KiwiSaver Advisers in New Zealand
11253 FSPR-registered kiwisaver advisers list a New Zealand business address on the public register.
What is a kiwisaver adviser?
A KiwiSaver adviser helps you choose a fund (conservative, balanced, growth, or specialist), set a contribution rate, plan first-home or retirement withdrawals, and review the scheme as your circumstances change. Many financial advisers cover KiwiSaver as part of broader retirement planning.
How they are regulated
KiwiSaver schemes themselves are licensed by the FMA. Advisers giving advice on which scheme or fund to use must be FSPR-registered and operate under a Financial Advice Provider. Pure scheme administrators (no personal advice) sit on a different part of the FSPR.
How they are paid
Most KiwiSaver-only advice is delivered free as part of a broader engagement, since the adviser receives a small ongoing fee from the fund manager. A standalone KiwiSaver review may be a flat fee.
How to choose a kiwisaver adviser
- → Confirm FSPR registration and FAP membership.
- → Ask which KiwiSaver schemes they recommend and why — beware advisers tied to a single scheme.
- → For a first-home withdrawal, prioritise advisers who handle the paperwork frequently.
- → For approaching retirement, ask how they model drawdown alongside NZ Super.
When you might engage a kiwisaver adviser
First-home withdrawal
You can withdraw all but $1,000 of your KiwiSaver after three years of contributions, towards a first home. An adviser can flag eligibility traps and time the withdrawal with the settlement date.
Fund choice as you age
Younger savers can usually carry more growth-fund risk; close-to-retirement savers benefit from a more conservative split. The exact mix depends on your other assets and risk tolerance.
Consolidation
If you have multiple KiwiSaver accounts (e.g. from job changes), an adviser can consolidate them — often improving fees and simplifying review.
Retirement drawdown
After 65, KiwiSaver becomes a drawdown account. Pacing withdrawals to last alongside NZ Super and other assets is one of the most valuable conversations an adviser provides.
Longest-registered kiwisaver advisers 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
Devon Funds Management Limited
Auckland · 15+ years
Firm / FAP
Jarden Limited
Auckland · 15+ years
Firm / FAP
Aspiring Asset Management Limited
Auckland · 15+ years
Firm / FAP
Harbour Asset Management Limited
Wellington · 15+ years
KiwiSaver Advisers by city
Browse kiwisaver advisers in your area. Each city page lists local FSPR-registered kiwisaver advisers, sorted by length of registration.
Common questions
What is a kiwisaver adviser? ▼
A KiwiSaver adviser helps you choose a fund (conservative, balanced, growth, or specialist), set a contribution rate, plan first-home or retirement withdrawals, and review the scheme as your circumstances change. Many financial advisers cover KiwiSaver as part of broader retirement planning.
How are kiwisaver advisers regulated in New Zealand? ▼
KiwiSaver schemes themselves are licensed by the FMA. Advisers giving advice on which scheme or fund to use must be FSPR-registered and operate under a Financial Advice Provider. Pure scheme administrators (no personal advice) sit on a different part of the FSPR.
How are kiwisaver advisers paid? ▼
Most KiwiSaver-only advice is delivered free as part of a broader engagement, since the adviser receives a small ongoing fee from the fund manager. A standalone KiwiSaver review may be a flat fee.
How do I choose a kiwisaver adviser? ▼
Confirm FSPR registration and FAP membership. Ask which KiwiSaver schemes they recommend and why — beware advisers tied to a single scheme. For a first-home withdrawal, prioritise advisers who handle the paperwork frequently. For approaching retirement, ask how they model drawdown alongside NZ Super.
Where can I verify a kiwisaver adviser'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 KiwiSaver Adviser in your city
Browse FSPR-registered kiwisaver advisers by location. Each city page lists local advisers, registration details, and direct links to their FSPR record.