Disclosure
Background of Lucas
Lucas is married to Noela, we have a young family. Lucas is a keen golfer, and has over 13 years experience within the insurance & financial services industry. He is working towards being a qualified CLU and has passed by examination the following university papers:
- Business Financial Services
- Personal Risk Management
- The Life Insurance Certificate
- Introduction to Financial Planning
- The Financial Planning Process
- Financial Institutions Markets and Money
- Fundamentals of Investment
- Accounting Fundamentals
- Introduction to Economics
Continuing Education:
To give you the best possible advice it is my responsibility to remain up-to-date with any new developments in the industry. Especially changes in the legal and taxation environment and any other issues. Lucas reads an average of 2 hours per day to keep abreast of the latest business news and trends. He keeps a register of all the professional development courses attended and this exceeds 20 hours per year.
Dispute Resolution Facilities
Complaints should be directed to Lucas Remmerswaal. But if a satisfactory resolution cannot be found, you can contact: Newpark financial services, the insurance ombudsman, the securities commission, or the Institute of Financial Advisers who has a complaints resolution procedure.
Areas of advice:
Insurance
- Injury or Illness
- Income Protection
- Mortgage repayment
- Sudden death
- Trauma of hospitalization for medical or surgical treatment
Business Insurance
- Key person protection
- Shareholder cover
- Debt repayment
Lucas only gives advice in the subject areas set out above.
How we operate:
Our Seven Step Advice Process:
- We start with a letter of engagement to establish our relationship
- Next we give you a copy of our disclosure statement
- Start gathering data from you
- We analyse your data using InControl
- Then develop a plan
- Help you to implement your chosen plan
- Every 2 years we offer a review to monitor your plan in case your circumstances have changed
Products:
Insurance
AMP, Asteron, AXA, Fidelity Life, ING Life, and Sovereign.
Lucas is able to place business with each of the above list of suppliers and is not required to place any quota of business with any supplier or financial organization.
Disclosure:
I am a self-employed Adviser and I operate as a sole trader, I have not been:
- convicted of an offence under the Securities Markets Act 1998; the Investment Advisers (Disclosure) Act 1996 or the Securities Act 1978, or for a crime involving dishonesty;
- a director or principal officer of a body corporate that has committed an offence against the Securities Markets Act 1978 or of a crime involving dishonesty
- adjudged bankrupt;
- prohibited by an Act or by any Court from taking part in the management of a company or business;
- the subject of an adverse finding by a court in any proceeding taken against me in my professional capacity; or
- expelled from, or prohibited from being a member of the Institute of Financial Advisers.
Professional Associations:
Lucas is a member of the Newpark Financial Services "a good broker is the best insurance you can have" and the Northland Chamber of Commerce.
Money handling procedure:
Payments made by clients:
All payments made by you should be made by cheque, crossed "Non Transferable" and made payable to the particular product or service provider. Cheque(s) are then delivered to the particular product or service provider for processing according to your instructions. I do not operate a trust account for my clients, nor do I in any circumstances use clients' money or property for the benefit of any other person or myself.
Payments made to clients:
All monies payable to you will be paid directly by the particular product provider. Funds can be paid to you by cheque, posted to your nominated address, or by direct credit to your nominated bank account.
Lucas is able to place business with each of the above list of suppliers and is not required to place any quota of business with any supplier or financial organization.
Lucas is committed to providing you with a selection of some of the best available insurance solutions designed to grow and protect your assets, supported by a high level of quality advice.
