Disclosure Statement

About Bespoke Wealth

Bespoke Wealth Limited is an independently owned financial advice provider. We have no institutional parent, are not owned by a product manufacturer, and do not receive commissions from any product provider. Client assets are held by an independent custodian, BNP Paribas, entirely separate from our business.

Licence Information

Bespoke Wealth Limited (FSP1011643) holds a Financial Advice Provider (FAP) licence issued by the Financial Markets Authority (FMA) to provide financial advice services. There are no conditions on our licence that restrict the advice we are able to provide.

Contact Details

Nature and Scope of Our Financial Advice

We provide personalised financial advice to individuals, families, trusts and entities with investable assets. We specialise in building and managing globally diversified investment portfolios tailored to each client's goals, risk profile and circumstances. We provide advice in relation to:

• Investment advice — advice on specific holdings
• Managed portfolio advice — portfolio construction, asset allocation, manager selection and ongoing portfolio management
• KiwiSaver advice — fund selection, provider comparisons and contribution strategy
• Fund advice — managed funds, PIE funds and exchange-traded funds (ETFs)

We do not provide advice on life insurance, health insurance, mortgages or general insurance. If you need advice in these areas, we can refer you to an appropriate specialist.

We also work with investors applying for, or holding, New Zealand's Active Investor Plus (AIP) visa, structuring portfolios to meet the programme's eligible investment requirements in conjunction with the client's immigration and legal advisers.

Conduct and Duties

Bespoke Wealth Limited, and anyone who gives financial advice on our behalf, has duties under the Financial Markets Conduct Act 2013 and the Code of Professional Conduct for Financial Advice Services. We are required to:

• give priority to your interests by taking all reasonable steps to make sure our advice is not materially influenced by our own interests;
• exercise care, diligence and skill in providing you with advice;
• meet standards of competence, knowledge and skill set by the Code; and
• meet standards of ethical behaviour, conduct and client care set by the Code.

This is a summary of our duties. More information is available by contacting us or visiting the FMA website at fma.govt.nz.

Fees and Expenses

We are remunerated by fees paid by our clients. We do not receive commissions from any product provider, fund manager or platform.

Advisory fee

We charge an annual advisory fee calculated as a percentage of the assets we manage for you, plus GST. The fee is agreed with you in writing before we provide services, and is set out in your Statement of Advice or Investment Policy Statement.

Transaction costs

A transaction cost, plus GST, may apply to securities transactions to cover costs we incur. Any such cost is agreed with you in writing and set out in your Statement of Advice or Investment Policy Statement. There is no separate trading cost from us for managed fund transactions.

Third-party costs

Underlying fund manager, platform and custody fees may apply. These are paid to those providers, not to Bespoke Wealth, and are disclosed to you before you proceed.

Rebates

Where we negotiate rebates with fund managers, they are passed through to you in full. We do not retain rebates as firm revenue.

We will tell you the specific fees and costs that apply to you, in writing, before we provide advice.

Conflicts of Interest and Incentives

Our business model is designed to minimise conflicts of interest. We charge a fee that does not vary with the products we recommend, we receive no commissions, and any fund manager rebates are passed to you.

Bespoke Wealth engages Aurellan Asset Management as an external investment office for asset allocation support and research. Aurellan provides these services at no direct cost, and in acknowledgement of this we may, where suitable, consider Aurellan products for client portfolios. Where we do, this will be disclosed in your Statement of Advice.

We maintain a conflicts of interest register, review it regularly, and will disclose any relevant conflict to you before providing advice. We manage conflicts by ensuring every recommendation is based on your goals and circumstances and is subject to our advice process.

Complaints Handling and Dispute Resolution

If you are not satisfied with our financial advice service, please contact us so we can work to resolve your concern.

Our internal complaints process

When we receive a complaint we will acknowledge it promptly, consider it carefully and contact you if we need more information. We aim to resolve complaints within 10 working days; if we need longer, we will let you know within that period. We will contact you by phone or email with our proposed resolution.

External dispute resolution

If we cannot resolve your complaint to your satisfaction, you can refer it to the Insurance & Financial Services Ombudsman Scheme (IFSO Scheme), our independent approved dispute resolution scheme. The service is free to you.

Privacy

We collect personal and financial information relevant to the advice we provide and handle it in accordance with the Privacy Act 2020. We store it securely and share it only where needed to deliver our services (for example with our custodian, fund managers or other parties required to implement your portfolio), or where required by our regulator or external compliance advisers. You may request access to, or correction of, your information at any time. Our full Privacy Policy is available at bespokewealth.nz/Privacy.