EZ Financial Services Limited is a licensed Financial Advice Provider regulated by the Financial Markets Authority.
The business is operated by Eric Zamora, a licensed financial adviser based in Masterton, providing financial advice to clients throughout New Zealand.
Financial Advice Provider:
EZ Financial Services Limited
FSP Number: 1003731
I provide personalised financial advice in the following areas:
Personal risk insurance, including life, trauma, income protection, disability and health insurance
KiwiSaver advice
Managed fund investment advice
Retirement planning and long-term investment strategies
For personal risk insurance advice, I currently work with AIA and Chubb.
The specific products and cover recommended will depend on your circumstances, needs and the scope of advice agreed with you. Any limitations on the range of products or providers available to you will be explained before advice is provided.
For KiwiSaver and investment advice, I currently work with Kernel and InvestNow.
I provide advice on KiwiSaver, managed funds, retirement planning and long-term investment strategies within the scope of these investment solutions.
The specific products and investment options considered will depend on your circumstances, objectives, risk profile and the scope of advice agreed with you. Any material limitations or restrictions on the advice I can provide will be explained to you before you proceed.
I do not provide advice on mortgages, general insurance, or legal or tax matters.
I do not charge upfront fees for insurance, KiwiSaver, or managed fund advice.
I may receive commission or other remuneration from product providers if you proceed with a recommended product. These payments may be built into product premiums or fund management fees.
For advice provided in relation to KiwiSaver Schemes, an advice fee may be charged to your KiwiSaver account and paid to me. Any applicable advice fee will be disclosed and agreed with you before you proceed with the advice.
Because I may receive remuneration from product providers or fees from clients, conflicts of interest may arise. I manage these conflicts by:
Giving priority to your interests
Following a documented advice process aligned with the Code of Professional Conduct
Disclosing the nature and amount of any applicable remuneration or advice fee at the time advice is given
Maintaining ongoing training, supervision and compliance oversight
As a financial adviser, I am regulated under the Financial Markets Conduct Act 2013 and must comply with the Code of Professional Conduct for Financial Advice Services.
This requires that I:
Put your interests first
Act with care, diligence and skill
Provide advice that is suitable for your circumstances
Communicate clearly and keep appropriate records
If you are not satisfied with my service, please contact me first so I can try to resolve the issue promptly.
Eric Zamora
Email: eric@ezfs.co.nz
Phone: 022 099 1463
If we cannot resolve your complaint, you may contact my independent dispute resolution scheme at no cost to you:
Financial Dispute Resolution Service (FDRS)
Phone: 0508 337 337
Email: enquiries@fdrs.org.nz
Website: www.fdrs.org.nz