Financial Guides & Resources
Comprehensive guides to help you make informed financial decisions. From KiwiSaver basics to retirement planning strategies.
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How to find and check a financial adviser in NZ
Licensing, adviser types, fees, disclosure statements and dispute resolution, with links into the directory by city and specialty.
Featured Guides
KiwiSaver Explained: Complete 2026 Guide
Everything you need to know about KiwiSaver - how it works, contribution rates, fund types, and how to maximize your retirement savings.
When Do You Actually Need a Financial Adviser?
Not everyone needs a financial adviser. Learn when professional advice adds real value and when you might be fine managing your own finances.
How to Choose a Financial Adviser in NZ
A step-by-step guide to finding and evaluating financial advisers in New Zealand. What to look for, questions to ask, and red flags to avoid.
Retirement Planning NZ: Your Complete Guide
Plan for a comfortable retirement in New Zealand. Covers NZ Super, KiwiSaver, investment strategies, and income planning for different life stages.
Top KiwiSaver Funds 2026: Complete Comparison
Compare the top-performing KiwiSaver funds in 2026. Analysis of returns, fees, and fund managers to help you choose the right fund for your goals.
How Much Do You Need to Retire in New Zealand?
Calculate how much you need to retire comfortably in NZ. Covers NZ Super, living costs, and the savings required for different lifestyles.
Financial Adviser Fees NZ: What 311 Disclosure Statements Say
How NZ financial advisers say they charge, counted from 311 adviser disclosure statements: commission, no-fee advice, clawback fees, hourly rates, fixed fees and percentage fees, with quotes.
Fee-Only vs Commission Financial Advisers - Which is Right for You?
Compare fee-only and commission-based financial advisers in NZ. Understand the differences, pros and cons, and which model suits your situation.
Getting Independent KiwiSaver Advice in NZ
Learn what makes KiwiSaver advice truly independent, how to find unbiased advisers, and why independent guidance matters for your retirement savings.
Finding Certified Retirement Advisers in NZ - Your Complete Guide
How to find qualified retirement advisers in New Zealand: which certifications matter, what to look for, and how to verify credentials.
What is the FSPR? How to Use the Financial Service Providers Register
The Financial Service Providers Register (FSPR) is NZ's official record of who can provide financial services. What it shows and how to look someone up.
There is No Single "Right" Financial Adviser in NZ — Here is What to Look For
There is no single right financial adviser in NZ. The right one depends on what you need. A structured way to choose without relying on superlative lists.
KiwiSaver Government Contribution 2026: How Much & How to Get It
The KiwiSaver government contribution is now 25 cents per dollar, up to $260.72 a year. Who qualifies, how much to contribute, and the 30 June deadline.
All Guides
KiwiSaver
KiwiSaver Explained: Complete 2026 Guide
Everything you need to know about KiwiSaver - how it works, contribution rates, fund types, and how to maximize your retirement savings.
12 min readFirst Home Buyer's KiwiSaver Withdrawal Guide
How to use your KiwiSaver for your first home. Eligibility requirements, withdrawal process, and tips to maximize your deposit.
10 min readTop KiwiSaver Funds 2026: Complete Comparison
Compare the top-performing KiwiSaver funds in 2026. Analysis of returns, fees, and fund managers to help you choose the right fund for your goals.
14 min readGetting Independent KiwiSaver Advice in NZ
Learn what makes KiwiSaver advice truly independent, how to find unbiased advisers, and why independent guidance matters for your retirement savings.
14 min readGetting Started
When Do You Actually Need a Financial Adviser?
Not everyone needs a financial adviser. Learn when professional advice adds real value and when you might be fine managing your own finances.
8 min readHow to Choose a Financial Adviser in NZ
A step-by-step guide to finding and evaluating financial advisers in New Zealand. What to look for, questions to ask, and red flags to avoid.
10 min readFinancial Adviser vs DIY Investing: Which is Right for You?
Compare using a financial adviser versus managing investments yourself. Understand the costs, benefits, and when each approach makes sense.
10 min readFinancial Adviser Fees NZ: What 311 Disclosure Statements Say
How NZ financial advisers say they charge, counted from 311 adviser disclosure statements: commission, no-fee advice, clawback fees, hourly rates, fixed fees and percentage fees, with quotes.
9 min readFee-Only vs Commission Financial Advisers - Which is Right for You?
Compare fee-only and commission-based financial advisers in NZ. Understand the differences, pros and cons, and which model suits your situation.
14 min readRetirement
Retirement Planning NZ: Your Complete Guide
Plan for a comfortable retirement in New Zealand. Covers NZ Super, KiwiSaver, investment strategies, and income planning for different life stages.
15 min readHow Much Do You Need to Retire in New Zealand?
Calculate how much you need to retire comfortably in NZ. Covers NZ Super, living costs, and the savings required for different lifestyles.
12 min readFinding Certified Retirement Advisers in NZ - Your Complete Guide
How to find qualified retirement advisers in New Zealand: which certifications matter, what to look for, and how to verify credentials.
13 min readAdviser Verification
What is the FSPR? How to Use the Financial Service Providers Register
The Financial Service Providers Register (FSPR) is NZ's official record of who can provide financial services. What it shows and how to look someone up.
8 min readReading an NZ Financial Adviser Disclosure Statement: The 7 Things That Matter
Every NZ Financial Advice Provider must publish a disclosure statement. The seven sections that matter: fees, conflicts, complaints, product panel and more.
11 min readTax
KiwiSaver Government Contribution 2026: How Much & How to Get It
The KiwiSaver government contribution is now 25 cents per dollar, up to $260.72 a year. Who qualifies, how much to contribute, and the 30 June deadline.
7 min readKiwiSaver Employer Contribution 2026: The New 3.5% Rate Explained
Compulsory KiwiSaver employer contributions rose to 3.5% on 1 April 2026 and rise to 4% in 2028. How ESCT tax works and what total remuneration means.
7 min readPIR Explained: How to Work Out Your Prescribed Investor Rate
Your PIR is the tax rate your KiwiSaver and PIE funds use: 10.5%, 17.5% or 28%. Current income thresholds, how to check yours, and what happens if it is wrong.
6 min readFamily Tax Credit NZ: Who Qualifies and How Much You Get
The Family Tax Credit pays up to $152 a week for your eldest child. Current rates, the $44,900 abatement threshold, who qualifies, and how to apply.
7 min readFIF Tax NZ: The $50,000 Foreign Investment Rule Explained
Own more than NZ$50,000 of overseas shares or ETFs? The FIF rules tax you differently. FDR vs CV methods, the new revenue account method, and KiwiSaver.
8 min readPIE Tax Explained: Why the 28% Cap Matters for NZ Investors
Portfolio Investment Entities cap investment tax at 28%, below the 33% and 39% top income rates. How PIEs work, PIE vs direct investment, and KiwiSaver.
6 min readResident Withholding Tax (RWT) NZ: Rates and Choosing Correctly
RWT is deducted from your bank interest and dividends before you receive them. Current rates from 10.5% to 39%, how to pick yours, and RWT vs PIR.
6 min readImportant: FinanceAdvisers.co.nz is a directory and introduction service. We connect consumers with FSPR-registered financial advisers but do not provide financial advice ourselves.
The information on this page is general in nature and should not be relied upon as financial advice. Your personal circumstances should be considered before making any financial decisions.
Always verify adviser credentials on the Financial Service Providers Register.
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