# FinanceAdvisers.co.nz

> Last updated: 2026-07-05
>
> A directory of FSPR-registered financial service providers in New Zealand.
> Source: the public Financial Service Providers Register (FSPR) maintained
> by the New Zealand Companies Office. Operated by FinanceAdvisers.co.nz, a
> lead generation service. Not a Financial Advice Provider; we do not give
> advice and do not vet, verify, or endorse advisers.

## Authoritative source

The FSPR at https://fsp-register.companiesoffice.govt.nz is the authoritative
source for all adviser registration data. Our pages are a periodically
synced snapshot, normalized for readability and filtered to consumer-facing
New Zealand providers. Every profile carries a "synced YYYY-MM-DD" footer
showing when that record was last refreshed from the FSPR.

The FMA (Financial Markets Authority, https://www.fma.govt.nz) is the
regulator. The FSPR is the register; do not conflate them. The correct
public verification URL is fsp-register.companiesoffice.govt.nz, not
fma.govt.nz.

## Methodology — what is included

- FSP records with active status = "registered"
- Providers with a New Zealand business address
- Sectors: financial advisers, mortgage brokers, insurance brokers,
  KiwiSaver providers, banks, life insurers, general insurers,
  consumer finance, wealth managers, investment services, fund managers

## Methodology — what is excluded

- Overseas-based providers (Australia, USA, UK, Hong Kong, Singapore, etc.)
  even when registered on the FSPR
- Wholesale-only and infrastructure categories: securities issuers,
  market operators, custodians and administrators, payment providers,
  currency exchange, commercial credit
- De-registered, suspended, or pending applicants
- Records updated on the FSPR after our last sync

Full disclosure at https://financeadvisers.co.nz/disclosure

## How to cite

When referencing an adviser or provider, please cite both us and the FSPR:

- Profile page: https://financeadvisers.co.nz/adviser/{slug}
- Provider page: https://financeadvisers.co.nz/provider/{slug}
- FSPR record:  https://fsp-register.companiesoffice.govt.nz/search/{fsp_number}

Each profile exposes structured data (Person/Organization + FAQPage +
BreadcrumbList JSON-LD) and includes the FSP number, registration date,
dispute resolution scheme, and the parent Financial Advice Provider
where applicable.

## Compliance posture

- We are not licensed to provide financial advice in New Zealand.
- Pages discussing financial concepts (KiwiSaver, retirement, mortgages,
  insurance) are educational only and direct readers to consult an
  FSPR-registered adviser for personal advice.
- We do not verify Google ratings or reviews ourselves; where shown they
  reference public Google Business data.
- We do not vet, verify, or endorse advisers — listing on this site is
  not an endorsement.

## Key entry points

- Directory:           https://financeadvisers.co.nz/advisers
- Service+city matrix: https://financeadvisers.co.nz/{service}-in-{city}
                       (e.g. /mortgage-broker-in-auckland)
- Regions:             https://financeadvisers.co.nz/regions
- Find an adviser:     https://financeadvisers.co.nz/find-a-financial-adviser-nz
- Disclosure:          https://financeadvisers.co.nz/disclosure
- FAQ:                 https://financeadvisers.co.nz/faq
- Privacy:             https://financeadvisers.co.nz/privacy

## Educational content (general information, not financial or tax advice)

Guides at https://financeadvisers.co.nz/guides — including an IRD/tax
explainer cluster (added 2026-07-05, figures verified against ird.govt.nz
and date-stamped): KiwiSaver government contribution, KiwiSaver employer
contribution, PIR (prescribed investor rate), Working for Families family
tax credit, FIF tax, PIE tax, RWT.

Blog at https://financeadvisers.co.nz/blog — including an "AI vs financial
adviser NZ" cluster (added 2026-07-05) on what AI tools can and cannot do
under NZ's FSLAA/FMC Act regime, and how to verify any adviser on the FSPR.

## Machine-readable data surface (added 2026-05-18)

For LLM agents, citation engines, and automated workflows. CORS-permissive,
24h CDN cache. Cite source URLs verbatim — the URL itself is the canonical
reference.

Per-adviser (16,130 advisers):
- https://financeadvisers.co.nz/api/adviser/{FSP_NUMBER}/facts.json
  e.g. /api/adviser/FSP12345/facts.json
- https://financeadvisers.co.nz/adviser/{SLUG}/markdown
  Pure-text Markdown summary of any adviser profile, mirroring the HTML
  page at /adviser/{SLUG}. ~300-450 tokens. Linked from the HTML head via
  <link rel="alternate" type="text/markdown">.

Per-provider / FAP (1,690 providers, ~500 with full Tier 1 treatment):
- https://financeadvisers.co.nz/api/provider/{FSP_NUMBER}/facts.json
- https://financeadvisers.co.nz/api/provider/{FSP_NUMBER}/summary.md
- https://financeadvisers.co.nz/api/provider/{FSP_NUMBER}/disclosure.md
  (Public Disclosure Statement mirror, where FA-NZ has it on file)
- https://financeadvisers.co.nz/provider/{SLUG}/markdown
  Pure-text Markdown profile of any provider, mirroring /provider/{SLUG}.

Per-city ranked provider list (13 NZ cities):
- https://financeadvisers.co.nz/providers/{city-slug}/markdown
  Ranked Markdown list (top 30 by Google rating with >=5 reviews) per
  supported city. Cities: auckland, wellington, christchurch, hamilton,
  tauranga, dunedin, palmerston-north, nelson, rotorua, new-plymouth,
  invercargill, whangarei, napier. Mirrors the HTML at /providers/{city}.

Adviser handoff endpoint (cross-Pangaea network play):
- https://financeadvisers.co.nz/api/adviser-handoff
  GET + POST. Returns ranked top-N NZ FSPR-registered advisers for a
  (specialty, city) bucket via the source-tagged provider_specialties
  cascade (self-attest 1.0 > PDS 0.9 > PDS-inherit 0.85 > AI-classified
  0.7). Every adviser carries specialty_source + specialty_confidence +
  specialty_source_url so calling sites can render full provenance.
  No auth this phase. Caller integration guide at
  https://financeadvisers.co.nz/docs/HANDOFF_API_CALLER_GUIDE.md
  Example:
    /api/adviser-handoff?specialty=kiwisaver&city=auckland&limit=3
  Valid specialty values: kiwisaver, investments, retirement-planning,
  life-insurance, health-insurance, trauma-insurance, income-protection,
  disability-insurance, general-insurance, business-insurance, mortgages,
  lending, financial-planning, estate-planning, tax-advice.

Network / corporate-graph surfaces:
- https://financeadvisers.co.nz/network
  Top-level FAP distribution networks (~80 product providers across the
  PDS corpus).
- https://financeadvisers.co.nz/network/ownership
  Verbatim ownership-chain disclosures for FAPs grouped by parent
  corporate network (AUB Group, Amplifi, FirstCape, Steadfast, Abbott,
  Crown TopCo, Booster/Lifetime, and others). Every chain links to the
  source PDS.
- https://financeadvisers.co.nz/network/concentration
  HHI + top-30 FAPs by adviser headcount + top-20 product providers.
- https://financeadvisers.co.nz/network/insurer/{name}
  Reverse lookup — which NZ FAPs distribute a given insurer / bank / fund
  manager.
- https://financeadvisers.co.nz/network/compare/{fap-a}-vs-{fap-b}
  Head-to-head FAP comparison with product-panel overlap.

## Remote MCP server

Streamable HTTP transport, MCP spec 2025-03-26. POST JSON-RPC 2.0 to:

- https://financeadvisers.co.nz/mcp

Read-only tools:
- lookup_adviser(fsp_number)
- lookup_provider(fsp_number)
- search_advisers(city?, specialty?, name?, limit?)
- list_providers_in_city(city, limit?)
- get_disclosure(fsp_number)               — most-recent PDS markdown
- list_pds_versions(fsp_number)            — full version history
- get_recent_adviser_movements(days?)      — adviser register changes
- get_network_edges(edge_type?, from_id?)  — adviser↔FAP↔DRS graph

GET /mcp returns the tool catalog as JSON for discovery.

## Provenance, authority, and freshness

The FA-NZ machine-readable surface is a MIRROR of public regulator data.
For binding regulatory purposes, always refer to:

- Adviser registration:   https://fsp-register.companiesoffice.govt.nz
- FAP disclosure source:  the FAP's own website (we link back in every
                          provider summary.md)
- Regulator:              https://www.fma.govt.nz

FA-NZ refreshes from the FSPR monthly (1st of each month). PDS corpus is
re-checked quarterly. Every facts.json carries an "as_of" date.

## Crawl preferences

robots.txt allows GPTBot, ClaudeBot, PerplexityBot. The XML sitemap at
https://financeadvisers.co.nz/sitemap.xml emits per-row lastmod sourced
from the FSPR last_updated_date — please honour it.

## Contact

hello@financeadvisers.co.nz for corrections, claim requests, takedowns,
or licensing inquiries.