Disclosure Statement

Who provides the advice

Legal entity: MARISON FINANCIAL GURU LIMITED
Trading name: Financial Guru
FSP number: FSP1012567
Licence status: Financial Advice Provider Full Licence
Licence issuer: Financial Markets Authority

MARISON FINANCIAL GURU LIMITED holds a Financial Advice Provider Full Licence issued by the Financial Markets Authority. This is a Class 2 Financial Advice Provider licence. Financial advice is currently provided by Yuan Gao (also known as Anson Gao), FSP1012813, who has been recorded on the FSPR as engaged by MARISON FINANCIAL GURU LIMITED from 15 July 2026.

Nature and scope of advice

We provide financial advice on lending and credit-related solutions, including residential home loans, refinancing, refixing, top-ups, investment property lending, construction and new-build finance, development finance, bridging and non-bank lending, commercial property lending, asset finance, business loans and consumer loans.

The exact scope of advice we provide to you will depend on your needs, circumstances, eligibility, lender criteria, product availability and the advice engagement agreed with you. Personalised advice is only provided after the appropriate disclosure, scope, fact-find, authority and advice process has been completed.

Development, commercial, bridging, finance-company and non-bank enquiries may be accepted for controlled analysis and draft preparation. Release of personalised advice is subject to the required internal review, and any lender or provider submission is dependent on verified provider-specific access or accreditation for that case.

We do not provide tax, legal, accounting, investment, insurance, or property valuation advice unless specifically stated in a separate written engagement. You should seek independent professional advice where needed.

Lenders and product providers

We may research lending options from banks, non-bank lenders and funding providers. Research or discussion of a provider does not mean that we hold current submission access or accreditation with that provider.

We do not advise on every lender or credit provider in the market. Before any provider submission, we verify the current access, authority or accreditation route for that provider and case. The providers considered will depend on verified access, product availability, lender criteria, your objectives and the information you provide. We will explain the providers actually considered and any material limitations when the nature and scope of advice is confirmed.

Fees, expenses and commissions

We may be paid by the lender or product provider if your lending is approved and settles. This may include upfront commission and, in some cases, ongoing commission.

Before you are asked to act on personalised advice, we will disclose the remuneration relevant to the providers considered, including the amount, estimate, range or calculation method where required, together with any potential clawback or related client-fee consequence.

In some situations, we may charge a client fee. This may apply where the work is complex, urgent, non-standard, commercial, development-related, short-term, non-bank, consumer-credit related, or where significant work is required and lender remuneration is not available or is not sufficient for the work involved.

If a client fee applies, we will explain the fee, when it is payable and what it covers in writing before we start the relevant work. We will only proceed once you have agreed to it.

Conflicts of interest

We may receive commissions or other payments from lenders or product providers. This could create a potential conflict because we may be paid if you proceed with a particular lender or product provider.

To manage this, we follow an advice process based on your goals, circumstances and information provided; explain why a recommended option is suitable; disclose relevant remuneration where required; maintain appropriate records; and prioritise your interests when providing financial advice.

Our comparison may be limited to providers for which a verified access or accreditation route is available. We will disclose that limitation and will not treat a higher commission as a reason to prefer a provider over a suitable client outcome.

Complaints process

If you have a concern or complaint about our financial advice service, please contact us first by email at info@financialguru.co.nz. We will acknowledge your complaint and aim to respond within 5 working days.

If we cannot resolve your complaint, or you are not satisfied with our response, you may contact Financial Services Complaints Limited (FSCL), our external dispute resolution scheme. FSCL is independent and free for clients to use.

FSCL contact details: phone 0800 347 257, email complaints@fscl.org.nz, post PO Box 5967, Wellington 6140, website www.fscl.org.nz. MARISON FINANCIAL GURU LIMITED's FSPR record shows FSCL membership number 9687.

Duties information

When providing financial advice, financial advisers must meet legal duties including giving priority to the client's interests, exercising care, diligence and skill, meeting competence, knowledge and skill standards, and complying with standards of ethical behaviour, conduct and client care.