The Burrow Limited – trading as Gladwell Financial, is a registered Financial Advice Provider (FSP1008333). We hold a Class 2 Licence issued by the Financial Markets Authority, which authorises us to provide financial advice.
Contact Details:
P: 021 289 0710
E: ben@gladwell.co.nz
W: www.gladwell.co.nz
A: 34b Rosario Crescent, Red Beach, Auckland 0932
We specialise in offering clear, practical, and tailored financial advice. Our approach is built around understanding your individual circumstances, goals, and preferences. From there, we help you put that advice into action and continue to support you along the way. We’re here for the long run and want to be part of your financial journey now and in the years to come.
Gladwell Financial offers regulated advice in the following areas:
• Life, Personal Risk & Health Insurance
• KiwiSaver
• Investments
We provide advice only on financial products from selected providers.
Our insurance partners include: AIA, Chubb Life, Partners Life, Nib, Fidelity Life, Asteron Life
Our KiwiSaver partners include: Booster, Generate, NZ Funds, Milford, Pathfinder
We provide advice on Insurance and KiwiSaver products offered by the providers listed above. When advising you, we will only consider existing term life policies. We do not offer guidance on whole of life or endowment policies—if you require assistance with those, we recommend speaking with a specialist in that area.
As outlined, the scope of our advice is limited. We will not advise on products that fall outside our qualifications or expertise. If we believe your needs would be better served by another adviser or professional, we will let you know and can refer you accordingly.
There is none. Neither Gladwell Financial nor any member of our team has been involved in a reliability event. A reliability event is something that could reasonably impact your decision to engage with us—such as legal proceedings, or a director or senior manager having been recently discharged from bankruptcy. We have never faced disciplinary action, dispute resolution, or claims of negligence.
If you decide to take out an insurance policy or join a KiwiSaver provider after receiving our advice, Gladwell Financial will receive a commission from that product provider.
Part of this commission covers our operational costs and overheads, with the remainder going to our advisers as earnings.
Occasionally, product providers may also offer non-cash rewards such as tickets, hampers, or meals as recognition for business volume.
We also maintain referral relationships with other businesses, which may result in us receiving a flat fee or a commission percentage. Referrals are only made upon your request, and any incentives will be fully disclosed.
Some of the services we offer are fee-based, particularly where there is no commission from third parties. This includes:
• Investment advice unrelated to KiwiSaver
If a fee is applicable, we will have a detailed discussion with you at the appropriate time.
At Gladwell Financial, client interests always come first. Our advice process is designed to ensure that our recommendations align closely with your specific goals and situation.
All of our financial advisers regularly receive training on identifying and managing conflicts of interest, including any gifts or incentives received.
We also conduct regular internal audits to make sure our advice is compliant, consistent with our values, and of the highest quality. Additionally, our compliance framework is reviewed annually by an external specialist to ensure it meets industry standards.
Most importantly, we are committed to long-term client relationships. We believe that putting clients first leads to better outcomes for everyone—and it’s how we’ve built our business.
If you have any concerns or issues with the service you’ve received or with any recommended financial products, we encourage you to contact us directly so we can try to resolve things promptly. You can lodge a complaint verbally or in writing to:
Ben Gladwell
ben@gladwell.co.nz
021 289 0710
We will make every effort to address your concerns quickly. If we are unable to resolve the matter to your satisfaction within a reasonable timeframe, it will then be considered a dispute.
Dispute Resolution Process:
• If a complaint becomes a dispute, please let us know so we can formally acknowledge it.
• We will respond in writing with details of our internal process, expected timeframes, and your rights to use an external Disputes Resolution Service at any point.
• If resolution is not achieved, you may also approach the relevant product provider directly through their internal complaints process.
• If these steps don’t resolve the issue, you can then contact our external dispute resolution service:
Financial Dispute Resolution Service
Email: enquiries@fdrs.org.nz
Phone: 0508 337337
Postal Address:
Freepost 231075
PO Box 2272
Wellington 6140
You may also contact the Insurance & Financial Services Ombudsman, which we are a member of and whose decision we are bound by. You may choose whether or not to be bound by their decision. This service is free of charge and offers an alternative path to legal action.
Insurance & Financial Services Ombudsman
Email: info@ifso.nz
Phone: 0800 888 202 (toll-free)
Address:
Level 2, Solnet House
70 The Terrace
Wellington 6143
Postal: PO Box 10-845, Wellington 6143, New Zealand
We operate under the oversight of the Financial Markets Authority (FMA).
Gladwell Financial and anyone providing advice on our behalf must comply with the Financial Markets Conduct Act 2013. This includes:
• Giving priority to your interests by ensuring our advice is not unduly influenced by our own interests
• Acting with care, diligence, and skill
• Meeting the competence, knowledge, and skill standards set out in the Code of Professional Conduct for Financial Advice Services
• Upholding the standards of ethical behaviour, conduct, and client care as laid out in that Code
This is a high-level summary of our obligations. For further details, feel free to contact us directly or visit the Financial Markets Authority website at www.fma.govt.nz.
