Articles tagged with 'Disclosure'
29 October 2021 - A life and health insurance adviser has agreed to pay $1000 in compensation to a client who complained to Financial Services Complaints Ltd that she had not been adequately advised about the risks of non-disclosure.
19 April 2021 - How's that strange new world looking, different or much the same?
15 April 2021 - As the Financial Sector (Climate-related Disclosures and Other Matters) Amendment bill is introduced to Parliament, one expert believes advisers have a key part to play in bringing it into the public consciousness.
22 March 2021 - Advisers will need to do a better job of explaining their no-fee, no-obligation model under the new regulatory regime, according to adviser Hamish Patel.
18 March 2021 - Insurance advisers are being warned to clearly disclose all fees and charges after one broker was caught adding $34,000 of additional charges to a client’s policies over a period of three years.
18 January 2021 - Mortgage advisers must clearly disclose clawback agreements with clients, industry leaders say, as disputes on the topic continue to emerge.
16 November 2020 - Advisers need to be aware not just of conflicts of interest, but also perceived conflicts.
2 November 2020 - Mark Banicevich and David Greenslade speaking at an FSC webinar said that some businesses will need to make big changes to meet new disclosure requirements come March 15.
25 September 2020 - After 18 months supervision of the financial sector, the FMA is calling for improvements to governance and compliance.
28 August 2020 - New Zealand’s financial services sector raised concerns about disclosure regulations resulting in a larger volume of repetitive disclosure that could be difficult for clients to digest, submissions show.
6 July 2020 - Advisers' requirements to disclose what they're paid under the new financial advice regime will centre on what clients might consider a material influence.
25 June 2020 - Tweaks to the disclosure regulations for financial advisers will make the rules more workable, industry participants say.
11 February 2020 - Commerce Minister Kris Faafoi has promised the financial services sector there will be no more big announcements this year.
4 December 2019 - The onus of disclosure will shift to insurers under new rules revealed for the insurance sector.
14 November 2019 - More information is required on what conflict of interest disclosures will be required of advisers in vertically integrated organisations, adviser group SiFA says.
13 November 2019 - More clarity is needed on when someone counts as a client under the new financial advice regime, Financial Advice New Zealand says.
11 October 2019 - Clients will have to be clearly told what fees they are likely to pay, and what commissions an adviser will receive, under draft disclosure regulations revealed by the Government this week.
16 May 2019 - A financial adviser who breached the Code of Conduct by skimping on client medical histories in insurance applications has learnt the fate.
18 March 2019 - Advisers need to give their clients information about commissions or other advice incentives that have the potential to influence the service they receive, the Commerce Minister says.
12 March 2019 - A cabinet paper released today outlines what the Government wants included in disclosure requirements for financial advisers.
20 November 2018 - The Ministry of Business, Innovation and Employment says more details about disclosure requirements for financial advisers will be available in early 2019.
16 July 2018 - With the onset of regulation and the discussion around disclosure, where MBIE is looking to not have a full disclosure document.
12 July 2018 - A principles-based disclosure regime could end up costing consumers, an academic has warned.
2 July 2018 - Insurers expect little to change if advisers are required to disclose to their clients what commissions they are paid.
15 June 2018 - Advisers working for vertically integrated product providers should be required to disclose all the money the organisation could make from each product recommendation, right up the value chain, it has been argued.
31 May 2018 - Advisers should be required to declare the cost the adviser distribution channel adds to what clients pay for financial products, not the commission the advisers themselves receive, Financial Advice NZ says.
16 May 2018 - Incentive trips are not, it turns out, the sole preserve of insurance advisers.
11 April 2018 - Investors have told the Financial Markets Authority (FMA) there is still room to improve product disclosure statements (PDS).
10 April 2018 - Government officials are suggesting all advisers make publicly available information about the fees they charge and the commissions they receive, so consumers can choose who they want to deal with.
22 March 2018 - Insurers are supportive of stricter disclosure requirements for financial advisers.
23 February 2018 - New disclosure rules for financial advisers will need to be flexible enough to work in a range of situations, the Ministry of Business, Innovation and Employment says.
19 December 2017 - The Ministry of Business, Innovation and Employment wants to see consultation papers on the regulation of financial advice issued within the first 100 days of this government's term.
18 December 2017 - A Government-run KiwiSaver scheme would have an unfair disadvantage that could push other providers out of business.
7 December 2017 - The Government has pushed the go button for significant reforms to how financial advice is delivered in New Zealand. This evening the Financial Services Legislation Amendment Bill has had its first reading in Parliament and now goes to Select Committee.
29 November 2017 - He's only been approved to offer personalised DIMS for just over two years, now adviser Alistair Bean faces more uncertainty.
27 November 2017 - New Commerce Minister Kris Faafoi says he’s less worried about whether New Zealand has enough financial advisers to cater for the population – and more whether the financial advisers it has are putting their clients first.
22 November 2017 - A client whose policy was avoided because he did not disclose health issues is a reminder to advisers that completing insurance applications on behalf of clients can be risky, the Insurance and Financial Services Ombudsman says.
17 November 2017 - Work is progressing on the exemption that will allow personalised roboadvice, or digital advice, in New Zealand. But one law firm says it's a case of "better late than never".
7 November 2017 - Advisers who are not members of a professional association risk becoming disengaged or missing out on important information about the upcoming advice regulation overhaul, the Financial Services Council says.
11 October 2017 - Relationships between mortgage advisers and real estate agents are being questioned by Consumer NZ, which is concerned about financial kickbacks.
26 September 2017 - Whistle-blowers are set to lose some of their identity protection when the new financial adviser legislation comes into force.
22 September 2017 - Andrew Kelleher - financial adviser, wealth manager... hole-digger?
21 September 2017 - Financial advisers who did not explain their terms of business, in particular their fees, who did not action client requests to change or cancel policies, and issues of disclosure were some of the most common causes of complaints about advisers over the past year, IFSO says.
22 August 2017 - New product disclosure statements that were meant to be easier to understand still contain a large number of specialist financial terms, researchers say.
11 August 2017 - Binu Paul is known in the industry for his fresh approach to the application of technology in financial services. But did you know about his plans to dabble in fashion?
26 July 2017 - A jump in the number of complaints about financial advisers has prompted Financial Services Complaints Ltd to warn advisers to take care with their record-keeping and communication with clients.
19 July 2017 - Murray Weatherston, a founding member of SIFA, talks to us about the Financial Adviser Review Act, where it’s going and some of his thoughts on it.
18 July 2017 - Investors and financial advisers are being told they should not be afraid to put pressure on companies to get them to report information in a way that is useful to them.
13 July 2017 - A former registered financial adviser who forged clients’ initials and falsely amended insurance applications has been sentenced to 150 hours of community work, six months' community detention and ordered to pay reparations of $16,461.24.
6 July 2017 - David Whyte argues other countries have already tackled the question of what to disclose on insurance application forms - and it's time we caught up.
4 July 2017 - First-hand adviser input will be critical for the working group tasked with developing the new code of conduct for financial advisers, the group’s chair, Angus Dale-Jones, says.
3 July 2017 - Insurers have work to do to better comply with their disclosure requirements, the Financial Services Council says.
27 September 2016 - Investors and advisers are still being kept in the dark about significant components of fund managers’ fees, it has been claimed.
21 July 2016 - The offer of a so-called “super-salary” to a former Diversified Investment Strategies’ director was not intended to justify a lower sale price for the business, the purchaser has told the High Court.
15 July 2016 - The sale of Diversified Investment Strategies Ltd (DISL) occurred for lower than the market rate and with greater risk for the vendors, according to an industry expert.
12 July 2016 - Fractitious break down of Diversified Investment Strategies ends up in High Court, amid allegations of non-disclosure and breach of duty.
5 May 2016 - Failure to disclose all the required information to mortgage borrowers could cost lenders, the Commerce Commission has warned.
27 April 2016 - [UPDATED] Financial service providers agree standardised disclosure documents would help the advice industry– but what they should say and what they might look like is still a matter for debate. (Now with link to Share Submission)
3 August 2009 - Financial advisers will be unable to operate through limited liability companies under the new regulatory regime and will become personally liable for any financial advice they give.
3 July 2009 - The glut of documents requiring submissions on the regulation of financial advisers could impact on the level of diligence, according to the Institute of Financial Advisers.
2 July 2009 - The Securities Commission has called for submissions on disclosure regulations for financial advisers in the latest round of papers on the legislation.
All tags:
A newsletter a2 Milk AA Finance AA Health AA insurance Absolute Returns ACC Accessibility accountants Accuro Acenda ACI Active v Passive Active+ actuary Acumen Adam Boyd Adrian Durham Adrian Orr Adrienne Church advertising Advice First Advice Link advice risk adviceHQ Adviser Business Compliance Advisers Aegis AFA affordability aggregation aggregator AI AIA AIA Apollo Airbnb Alison O’Connell Alistair Bean Alister Van Der Maas Allen Yeo Allianz Partners Alpha First Alvarium Wealth AM Best AML AML/CFT Act AMP AMP Capital AMP Life AMP Wealth Management Amplifi Group Ando Insurance Group Andrew Barnes Andrew Bascand Andrew Bayly Andrew Dixson Andrew Inwood Andrew King Angel Association Angel Investors Angus Dale-Jones Anna Scott annual report Annuitas annuities Anthony Edmonds Anthony Halls Anthony Healy anti-social behaviour Antipodes Antonia Watson ANZ ANZIIF ANZIIF awards Aon Aon Hewitt Aoris Apartments Apex Group APIA Apostle Funds Management APRA Apricity Apteryx Ares Ark Invest Arrow Finance artificial intelligence ASB Asia ASIC assault asset allocation Asset Finance ASSET Magazine Asteron Astute ASX ASX 100 Auckland Auckland Council Auckland Health Services Augusta Aurora Capital Aurora Financial Aussie Home Loans Avanti average price awards BAA Bagrie Economics Bancassurance Bancorp Treasury Services Bank of China Bank Profit Bankers Associaton banking ombudsman banks Barbara Chapman Barfoot & Thompson Barry Coates Barry Kloogh Barry Read Basecorp Bath Street Bayleys BCA BDM Ben Kelleher Bennelong Bentham Asset Management Bernie McCrea BetaShares Better Business Conference Bevin Graham bitcoin Bizcap Blackrock Blackstone Blackwell Global Blair Turnbull Blair Vernon Blanket blockchain Bluestone BNP Paribas BNZ Boardpro body corporates bonds Bonus Bonds Books for sale Booster Booster Foundation Booster Savvy Bradley Nuttall Bravura Brent Sheather Brexit Brian Gaynor Brian Klee Bridgecorp Bridget Unsworth bridging finance Bright-line test BritanniaNZ Bronwyn Kirwan Bruce Bodley-Davies Bruce Kerr Bruce McLachlan Bruce Patten BT Funds BTR Budget build to rent building burnout business finance guarantee scheme Business for sale business insurance Business lending business management CA ANZ camelot Cameron Bagrie. Campbell Hastie Campbell Mitchell Canstar Canterbury Canterbury Mortgage Trust capital gains capital gains tax capital markets carbon intensity carbon offset CareHQ Caresaver Carey Brunel cash flow Castle Point Castle Point Funds Management Catherine McGrath CBRE CCCFA Census Centastone Centrix Century 21 Century21 CERT NZ CFA CFFC CFML CFP CFT CGT Challenger Chapman Tripp charity Chatswood China Chris Douglas Christian Hawkesby Christian Savings Christopher Luxon Chubb Churn Cigna CIMA CIO claims Claire Matthews Clarity Funds Management Clayton Copplestone client engagement client first Climate Change climate risk reporting Climate Venture Capital Fund Clinton Stanger CLU CMC Markets CMFL co-op money Co-operative Bank Code Code Committee Code Working Group CoFI CoFR Colliers ComCom Commentary Commerce and Consumer Affairs commerce commission commercial property Commission Commission for Financial Capability communication Community Finance Compass Life complaints complectus compliance Compliance Refinery conduct confidence consents Consilium Constellation Capital construction consultation Consumer CoreLogic coronavirus cost of living council Council of Financial Regulators court Cove Insurance Covid-19 CPA CPD CPI Craig Wagstaff Craigs Investment Partners credit suisse Cressida Critical illness insurance crowdfunding cryptocurrency CU Baywide Culture and Conduct Curated Risk currency custody Customer Outcome Matrix Customer Outcomes cyber security Dai-ichi Life Daintree Dale-Jones damage damage liability Darren Gannon Darren Howlin data right data security David Beattie David Boyle David Callanan David Clark David Cunningham David Greenslade David Haak David Hisco David Ireland David Pine David van Schaardenburg David Whyte DDoS de Vere Dealer Groups Dean Anderson Dean Hegarty decumulation default funds Deloitte Delta demand Deutsche Bank developers Devon FM Devon Funds Di Papadopoulos digital investment digital lending Dimensional Funds DIMS Disability insurance Disclosure Discovery Funds disputes disruptive innovation diversified income funds Diversified Investment Strategies diversity Dominick Stephens Donald Trump Donna Nicolof Dosh DTIs Du Val Group Dundas duty of care Dylan Mann earthquake strengthening Easy Crypto EBT Capital Economic Growth Economists economy Edge Mortgages education EFT election Elevation EMA emerging trends EQC equities Equitise equity release ESG estate planning ETFs ethical investments ethics Europe Exchange-Traded Fund FADC Fairway FAMNZ FANZ FANZ annual conference FAP FAP Services FAPO FASEA FATCA FBAA FEC Federal Reserve fees FEI FGG Fidelity Life Fiducian File Invite FileInvite Finance and Expenditure and Primary Production Finance and Expenditure Committee finance companies Financial advice Financial Advice New Zealand Financial Advice NZ annual conference financial advisers Financial Advisers Act Financial Advisers Act 2008 financial capability Financial Disputes Resolution financial hardship financial literacy financial market infrastructures Financial Market Infrastructures Bill Financial Markets Financial Markets Conduct Act financial resilience Financial Services Council Financial Services Legislation Amendment Act Financial Services Legislation Amendment Bill Financial Services Ombudsman Scheme Findex Finergy Finfluencers FINSIA Finsure fintech Fintechs Finzo first home buyers First Mortgage Trust First Sentier Investors First State First Union Fisher Funds Fitch Fixed interest fixed rate mortgages Flint floating rate mortgages FMA FMG FMOY FMT FNZ FNZC Footprint Forecasts foreign investment Forex Forsyth Barr Foundation Advice Foundation Life Foundation North Foundry AM FoxPlan FPSB fraud Fred Dodds FSC FSCL FSF FSI FSLAA FSLAB FSPR fund liquidity Fund manager of the year Fund manager of the year 2020 fund performance funds management FundSource Funeral insurance FX Gail Costa Gareth Fleming Garrison Bridge Gavin Austin Gavin Dixon GBST GDP Gender gap General Finance Generate Geneva Geoff Bascand geopolitical George Carter George Kerr Getting to Know GFNZ Gisborne Global Financial Services Global Investors global markets Global Pacific GMI Go Lend gold Goldband goldman sachs Good Customer Outcomes government GRA Graeme Wheeler Grant Robertson Grant Willis green investment greenwashing Greg Boland Grosvenor Financial Services Group insurance GRTV GST Guardian Trust guidance Hamilton Hindin Greene Hamish Douglass Hanover Harbour Asset Management Harmoney Hatch Haven Hawkes Bay health insurance healthy homes Heartland heat pump Heathcote heating Helen Skinner HER HFANZ high-risk investment Hobson Wealth home equity release home loans Honours Hotel house insurance house prices housing market Housing rules housing shortage housing supply HSBC Hubbard Hugh Stevens Hunter Hall Hunter Investment Management hybrid IAG Ian Harrison ICBC ICSL IDS IFA IFRS 17 IFSO Ignite iLender IML Impact Enterprise Fund Impact investing Implemented Investment Solutions IMT incentives Income Protection indemnity insurance index funds industrial property Infinz inflation Infometrics Infrastructure ING initio innovation Instant Finance insulation insurance Insurance Advisers Insurance Contracts Insurance Council NZ insurance law Insurance People InsuranceLink insurer solvency insurers Insync Funds Management Integrated financial product integrated reporting interest rates interest-only mortgages Interview investment investment advice Investment Adviser Investment Centre investment fund investment manager InvestNow investor confidence investor lending investor profile Investors Invsta Inzpec IOOF iPartners IPO Ipsos IRD IRESS iSelect ISG ISO IWIinvestor Jack Regan Jacob Sun Jacqui Dean James Greig James King James Shaw Jane Wrightson Janine Grainger Janus Henderson Jarden Jarrod Kerr JAVLN JBWere Jeff Page Jeff Royle Jen Baird Jenny Campbell Jerome Powell JLL JMI Wealth JMIS Jobline Jobs Joe Halapua John Berry John Body John Bolton John Botica John McDermott Jon-Paul Hale Jonathan Beale Jordi Garcia JP Morgan Juno Kāinga Ora KAN Kaplan Karen Chang Karen Silk Karty Mayne Kat Church Katrina Church Katrina Shanks Keith McLaughlin Kelvin Davidson Kensington Swan Keorangi Kepa Kepler Kernel King Tide Kingfish Kiwi Adviser Network kiwi wealth Kiwibank KiwiBuild KiwiSaver KiwiSpend KiwiWrap Konnect Net Kōura Wealth KPMG Kris Ballantyne Kris Faafoi Kris Pedersen Lance Walker landlords Lawyers LBA leaky homes leases legacy products Legacy Trust Legg Mason legislation lemmi Lending Lending Crowd LendMe letting fees level five Level Premium LFG Liam Mason Liberty licensing Life insurance LifeDirect lifestages Lifetime Line Capital Link Advisory Link Financial Group Link Home Loans Link Market Services Liquidations liquidity Lisa Turnbull listed property Listed trusts listings LM Investment Management Loan Market lockdown lockdown opportunities Lockton locum Loss of earnings LVR Macquarie Macro Prudential Tools MACs Magellan Makao managed funds Maple-Brown Abbott Marie Quinn Mark Darrow Mark Lister Mark Solomon Mark Wilson Market Close Market Manipulation market outlook marketing Markets Marsh Martin Hawes Mary Jo Vergara MAS Massey University Massey University\ Matt Macpherson Matt Whineray MBIE MDRT median price median rents medical insurance Melanie Purdey Melissa Cantell Melissa Vasta Mental health Mentoring Mercer mergers and aquisitions Merx methamphetamine MFAA MFS Michael Cullen Michael Lang Michael Naylor Michael Reddell Michael Weston Michelle Vaughan Micro-investing Midlands Mortgage Trust migration Mike Bignall Mike Frith Mike Jones Mike Moore Mike Pero Mike Taylor Milestone Milford Asset Management millennial investors Milton Jennings Mindful Money minimum standards Mint Asset Management Minter Ellison Rudd Watts MJW MJW Report MLC Wealth MMC MoBIE Model portfolios money week Moodys Morningstar Mortgage Advisers Mortgage Connect mortgage delinquencies Mortgage Express mortgage holiday Mortgage Lab Mortgage Lending Mortgage Link Mortgage People Mortgage Rates Mortgage Supply mortgage terms mortgaged investors mortgages Mosaic Movember MPs MSCI MTF multi-unit property MunichRe Murray Weatherston MyFiduciary mySolutions NAB Nadine Tereora Naomi Ballantyne National Capital NBDTs Neon Nest Home Loans new build new build exemption new build lending new listings new regime New Zealand Initiative Newpark Newton Ross Ngāi Tahu nib Nick Goodall Nick Hakes Nick Stanhope Nick Tuffley Nigel Tate Nikko AM nominated representatives non-bank lenders non-disclosure Norman Stacy Northern Trust NZ Funds NZ Home Loans NZ Income Insurance scheme NZ Super NZ Super Fund NZ Superannuation NZAM NZBA NZBritannia NZCFS NZCGP NZCU Baywide NZFSG NZGIF NZHL NZI NZIER NZIG NZIIS NZMS NZPIF NZQA NZSA NZX NZX Wealth Technologies NZXWT Obituaries OCR OCR forecasts OCR preview Octagon Octagon Asset Management OECD office space OMNIMax OnePath Open Banking Open Finance Opinion Opteon P2P PAA PAA Holiday Homes Pain and Gain Report parliament Partners Life partnerships Passive Pathfinder Pathfinder Asset Management Paua Wealth Paul Brownsey Paul Conway Paul Glass Paul Goldsmith Paul Gregory Paul Huxford Paula ter Brake PDS Pearlfisher Capital Peer to Peer Lending Pencarrow pension transfers people Pepper Money Performance fees Perpetual Guardian Peter Lee Peter Leitch Petra Lucioli PGC Pharmac Phil Twyford Philantrophy PI PIC PIE pie funds PIMCO Pinnacle Life Pioneer Capital Pivotal Planet planning platform Platinum Asset Management Plus 4 Plus4 Insurance PM Capital PMG Podcasts policy ownership politics ponzi Pope & Co population growth portfolio monitoring PPS Mutual PreferredNZ Premia Partners premiums PRI price fixing price growth prime lending privacy Private equity private funding private pensions pro-bono Productivity Commission Professional Advisers Associations Professional Development professional indemnity Professional IQ PROMINZ Property Council property development Property Institute property investment Property Listings property management property syndicate property valuers property values proptech Prospa Prosper Group protection gap Prudential regulation Public Trust PWA PwC Pzena Q Group QBE QE QFE QROPS QSBO Quadrant PI qualifications quality mark QuaySt Quest Insurance Quotemonster QV RaboDirect Ralph Stewart Ratebroker rates Ratings RBNZ real estate Real-iQ Realestate.co.nz Rebecca Thomas recession record-keeping recruitment redundancy cover Reeta Anthony Refer Direct regional review registered financial advisers regulation REINZ Remarkable Capital renovation rent control rental market rental returns rents replacement business research Research IP Reserve Bank residential property RESIMAC resolution institute Resolution Life resource consent responsible investing Responsible Investment Association Responsible lending retail investment retirement Retirement Commissioner Retirement Income Group Retirement Savings returns reverse mortgages revolving credit RFA Rhiannon McKinnon RIAA Richard James Richard Klipen Richard Klipin RIIG Ringa Hora risk risk analysis risk management risk profile Rival Wealth RMA Rob Everett Rob Flannagan Rob Hennin roboadvice Rod Severn Rosemary Hassan Rosewill Consulting Ross Asset Management Ross McEwan Rothbury Royal Commission RTA Rupert Carlyon rural investment Russell Hutchinson Russell Investments Ryan Edwards S&P S&P Dow Jones Sabrina Delgado sales activity Salt Salt AM Sam Dickie Sam Stubbs Sam Tremethick Samantha Barrass Sarah Vrede Sarah Wood Sargon Satish Ranchhod Saturn Savings SBS scam Scholarship ScotPac Scott Alman securitisation security Select Home Loans Select Investments Select Wealth self-employed lending Senior Trust Sentro serious fraud office Share share markets Sharecare Sharesies Sharetrader Shariah Sharon Zollner Sharron Botica Shaun Drylie sidecar savings SiFA Silverfin Simon Angelo Simon Botherway Simon Fisher Simon Hassan Simon Manning Simon Power Simon Rolland Simon Tohill Simon Tong Simplicity single adviser FAP Situations Vacant Smart Smartshares SME SME lending Snowball SOA social media Society of actuaries soft commission Sorted SOS Southern Cross Southern Cross Healthcare Southern Cross Partners Sovereign Spicers SPIVA Sponsored Content Squirrel Squirrel Mortgages SRI Stake Startup Advisors Council Stats NZ Steffan Berridge Stephen Bennie Stephen Jonas Stephen Massey Stephen O'Connor Steve Burgess Steve Jurkovich Steve Wright Stewardship code Stewart Group Stewart Investors Strategi strategies Strategy Financial Stuart Johnson Stuart Smith succession Sue Brown Sue Walker suitability Summer Suncorp Super City Mortgages superannuation Superlife SuperRatings supply Susan Peterson Susan St John Susan Taylor Sustainability Sustainable Business Network Sustainable Finance Forum Swiss Re Symon Brewis-Weston syndicated property investment syndicates Synergy T Rowe Price Tahi LP Tahito TAP tax tax working group TCFD TCIT tech innovation technology tenancy reform Tenancy Services Tenancy Tribunal tenants term deposits term out Terry Moore TFAS The Advice Group The Advice Hub The Adviser Platform The Answers The Aotearoa Circle The Co-operative Bank The Mortgage Lab The Wrap Thom Bentley Tiger Tiger Fintech Tim Fairbrother Tim Grafton TMM TMM OCR Preview Survey TMM Opinion TMM people Tony Alexander Tony Hildyard Tony McCombs Tony Mount Tony Vidler Totara Wealth Management Tower Insurance Tower Life TPD Trade Me Property Trail trail commission Trauma Travel insurance Treasury Trends Trevor Slater Triple A TripleA triplejump Trusted Adviser trustee Trustee Partners Trustees Executors trusts TSB turnaround times Turners UDC UHNWIs UK Pension Transfers Underwriting unemployment UniMed Unit Titles Unitary Plan UNPRI urban development US USA Valocity valuations value growth Van Eyk Vanessa Rayner Vanguard Variable Annuities venture capital vertical integration VFM Vincent Capital Vitality Vittoria Shortt volatility Volo VR vulnerability wage wage subsidy Warren Couillault wealth management platform Wealth Technologies Wealthpoint Weapons investment Webinars Wellbeing Wellington Wellness Westpac wholesale Wills women workplace savings nz Wrap Platforms WRF WSNZ Xceda XFrame Xplan yield Youi young investors Zagga Zanoma Zenith ZIP