f you have a problem, concern, or complaint about any part of my service, please contact Garner Wealth Solutions Ltd in the first instance, so that we can address the situation immediately.

You may contact the internal complaints scheme by sending your complaint to compliance@garnerwealthsolutions.com or by phoning +64 (0)6 262 9186 or +64 (0)21 222 7910.

If we cannot agree on how to fix the issue, or if you decide not to use the internal complaints scheme, you can contact the Insurance & Financial Services Ombudsman. This service will cost you nothing, and will help us resolve any disagreements.

You can contact the Insurance & Financial Services Ombudsman at –

Address: Level 8, Shamrock House, 79-81 Molesworth Street, Wellington 6011, NZ

PO Box 10845, Wellington, 6143

Telephone number: (04) 499 7612 or 0800 888 202

Email address: info@ifso.nz

Participant Number: 1004645

If you have a question about anything in this disclosure statement or you would like to know anything more about Garner Wealth Solutions dispute resolution process, please ask us.

If you have a question about financial advisers generally, you can contact the Financial Markets Authority.

Garner Wealth Solutions Ltd, licences:

Garner Wealth Solutions Ltd holds a Financial Adviser Providers Licence Class 2 (FAP) issued by the Financial Markets Authority (FMA) to provide financial advice services

Garner Wealth Solutions Ltd is registered with the Financial Services Providers Register (FSPR) FSP707292

Andrew Grant Garner is registered with the Financial Services Providers Register (FSPR) FSP104385