Disclosure statement

Last updated 13 October 2026

This page sets out the information I disclose to clients. You will also receive it, with the details specific to your engagement, before any regulated financial advice is provided.

Financial adviser and financial advice provider

Financial adviser

Luis Silva

Trading name

MoneyPlan

FSP number

FSP1009370

Email

[email protected]

Phone

+64 27 484 1467

Nature and scope of advice

MoneyPlan provides personalised financial advice and planning services to clients in New Zealand. Depending on the scope agreed with you, this may include advice relating to:

• personal financial planning
• cashflow and budgeting
• savings and investment planning
• KiwiSaver
• personal insurance
• retirement planning
• broader long-term financial strategy

Limitations and restrictions

My advice is limited to the areas described above and to the scope agreed with you. I do not provide advice outside that scope unless we both agree to expand the engagement.

If my advice is limited to particular products, providers, or strategies, I will disclose those limitations before giving advice.

If you need specialist legal, accounting, or other advice, I may recommend that you seek support from an appropriate professional.

I do not hold an insurance licence. Where your plan includes insurance, it is either applied for directly by you with the insurer, or referred to a licensed insurance broker partner, depending on your situation.

Fees and payment terms

MoneyPlan charges a fee for advice services. Current fees are published on the Packages page. Before I provide regulated financial advice, I will tell you:

• what fee applies to your engagement
• when the fee becomes payable
• how it is calculated, if it is not fixed in advance
• the payment terms

If any additional work falls outside the agreed scope, I will tell you the cost before proceeding.

Conflicts of interest and incentives

My aim is to give advice that is suitable for your needs and priorities. If I have any conflict of interest in relation to the advice I give you, I will disclose it.

Neither MoneyPlan nor I receive any commission, referral payment, or other incentive in relation to a recommendation. This includes any referral to a licensed insurance broker partner.

Duties information

When providing financial advice, I am bound by duties under the Financial Markets Conduct Act 2013. These duties include:

• meeting the standards of competence, knowledge, and skill set out in the Code of Professional Conduct for Financial Advice Services
• giving priority to your interests where there is a conflict
• exercising care, diligence, and skill
• meeting the standards of ethical behaviour, conduct, and client care required by the Code

Complaints process

If you are not satisfied with my service, please contact me first so I can try to resolve the issue promptly and fairly. I will acknowledge your complaint, consider it through my internal complaints process, and work with you to reach a fair outcome.

If we cannot resolve your complaint, you can contact my external dispute resolution scheme, which is free and independent. I am a member of the Financial Dispute Resolution Service (FDRS), membership number FM6843.

Scheme

Financial Dispute Resolution Service (FDRS)

Freephone

0508 337 337

Email

[email protected]

Website

fdrs.org.nz

Privacy and information use

To provide financial advice, I need to collect, hold, use, and disclose personal and financial information about you. Your information is used for purposes connected with:

• providing financial advice and planning services
• administering our engagement
• meeting legal and regulatory obligations
• any other purpose authorised by you or required by law

I handle personal information in accordance with the Privacy Act 2020. You may request access to your personal information and ask for corrections at any time by emailing [email protected]. My privacy policy explains what the website collects and who helps me handle it.

Reliability history

There are no matters required to be disclosed under the reliability history requirements as at the date of this disclosure.