Adviser Details
Diana McIntyre – Financial Adviser (FSP1006863)
Phone: 021 888 090
Email: [email protected]

I provide financial advice on behalf of Activate Limited (FSP1012374) trading as Activate Wealth, which is licensed by the Financial Markets Authority as a Financial Advice Provider (Class 2 licence).
Both Activate Limited and I are registered on the Financial Service Providers Register, which you can view at the Companies Office website.

I work for you
At Activate Wealth, my approach is simple, give you clear, practical advice you can actually use.
No jargon. No fluff. No overcomplicating things.
You’ll get straight answers about what I recommend, why I recommend it, and what it means for you, so you can make confident decisions without second guessing.
I start by understanding your situation properly, what’s going on, what matters to you, and where you’re heading. From there, I shape advice to fit you. Not the other way around.
This isn’t about one-off transactions. I’m here to build a relationship with you, so as life changes, your plan and cover can change with it.

My background and approach
I’m known for being direct and pragmatic. I cut through complexity, focus on what matters, and help make decisions feel clear and manageable. I provide clear, practical guidance, without jargon or fluff.

My advice is shaped by real-world experience. I’ve founded and sold an engineering business, worked alongside civil and quarry operations, invested in property, and supported trusts and estates.
This means I understand how things actually work, and the pressures clients carry behind the scenes.
I also help clients think ahead, understanding risk, planning for different scenarios, and putting strong frameworks in place.
My advice is grounded, strategic, and focused on long-term outcomes for clients who value straight-talking, commercial insight, and confidence in their financial future.

Areas I Advise On
I provide advice in the following areas, based on my licensing and provider relationships:
Personal Risk Insurance - AIA, Chubb Life, Fidelity Life, NIB, Partners Life
Business Risk Insurance - AIA, Chubb Life, Fidelity Life, Partners Life
Health Insurance - NIB, AIA, Partners Life
Group Health Insurance - NIB (Belong)
KiwiSaver Advice - Generate KiwiSaver

What I Don’t Advise On
I don’t provide advice in the following areas, but I can point you in the right direction if needed:
• Legal, accounting, or tax advice
• General insurance (home, contents, travel, etc.)
• Mortgages

Fees and Costs
I don’t charge you a fee for advice.
There’s no cost to you for recommendations, whether you decide to proceed or not.

How I Get Paid
I’m paid by product providers (like insurers or KiwiSaver providers) if you choose to go ahead with a recommendation.
• For insurance, commissions can be up to 220% of the first year’s premium
• For KiwiSaver, I may receive up to 0.25% of funds under management and up to $300 for new applications
This commission is already built into the product, you don’t pay anything extra for working with me.
That income covers business costs like systems, compliance, and running the business.
I don’t have sales quotas or incentives pushing me toward one provider over another.

Conflicts of Interest
I actively manage conflicts of interest.
I complete regular training on this and maintain a register of any incentives or gifts received.
Simple, your interests come first.

My Duties to You
Under the Financial Markets Conduct Act 2013, I’m required to:
• Put your interests first
• Act with care, diligence, and skill
• Meet professional standards of competence and conduct
• Provide advice that is suitable for your situation
In practice, that means:
• Taking the time to understand you properly
• Recommending what’s right for you, not what’s easiest or most profitable
• Being upfront and clear at every step

My Advice Process
My process is structured, but practical:
• Understand your situation and goals
• Analyse your current position
• Provide clear, written recommendations
• Help implement what’s agreed
• Review and adjust over time
This may take more than one meeting and that’s intentional. Good decisions come from properly understanding things.

Use of Artificial Intelligence (AI)
We may use approved AI tools, including Marloo AI, to assist with administrative tasks, research, document preparation and client communications. AI is used only to support our advice process and does not replace professional judgement. All financial advice is reviewed and approved by your adviser.

Handling of Client Money
I don’t hold or manage your money.
Any payments go directly from you to the relevant provider.

How to raise a concern or complaint about my advice
Step One: If something doesn’t feel right, talk to me first. I’ll take your concern seriously and work to resolve it properly.
By Mail:
Activate Wealth Ltd
15 Stratford Place
Tauranga

By email:
[email protected]

By phone:
021888090

Step Two: If your concern isn't resolved after completing step one you can refer it to the IFSO Scheme. This free, independent dispute resolution service will consider your complaint and reach an agreed outcome or make a decision.

By Mail:
IFSO Scheme
PO Box 10-845
Wellington, 6143

By phone: 0800 888 202

By email: [email protected]

Web address: www.ifso.nz

Disciplinary History
I have no history of disciplinary matters or negligence claims