Personal insurance advice through Nestwell Advisory is provided by Sharleen Kumar, operating under IFO Peace of Mind Advice Limited. Nestwell is not presented as the holder of a separate Financial Advice Provider licence.
Our advice scope
Our personal insurance advice services cover life insurance, health insurance, trauma insurance, total and permanent disability cover, mortgage protection, income protection and specific injury cover. Whether a product is appropriate depends on your circumstances, eligibility and the policy terms. This website is general information, not an individual recommendation or confirmation of cover.
Specialist introductions
KiwiSaver, investments, house insurance, contents insurance, car insurance and business insurance are specialist referral services. The specialist receiving an introduction is responsible for their advice, product scope, fees and disclosures. We discuss sharing your details before making an introduction.
Licensing, providers and remuneration
Read IFO’s current publicly available disclosure for its licensing information, duties, product providers, fees, commissions and conflicts of interest. Adviser-specific product scope and remuneration are explained in the individual Disclosure Guide. Request Sharleen’s current guide before deciding whether to proceed with advice; do not assume that every provider listed by IFO is available through every adviser.
Any fee, commission, referral payment or other relevant conflict applicable to your engagement should be explained through that advice process. This website does not promise fee-free advice or a particular provider arrangement.
Further information
Contact Sharleen to request the relevant advice information. See our complaints process and privacy notice. Do not cancel an existing policy until any replacement terms and implications have been assessed and explained.
Last updated: 4 November 2026.