Regulatory disclosures

Remuneration Code Disclosure

Moai Wealth Limited is an SNI MIFIDPRU investment firm, authorised and regulated by the Financial Conduct Authority (FCA). As part of our commitment to transparency and responsible governance, we disclose the following information regarding our remuneration policy and practices in accordance with MIFIDPRU 8.

Our Approach to Remuneration

At Moai Wealth, our people are at the core of delivering exceptional service to our clients. Our remuneration policies are designed to attract and retain top talent—individuals who embody our values, demonstrate deep expertise, and are dedicated to fostering long-term client success.

Our approach ensures that compensation is:

• Aligned with client outcomes – Our structure prioritises the fair treatment of clients and the quality of service we deliver.
• Balanced and responsible – We maintain an appropriate mix of fixed and variable remuneration, ensuring that incentives do not place the firm’s or employees’ interests above those of our clients.
• Risk-conscious and compliant – We adhere to the MIFIDPRU Remuneration Code to prevent conflicts of interest and promote sound risk management.

Remuneration Governance and Decision-Making

Moai Wealth follows a structured and disciplined approach to remuneration governance:

• Oversight – The Moai Wealth Management team, alongside relevant managers, reviews remuneration policies and ensures alignment with our values and regulatory obligations.
• Evaluation – Decisions regarding fixed and variable compensation take into account key qualitative criteria, including client focus, compliance with internal policies, and adherence to Moai Wealth’s core principles.
• External Input – Where appropriate, we may engage external consultants to ensure best practices are reflected in our policies.

Key Remuneration Components

Fixed Pay

Fixed remuneration forms the foundation of our compensation structure, ensuring stability and predictability for employees. Key components include:

• Competitive base salary, determined by role, responsibility, and market conditions.
• Additional benefits, such as a defined contribution pension scheme and private medical insurance.
• Annual reviews to ensure continued market competitiveness and internal fairness.

Variable Pay

Variable remuneration is designed to reward performance while maintaining prudent financial management:

• Cash Bonus Awards – These are awarded from a discretionary bonus pool, determined annually based on company performance.
• Performance-Based Allocation – Awards are subject to individual contributions, client impact, and adherence to our firm’s values.
• Financial Prudence – Variable pay is only awarded if the firm maintains adequate capital and liquidity levels, in line with FCA requirements.

Commitment to Ethical and Client-Centric Remuneration

Moai Wealth upholds the highest standards of ethical remuneration practices. We do not:

• Design incentive structures that could encourage employees to act against the best interests of clients.
• Set sales targets or remuneration arrangements that could lead to biased recommendations.
• Base compensation decisions solely on quantitative commercial criteria.

Our approach to remuneration is a key part of how we build a firm that puts clients first, fosters a high-performance culture, and ensures long-term sustainability. By maintaining a balanced and thoughtful compensation structure, we continue to attract and retain the best talent to serve our clients with integrity and expertise.

Quantitative Disclosure

As an SNI MIFIDPRU investment firm, we are required to disclose the total remuneration of all employees split between fixed and variable remuneration for our performance year end. For our year ending 30 June 2024, our total remuneration is split as follows: