We are not aware of any material limitations or restrictions on the scope of financial advice service we provide.  If these are identified, we will disclose them to you.  

How We Get Paid

We earn our income from either a fee or commissions earned from providers or a combination of both.

Fees and Expenses

Should you proceed with our financial advice and we arrange insurance for you, then a fee may be charged.

This fee will be based on the amount of work and time required to provide and implement our advice and will be shown on your invoice.

If we arrange insurance for you and you cancel it part way through the insurance period, we may keep some or all of that fee from any refund due to you by the provider.

We may charge a fee for making adjustments to your insurance during the insurance period. This fee will show on your invoice.

PSCCNZ retain a percentage of this fee for a range of professional services they provide to Maurice Trapp Group (Fire and General) Limited.  

Sometimes other fees are charged that do not relate to the financial advice such as credit card fees. If so, we will advise you of this in our recommendation.

Conflicts of Interest and Incentives

When we arrange insurance for you, the provider(s) ­may pay us a commission. The amount of the commission varies between providers and products and is based on a percentage of the Company Premium and Natural Disaster premium (if applicable).

If we arrange insurance for you and you cancel it part way through the insurance period, we may keep some or all of the commission from any refund due to you by the provider.

PSCCNZ retain a percentage of this commission for a range of professional services they provide to Maurice Trapp Group.

If a person or entity has referred you to us, we may pay them a percentage of the commission and/or fees we receive for their referral.

A financial adviser may have a conflict of interest in circumstances where financial advice has been provided to two clients who later have a dispute. If this occurs the financial adviser will disclose the conflict of interest to you and refer one client to another financial adviser for advice and assistance.

To ensure that our Financial Advisers prioritise your interests above their own, we follow an advice process that ensures our recommendations are made on the basis of the information you have provided and your unique circumstances.

We maintain a register of conflicts of interest, of gifts and any other incentives we may receive.

If we believe there is a conflict of interest – real or perceived – we will discuss this with you.

PSCCNZ and Maurice Trapp Group also undertake annual internal reviews to ensure compliance with these statements.

Premium Funding

Premium funding enables you to pay the insurance premium by instalments, rather than make a lump sum payment.

Premium funding companies charge interest and they take a power of attorney over your insurance policy. This means they have the ability to cancel your insurance policy if you fail to pay an instalment.

If you enter into a premium funding arrangement, the premium funding company will pay Maurice Trapp Group a commission as a percentage of the amount they fund. 

We will disclose the amount of this when we know the scope and nature of the advice you need and whether you want to pay by instalments.

Complaints Handling & Dispute Resolution

Please refer to our Internal Complaints Process that can be found here.

Duties Information

Maurice Trapp Group, PSCCNZ and anyone who gives financial advice on their behalf have duties under the Financial Markets Conduct Act 2013 relating to the way that we give advice.

We are required to:

• give priority to your interests by taking all reasonable steps to make sure our advice isn’t materially influenced by our own interests;
• exercise care, diligence and skill in providing you with advice;
• meet standards of competence, knowledge and skill as set by the Code of Professional Conduct for Financial Advice Services. These are designed to make sure that we have the expertise needed to provide you with advice.
• meet standards of ethical behaviour, conduct and client care set by the Code of Professional Conduct for Financial Advice Services. These are designed to make sure we treat you as we should and give you suitable advice.

This is only a summary of the duties that we have. More information is available by contacting us, or by visiting the FMA website here.

Identifying Information

Maurice Trapp Group (Fire and General) Limited (FSP733371, trading as Maurice Trapp Group is a Financial Advice Provider (FAP).

Our contact details are:

Phone:  09 630 5884
Email:
Address: PO Box 56-004, Dominion Road, Auckland 1446

Emma Marshall (FSP764132) is a Financial Adviser of Maurice Trapp Group and her contact details are:
Phone: 021 713 228
Email: 

Philippa McCann (FSP126284) is a Financial Adviser of Maurice Trapp Group and her contact details are:
Phone: 07 579 5921
Email:

James Morrell (FSP764011) is a Financial Adviser of Maurice Trapp Group and his contact details are:
Phone: 09 630 5884
Email:  

Kelly O’Connor (FSP673491) is a Financial Adviser of Maurice Trapp Group and her contact details are:
Phone: 021 870 944
Email: 

Gavin Taylor (FSP101744) is a Financial Adviser of Maurice Trapp Group and his contact details are:
Phone: 021 887 838
Email: 

Ignesias Tan (FSP604852) is a Financial Adviser of Maurice Trapp Group and his contact details are:
Phone: 09 630 58884
Email: