Financial Advice Service – Disclosure

Licence status and conditions

Rod Schubert Financial Advice Limited (FSP709511), trading as Real Savvy Financial Advice (or RSFA), is licensed by the Financial Markets Authority to provide financial advice.

Contact Information

Company Name: Rod Schubert Financial Advice Limited T/A Real Savvy Financial Advice (or RSFA)
Postal address: The Hatch. Unit 17, 32-34 Turiwhatu Street, Papamoa Beach, Papamoa 3118
Telephone: +64 9 (0)950 8800
Email: rod@rsfa.co.nz

Nature and scope of the financial advice given

We provide practical, personalised, and easy-to-understand financial advice. We do this by getting to know you and understanding your goals and objectives. We then work with you to implement that advice and provide continued and ongoing support. We are in the relationship game and aim to be a part of your financial journey now and well into the future.

Rod Schubert Financial Advice Limited provides advice to our clients in these areas:

Life & Health Insurance, including Business Insurance
Mortgages (Home Loans)
KiwiSaver Investment

We provide financial advice about products from an extensive range of providers:

Life and Disability Insurance & Business Insurance: Asteron Life, Partners Life, AIA, Chubb Life and Fidelity Life
Health (Medical) Insurance: Partners Life, NIB, Southern Cross, AIA and Accuro
Home Loans: ASB, ANZ, Westpac, BNZ, SBS, Funding Partners, Avanti Finance, DBR, CMFL Loans, China Construction Bank, Gold Band Finance, Prospa, Southern Cross Partners, Zagga, ASAP Finance, Unity, Cressida Capital, Co-Operative Bank, AIA Go Home Loans, Heartland Bank, Liberty, Pepper Money, FMT, General Finance, Basecorp

Financial advice will consider the information you provide us about your individual and specific needs, financial situation, and goals.

Fees or Expenses

Most of our financial advice is provided at no cost, as the product provider covers our fees.

RSFA may charge a fee for obtaining finance for property development purposes, bridging finance, providing complex lending advice and related consultancy work, or getting a loan through a non-bank specialist lender. The actual fee charged to you will depend on the nature and scope of the advice or service we provide.

We will discuss and agree on the actual fees with you before we proceed and explain how they are payable. Fees for our advice and services may be based on a combination of a set dollar amount or a percentage-based fee. The fee will be payable upon settlement of your loan.

Other amounts payable

In most cases, RSFA does not charge any fee, expense or other amount for the financial advice provided to you or for implementing that advice. The product providers pay our remuneration through commission.

RSFA may charge a fee for the financial advice provided to a client if they cancel a life or health insurance policy within 24 months of inception or repay their home loan within 28 months of settlement. Whether a fee will be charged and how it will be charged will be advised when the advice is provided to the client. This fee is payable by the client within 7 days of invoice issuance.

We will send our nature and scope of advice upon formal engagement with you.

Conflicts of interest and commissions or other incentives

For home loans and insurance, RSFA and the financial adviser receive commissions from the lender or insurance company whose products we advise. If you decide to take out insurance or take out a home loan, the insurer or lender will pay a commission to RSFA and your financial adviser. The commission is based on the premium or home loan amount.

To ensure that our financial advisers prioritise the client’s interest above their own, we follow an advice process that ensures our recommendations are based on the client’s goals and circumstances. All our financial advisers undergo annual training on managing conflicts of interest. We undertake a compliance audit and yearly review of our compliance programme by a reputable compliance consultancy firm.

Our duties

RSFA, and anyone who gives financial advice on our behalf, have duties under the Financial Markets Conduct Act 2013 relating to how we provide advice. We are required to:

Give priority to your interests by taking all reasonable steps to make sure our interests don’t materially influence our 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 for Financial Advice Services (these are designed to make sure that we have the expertise needed to provide you with advice)
Meet ethical behaviour, conduct and client care standards set by the Code of Professional Conduct for Financial Advice Services (designed to ensure we treat you as we should and provide suitable advice).
This is only a summary of our duties. For more information, contact us or visit the Financial Markets Authority website at https://www.fma.govt.nz.

The Code of Conduct standards can be read here: https://www.fma.govt.nz/assets/assets/code-of-professional-conduct-for-financial-advice-services.pdf.

Internal complaints process

If you have a problem, concern, or complaint about any part of the financial advice you have received from us, you may contact us using any of the following means:

In writing:
Complaints Officer C/- Rod Schubert
Rod Schubert Financial Advice Limited
The Hatch. Unit 17, 32-34 Turiwhatu Street, Papamoa Beach, Papamoa
By Telephone:
09 950 8800 or 022 573 3326
By Email:
rod@rsfa.co.nz

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

We will consider your complaint and notify you of our intended resolution. 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 aren’t satisfied with our proposed resolution, you can contact Financial Dispute Resolution Service (FDRS) as our external dispute resolution scheme.

Dispute resolution process

If our internal complaints process does not resolve your complaint to your satisfaction, you can contact our external independent dispute resolution scheme. This service is free and may assist in investigating or resolving the complaint.

We are a member of Financial Services Complaints Limited’s approved dispute resolution scheme. You can contact Financial Dispute Resolution Service at:

Company Name: Financial Dispute Resolution Service (FDRS)
Address: Level 4, 142 Lambton Quay, Wellington 6011
Postal Address: Freepost 231075, P O Box 2272, Wellington 6140
Telephone: 0800 337 337 (free telephone if within New Zealand), +64 4 910 9952 (if overseas)
Email Address: enquiries@fdrs.org.nz
Website: https://www.fdrs.org.nz

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      EXCELLENT  
   Based on 135 reviews 
    
 
 
 
   
 
 
       Posted on Google  
   
   Deane Trethewey 
 
 
 
 Trustindex verifies that the original source of the review is Google. Rod and Jet great to deal with - that’s why we always come back
  
 
      Posted on Google  
   
   Liam Watson 
 
 
 
 Trustindex verifies that the original source of the review is Google. Great team, really helpful. I was able to get an insurance policy better suited to my needs and at a much better price than my previous policy. Would highly recommend.
  
 
      Posted on Google  
   
   Katrina Knapp 
 
 
 
 Trustindex verifies that the original source of the review is Google. We’ve had a great experience working with Rod. He helped us with a mortgage re-fix as well as two new builds, and each time he secured us strong deals and clearly explained multiple options from different banks. He’s knowledgeable, helpful, and takes the time to make sure you actually understand what you’re signing (which is underrated in this process). We wouldn’t hesitate to recommend him to anyone looking for a reliable mortgage broker.
  
 
      Posted on Google  
   
   louise anderson 
 
 
 
 Trustindex verifies that the original source of the review is Google. I recently worked with RSFA to set up my health insurance and move my KiwiSaver under their management, and the whole experience was excellent. Kathleen made the health insurance process incredibly easy, and Jet was great to deal with on the KiwiSaver side. Both were friendly, clear, and genuinely helpful. I’m really happy with the service and would definitely recommend RSFA to anyone looking for solid advice and support.
  
 
      Posted on Google  
   
   Tom Mackay 
 
 
 
 Trustindex verifies that the original source of the review is Google. I have worked with Rod and Kathleen at RSFA for a couple of years now. They did a great job of understanding my personal and business insurance requirements, and were able to provide me a solution that was more targeted and comprehensive than my existing policies. Not only that, it cost me less than I was already paying. More recently, Jet at RSFA has become my kiwisaver adviser. She is extremely proficient and a pleasure to work with. I have recommended RSFA to others and will continue to do so!
  
 
      Posted on Google  
   
   Molly Stokes 
 
 
 
 Trustindex verifies that the original source of the review is Google. Rod and Jet have been outstanding to work with. It’s clear the RSFA team genuinely prioritise their clients and consistently offer top quality advice. They made the whole process seamless and stress free for my husband and I, with excellent communication throughout. I would absolutely recommend RSFA any day. Thank you Rod and Jet!!
  
 
      Posted on Google  
   
   Laura Gladstone 
 
 
 
 Trustindex verifies that the original source of the review is Google. We had such a great experience with both Rod & Jet. We moved banks and our KiwiSaver. Great advice, they were always happy to answer our questions. Fast turn around time from start to finish! Thank you both! Highly recommend.
  
 
      Posted on Google  
   
   Lyss Abbott 
 
 
 
 Trustindex verifies that the original source of the review is Google. Rod and Jet went out of their way to get me the best possible terms they could. And they blew my bank out of the water in every way. My bank was asking a million questions about my spending, going as far as wanting me to cancel my gym membership! Real Savvy assured me they weren't interesting in nitpicking my financial choices. They treated me like an adult who has autonomy over her own finances, whereas the bank acted like I was a child who didn't know how to run my own life. Not only did I appreciate being treated with respect and dignity, they also got the loan without heaps of conditions that the bank wanted to impose. And they were so easy to work with and so accommodating of my schedule as a shift worker. They also helped me switch to a more suitable Kiwisaver scheme for my stage of life and really listened to what I care about to ensure my investment was aligned with my values. I couldn't recommend them more! They made everything so effortless on my part, while getting the best possible lending outcome.
  
 
      Posted on Google  
   
   Adele Nairn 
 
 
 
 Trustindex verifies that the original source of the review is Google. I cannot rate Rod Schubert and the team at Real Savvy Financial Advice highly enough. If you are looking top notch brokers (financial & insurance services) who are willing to think and work with you on the outcomes you are seeking then look no further! Rod helped us with some complex re-financing recently against some very tight timelines, always remaining cool under pressure and retaining his sense of humour throughout. On the insurance needs front, Jet Douglas, also of RSFA, walked on water to get us the best insurance cover tailored to our specific requirements. Neither of these requests were easy nor straightforward, however, both Rod & Jet never lost sight of our end goals and acted with exceptional professionalism throughout. We could not be happier with the outcomes and strongly recommend to anyone serious about reviewing where you are financially, including reviewing your insurance risk profiles, or simply looking for tailored mortgage advice - go talk to these two first.
  
 
      Posted on Google  
   
   Belinda S. 
 
 
 
 Trustindex verifies that the original source of the review is Google. I highly recommend Rod Schubert and his team at RSFA.  Both Rod and Jet have been phenomenal to work with. Before coming to them, I had no idea how mortgages really worked—despite having one. Rod and Jet made it easy to understand. Their patience and professionalism gave me complete confidence throughout the process. What really stood out was how far they went above and beyond to achieve the best outcome. They took the stress out of what can be an overwhelming process, kept me informed at every step, and genuinely had my best interests at heart. If you’re looking for a mortgage lending advisor who combines deep expertise with clear communication, trustworthiness, and outstanding personal service, Rod, Jet and their team are the ones to go to.

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