IMPORTANT INFORMATION
HTL Group disclosure information
Last updated: 1 October 2026
The FMA has authorised specific members of our network to deliver financial advice under our licence, who are known as Authorised Bodies. To find the list of the businesses, search HTL Group Limited on the FSPR and open the ‘Financial Services’ tab. The list is located under the ‘Authorised Bodies’ section.
We provide our Authorised Bodies with Compliance and Professional Development support. HTL Group authorised bodies provide financial advice to their clients.
Products that Financial Advisers in our network can provide advice about are:
- Personal Risk Insurances through HTL Insurance Ltd
- General Insurance through HTL Insurance Ltd
- Mortgage Products & Consumer Credit Contracts through HTL Mortgages Ltd
- KiwiSaver & Superannuation Schemes through HTL Wealth Ltd
- Managed Funds & investment portfolios through HTL Wealth Ltd
Each Authorised Body and Financial Adviser has their own area of financial expertise they advise on and will be accredited with a range of product providers to deliver this advice.
Conflicts of interest
HTL Group limited does not hold referral relationships or engage in relationships that could present a conflict of interest. Your financial adviser will provide you with their own disclosure information, and any conflicts or incentives will be explained to you, along with how they are managed within their authorised body.
We do ensure all advisers operating under our licence prioritise client interests by:
- Ensuring that our financial advisers follow an advice process placing a client’s interests above their own.
- Adviser recommendations are made on the basis of the client’s goals and circumstances.
- All our financial advisers undergo annual training about how to manage conflicts of interest.
Our duties to you
The HTL Group, 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:
- Give priority to your interests by taking all reasonable steps to make sure our advice isn’t materially influenced by our own interests
- Exercise care, diligence, and skill in providing you with advice
- Meet standards of competence, knowledge and skill set by the Code of Professional Conduct for Financial Advice Services (these are designed to make sure that we have the expertise needed to provide you with advice)
- Meet standards of ethical behaviour, conduct and client care set by the Code of Professional Conduct for Financial Advice Services (these are designed to make sure we treat you as we should, and give you suitable advice). 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 https://www.fma.govt.nz.
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