This document sets out important information about Nichola Wadey Financial Services Ltd advice service.  It is important that you read it carefully to ensure you understand it completely.  Please contact Nicola Louise Wadey if you have any queries.

You can also download the document here.

Licensing Information

Nichola Wadey Financial Services Limited (FSP29042) holds a licence issued by the Financial Markets Authority to provide financial advice.  Nicola Louise Wadey and Leecia Burford are authorised under that licence to provide financial advice.

  • Nicola Louise Wadey (FSP34162)

  • Leecia Burford (FSP241545)


If you wish to view Nichola Wadey Financial Services Limited registration and licence, please go to the Financial Service Providers Register: https// and search our company Financial Services Provider (FSP) number FSP29042.  As a licensed Financial Advice Provider, Nichola Wadey Financial Services Limited has standard conditions to its licence.  There are no conditions specific to Nichola Wadey Financial Services Limited nor limitations or restrictions on the advice that may be given.


Nature of Scope of our Financial Advice Service

Nichola Wadey Financial Services Limited provides advice about Personal & Business Insurance:

Personal Insurance

  • Life Insurance Cover

  • Mortgage Protection Cover

  • Trauma/Critical Illness Cover

  • Health Insurance

  • Total Permanent Disability Cover

  • Income Protection Cover

  • Redundancy Cover

Business Insurance

  • Business Insurance Cover

  • Share Purchase

  • Key Person

  • Loss of Revenue

Product providers we can recommend:

  • Partners Life

  • AIA

  • Asteron Life

  • Fidelity Life

  • Nib

  • Southern Cross

  • Accuro

  • AMP


Not all of Nichola Wadey Financial Services Limited advisers will be able to provide advice in relation to all of these financial advice products or from all of these providers. 

Nichola Wadey Financial Services Limited does not give advice on:

  • Mortgages

  • Financial Planning

  • Fire and General Insurances


Nichola Wadey Financial Services Limited refer these to a trusted adviser, who is licensed to give advice in these arrears and Nichola

Wadey Financial Services Limited receives a referral fee for the referral only.


Fees or Expenses


Nichola Wadey Financial Services Limited does not charge fees, expenses or any other amount for the financial advice provided to clients except in the particular circumstances set out below and agreed in advance with the client.


Conflicts of Interest and Incentives


We are here for our clients and to advice you as best we can.  Your interests are our priority although we do have business relationships with product providers also.

From time to time, product providers assist us with sponsorship monies for our clients’ sports teams and may also reward us for the overall business we provide to them.  They may give us tickets to sports events, hampers and other incentives.


How we manage any conflicts of interest:

  • We follow an advice process that ensures our recommendations are made approximately, based on client’s goals and circumstances

  • All our advisers undergo annual training about how to manage conflicts of interests

  • We maintain registers of conflicts of interests and the gifts and incentives we receive.  These registers are monitored regularly, and additional training is provided as required

  • We undertake an annual independent Compliance Assurance Review


Complaints and Dispute Resolution


If you have a problem, concern, or complaint about any part of my service, please tell me or my internal complaints scheme so that I or my internal complaints scheme can try to fix the problem. 

You may contact the internal complaints scheme by calling 09 950 5901 or email  


If we cannot agree on how to fix the issue, or if you decide not to use the internal complaints scheme, you can contact Financial Services Complaints Limited. This service will cost you nothing and will help us resolve any disagreements.  You can contact Financial Services Complaints Limited at:


Address: Financial Services Complaints Limited, PO Box 5967, Lambton Quay, Wellington

Freephone: 0800 347 257 - Fax: (04) 472 3728- Email:

You also have the right to address your complaint to the Financial Markets Authority (FMA).  Details of the FMA complaints process are available on the FMA website:  FMA can also be contacted at: Level 2, 1 Grey Street, P O Box 1179, Wellington 6140 or by phone 04 472 9830.


Our duties and Obligations to you


We are bound by the duties of the Financial Markets Conduct Act (431l, 431K, 431L and 431M) to:

  • Meet the standards of competence, knowledge and skill set out in the Code of Conduct

  • Give priority to the client’s interests and

  • Exercise care, diligence, and skill and

  • Meet the standards of ethical behaviour, conduct, and client care set out in the Code of Conduct.

This is only a summary of the duties that we have.  More information is available by contacting us, or by visiting the Financial Markets Authority website at


Contact Us


Name and registration number of Financial Adviser: Nicola Louise Wadey (FSP 34162)


  • Level 1, 15 Mercari Way, Albany, Auckland

  • P O Box 300 772, Albany, Auckland 0752


Trading Name(s): Nichola Wadey Financial Services Limited 


Telephone number: 021 905 658


Email address: