Disclosure Statement - Keri Ball-Guymer

Nature and Scope of Engagement

Private Wealth Advisers provide advice to our clients about their investments. I provide financial advice in relation to managed funds, direct equities, bonds, ETFs, listed property trusts, private equity, private credit, on-call cash and term deposits.

Services I offer

• Short term savings
• Investment solutions
• Financial projections/retirement planning
• Cash management
• Cashflow analysis
• Debt management

How we operate

To ensure that I prioritise clients’ interests above my own, we follow an internationally recognised professional advice process to ensure my recommendations are based on my client’s goals, objectives, and circumstances.

I am required to:

• Give priority to my client’s interests by taking all reasonable steps to make sure my own interests don’t materially influence my advice.
• Exercise care, diligence, and skill in providing you with advice.
• Meet standards of competence, knowledge and skill set by the Code of Professional Conduct forFinancial Advice Services (designed to ensure I have the expertise needed to provide you with advice).
• Meet ethical behaviour, conduct and client care standards set by the Code of ProfessionalConduct for Financial Advice Services (designed to ensure I treat you as I 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 MarketsAuthority website at https://www.fma.govt.nz.

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.

Remuneration (what do our services cost?)

For each client engagement, we agree on a service fee before the commencement of any billable work.

We discuss the level of engagement required, as this will determine the ongoing costs. These can be fixed annualised costs, an agreed percentage of the total portfolio value (this may be in the vicinity of 0.50% –2.00% gross p.a. and agreed prior), and invoicing on a ‘time in attendance ’basis. The cost for preparing a Statement of Advice is determined after an initial conversation and discussed with you before the commencement of any work.

Neither I nor Private Wealth Advisers accept commissions from investment providers. In some circumstances, as agreed with the client,Private Wealth Advisers may charge brokerage on direct equity transactions.Where trades are recommended, there will be a fee for this in the range of 0.00%- 1.00%, and when they are known, they will be disclosed to you.

Conflicts of interest

We take any perceived or real conflicts of interest very seriously. We avoid, disclose and/or manage any conflicts so that our client’s interests are placed first and foremost. Due to the nature of our fee structure, financial conflicts are largely mitigated.

The main conflict of interest arises from referrals from our non-executive director, who will act as both trustee and accountant of the referred client. This individual is also a shareholder of PWA and may benefit in the form of dividend payments and shareholder value.

From time to time, investment managers and other suppliers may provide PWA staff with items of minor value, such as tickets to sporting events, hampers, or other similar gifts.

Complaints handling and dispute resolution.

If you are unsatisfied with my financial advice service, you can make a complaint by emailing me or info@privatewealthadvisers.co.nz orby calling 09 308 2975.

You can also write to us at:

PO Box 179
Shortland Street
Auckland

When we receive a complaint, we will consider it following our internal complaints process:

We will consider your complaint and let you know how we intend to resolve it. We may need to contact you to get further information about your complaint.

We aim to resolve complaints within 10 working days of receiving them. If we can’t, we will contact you within that time to let you know we need more time to consider your complaint.

We will contact you by phone or email to let you know whether we can resolve your complaint and how we propose to do so. If we can’t resolve your complaint, or you aren’t satisfied with the way we propose to do so, you can contact the Insurance & FinancialServices Ombudsman Scheme Inc. Insurance & Financial Services Ombudsman

Scheme Inc. provides a free, independent dispute resolution service that may help investigate or resolve your complaint if we haven’t been able to resolve your complaint to your satisfaction.

You can contact Insurance & Financial ServicesOmbudsman Scheme Inc. by emailing info@ifso.nz orby calling 0800 888 202.

You can also write to them at:

IFSO Scheme
PO Box 10-845

Wellington 6143
New Zealand

Privacy/Data Collection

We must collect personal information about their financial circumstances to give our clients the best advice. In the digital age that we live in, we take our responsibilities under the Privacy Act 2020 very seriously. Some key points:

• We only collect information relevant to the nature and scope of our advice.
• The accuracy of this information to our advice is critical, and this is where we need your help.
• Once collected, we will protect any client information.
• ·You can request any personal information or ask for it to be amended anytime.

We will only share information where it is necessary todo so in providing the agreed services provided. If this is not part of our normal business, we would only consider this with your express consent to do so. However, there are some third parties you may not be aware of that we may need to share your information with, such as:

• Financial Markets Authority (FMA) – theRegulator of financial services in New Zealand
• External compliance agencies we may engage for quality assurance purposes.

We have policies and procedures for dealing with any data breaches ASAP. Any information no longer needed will be destroyed securely.

You can find out more by visiting our Privacy Policy on the link provided: Private Wealth Advisers Privacy Policy