# Rowena Elspeth Hume Smith

**FSP FSP1011282** · **Masterton** · **registered** · registered 2025-11-12

Rowena Elspeth Hume Smith is an individual financial adviser on the New Zealand Financial Service Providers Register, currently appointed under Rival Wealth Limited (FAP FSP30481).

**Parent FAP:** Rival Wealth Limited (FSP30481)
Provider profile: <https://financeadvisers.co.nz/provider/rival-wealth-limited-masterton-FSP30481>

**Licence type:** Non-licensed
**Display specialty:** Financial Adviser

## Services offered

- Financial advice service (including financial advisers) - Financial adviser

## Specialties (source-tagged)

Each specialty below carries its data source + confidence. Cascade: self-attest 1.00 > PDS 0.90 > PDS-inherited 0.85 > AI-classified 0.70. For binding regulatory statements refer to the source link.

- **financial-planning** — inherited from parent FAP FSP30481, confidence 0.85 (source: <https://rivalwealth.co.nz/wp-content/uploads/2025/04/RIVAL-Wealth-Disclosure-Statement.pdf>)
- **investments** — inherited from parent FAP FSP30481, confidence 0.85 (source: <https://rivalwealth.co.nz/wp-content/uploads/2025/04/RIVAL-Wealth-Disclosure-Statement.pdf>)
- **retirement-planning** — inherited from parent FAP FSP30481, confidence 0.85 (source: <https://rivalwealth.co.nz/wp-content/uploads/2025/04/RIVAL-Wealth-Disclosure-Statement.pdf>)
- **general-insurance** — inherited from parent FAP FSP30481, confidence 0.85 (source: <https://rivalwealth.co.nz/wp-content/uploads/2025/04/RIVAL-Wealth-Disclosure-Statement.pdf>)
- **disability-insurance** — inherited from parent FAP FSP30481, confidence 0.85 (source: <https://rivalwealth.co.nz/wp-content/uploads/2025/04/RIVAL-Wealth-Disclosure-Statement.pdf>)
- **health-insurance** — inherited from parent FAP FSP30481, confidence 0.85 (source: <https://rivalwealth.co.nz/wp-content/uploads/2025/04/RIVAL-Wealth-Disclosure-Statement.pdf>)
- **life-insurance** — inherited from parent FAP FSP30481, confidence 0.85 (source: <https://rivalwealth.co.nz/wp-content/uploads/2025/04/RIVAL-Wealth-Disclosure-Statement.pdf>)
- **business-insurance** — inherited from parent FAP FSP30481, confidence 0.85 (source: <https://rivalwealth.co.nz/wp-content/uploads/2025/04/RIVAL-Wealth-Disclosure-Statement.pdf>)
- **kiwisaver** — inherited from parent FAP FSP30481, confidence 0.85 (source: <https://rivalwealth.co.nz/wp-content/uploads/2025/04/RIVAL-Wealth-Disclosure-Statement.pdf>)

**Registered address:** 2 Michael Street,Kuripuni,Masterton,5810,New Zealand

## Verify

- FSPR register: <https://fsp-register.companiesoffice.govt.nz/companies/app/ui/pages/companies/FSP1011282>
- HTML profile on FA-NZ: <https://financeadvisers.co.nz/adviser/rowena-elspeth-hume-smith-masterton-FSP1011282>
- Machine-readable facts: <https://financeadvisers.co.nz/api/adviser/FSP1011282/facts.json>
- All advisers in Masterton: <https://financeadvisers.co.nz/advisers/masterton>

*FinanceAdvisersNZ is a directory mirror of public FSPR data. We do not regulate, vet, or endorse advisers, and we do not provide financial advice. For binding regulatory purposes refer to the FSPR record linked above.*

*Last refreshed: 2026-06-20*