This Disclosure Statement is provided in accordance with the Financial Markets Conduct Act 2013 and the Financial Markets Conduct Regulations 2014.
It contains important information about the financial adviser services I provide, my qualifications, experience, fees, and any conflicts of interest. Please read this document carefully and keep it for your records.
Role: Financial Adviser & Director
Company: Life Protector Limited
Contact: 021 886 846
Email: [email protected]
Financial Adviser
I am passionate about helping New Zealanders achieve their financial goals through personalized loan and insurance solutions. With extensive experience in the financial services industry, I specialize in home loans, business financing, and comprehensive insurance protection.
My mission is to provide faith-based, client-first service, ensuring you receive expert guidance tailored to your unique circumstances. I am committed to finding the right financial solutions that protect your lifestyle and help you build lasting wealth.
I am authorized to provide financial adviser services in the following areas:
Service Model: I provide personalized advice tailored to your individual circumstances and financial goals. All advice is provided on a case-by-case basis after a thorough assessment of your needs.
Financial Adviser Certification
Licensed under the Financial Markets Conduct Act 2013
Mortgage Adviser Certification
Certified to provide residential and commercial mortgage advice
Insurance Adviser Qualification
Qualified to provide life, health, and general insurance advice
Extensive experience in the New Zealand financial services industry
Specialized expertise in home loan structuring and refinancing strategies
Proven track record of helping clients secure loan approvals, including non-standard income scenarios
Deep understanding of lending criteria across multiple New Zealand banks and financial institutions
Comprehensive knowledge of insurance products and risk management strategies
I am committed to maintaining and enhancing my professional knowledge through:
Regular Training
Industry updates and product knowledge
Professional Networks
Active membership in industry associations
Compliance Updates
Current with regulatory changes
Market Knowledge
Staying informed on market trends
My remuneration comes from the following sources:
When you obtain a loan through my services, I receive commission payments from the lending institution. These commissions are paid by the lender, not by you as the client.
Typical Commission Structure:
For insurance products arranged through my services, I receive commission from insurance providers. These commissions do not increase the cost of your insurance premium.
Typical Commission Structure:
In some circumstances, I may charge a direct fee for services provided. This will be discussed and agreed upon with you before any work commences.
Examples include: Complex commercial loans, specialist advice requiring extensive research, or situations where lender commission is not applicable.
Important: Full disclosure of all fees and commissions will be provided to you in writing before you proceed with any financial product or service.
You have the right to request detailed information about the exact commission I will receive for any specific product recommendation.
I am committed to acting in your best interests at all times. Below, I disclose any potential conflicts of interest or related party arrangements that may affect the advice I provide:
I work with a panel of approved lenders and insurance providers. While I have commission arrangements with these institutions, I am not obligated to recommend any particular provider.
My Commitment: I will recommend products based on your needs and circumstances, not on the commission I receive.
I am a director and shareholder of Life Protector Limited. All commissions and fees paid for services provided through Life Protector Limited contribute to the company's revenue, from which I derive my income.
From time to time, I may receive non-monetary benefits from lenders and insurance providers, such as:
These benefits are typically valued at less than $300 per provider per year and do not influence my recommendations.
I may receive or pay referral fees to/from other professionals (such as real estate agents, accountants, or solicitors) when client referrals are made. Any such arrangements will be disclosed to you at the time.
When a conflict of interest exists or could potentially exist, I will:
I am committed to providing you with high-quality service. However, if you have a complaint or concern about my services, please follow this process:
Please contact me first to discuss your concern. Most issues can be resolved quickly through direct communication.
If your concern is not resolved, please submit a formal written complaint. I will acknowledge your complaint within 3 business days and provide a response within 20 business days.
If you are not satisfied with my response, you can escalate your complaint to an independent dispute resolution scheme:
Financial Dispute Resolution Scheme (FDRS)
Important: The dispute resolution process through FDRS is free for you. FDRS is an independent service approved by the Ministry of Business, Innovation and Employment.
As your financial adviser, I am bound by various duties and obligations under New Zealand law to ensure I act in your best interests:
Exercise care, diligence, and skill that a prudent person would in providing financial advice
Ensure advice is suitable for your individual circumstances and financial situation
Provide clear information about fees, commissions, and potential conflicts of interest
Keep your personal and financial information strictly confidential
Maintain competence through continuing professional development
I adhere to the Code of Professional Conduct for Financial Advice Services, which requires me to:
Act with integrity and professionalism
Treat you fairly and without discrimination
Communicate clearly and not mislead
Manage conflicts of interest appropriately
Comply with all applicable laws
Maintain professional indemnity insurance
To provide you with the most suitable advice, I need your cooperation and accurate information. Your responsibilities include:
Disclose all relevant information about your financial situation, goals, and circumstances. Incomplete or inaccurate information may result in unsuitable advice.
Inform me promptly of any material changes to your circumstances, including employment, income, health, or financial situation.
If you don't understand something, please ask. I encourage you to seek clarification on any aspect of my advice or recommendations.
Carefully review all documents, including loan agreements and insurance policies, before signing. Ensure you understand the terms and conditions.
Timely responses to requests for information or documentation help ensure efficient processing of your application.
Adviser Name: Rowena Telebrico - Sabdao
Adviser FSP Number: FSP109291
Company: Life Protector Limited
Company FSP Number: FSP1005957
Status: Financial Adviser
Regulator: Financial Markets Authority (FMA)
Licensed With: Financial Service Providers Register (FSPR)
Verification: You can verify my registration at www.fspr.govt.nz
I hold Professional Indemnity Insurance that meets the requirements of the Financial Markets Conduct Act 2013, providing coverage for claims arising from my professional services.
Member of: Financial Dispute Resolution Scheme (FDRS)
Verification: You can verify my registration status and licensing information at any time through the Financial Service Providers Register at www.fspr.govt.nz or by contacting the Financial Markets Authority.
I am committed to protecting your privacy and handling your personal information in accordance with the Privacy Act 2020.
Secure storage of all client information
Encrypted digital communications
Strict access controls and confidentiality agreements
Regular security audits and updates
I will only share your personal information with third parties when:
For full details about how we collect, use, and protect your personal information, please refer to our Privacy Policy.
While I will work diligently to help you secure financing, I cannot guarantee that any lender will approve your application. Lending decisions are made by the financial institutions themselves based on their own criteria and policies.
Some information provided (such as market updates or general product information) may be general in nature and not tailored to your specific circumstances.
Personalized advice will only be provided after I have gathered sufficient information about your situation and assessed your needs.
Interest rates, fees, and product features can change. Any advice provided is based on information available at the time. I will make reasonable efforts to ensure you have current information before making decisions.
While I can provide financial advice, I am not a lawyer, accountant, or tax adviser. You may wish to seek independent professional advice for legal, accounting, or tax matters related to your financial decisions.
You are under no obligation to accept any advice or proceed with any recommended product. You have the right to seek a second opinion or choose an alternative provider at any time.
I'm here to answer your questions and help you achieve your financial goals
By proceeding with my services, you acknowledge that:
Date Issued
1 December 2025
Version
1.0
Review Date
Annually or as required
This Disclosure Statement complies with the Financial Markets Conduct Act 2013 and Financial Markets Conduct Regulations 2014. Please keep this document for your records.