NZ Financial Services Group Limited (FSP286965) holds a license issued by the Financial Markets Authority to provide financial advice. Guardian Smith (2022) Limited (FSP1002543) is authorised by the license to provide financial advice.
Guardian Smith provides advice to our clients about their mortgages. Our Financial Advisers provide financial advice in relation to these financial advice products.
We only provide financial advice about products from certain providers. For mortgages, we work with the following lenders:
Generally, Guardian Smith will not charge any fee for the financial advice we provide you. This is possible because we receive commission for the work we undertake.
However, on occasion we may charge you a one-off fee if you request financial advice and we do not receive commission. In this case you will be made aware of the fee for service and agree to the amount before you are invoiced. The fee amount will be based on an estimate of the time spent on providing the service.
Guardian Smith and our financial advisers receive commissions from the providers on whose products we give financial advice (insurers and banks). If you decide to take out insurance or a mortgage, the provider will pay a commission to Guardian Smith and to your financial adviser. The amount of commission is based on the amount of the premium or mortgage.
As part of our overall process, we sometimes refer our clients to Insurance Advisers. We receive a small referral fee for this service.
From time to time, product providers may also reward us for the overall business we provide to them. They may give us tickets to sports events, hampers, or other incentives.
To ensure that our financial advisers prioritise our clients' interests above their own, we follow an advice process that ensures our recommendations are made on the basis of each client's goals and circumstances. All our financial advisers undergo annual training about how to manage conflicts of interest. We maintain registers of conflicts of interests, and the gifts and incentives we receive.
We are always looking for ways to improve our service to you. If something has gone wrong, we want to know. Please send an email to Hello@guardiansmith.co.nz and tell us what has happened and how we can resolve matters. If you have any documents or correspondence that will help us understand your complaint, please attach them to your email.
When we receive your complaint, we will:
If we cannot resolve your complaint to your satisfaction, you can contact Financial Services Complaints Limited – A Financial Ombudsman Service (FSCL). They are an independent, not-for-profit, external dispute resolution service approved by the Minister of Consumer Affairs. FSCL's role is to investigate and fairly resolve complaints. Their service is free (it does not cost you anything).
FSCL contact details: fscl.org.nz · 0800 347 257 · complaints@fscl.org.nz · FSCL, PO Box 5967, Wellington 6140
Guardian Smith, and anyone who gives financial advice on our behalf, have duties under the Financial Markets Conduct Act 2013 relating to the way that we give advice. We are required to:
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 www.fma.govt.nz.
Guardian Smith (2022) Limited (FSP1002543, trading as Guardian Smith) is the Financial Advice Provider.
You can contact us at: Phone: 021 031 8160 · Email: Mikey@GuardianSmith.co.nz · Address: 1/40 Hurstmere Road, Takapuna, Auckland 0622
We understand how important it is to protect your personal information. This document sets out our privacy commitment in respect of personal information we hold about you and what we do with that information.
It is important to us that you are confident that any personal information we hold about you will be treated in a way which ensures protection of your personal information.
Our commitment in respect of personal information is to abide by the Privacy Principles set out in the Privacy Act 2020 (or any successor legislation) and all other applicable laws.
References in this Privacy Policy to "we", "us" and "our" means Guardian Smith acting through a Financial Adviser.
By providing us with personal information, engaging us to provide you with services, or by using our website, you consent to the collection, use, storage and disclosure of personal information in accordance with this Privacy Policy.
We may change our Privacy Policy from time to time, by publishing an updated version on this page, to reflect changes in the law and also our business needs so long as the changes do not disadvantage you.
When we refer to personal information we mean information that identifies, or is capable of identifying, you. This includes, for example, your name, date of birth, address, contact details, account details and occupation.
If you engage us to provide services to you, we may collect personal information about your financial situation or goals in order to recommend mortgage products that we are permitted to advise on.
We collect your personal information for the purposes of our and relevant third parties' services and relationship with you. For example: responding to your requests or inquiries; providing services to you; sending communications and direct marketing to you about products and services we think may be of interest to you; market research; and any other purpose authorised by you or the Privacy Act.
If you do not wish to receive marketing information, you may 'opt out' at any time by notifying us.
Generally we will collect your personal information directly from you, for example, through the contact form on this website or during conversations between you and us. We may also collect your personal information from credit reporting agencies, banks (with your authorisation), product providers, and any other person authorised by you or the Privacy Act.
We will generally rely on you to ensure the information we hold about you is accurate. If any of your details change, please let us know as soon as possible by contacting us.
We may disclose your personal information to: NZ Financial Services Group Limited and its related bodies corporate; product providers and other prospective lenders; our referral partners; contractors or service providers; investors or any entity that has an interest in our business; anyone we are legally required to share your information with, including regulators and government agencies; auditors; and any other person or entity authorised by you or the Privacy Act.
We may use cloud storage to store the personal information we hold about you. The cloud storage and the IT servers may be located outside New Zealand.
When you access our website, we may send a "cookie" to your computer to recognise your computer each time you visit. We use cookies to measure traffic patterns, analyse trends, and improve our website. If you do not wish to receive cookies, you can set your browser so that your computer does not accept them.
As our website is linked to the internet, and the internet is inherently insecure, we cannot provide any assurance regarding the security of transmission of information you communicate to us online. Any personal information which you transmit to us online is transmitted at your own risk.
You are not required to provide any personal information to us but if you choose not to it might affect our ability to provide services to you and your ability to obtain finance and other products from product providers.
You may access and request correction of any of the personal information that we hold about you at any time by contacting us.
If you have any questions on our Privacy Policy or your personal information please contact us at nathan@guardiansmith.co.nz or 027 315 5850.
This Privacy Policy was last updated March 2021. Guardian Smith Disclaimer last updated May 2025.