 6143
How am I regulated by the Government?
You can check that I am a registered financial adviser at http://www.fspr.govt.nz
The Securities Commission regulates financial advisers. Contact the Securities Commission for more information, including financial tips and warnings.
You can report information or complain about my conduct to the Securities Commission, but in the event of a disagreement, you may choose to first use the dispute resolution procedures described above (under What should you do if something goes wrong?).
Declaration
I, Malcolm Howarth, declare that, to the best of my knowledge and belief, the information contained in this disclosure statement is true and complete and complies with the disclosure requirements in the Financial Advisers Act 2008 and the Financial Advisers (Disclosure) Regulations 2010.
Signed:
M.E. Howarth
