Castle Trust Financial Planning Limited

Financial Services Provider

★★★★★

5 Read 74 reviews on Google

Source: Google Business Profile. Reflects this firm's listing, not individual advisers.

Richmond

FSPR Registered

FSP Number: FSP59941

NZBN: 9429031773522

Team Size: 5 advisers

Verify on FSPR

About Castle Trust Financial Planning Limited

What is Castle Trust Financial Planning Limited?

Castle Trust Financial Planning Limited is a financial services provider, based in Richmond, with 15 years on the FSPR register, and 5 appointed advisers on file.

How is Castle Trust Financial Planning Limited regulated?

Castle Trust Financial Planning Limited is registered on the Financial Service Providers Register (FSPR)as FSP59941, with first registration in 2011. Disputes are handled by Financial Services Complaints Limited. Verify on the FSPR register at fsp-register.companiesoffice.govt.nz.

What does Castle Trust Financial Planning Limited offer?

Castle Trust Financial Planning Limited's Public Disclosure Statement lists the following scope of advice: Personal insurance (life, trauma, income protection, mortgage protection, health), KiwiSaver investments, Investment portfolios including lump sum and regular savings, Personal lending including mortgages, QROPS investments (UK pension transfers). Refer to the original PDS for the binding scope.

Public Disclosure Statement highlights

Full PDS section ↓

Extracted from Castle Trust Financial Planning Limited's PDS dated 2026-05-24 · HTML source. View original.

Fee structure: mixed
Commission: Yes
Dispute scheme: FSCL
Panel: 34 providers
Services: 5 named
FAQs: 8 answered
Linked docs: 4

Scope of advice

Personal insurance (life, trauma, income protection, mortgage protection, health)
KiwiSaver investments
Investment portfolios including lump sum and regular savings
Personal lending including mortgages
QROPS investments (UK pension transfers)

Contact Information

Phone

03 544 1428

Email

Not available

Website

www.castletrust.co.nz

Address

278 Queen Street,Richmond,7020,New Zealand

About Castle Trust Financial Planning Limited

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Public Disclosure Statement

34 providers on panel

Castle Trust Financial Planning Limited files a Public Disclosure Statement under FMC Act 2013 s431 · last ingested 2026-05-24 · source format HTML.

→ View Castle Trust Financial Planning Limited's original disclosure page · FA-NZ mirror (Markdown) · facts.json

Fee structure: mixed
Receives commission: Yes — disclosed in PDS
Dispute resolution scheme: FSCL
Scope of advice (verbatim from PDS): Personal insurance (life, trauma, income protection, mortgage protection, health)
KiwiSaver investments
Investment portfolios including lump sum and regular savings
Personal lending including mortgages
QROPS investments (UK pension transfers)
Specialties: Mortgages
Income Protection
Trauma Insurance
Life Insurance
General Insurance
Kiwisaver
Investments
Lending
Retirement Planning

Hover any specialty to see its source. Self-attest takes priority; PDS-derived next; AI-classified last. For binding regulatory statements refer to the FAP's own current Public Disclosure Statement.

Distribution panel

Product providers Castle Trust Financial Planning Limited is appointed to distribute, grouped by product category. Counts show how many other NZ FAPs FA-NZ has on file as distributing the same provider.

Lending & Mortgages · 20

AIA +39
ANZ +37
BNZ +35
Westpac +34
ASB Bank +31
Pepper Money +21
DBR Property Finance +20
SBS Bank +11
Liberty Financial +11
Bank of China +9
Avanti Finance +8
China Construction Bank +6
Cressida +5
NZCU Baywide +4
Kiwibank +3
NBS +2
Southern Cross Partners +2
ASAP +2
Coop Bank
Industrial Commercial Bank of China

KiwiSaver · 3

Milford Asset Management +13
Mercer NZ +1
SuperLife

Investments & Funds · 3

i-Select +1
Consilium Platform
Synergy

Other products · 8

Partners Life +38
Southern Cross +24
Chubb +16
nib +10
Asteron Life +8
Tower Insurance +4
Fidelity Life +3
Aon

Verbatim quotes from Castle Trust Financial Planning Limited's PDS (6 fields cited)

Fees

“We have an initial three-meeting process for investment clients. Each meeting costs $100+GST and lasts about an hour. You can stop at any time. We charge a 1% establishment fee for funds invested.”

Commission

“For providing a client with insurance advice and the work involved in setting up a new policy, Castle Trust is paid initial commission from the insurance company used. Servicing commission is also paid over the years for providing ongoing advice. So there is normally no need for Castle Trust to charge clients when a new policy is taken out.”

Product panel

“We are able to use the products of almost any provider operating in the NZ market. These are the ones we currently choose to use.”

Conflicts of interest

“We also receive remuneration from some product providers such as commissions. We manage these conflicts of interest by ensuring that we prioritise your interests above our own. The advice we provide is based on understanding your goals and circumstances and providing recommendations which are based on research.”

Scope of advice

“We give advice in a range of different financial areas - complete financial plans or specific areas such as personal insurance, savings, investments, pension transfers or mortgages. We work as a team but all have areas where we specialise.”

Material relationships

“For general insurance referred to Aon, we receive 20% of the brokerage on new business and 10% on renewal. For general insurance referred to Tower, we receive 10% on new business and 5% on renewal.”

Verbatim spans extracted from the source PDS dated 2026-05-24. Each quote was substring-verified against the original document; spans that failed verification were dropped. View source.

Services this firm offers

Named service offerings extracted from Castle Trust Financial Planning Limited's PDS. Names are verbatim from the source document; descriptions and fee notes are AI-summarised — refer to the original PDS for binding wording.

personal insurance
Advisory

Advice on life, trauma, income protection, mortgage protection and health insurance products.

Fees: Initial and ongoing commission from insurer; review/second opinion service charged at $250+GST/hr.

For: retail
KiwiSaver investments
Advisory

Advice and ongoing management of KiwiSaver investments.

Fees: No setup fee when bundled with insurance advice; 0.5% p.a. ongoing fee deducted from funds.

For: retail
Investment portfolios including lump sum and regular savings
Advisory

Advice on investment portfolios, lump sum and regular savings plans.

Fees: Three meetings at $100+GST each; 1% establishment fee; 1% p.a. ongoing fee deducted from funds.

For: retail
Personal lending including mortgages
Advisory

Advice on arranging or re-arranging mortgages and personal lending.

Fees: Commission paid by lender; clawback fee up to $2,500 if mortgage cancelled/refinanced within 2 years.

For: retail
QROPS investments (for UK pension transfers)
Advisory

Advice on transferring UK pensions to New Zealand via QROPS investments.

Fees: No initial setup fee; 1% p.a. ongoing fee deducted from funds.

For: retail

FAQs from this firm's PDS

Common consumer questions answered in Castle Trust Financial Planning Limited's Public Disclosure Statement. Answers are verbatim spans from the source document, substring-verified at extract time.

What is the initial discussion process and is there a charge?

“The initial discussion is without advice, charge or commitment.”

How does Castle Trust get paid for insurance advice?

“For providing a client with insurance advice and the work involved in setting up a new policy, Castle Trust is paid initial commission from the insurance company used. Servicing commission is also paid over the years for providing ongoing advice. So there is normally no need for Castle Trust to charge clients when a new policy is taken out.”

What is the fee for the insurance review and second opinion service?

“We offer a review and second opinion service for clients with existing insurance not set up by Castle Trust who want to ensure their insurance is still the best fit for their needs. Our fee for this service is $250+GST per hour. If we find that the situation is more complex, we'll discuss with you and agree how to proceed.”

How does the investment and savings advice process work and what does it cost?

“We have an initial three-meeting process for investment clients. Each meeting costs $100+GST and lasts about an hour. You can stop at any time. We charge a 1% establishment fee for funds invested.”

What are the ongoing fees for investment products?

“This table outlines the ongoing charges for investment advice paid to Castle Trust by the product providers by deduction from the funds invested. | Product | Ongoing Fee | |---|---| | KiwiSaver | 0.5% p.a. | | UK pension transfers | 1% p.a. | | Investments | 1% p.a. |”

How does Castle Trust get paid for mortgage advice, and what is the clawback policy?

“For providing clients with mortgage advice and the work involved in arranging or re-arranging a mortgage Castle Trust is paid commission or fee by the lender. In some cases a small renewal commission may also be paid. So there is normally no need for Castle Trust to charge clients for their mortgage advice. The amount of the commission is based on the amount of the mortgage and the rate of each lender – these can be seen at the end of this document.”

What happens if a mortgage is cancelled or refinanced within two years?

“If a mortgage is cancelled or refinanced within two years of settlement, we must repay some or all of the commission we have received. This is known as a clawback. This means we have essentially done the work for no pay. We therefore reserve the right to charge a fee for our time if a clawback is incurred. The fee will be the estimated amount of hours the mortgage took at an hourly rate of $250 per hour, capped at $2,500.”

How does Castle Trust manage conflicts of interest?

“We manage these conflicts of interest by ensuring that we prioritise your interests above our own. The advice we provide is based on understanding your goals and circumstances and providing recommendations which are based on research. To ensure that our financial advisers prioritise our clients' interests above their own, we follow an advice process that ensures our recommendations are made on the basis of each client's goals and circumstances. All our staff are paid on an hourly or salary structure. They are not paid commission.”

Additional disclosure documents

Documents linked from Castle Trust Financial Planning Limited's PDS. URLs verified to appear in the source document at extract time; links may rot — verify with the firm before relying on a specific version.

kathryn@castletrust.co.nz · Complaints Process
fscl.org.nz · Complaints Process
complaints@fscl.org.nz · Complaints Process
admin@castletrust.co.nz · Other disclosure

Notes: Facts and product panel are LLM-extracted from the source document (confidence tier B). Verbatim quote block above is Sonnet-extracted then substring-verified against the source markdown. For the authoritative wording, view the original disclosure above. FSPR register entry. FA-NZ is a directory mirror, not a regulator.