Disclosure Statement

Last updated: 29 July 2026

Welcome

Thank you for considering Spectra Financial.

We believe financial advice is about more than money. It is about understanding what matters most to you and making financial decisions that support the life you want to live.

This disclosure provides information about Spectra, the advice we provide, how we are paid, and the protections available to you when receiving regulated financial advice.

Licensing Information

Spectra Financial Services Limited (FSP1009567) holds a licence issued by the Financial Markets Authority (FMA) to provide a financial advice service.

Financial advice is provided by:

Piet Witteveen

Financial Adviser (FSP1008452)

Spectra’s licence does not include any conditions that limit or restrict the advice that may be provided.

You can contact Spectra as follows:

Phone: 021 178 2700

Email: piet@spectrafinancial.co.nz

Website: https://spectrafinancial.co.nz/

Our Approach

At Spectra, we believe good financial advice starts with understanding what matters most to you.

We take the time to understand your goals, priorities and circumstances before exploring financial strategies and recommendations.

Together, we consider your options, the trade-offs involved, and the decisions that will best support the life you want to live.

Our role is to provide clarity, explore possibilities, and help you make informed financial decisions with confidence.

Nature and Scope of Advice

Spectra provides strategic financial planning and regulated financial advice tailored to your circumstances, goals and priorities.

Our advice may include:

  • Financial modelling and decision support

  • Retirement planning

  • Cashflow and budgeting

  • KiwiSaver

  • Investments, including managed investment schemes

  • Mortgages and lending structure

  • Personal insurance

For KiwiSaver and investments, we may provide recommendations on specific products and providers where appropriate. Our investment philosophy generally favours diversified, low-cost investment solutions, including index funds and passively managed funds.

For mortgages and insurance, our advice is strategic. We help you understand appropriate structures, strategies and levels of cover, but do not recommend specific lenders, mortgage products, insurers or insurance products.

What We Don’t Do

Spectra provides financial advice and guidance only.

We do not:

  • Arrange or implement financial products.

  • Submit applications on your behalf.

  • Recommend specific mortgage lenders, mortgage products, insurers or insurance products.

  • Hold client money or assets.

  • Provide legal, taxation or accounting advice.

Where implementation or specialist advice is required, we may recommend that you engage an appropriate professional.

Fees

Spectra operates on a fee-only basis. Clients pay us directly for the advice and services we provide.

Fees may be charged as fixed fees for defined advice engagements or ongoing service fees for ongoing advice services.

Fees are payable when you engage Spectra to provide advice or ongoing services. Applicable fees are agreed with you before services are provided.

Further information about our fees is available on our website: https://spectrafinancial.co.nz/our-approach#pricing

Commissions, Incentives and Conflicts of Interest

Spectra operates on a fee-only basis and does not receive commissions, referral fees, incentives, gifts or other benefits from financial product providers.

Our advice is paid for directly by clients and is focused on their circumstances, goals and priorities.

If a conflict of interest arises, we will disclose it and take appropriate steps to manage it.

Complaints Handling and Dispute Resolution

If you are not satisfied with our advice or service, please contact us first so we can work to resolve your concerns.

Spectra Financial Services Limited

Phone: 021 178 2700

Email: piet@spectrafinancial.co.nz

If we cannot resolve your complaint, you can contact our external dispute resolution scheme:

Insurance & Financial Services Ombudsman Scheme (IFSO)

Website: www.ifso.nz

Phone: 0800 888 202

Email: info@ifso.nz

IFSO provides a free, independent dispute resolution service that may help investigate or resolve your complaint.

Duties Information

Spectra Financial Services Limited and any person providing financial advice on our behalf are bound by duties under the Financial Markets Conduct Act 2013 to:

  • Meet the standards of competence, knowledge and skill set out in the Code of Professional Conduct for Financial Advice Services.

  • Give priority to clients’ interests.

  • Exercise care, diligence and skill.

  • Meet the standards of ethical behaviour, conduct and client care set out in the Code of Professional Conduct for Financial Advice Services.