Find a Financial Adviser in New Zealand
New Zealand has a large, regulated financial advice market — and finding the right adviser starts with knowing where to look. This directory lists 16,000+ FSPR-registered financial advisers and providers across the country, from mortgage and insurance advisers to KiwiSaver, investment and retirement planning specialists. Every listing links to the adviser's official record on the Financial Service Providers Register (FSPR), so you can confirm registration status yourself.
Browse by city or specialty below, use the free matching tool, or read the step-by-step guide to choosing an adviser further down this page.
Browse Financial Advisers by City
Advisers are listed in every major New Zealand centre. Each city page shows the FSPR-registered advisers and firms based there, with Google ratings where available.
Not listed here? See all regions and cities or search the full directory.
Browse by Specialty
Most advisers focus on one or two areas. Pick the type of help you need and you'll land on the directory pre-filtered to advisers registered for that service.
Mortgages & home loans
Mortgage advisers who arrange and structure home loans across NZ lenders.
Browse mortgages & home loans advisers →KiwiSaver & retirement
Advisers who help with KiwiSaver fund selection and retirement planning.
Browse kiwisaver & retirement advisers →Insurance & protection
Advisers covering life, health, income protection and trauma insurance.
Browse insurance & protection advisers →Investments
Investment and wealth advisers for portfolios, funds and share investing.
Browse investments advisers →Financial planning
Broad financial planning — budgeting, goals, and whole-of-life strategy.
Browse financial planning advisers →All specialties
Search the full directory by name, city, or any specialty.
Open the full directory →How to Choose a Financial Adviser in NZ
Under the Financial Services Legislation Amendment Act 2019 (FSLAA), anyone giving regulated financial advice to retail clients in New Zealand must operate under a Financial Advice Provider licensed by the Financial Markets Authority (FMA), and must be registered on the FSPR. That regime gives you several practical checkpoints to work through before you commit.
1. Define what you need help with
"Financial advice" spans very different jobs: arranging a mortgage, choosing insurance cover, picking a KiwiSaver fund, building an investment portfolio, or planning retirement income. Naming your need first narrows the field quickly — a mortgage adviser and an investment adviser are usually different people with different registrations.
2. Check their FSPR registration
Look the adviser up on the Financial Service Providers Register. Confirm they are registered, note which services they are registered for, and check they belong to an approved dispute resolution scheme. Every profile on this site links directly to the adviser's FSPR record so you can do this in one click.
3. Read their disclosure statement
Licensed advice businesses must make disclosure information publicly available, and advisers must give you specific disclosures when the nature and scope of their advice is known. The disclosure statement tells you what they can advise on, which product providers they work with, how they are paid, and what conflicts of interest exist. If an adviser can't point you to their disclosure, keep looking.
4. Understand how they're paid
Commission, direct fees, or a hybrid of both — each model is legitimate, but each shapes incentives differently. Ask directly: "How are you paid for this advice, and by whom?" A professional adviser will answer plainly and in writing. See the fee-model breakdown below.
5. Meet two or three before deciding
Most advisers offer a free initial conversation. Talking to two or three lets you compare scope, fees, communication style, and how well each one understands your situation. You're choosing a long-term working relationship, not just a transaction — fit matters as much as credentials.
What Does a Financial Adviser Cost in NZ?
There is no single answer — cost depends on the fee model, the type of advice, and the complexity of your situation. What matters is that NZ disclosure rules require advisers to tell you how they are paid before you act on their advice. The three common models:
Commission-based
The adviser is paid by the product provider (a lender or insurer) when you take out a product through them. Common for mortgage and insurance advice, and often means no direct fee to you. The trade-off: commissions can create conflicts of interest, which is exactly what the disclosure statement exists to surface. Ask what commission applies and whether it differs between the providers being considered.
Fee-based
You pay the adviser directly — typically an hourly rate, a fixed fee for a defined piece of work (like a financial plan), or an ongoing percentage of assets under management for investment advice. This model is common in financial planning and wealth management. Ask for the fee structure in writing before work begins.
Hybrid
A mix of both — for example, a planning fee paid by you plus commission on any insurance arranged as part of the plan. Hybrid models are common where advice covers several product areas. The same rule applies: the adviser must disclose each payment stream and any conflicts.
Whichever model applies, if a dispute over fees or advice can't be resolved directly, every FSPR-registered adviser serving retail clients must belong to an approved dispute resolution scheme — a free, independent avenue for complaints.
Tools to Help You Search
Get Matched
Answer a few questions and get connected with advisers suited to your needs. Free, no obligation.
Start matching →Compare Advisers
Put advisers side by side — registration details, specialties, and Google ratings.
Compare now →Full Directory
Search all 16,000+ FSPR-registered advisers and providers by name, city, or specialty.
Browse directory →Adviser Map
See advisers near you on an interactive map of New Zealand.
Open the map →Frequently Asked Questions
How do I find a financial adviser in New Zealand?
Start by defining what you need help with — a mortgage, KiwiSaver, insurance, investments, or broader financial planning. Then browse a directory of FSPR-registered advisers by city or specialty, check each adviser’s registration on the official Financial Service Providers Register (FSPR), read their disclosure statement, and speak with two or three before choosing. FinanceAdvisers.co.nz lists 16,000+ FSPR-registered advisers and providers, each linked to their official FSPR record.
How do I check if a financial adviser is registered in NZ?
Search the Financial Service Providers Register (FSPR) at fsp-register.companiesoffice.govt.nz — the official public register run by the New Zealand Companies Office. Every adviser listing on this site links to its FSPR record so you can confirm registration status, the services registered for, and dispute resolution scheme membership yourself.
What does a financial adviser cost in NZ?
It depends on the fee model. Some advisers are paid by commission from product providers (common for mortgage and insurance advice, often at no direct cost to you), some charge fees directly (hourly, fixed-fee, or a percentage of assets under management), and some use a mix of both. Under NZ disclosure rules, advisers must tell you how they are paid and what conflicts of interest exist before you act on their advice — always ask for this in writing.
What is the difference between the FSPR and the FMA?
The FSPR (Financial Service Providers Register) is the public register of financial service providers, run by the Companies Office. The FMA (Financial Markets Authority) is the regulator that licenses Financial Advice Providers and monitors conduct. Registration on the FSPR is not an endorsement by either body — it means the provider is registered to offer particular financial services.
Is it free to use this directory?
Yes. Browsing the directory, comparing advisers, and using the matching tool are free for consumers, with no obligation. FinanceAdvisers.co.nz is a lead generation and comparison service — we connect you with FSPR-registered advisers; we do not provide financial advice ourselves.
Do I need a financial adviser, or can I do it myself?
That depends on the complexity of your situation and how confident you are managing it. Many people handle simple decisions themselves using free resources like sorted.org.nz. An adviser can add value when decisions are complex or high-stakes — structuring a mortgage, choosing insurance cover, consolidating retirement savings, or building an investment plan. Speaking with an adviser is usually free for an initial conversation, so it costs little to find out.
Disclaimer: This page is for general information purposes only and does not constitute financial advice. FinanceAdvisers.co.nz is a lead generation service that connects consumers with FSPR-registered financial advisers — we do not provide financial advice, make product recommendations, or endorse any adviser. Registration on the FSPR is not an endorsement by the Companies Office or the FMA. Always verify an adviser's registration on the Financial Service Providers Register and read their disclosure statement before engaging services.
Ready to Find a Financial Adviser?
Browse 16,000+ FSPR-registered advisers, or answer a few questions and get matched for free.