Disclosures & Disclaimers

The Bridge Partners Limited is a Financial Advice Provider (FAP) licensed by the Financial Markets Authority (FMA) to provide a financial advice service.

We provide KiwiSaver advice only.

We provide financial advice solely on KiwiSaver schemes, including: selecting a KiwiSaver provider, choosing an appropriate fund, reviewing existing KiwiSaver settings, and understanding contribution options.

We provide advice on the following KiwiSaver providers: Generate KiwiSaver Scheme and Milford KiwiSaver Scheme. This means we do not advise on all KiwiSaver providers in the market. This is a material limitation of our service.

We do not provide advice on insurance, investment portfolios, or other financial products.

The Bridge Partners does not charge clients any fees for KiwiSaver advice.

If this changes, we will update this disclosure and clearly explain what fees may apply, when they would be charged, and under what circumstances.

Potential conflicts may arise if we recommend KiwiSaver providers that pay commissions or referral fees, or if we receive incentives linked to client referrals or fund selection.

We manage these conflicts by maintaining a transparent provider selection process, declaring all commissions and incentives, ensuring advisers follow our internal advice and conduct standards, and regularly reviewing our advice to ensure it remains fair and unbiased.

The Bridge Partners may receive commissions or referral payments from Generate or Milford when clients join or switch schemes based on our advice.

These payments do not affect the fees you pay — you pay nothing.

We will always disclose any commission or incentive relevant to your situation before finalising advice.

If you are unhappy with any part of our service, please contact our Complaints Manager, Matthew Preen, at [email protected] or 021 618 158.

We will acknowledge your complaint within two business days and aim to resolve it within 10 business days.

If we cannot resolve your complaint, or if you are not satisfied with our response, you may contact our independent dispute resolution scheme: Financial Services Complaints Limited (FSCL), a Financial Ombudsman Service. Phone: 0800 347 257 | Email: [email protected] | Website: www.fscl.org.nz. This service is free of charge.

Joshua Kelly — Financial Adviser. FSPR: 1011161. Licensed KiwiSaver adviser providing personalised KiwiSaver advice under The Bridge Partners' FAP licence. Meets the competence, knowledge, and skill requirements set by the FMA.

Joshua Kelly is the only adviser at The Bridge Partners.

General Information Disclaimer: The information on this website is provided for general information only and does not constitute personalised financial advice. If you require personalised KiwiSaver advice, please contact our licensed financial adviser.

No Liability Disclaimer: While we make every effort to ensure the information on this website is accurate and up-to-date, The Bridge Partners does not accept liability for any loss or damage arising from reliance on this information.

Third-Party Content Disclaimer: Some information on this website is provided by third parties, including KiwiSaver providers. We do not guarantee the accuracy or completeness of third-party data, and it may change without notice.

Professional Advice Disclaimer: This website does not provide tax, legal, or investment planning advice. You should seek assistance from a qualified professional if you require advice in these areas.

We collect personal information to provide KiwiSaver advice and support. This may include contact details, employment information, KiwiSaver account details, and contribution history.

We store personal information securely and only share it with KiwiSaver providers (with your consent), our dispute resolution scheme (if required), and service providers who support our business operations.

You may request access to, or correction of, your personal information at any time by contacting us at [email protected].

By using this website, you agree not to rely solely on its content when making financial decisions. All content is subject to change without notice. We may update disclosures, policies, and disclaimers at any time to reflect regulatory requirements or business changes.