Scope of Service


Personalised Financial Advice

National Capital is not a KiwiSaver provider. We are Financial Advisers specialising in KiwiSaver & Investment research and provide personalised financial advice. We help our clients select an appropriate KiwiSaver provider and fund which suits their personal requirements and financial situation. Our research covers more than 100 KiwiSaver funds from over 12 different KiwiSaver Schemes.

Limitations of our service

As part of our advice process, we will ask you questions about any assets or liabilities you have outside of KiwiSaver. We take this information from you, so we can use it to calculate what returns you will need from your KiwiSaver account. Generally, we cannot give you advice on the specific assets and liabilities you let us know about and our advice is limited to only how to structure your KiwiSaver investment.

You may and most probably will have other financial advice needs which we are unable to provide at this moment via our online service.

We are unable to provide you advice on the following topics

  • Debt management
  • Cashflow management
  • Mortgage lending
  • Goal setting
  • Retirement planning (other than KiwiSaver)
  • Investment advice (other than KiwiSaver)
  • Personal risk insurance
  • General estate planning
Because we have not provided you with advice on the above areas, what we recommend may not totally integrate into your overall financial position. This means that the recommendations provided in this document are in isolation to your other financial affairs. This may mean that your other financial affairs may not totally integrate into the advice we provide you.

Please let us know if you would like financial advice in any of the above areas. In certain circumstances, if we are able to help or advise you on anything other than KiwiSaver, we will inform you of that.

At the start of this process, we advised you that our service is exclusively for giving you advice on your KiwiSaver account. 

Limitations of our data gathering

Our advice is based solely on the information you provide us via our digital fact find. We are unable to verify the accuracy of the information you provide us, including your assessment of your expected retirement expenses. Therefore, if the information you have provided is inaccurate, the advice we provide might not be suitable for your actual circumstances. 

Limitations of our research

There are more than 25 KiwiSaver providers with 250+ KiwiSaver funds among them. Currently we work with only 12 KiwiSaver providers and our research covers approximately 100 funds which they run. Other KiwiSaver providers including your current one might have a fund which suits your requirements and has had a better past performance than the fund we recommend. However, the number of funds we are able to research is large enough to give you a recommendation that is suitable for you to achieve your goals. Please click here for our updated Investment Selection Process and the list of all providers we have taken into consideration.


Important Disclosure Information

Licensing Information: National Capital is a Registered Financial Service Provider (FSP639129). We are a NZ owned and operated company based in Auckland and supervised by the Financial Markets Authority (FMA).

Nature and scope of the advice: Our service is primarily in advice around their KiwiSaver investments, however we may also provide bespoke Investment & Financial Planning advice to certain clients from time to time. In addition we may offer Insurance and Mortgage advice via our partners. The business primarily includes the provision of advice, guidance, opinions, recommendations, implementation and review relating to KiwiSaver.

Fees: Our services are paid for by the fees that you pay as well as in other ways. There are situations in which we will be paid by other organisations. How much that payment will be depends on the decisions that you make. There is no contractual requirement or quota in place for National Capital Limited to recommend certain supplier products or services.

Conflicts of interest and incentives: Being paid a commission by a provider we recommend creates a potential conflict of interest between you and us. We could be tempted to recommend a fund simply because it pays us a higher commission. The way we deal with that at National Capital is by being a 100% transparent with you. In addition we manage any conflicts of interest that may arise from the receipt or possible receipt of the above types of remuneration in the following ways

  • National Capital does not have any prescribed quotas or similar arrangements that require a minimum proportion of sales be placed with a particular provider.
  • We are required to follow an advice process whereby client needs and objectives are identified and product recommendations are made on the basis of those needs.
  • We must disclose and explain any perceived or potential conflicts of interest to each client when completing the advice process with that client.

Complaints handling and dispute resolution: If you have a problem, concern, or complaint about any part of our service, please tell us so that we can try to fix the problem. You may contact Clive Fernandes, director of National Capital by emailing

If we cannot agree on how to fix the issue you can contact Financial Services Complaints Ltd. This service will cost you nothing, and will help us resolve any disagreements.

You can contact Financial Services Complaints Ltd at:

Address: FSCL, Level 4, 101 Lambton Quay, Wellington 6011, or
FSCL, PO Box 5967, Wellington 6145
Telephone number: 0800 347 257
Email address:

Duties information: Our advice must meet legal duties to meet standards of competence, knowledge and skill in the Code of Conduct; give priority to the client’s interests; exercise care, diligence and skill; and meet standards of ethical behaviour, conduct and client care in the Code of Conduct.

Contact Details:

Physical Address: 46A Gill Avenue, Te atatu Peninsula, Auckland 0610
Mailing Address: PO Box 2134, Shortland Street, Auckland 1011
Phone: 0210 499 703