Disclosure Statement

Financial Advice Provider

Our Business details:

Living Solutions (2009) Limited is a Licensed Financial Advice Provider issued by the FMA to provide financial advice services. Financial Services Provider Number: 704912.

Our office contact details:

Mail: PO Box 6285, Victoria Street West, Auckland, 1142

Phone: 09 528 9713

Email: info@livingsolutions.co.nz

Website: www.livingsolutions.co.nz

Your Financial Adviser – Collen Holder

Phone: 09 528 9713

Mobile: 027 492 0926

Email: collen@livingsolutions.co.nz

I am your Financial Adviser (FSP19641) and is providing the advice on behalf of Living Solutions Ltd who is the Financial Advice Provider Licence Holder.


NZ Certificate in Financial Services                                                                        Australia Life Insurance Personal Advise RG146                                                              Honours Bachelor of Arts


I have been providing financial advice on a wide range of products and services for my clients since 1996.

Professional memberships:

Financial Advice New Zealand

Duties information:

  1. I am bound by the duties of the Financial Markets Conduct Act to:
  2. Meet the standards of competence, knowledge and skill set out in the Code of Conduct.
  3. Give priority to my client’s 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.

Nature and Scope of financial advice services

Our Services:

  • Personal Insurance
  • Group Insurance

Products we can advise on:

  • Life Cover
  • Total Disability Cover
  • Trauma Cover
  • Income Cover
  • Mortgage Cover
  • Medical Cover

Product providers we may recommend:

  • AIA • Asteron • Cigna • Fidelity • NIB • Partners


We do not charge any fees for our service, but we are paid commissions by the Product Provider for placing business with them as follows:

Initial and ongoing commission – a percentage of the insurance premiums depending on the type and term of insurance cover.

Conflicts of interest:

We are here for our clients and to advise you as best we can. Your interests are our priority although we do have business relationships with product providers also. We receive remuneration from some product providers in the way of commissions.

We manage these conflicts of interest by ensuring that we prioritise your interests above our own. The advice we provide is based on understanding your goals and circumstances and providing recommendations which are based on research. I have a Register of Conflict which allows me to actively manage any conflicts which arise.

Our Internal complaints process:

If you have a problem, any concern or complaint about any part of our advice or service, please tell us so that we can try to fix the problem. You can contact Collen Holder directly on collen@livingsolutions.co.nz or on 027 492 0926 with any concern.

Our external complaints process:

If we cannot agree on how to fix the issue, or if you decide not to use the internal complaints process, you can contact our external disputes resolution scheme – The IFSO Scheme. This service free of charge to you and will help us resolve any disagreements.

You can contact The IFSO Scheme at:

Email:                    info@ifso.nz    Website:                 www.ifso.nz

Freephone:        0800 888 202   Fax:                         04 499 7614

Address:              PO Box 10845, Wellington, 6143