{
  "fsp_number": "FSP249805",
  "legal_name": "Become Wealth Limited",
  "slug": "become-wealth-limited-fsp249805",
  "profile_url": "https://financeadvisers.co.nz/provider/become-wealth-limited-fsp249805",
  "trading_names": [
    "Become Wealth Limited",
    "Milestone Direct Limited",
    "Become Wealth Limited",
    "Become Wealth"
  ],
  "is_financial_advice_provider": true,
  "adviser_count": 10,
  "cities_operated": [
    "Auckland",
    "Christchurch",
    "Whakamarama"
  ],
  "primary_city": "Auckland",
  "address": "72 Taharoto Road,Takapuna,Auckland,0622,New Zealand",
  "sector": "wealth-managers",
  "services": [
    "Financial advice service (including financial advisers) - Financial advice provider - licensee - full licence",
    "Keeping",
    "investing",
    "administering",
    "or managing money",
    "securities",
    "or investment portfolios on behalf of other persons",
    "DIMS provider - licensed - Licensee"
  ],
  "specialties": [
    {
      "name": "financial-planning",
      "source": "haiku-v1",
      "confidence": 0.7,
      "source_url": "https://www.become.nz/auckland",
      "classified_at": "2026-05-22T02:56:35.671+00:00"
    },
    {
      "name": "investments",
      "source": "haiku-v1",
      "confidence": 0.7,
      "source_url": "https://www.become.nz/auckland",
      "classified_at": "2026-05-22T02:56:35.671+00:00"
    },
    {
      "name": "retirement-planning",
      "source": "haiku-v1",
      "confidence": 0.7,
      "source_url": "https://www.become.nz/auckland",
      "classified_at": "2026-05-22T02:56:35.671+00:00"
    },
    {
      "name": "mortgages",
      "source": "haiku-v1",
      "confidence": 0.7,
      "source_url": "https://www.become.nz/auckland",
      "classified_at": "2026-05-22T02:56:35.671+00:00"
    },
    {
      "name": "lending",
      "source": "haiku-v1",
      "confidence": 0.7,
      "source_url": "https://www.become.nz/auckland",
      "classified_at": "2026-05-22T02:56:35.671+00:00"
    },
    {
      "name": "life-insurance",
      "source": "haiku-v1",
      "confidence": 0.7,
      "source_url": "https://www.become.nz/auckland",
      "classified_at": "2026-05-22T02:56:35.671+00:00"
    },
    {
      "name": "business-insurance",
      "source": "haiku-v1",
      "confidence": 0.7,
      "source_url": "https://www.become.nz/auckland",
      "classified_at": "2026-05-22T02:56:35.671+00:00"
    },
    {
      "name": "general-insurance",
      "source": "haiku-v1",
      "confidence": 0.7,
      "source_url": "https://www.become.nz/auckland",
      "classified_at": "2026-05-22T02:56:35.671+00:00"
    },
    {
      "name": "kiwisaver",
      "source": "haiku-v1",
      "confidence": 0.7,
      "source_url": "https://www.become.nz/auckland",
      "classified_at": "2026-05-22T02:56:35.671+00:00"
    }
  ],
  "specialties_flat": [
    "financial-planning",
    "investments",
    "retirement-planning",
    "mortgages",
    "lending",
    "life-insurance",
    "business-insurance",
    "general-insurance",
    "kiwisaver"
  ],
  "license_type": "Licensed",
  "registration_date": "2012-10-26",
  "registration_status": "registered",
  "dispute_resolution_scheme": "Insurance & Financial Services Ombudsman Scheme Inc.",
  "dispute_resolution_number": "2001028",
  "public_disclosure_statement": {
    "latest_version_date": "2026-09-04",
    "markdown_url": "https://financeadvisers.co.nz/api/provider/FSP249805/disclosure.md",
    "filings_history_url": "https://financeadvisers.co.nz/api/provider/FSP249805/filings.json",
    "pi_insurer": null,
    "pi_limit_nzd": null,
    "fee_structure": {
      "type": "fee-and-commission",
      "notes": "Full financial plan fixed fee of $2,173.91 plus GST, or hourly/scoped fee for single advice. Mortgage and insurance broking usually no fee. DIMS charged as ongoing percentage-of-portfolio fee (exact % confirmed at time of advice, deducted monthly in arrears). Defence Community members: Simple advice $850 plus GST, Comprehensive financial planning up to $1,400 plus GST.",
      "percentage_pa": null,
      "hourly_rate_nzd": null,
      "fixed_fee_nzd_typical": 2173.91
    },
    "product_panel": [
      {
        "provider": "Consilium NZ Limited",
        "product_types": [
          "DIMS wrap platform"
        ]
      },
      {
        "provider": "FNZ Limited",
        "product_types": [
          "custodial services"
        ]
      }
    ],
    "conflicts_of_interest": [
      "Commissions received from mortgage and insurance product providers",
      "Referral fees received from property developers when clients purchase investment property",
      "Referral fees received from other professional services referrals (e.g. tax, legal)",
      "Formal agreement with NZDF where Become Wealth is paid a monthly fee and primarily recommends products on the Force Financial Hub",
      "Advisers may receive discretionary bonuses linked to company profitability, client service, compliance, and productivity",
      "Shareholders may own shares in Become Wealth through non-trading or immaterial holding entities",
      "Potential conflict as advisers are employees/contractors of Become Wealth when DIMS is recommended",
      "Non-monetary benefits (soft dollar) from providers such as training, hospitality, and small gifts"
    ],
    "complaints_12mo": null,
    "confidence_tier": "C",
    "extracted_via": "sonnet-html-v1",
    "ingested_at": "2026-09-04T04:13:28.580357+00:00"
  },
  "summary_url": "https://financeadvisers.co.nz/api/provider/FSP249805/summary.md",
  "as_of": "2026-09-10",
  "provenance": {
    "source": "FSPR (Financial Service Providers Register) via FA-NZ mirror + PDS Part A corpus where available",
    "authoritative_register": "https://fsp-register.companiesoffice.govt.nz/companies/app/ui/pages/companies/FSP249805",
    "pds_corpus_role": "FA-NZ archives + parses publicly-published FAP Public Disclosure Statements per FMC Act s431. We are a mirror, not the original publisher.",
    "refresh_cadence": "FSPR monthly snapshot; PDS quarterly re-check + Wayback diff",
    "methodology": "https://financeadvisers.co.nz/methodology",
    "schema_version": "2026-05-30",
    "specialties_source_cascade": "self-attest (1.00) > pds-v1 (0.90) > pds-inherit-v1 (0.85) > haiku-v1 (0.70); fspr-code fallback excluded",
    "specialties_schema_change_log": "v2026-05-30: `specialties` is now the structured array (name + source + confidence + source_url + classified_at); `specialties_flat` retained for callers expecting the prior string[] shape."
  },
  "notes": "This entity is a Financial Advice Provider (FAP) under FMC Act 2013. Authoritative source for current registration status: the FSPR register URL above."
}