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It is important that you read this information

It will help you (the customer) make an informed decision whether we Capital Risk Solutions Limited and our adviser’s financial advice and products are suitable for your needs and whether to seek, follow or accept the financial advice. This Disclosure Statement is required under the Financial Markets Conduct (Regulated financial advice Disclosure) Amendment Regulations 2020.

Who are we?

Name of Financial Advice Provider:               Capital Risk Solutions Limited

Telephone Number:                                         (04) 2101440

Address:                                                             24 Lane Street, Wallaceville, Upper Hutt

Email address:                                        


What sort of advisers are we?

We are a Financial Advice Provider as licensed under the Financial Market Authority of New Zealand (FMA) The Financial Services Legislation Amendment Act 2019 requires Capital Risk Solutions Limited to hold a current license for our advisers to provide financial advice services to our customers. 

To view our license go to the Financial Service Providers Register and search our Financial Service Provider (FSP) number FSP580927, or click on the link to go directly to our registration


What financial advice can we provide to you?

Capital Risk Solutions Limited and our advisers give financial advice on Insurance Products for Commercial and Domestic customers.


Our Insurance product providers are Insurance business 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 A- and above. When you receive a quote from us you will be supplied the current strength ratings for the product providers that we have quoted for.  If you accept the financial advice, we will supply a current rating for the product provider that you have selected.


Limitations and restrictions

Capital Risk Solutions Limited is committed to providing our customers with good financial advice that is suitable for our customer’s needs. We only provide financial advice on Insurance Products.


What fees do we charge?

We may charge customers fees for financial advice. We will tell you what the fee is before you accept any advice from us or our Advisers.  We may charge fees that are payable by you the customer when our advice is followed, accepted and the insurance policy is purchased. The fees we charge are for our service, placement, implementation and administration of the insurance policies that you choose to accept and purchase. The total fees payable may increase with the number of insurance policies that you choose to purchase.


The fees are payable by you and are due by the effective date of the policy which is on the invoice.

How do we act with Integrity?

To ensure that we and our advisers prioritise your interests above our own, we follow an advice process that ensures recommendations are made on the basis of your individual goals and circumstances. Our advisers complete annual and ongoing training about how to manage conflict of interests and a register of interests is maintained. We monitor these registers and provide additional training where necessary. We perform an annual review of our compliance programme.


You should be aware there are potential conflicts of interest that you the Customer may need to take into consideration when you decide to seek and accept financial advice from us or our advisers, we will make you aware of any conflicts when giving advice.

How do we get paid for the financial advice and Products that we provide to you?

Capital Risk Solutions Limited and our advisers receive commission when you the customer accepts our financial advice and purchase an insurance policy. The commission is paid by the Insurer (product provider’s) for the insurance business on each insurance policy that you the Customer purchase. The commission paid to us and our Advisers can vary from 0-30% of the insurer portion of the total premium (total cost of the Insurance Policy less government levies and taxes).


NZbrokers Management Limited

We are a member of NZbrokers Management Limited, NZbrokers Management Limited provides services such as IT, education, training, technical insurance product and claims support and group member benefits to us. When a customer accepts our financial advice as your adviser and purchases a policy NZbrokers may receive a service fee or technology fee from the Product Provider.

Profit Share

Capital Risk Solutions Limited does not engage in or accept any profit shares from Insurers 


How to make a Complaint

If you have a problem, concerns or you are dissatisfied with either a product or financial advice service that has been provided by us or our Advisers and you require action to be taken please tell us so that we can help and fix the issue. To make a Complaint please follow this link and click on the complaints tab which will give details on our Complaints Process and how to make a Complaint. 

We will approach all complaints with an open mind, listen, and treat each complainant with courtesy and respect. We will promptly acknowledge the complaint at the earliest possible opportunity and every attempt will be made to resolve your complaint in a timely manner, with staff escalating as necessary to Senior Management or Complaints Manager.

You will receive a written decision, remedies and resolution as soon as practicable after we have decided the outcome.


What to do if you are not satisfied after making a Complaint

If you feel your complaint is not resolved to your satisfaction using our complaints process, or you are unsatisfied with the response or resolution, you can contact Financial Services Complaints Ltd.  FSCL is a dispute resolution scheme of which we are 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



What are our adviser’s duties?

Our advisers give financial advice to customers on Capital Risk Solutions Limited’s behalf, when giving advice all our advisers 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 customer needs and explain why.

  • Give clear and concise communication.

  • Protect customers information.

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


Who licenses and regulates us?

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: 13/03/2021

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