Financial Planners in New Zealand
11178 FSPR-registered financial planners list a New Zealand business address on the public register.
What is a financial planner?
A financial planner provides personal financial advice covering budgeting, investments, KiwiSaver, retirement, insurance, and the tax-efficiency of those decisions. In New Zealand they must be FSPR-registered and operate under a licensed Financial Advice Provider.
How they are regulated
Financial planners are regulated by the Financial Markets Authority. The FAP they work under holds the licence; the planner themselves is registered on the FSPR. The Code of Professional Conduct for Financial Advice Services applies to all advice given to retail clients.
How they are paid
Common fee structures include a flat fee for a financial plan ($2,000–$5,000), an hourly rate ($150–$500/hr), commission on insurance products placed, and an asset-based fee for ongoing portfolio management (typically 0.5%–2% per year).
How to choose a financial planner
- → Verify FSPR registration and the FAP they sit under.
- → Ask about the qualifications they hold — Level 5 is the minimum; CFP (Certified Financial Planner) is the international gold standard.
- → Ask for a written disclosure document: fee structure, products considered, conflicts of interest.
- → Ask whether their advice is restricted (single-product) or comprehensive.
- → Confirm how often they review your plan and what triggers a review.
When you might engage a financial planner
Retirement planning
Modelling KiwiSaver + NZ Super + private investments + housing equity to a target retirement income is the most common reason mid-life clients engage a planner.
KiwiSaver
Fund choice, contribution rate, and first-home or retirement withdrawal strategy. Planners can also advise on consolidating multiple KiwiSaver accounts.
Investment portfolios
Asset allocation, fund or direct-share selection, and tax-efficient structure (PIE vs FIF). Some planners offer Discretionary Investment Management Services (DIMS).
Insurance
A comprehensive plan layers insurance with cashflow, debt and investment goals. A planner who only sells insurance is usually a specialist insurance adviser, not a generalist.
Longest-registered financial planners in New Zealand
Sorted by FSPR registration date (oldest first). Tenure is one signal among many — verify any adviser on the FSPR before engaging.
Individual
Anita Nga Man Cheung
Manukau · 15+ years
Individual
Miles Christopher Flower
Whitianga · 15+ years
Individual
John Richard Coltman
Taupo · 15+ years
Individual
Suzanne Michelle Isherwood
Waimauku · 15+ years
Firm / FAP
Jarden Limited
Auckland · 15+ years
Firm / FAP
Forex Limited
Wellington Central · 15+ years
Firm / FAP
MacQuarie Capital (new Zealand ) Limited
Auckland · 15+ years
Firm / FAP
Core Financial Services Limited
Auckland · 15+ years
Financial Planners by city
Browse financial planners in your area. Each city page lists local FSPR-registered financial planners, sorted by length of registration.
Common questions
What is a financial planner? ▼
A financial planner provides personal financial advice covering budgeting, investments, KiwiSaver, retirement, insurance, and the tax-efficiency of those decisions. In New Zealand they must be FSPR-registered and operate under a licensed Financial Advice Provider.
How are financial planners regulated in New Zealand? ▼
Financial planners are regulated by the Financial Markets Authority. The FAP they work under holds the licence; the planner themselves is registered on the FSPR. The Code of Professional Conduct for Financial Advice Services applies to all advice given to retail clients.
How are financial planners paid? ▼
Common fee structures include a flat fee for a financial plan ($2,000–$5,000), an hourly rate ($150–$500/hr), commission on insurance products placed, and an asset-based fee for ongoing portfolio management (typically 0.5%–2% per year).
How do I choose a financial planner? ▼
Verify FSPR registration and the FAP they sit under. Ask about the qualifications they hold — Level 5 is the minimum; CFP (Certified Financial Planner) is the international gold standard. Ask for a written disclosure document: fee structure, products considered, conflicts of interest. Ask whether their advice is restricted (single-product) or comprehensive. Confirm how often they review your plan and what triggers a review.
Where can I verify a financial planner's credentials? ▼
Search the Financial Service Providers Register at fsp-register.companiesoffice.govt.nz. Every legitimate adviser in New Zealand must be listed there. The Financial Markets Authority publishes warnings about specific advisers at fma.govt.nz/news-and-resources/warnings-and-alerts/.
Find a Financial Planner in your city
Browse FSPR-registered financial planners by location. Each city page lists local advisers, registration details, and direct links to their FSPR record.