Public Disclosure

All the nitty gritty details you need to know about

This information is provided in accordance with Regulation 229C of the Financial Markets Conduct Regulations to help you understand the services we offer and decide if Eversure Wealth is the right fit for your financial needs.

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1. Licensing Information

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Joshua Huisman, operating as Eversure Wealth, is a Financial Advice Provider (FAP) holding a Full Licence issued by the Financial Markets Authority (FMA) to provide financial advice services.

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• FSP Number: FSP1009201

• Registration: Registered Financial Service Provider in New Zealand.

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2. Nature and Scope of Advice

We provide specialized, independent financial advice in the following areas:

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• Investment Planning: Strategy and portfolio design for New Zealand investors.

• Retirement Planning: Guidance on wealth accumulation and retirement goals.

• Mutual Funds: Selection and advice regarding managed funds.

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Independence: We do not work for, nor are we incentivized by, any banks, insurers, or fund managers. We provide advice based solely on what is best for the client.

Limitations: We do not provide advice on direct equity (individual stocks), mortgages, insurance, or estate planning (wills/trusts).

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3. Fees and Expenses

Eversure Wealth operates on a transparent flat-fee model.

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• Flat Service Fees: The fees listed on our "Book Services" page are all-inclusive for the scope of work described.

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• No Hidden Charges: We do not charge separate consultation fees, implementation fees, or cancellation fees beyond the agreed flat fee.

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• Fixed Costs: All costs are agreed upon before work begins, ensuring no hourly surprises.

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4. Conflicts of Interest and Incentives

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To protect the integrity of our advice and meet our duty to prioritize client interests:

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• No Commissions: We do not receive commissions, "kickbacks," or referral fees from any fund managers or third-party providers.

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• No Non-Monetary Benefits: We do not accept sales incentives, gifts, or hospitality from product providers.

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• Removal of Bias: Because our only source of income is the flat fee paid by you, our advice is never influenced by which financial products you choose to use.

5. Complaints and Dispute Resolution

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If you are unhappy with our service, please contact me directly at josh@eversurewealth.com.

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• We will acknowledge your complaint within 2 working days.

• We aim to resolve all issues internally within 20 working days.

External Resolution: If we cannot resolve your complaint internally, you can contact our independent dispute resolution scheme. This service is free of charge to you:

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• Scheme: Fair Way Financial Dispute Resolution Service (FDRS)

• Website: www.fdrs.org.nz

• Contact: 0508 337 337 | enquiries@fdrs.org.nz

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6. Our Duties and Qualifications

Under the Financial Markets Conduct Act 2013, we are legally bound to:

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• Give priority to your interests above our own.

• Exercise care, diligence, and skill in all advice provided.

• Meet standards of ethical behavior, conduct, and client care.

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Competence & Expertise: To ensure the highest standards of knowledge and skill, I hold the following qualifications:

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• NZ Certificate in Financial Services: Investments (Level 5).

• Bachelor of Commerce and Management.

• PhD Candidate in Economics (University of Queensland; Submitted March 2026, oral exam scheduled for June 2026).