Daniel Smithwood Director





About IronOak Financial Services



The strength, growth and flexibility you need now... 

Delivering the outcomes, certainty and support you’ll need then.


Why should you use us as your financial advisor?

A financial advisor is, above all else, your advocate. We are independent of whichever provider your insurance may be held with, which allows them to act in your best interests without conflict.

We are experienced financial advisors (each with at least ten years of industry experience) and experts in our field. We not only save you the trouble of going from company to company, trying to work out what will suit you best, but can also provide you with formal written advice, tailored to your particular circumstances.

Make sure you use a good advisor who is recommended not only by their clients but also by other professionals.

Disclosure Information

IronOak Financial Services Ltd (IronOak) is a registered Financial Advice Provider (FSP704391) and holds a Class 2 licence under which a number of Financial Advisers are currently authorised to operate. Existing Financial Advisers are Daniel Smithwood (FSP245265), Richard Bright (FSP382886) and Daniel Wu (FSP774959).
 IronOak Financial Services Ltd is licenced by the Financial Markets Authority (FMA) to provide financial advice services. IronOak predominantly provides personal and business risk insurance advice along with generalised KiwiSaver advice, assistance with ACC structuring for the self-employed and domestic insurance advice & options.

IronOak has agreements in place with the following providers: Accuro, AIA, AMP, Asteron, Cigna, Fidelity, Partners Life, nib, Southern Cross, Generate, Booster, NZ Funds and Blanket. IronOak receives a commission from these providers based on new business being taken out by clients. IronOak may also receive a referral fee or commission share for recommending clients to an external provider such as a Mortgage Adviser or a Commercial Insurance broker. All commissions & fees are disclosed to clients before a new policy is put in force or loan drawdown. 

IronOak does not charge a fee for any of its services and is required by law to only operate in the clients' best interests. Consistency of advice (via the accepted 6-step process), ongoing training, attainment of the NZ Certificate in Financial Services (Level 5), adherence to the Code of Professional Conduct and regular audits of client files ensure that clients' needs are placed first.

IronOak has an internal complaints process (email admin@ironoak.co.nz for a copy) and is a participant of the Insurance & Financial Services Ombudsman Scheme. The IFSO provides an external, independent and free (to clients) Dispute Resolution service.
 
As a Financial Advice Provider, all Financial Advisers operating under IronOak's licence must:
○ Meet accepted standards of competence, knowledge and skill
○ Give priority to the client’s interests
○ Exercise care, diligence and skill at all times
○ Meet the standards of ethical behaviour and conduct set out in the Code of Professional Conduct for Financial Advice Services.
○ Hold or attain by March 14th 2023 the NZ Certificate in Financial Services (Level 5)


At claim time, we are right there advocating for our clients, helping them get the best possible outcome with our experience, empathy and expertise.

We seek to empower and guide our clients through the process of creating a strong foundation of appropriate insurance, while allowing for the adjustment and growth that come with changing family needs, careers and businesses. We recommend and endorse strategies that can easily be adapted and updated as required.

Book an appointment

 

IronOak Financial Services are West Auckland based, with clients New Zealand wide.

Our small but dedicated team of financial advisors and support staff bring experience, passion and impartiality to insurance advice. We draw from our expertise in the areas of personal and business insurances to advise and support our clients to make well-informed decisions.

Call Daniel Smithwood -  0225 305 034



Do you have an insurance question? 

 

Case study: Medical Insurance   

Cameron took out a policy a few years ago. It was with a good company and the benefits and amounts were reasonably appropriate to his situation. However, when it came time for Cameron to make a fairly minor medical claim some three years ago, his broker told him the procedure sounded “cosmetic” and didn’t find out more or lodge a claim.

When Cameron was introduced to Daniel by his mortgage broker, Daniel took the time to find out everything about Cameron’s situation, including the “cosmetic” procedure which was actually the removal of a cancerous skin lesion. Within two weeks, Cameron had a retrospective claim accepted and paid into his account (to the tune of some $4,000) plus had his benefits adjusted to better suit his needs. Cameron now meets with Daniel on an annual basis to ensure his benefits stay relevant and that any potential claim events are dealt with quickly and thoroughly.

For an insurance broker that advocates for you, contact Daniel today.