Skip to main content

Adviser-level distribution view

Advisers at FAPs that disclose Kernel Wealth

12 NZ Financial Advice Providers have disclosed Kernel Wealth in their public Product Disclosure Statement product panel, collectively employing 92 individual advisers across 17 cities. For the FAP-level roll-up (one row per firm), see the parent Kernel Wealth distribution network page.

Name variants in the source data: Kernel, Kernel Wealth Limited, Kernel Wealth.

How 9,152 advisers split for Kernel Wealth

  • 92 advisers (12 firms): Their firm's disclosure statement names Kernel Wealth.
  • 3,537 advisers (279 firms): Their firm's disclosure statement does not name Kernel Wealth.
  • 5,523 advisers (2,132 firms): We hold no product panel for their firm, so we can't say.

Product panels are disclosed by the firm (FAP), not the individual adviser, and are AI-extracted from each firm's Public Disclosure Statement. A firm whose disclosure does not name Kernel Wealth may still arrange it, and the “can't say” group is firms whose disclosure we have not yet read. Counts cover individual advisers with a current FAP appointment on the FSPR.

FAPs distributing Kernel Wealth, by adviser headcount

12 FAPs · as of 2026-09-04

Individual advisers

92 of 92 shown

How this list is built

Under New Zealand's Financial Markets Conduct Act 2013, every Financial Advice Provider (FAP) must publish a Public Disclosure Statement under section 431 covering — among other things — the product providers they are appointed to distribute. FinanceAdvisersNZ mirrors these PDSes and parses the product-panel section into structured data.

For this page, we filter network_edges_mv to the edges where Kernel Wealth appears as a disclosed provider, resolve the FAPs at the from end of each edge, then enumerate the individual advisers currently appointed under each of those FAPs via the FSPR register.

Methodology + limits

  • Source: Mirror of NZ FAP Public Disclosure Statements filed under FMC Act 2013 s431, joined to the FSPR adviser–FAP appointment register.
  • Extraction: Product-provider names are extracted from PDS markdown by Claude (LLM-extracted, confidence tier C). Name variants are collapsed via a hand-curated alias list — see the parent /network/insurer/kernel-wealth page for the canonical variants merged into this slug.
  • Scope (HARD): Being on a FAP's product panel does not mean every adviser at that FAP personally advises on Kernel Wealth. Individual advisers may be scoped to a subset of their FAP's panel depending on licensing and specialty. This page lists everyone whose FAP-wide disclosure includes Kernel Wealth, not advisers verified to personally advise on it.
  • Coverage: FinanceAdvisersNZ has PDS data on file for ~107 of ~2,444 NZ FAPs (~4.5%) as of 2026-06-01. A FAP not listed here may still distribute Kernel Wealth — we simply do not yet have their PDS in our corpus.
  • Display cap: This page renders up to 100 advisers; pages with more advisers link out to the parent Kernel Wealth FAP roll-up.

Machine-readable + related

FinanceAdvisersNZ is a directory mirror of public NZ register and FAP disclosure data. We are not a Financial Advice Provider, do not provide regulated financial advice, and do not vet, verify, or endorse advisers.