Our Disclosure Statement

Moana Financial Services is a business arm of Moana Community Trust, a registered charitable trust. We provide clear, honest, and independent financial advice to individuals, families, charities, and not-for-profits across Aotearoa New Zealand. This page contains important information about us and how we work. It's designed to help you decide whether we're the right fit for you.
Last updated: July 2026

Licensing

Moana Financial Services provides financial advice under the Financial Advice Provider licence held by Moana Financial Services Limited FSP number 1011123

What we advise on

We provide financial advice in four areas:
KiwiSaver - choosing the right fund, contribution strategies, provider selection, first home withdrawals, and planning for retirement.
Investments - investment strategy, managed funds, and building a portfolio to grow and manage your wealth.
Mortgages & Residential Lending - home loans for first home buyers, refinancing, restructuring, and other residential lending.
Personal Risk Insurance - life insurance, income protection, trauma/critical illness cover, total and permanent disablement (TPD) cover, and medical insurance.

Who we work with

We provide advice on products from a selected range of providers:
KiwiSaver & Investments: Kernel Wealth, Generate, Pathfinder, Booster, Simplicity
Mortgages: ANZ, ASB, BNZ, Westpac, Kiwibank, SBS, Cooperative Bank, Heartland Bank, TSB, Unity, Avanti, PepperMoney
Personal Risk Insurance: AIA, Partners Life, Nib, Asteron, Chubb
We only advise on products from the providers on our approved list - not every product available in the market. If something outside our range would suit you better, we'll tell you. If you need advice on something we don't cover (such as business insurance, commercial lending, or estate planning), we're happy to refer you to a specialist.

What it costs

KiwiSaver & Investments: I generally do not charge you a fee if you decide to take our advice. The provider may pay us a commission if you decide to take up our advice regarding your KiwiSaver. Some providers do not pay commission, but will facilitate a fee for the advice that we provide to you. This fee will that will be paid to us (Moana Financial Services Limited).
Mortgages: We don't usually charge you a fee. When your loan settles, the lender pays us a commission. In some cases a fee may apply (for example, if a loan is repaid early and the lender claws back our commission) - we'll always agree any fee with you first.
Personal Risk Insurance: We don't usually charge you a fee. When a policy is put in place, the insurer pays us a commission. If a fee ever applies, we'll discuss it with you in advance. Before we give you advice, we'll always tell you about any fees or commissions that apply to your situation - so you'll know what you're paying (if anything) before you go ahead.

Managing conflicts of interest

We may receive commissions from lenders and insurers when you take out a product we've recommended. To make sure this never improperly influences our advice, we:
- Always put your interests first
- Follow an advice process based on your needs and goals - not on what a product pays us
- Keep a conflicts of interest register and review it regularly
- Have our advice reviewed regularly to ensure it prioritises your outcomes
As a business arm of a charitable trust, our purpose goes beyond profit. If we ever spot a conflict that could affect our advice, we'll tell you.

Our duties to you

Everyone who gives advice on our behalf must, under the Financial Markets Conduct Act 2013: Give priority to your interests Exercise care, diligence, and skill Meet the competence, knowledge, and skill standards in the Code of Professional Conduct for Financial Advice Services Meet the ethical behaviour, conduct, and client care standards in that same Code More information is available on request, or at fma.govt.nz.

If something goes wrong

If you're not happy with our service, please tell us - we'll do our best to put it right.
Contact us first:
Email: dante@moanafinancialservices.com
Phone: 027 696 2117

We'll acknowledge your complaint promptly and aim to resolve it quickly. If we can't sort it out within two working days, we'll keep you updated as we work toward a resolution. If we can't resolve it: You can contact our independent dispute resolution scheme.

It's free to you and will help resolve the matter.
Financial Disputes Resolution Scheme
Phone: 0508 337 337
Email: enquiries@fdrs.org.nz
Website: https://fdrs.org.nz/

Get in touch

Moana Financial Services
A business arm of the Moana Community Trust
Adviser: Danté Fyfe
Phone: 027 696 2117
Email: dante@moanafinancialservices.com
Web: www.moanafinancialservices.com

This disclosure information is current as at July 2026 and is subject to change. The latest version is always available on this page, or free of charge on request.