Disclosure

Lucid Advisory Limited (FSP1009721) is a Financial Advice Provider licensed by the Financial Markets Authority to provide financial advice. Our advisers operate under that licence when providing KiwiSaver, investment and financial planning advice.

Lucid Advisory provides personalised advice on KiwiSaver, investments and broader financial planning for New Zealand clients. We help you understand options, select suitable products and strategies, and review your plan as circumstances change.

We do not provide tax, legal or accounting advice. Where specialist input is required we will recommend you seek appropriate professional help.

How we are paid depends on the service. We will clearly explain any advice fees, implementation costs or ongoing charges before you agree to proceed. Some services may be supported by commissions or incentives from product providers — these are disclosed before personalised advice is given.

Lucid Advisory may receive commissions or other incentives from product providers. Our recommendations are based on your goals and circumstances, not on remuneration. We maintain a conflicts-management programme and review our advice process regularly.

There are no disciplinary actions, disputes resolution outcomes or reliability events concerning Lucid Advisory Limited that are required to be disclosed.