Important information about our financial advice services

1. Who We Are

Cass Advice Limited is a licensed Financial Advice Provider regulated by the Financial Markets Authority (FMA).

Contact: info@askcassie.co.nz | 021 2488882 | 1 Clark Street, Khandallah, Wellington 6035

FSP Number: FSP1011194 | Company Number: 9429053215376

Your Adviser: Rhiannon McKinnon (FSP1012222)

Qualifications: CFA Charterholder, NZ Certificate in Financial Services Level 5 (Investment)

2. What We Do (And Don't Do)

We provide regulated financial advice on:

• Investment planning (KiwiSaver, managed funds, managed investments)
• Retirement savings accumulation and drawdown strategies
• Cashflow and goal-based savings planning

We do NOT advise on:

• Insurance products (life, income protection, health, trauma, mortgage protection)
• Debt management or debt remediation
• Individual listed securities or share trading
• Tax or legal matters
• Property investment

3. Our Fees

We charge fees for service only. We receive no commissions, referral payments, or incentives from product providers.

Your exact fees will be agreed in writing before we begin. Fees depend on the complexity of your situation and the advice provided.

You may also incur fees from product providers (fund managers, platforms) when you act on our advice. These are not paid to us.

4. Our Duties to You

We must:

• Put your interests first when providing advice
• Provide suitable advice based on your circumstances and objectives
• Exercise care, diligence, and skill in our recommendations
• Ensure you understand the advice and its limitations
• Meet standards of competence and ethical behaviour under the Code of Professional Conduct for Financial Advice Services

5. Conflicts of Interest

Our fee-only model eliminates most conflicts. However, we may face conflicts from:

• Business financial pressures
• Personal investments
• Close relationships

If a material conflict arises, we will either avoid it (by referring you elsewhere) or fully disclose it and explain how we're managing it.

6. Making a Complaint

Contact us first: info@askcassie.co.nz

We'll acknowledge your complaint within 1 business day and respond within 10 working days.

Still not satisfied? Contact our independent dispute resolution scheme (free for you):

Financial Dispute Resolution Service (FDRS)
0508 337 337 | enquiries@fdrs.org.nz | www.fdrs.org.nz

7. Your Privacy

We collect your personal and financial information only to provide suitable advice and meet legal obligations. Your information is:

• Stored securely in Australia or New Zealand only
• Encrypted and protected
• Never sold or used for third-party marketing
• Kept for 7 years as required by law

You can access or request correction of your information at any time.

8. Important Information

No disciplinary history: Neither Cass Advice Limited nor Rhiannon McKinnon have any relevant disciplinary history, regulatory actions, or criminal convictions to disclose.

Regulator: Financial Markets Authority (FMA) | www.fma.govt.nz | 0800 434 566

This disclosure complies with the Financial Markets Conduct Act 2013 and the Financial Markets Conduct (Regulated Financial Advice Disclosure) Amendment Regulations 2020.