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Important information

This document will help you, the Customer, make an informed decision whether the products and financial advice offered by me, on behalf of Capital Risk Solutions, are suitable and acceptable for your needs. This Disclosure Statement is required under the Financial Markets Conduct (Regulated Financial Advice Disclosure) Amendment Regulations 2020.


Who am I?

Name of Financial Adviser:                           Jason Harris

Financial Advice Provider:                             Capital Risk Solutions Limited

Telephone Number:                                       (04) 210 1440

Address:                                                           24 Lane Street, Wallaceville, Upper Hutt

Email address:                                      



What sort of adviser am I?

I am a Financial Adviser who gives advice on behalf of Capital Risk Solutions Limited.

Capital Risk Solutions Limited holds a class 1, single adviser licence issued by the Financial Markets Authority (FMA) to provide a financial advice service (being the provision of financial advice on fire and general insurance products). Under this licence, I can only provide financial advice in relation to fire and general insurance products.  Capital Risk Solutions Limited is a Financial Advice Provider under the licence. The licence came into effect when the Financial Services Legislation Amendment Act 2019 (FSLAA) came into force on 15 March 2021.

To view  my registration and Capital Risk Solutions license go to the Financial Service Providers Register and search for the Financial Service Provider (FSP) number FSP580927, or click on the link:


What financial advice can I provide to you?

I can provide financial advice on General Insurance Products for Commercial and Domestic Customers.


Capital Risk Solution’s insurance product providers are Insurance businesses in New Zealand that are licensed under the Reserve Bank under section 19 of the Insurance (Prudential Supervisor) Act 2010. The Insurers have a financial strength rating from an approved rating agency. To view the Insurer ratings click on the link


Capital Risk Solutions Limited’s insurance product providers are required to have financial strength ratings with a minimum of B- and above. When you receive a quote from me you will be supplied with the current financial strength ratings for the product providers that I have quoted.  If you accept the financial advice, I will supply a current rating for the product provider that you have selected.


Limitations and restrictions

I am committed to providing my customers with good financial advice that is suitable for their needs.

I can only provide financial advice on Fire & General Insurance Products, excluding Life & Health.


How Capital Risk Solutions gets paid for the Financial Advice and Products I provide to you

Fire & General Insurance Products

Capital Risk Solutions Limited receives commission when you accept financial advice and purchase an insurance policy. The commission is paid by the Insurer (product provider’s) on each insurance policy that you purchase. The commission paid to Capital Risk Solutions can vary from 7.5%-30% of the insurer portion of the total premium (total cost of the Insurance policy less government levies and GST).


Policy Administration Charges and Fees

Capital Risk Solutions may charge a policy administration charge or fee for financial advice. I will tell you what the fee is and will show the charge or fee on your policy invoice. These charges and/or fees are only payable by you when you accept financial advice, and the insurance policy is purchased. The fees charged are for the service, placement, implementation, and administration of the insurance policies you choose to purchase. The total fees payable may increase with the number of insurance policies that you choose to purchase. Fees may be charged in isolation, or in addition, to commission.  


How I act with Integrity

To ensure that I prioritise your interests above my own, I follow an advice process that ensures recommendations are made on the basis of your individual needs and circumstances. I complete annual and ongoing training about how to manage conflict of interests and a register of interests is maintained. Capital Risk Solutions monitors these registers and I undertake additional training where necessary. Capital Risk Solutions performs an annual review of the compliance programme.


You should be aware there are potential conflicts of interest that you may need to take into consideration when you decide to seek and accept financial advice from me, I will make you aware of any conflicts when giving advice.

NZbrokers Management Limited

Capital Risk Solutions is a member of NZbrokers Management Limited. NZbrokers Management Limited provides services such as IT, education, training, claims management support, and group member benefits to Capital Risk Solutions. When a customer accepts financial advice and purchases a policy, NZbrokers may receive a remuneration from the Product Provider.


Profit Share

Capital Risk Solutions Limited does not engage in, or accept, any form of profit share from insurers.


How to make a Complaint

If you have a problem, concerns, or you are dissatisfied with a product or the financial advice that has been provided by me, and you require action to be taken, please tell me so that I can help to resolve the issue. To make a Complaint please follow this link and click on the complaints tab which will give details of Capital Risk Solutions Complaints Process and how to make a Complaint. 

Capital Risk Solutions will approach all complaints with an open mind, listen, and treat each complaint with courtesy and respect. Capital Risk Solutions will promptly acknowledge the complaint at the earliest possible opportunity and every attempt will be made to resolve your complaint in a timely manner.  

You will receive a written decision, remedies, and resolution as soon as practicable after the outcome has been determined.


If your complaint is not resolved to your satisfaction using the complaints process, or you are unsatisfied with the response or resolution, you can contact Financial Services Complaints Ltd (FSCL).  FSCL is a dispute resolution scheme of which Capital Risk Solutions is a member. This service will cost you nothing and is an independent service that will help investigate or resolve the complaint. You can click on this link to find out how to make a complaint to Financial Services Complaints Limited


You can contact FSCL at:


Postal Address:                 P.O. Box 5967, Wellington 6145


Telephone:                        0800 347 257



My duties as your adviser

As a financial adviser I give financial advice to customers on Capital Risk Solutions Limited’s behalf, when giving advice I must:


  • Hold a Level 5 New Zealand Certificate in Financial Services or equivalent

  • Maintain competence, knowledge and skills for giving financial advice by completing continuing professional development.

  • Abide by the Code of Professional Conduct for Financial Services and have ethical behaviour, good conduct, and provide customer care.

  • Listen to the customer carefully to discover their needs.

  • Recommend products or services that meet the needs of the customer and explain why.

  • Give clear and concise communication.

  • Protect customer information.

  • Give priority to the customer’s interests when giving financial advice.


Who licenses and regulates me?

The Financial Markets Authority (FMA). You can report information about us to the Financial Markets Authority at: or email but if you want to complain you should use our dispute resolution procedures described under How to make a Complaint? And What to do if you are not satisfied after making a complaint?


This disclosure statement was prepared on:


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