Chris MacKay Financial Planning Limited

Financial Services Provider

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Lower Hutt

FSPR Registered

FSP Number: FSP9821

NZBN: 9429040779508

Team Size: 5 advisers

Verify on FSPR

About Chris MacKay Financial Planning Limited

What is Chris MacKay Financial Planning Limited?

Chris MacKay Financial Planning Limited is a financial services provider, based in Lower Hutt, with 15 years on the FSPR register, and 5 appointed advisers on file.

How is Chris MacKay Financial Planning Limited regulated?

Chris MacKay Financial Planning Limited is registered on the Financial Service Providers Register (FSPR)as FSP9821, with first registration in 2010. Disputes are handled by Insurance & Financial Services Ombudsman Scheme Inc.. Verify on the FSPR register at fsp-register.companiesoffice.govt.nz.

What does Chris MacKay Financial Planning Limited offer?

Chris MacKay Financial Planning Limited's Public Disclosure Statement lists the following scope of advice: KiwiSaver, Investments, Mortgages, Life insurance, Health insurance, Retirement Planning. Refer to the original PDS for the binding scope.

Public Disclosure Statement highlights

Full PDS section ↓

Extracted from Chris MacKay Financial Planning Limited's PDS dated 2026-05-24 · PDF source. View original.

Fee structure: mixed
Commission: Yes
Dispute scheme: IFSO
Panel: 33 providers
Services: 7 named
FAQs: 7 answered
Linked docs: 2

Scope of advice

KiwiSaver
Investments
Mortgages
Life insurance
Health insurance
Retirement Planning
Wealth Management

Contact Information

Phone

Not available

Email

Not available

Website

Not available

Address

121 Woburn Road,Lower Hutt,0000,New Zealand

About Chris MacKay Financial Planning Limited

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Public Disclosure Statement

33 providers on panel

Chris MacKay Financial Planning Limited files a Public Disclosure Statement under FMC Act 2013 s431 · last ingested 2026-05-24 · source format PDF.

→ View Chris MacKay Financial Planning Limited's original disclosure PDF · FA-NZ mirror (Markdown) · facts.json

Fee structure: mixed
Receives commission: Yes — disclosed in PDS
Dispute resolution scheme: IFSO
Scope of advice (verbatim from PDS): KiwiSaver
Investments
Mortgages
Life insurance
Health insurance
Retirement Planning
Wealth Management
Specialties: Kiwisaver
Investments
Mortgages
Life Insurance
General Insurance
Health Insurance
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.
Ownership: Chris MacKay is the sole Director of Chris MacKay Financial Planning Limited (CMFP).

Distribution panel

Product providers Chris MacKay 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 · 13

ANZ +38
BNZ +36
Westpac +35
ASB Bank +32
Avanti Finance +27
Heartland Bank +24
SBS Bank +24
Cressida Capital +22
ASAP Finance +18
Bank of China +10
Bluestone +9
The Co-operative Bank +3
DBR Finance +1

KiwiSaver · 9

Generate +21
Fisher Funds +9
Milford Asset Management +2
Lifetime Asset Management +1
AMP Wealth Management
ANZ Investments/OneAnswer
Booster
NZ Funds
Summer KiwiSaver

Life & Health Insurance · 9

AIA +40
Partners Life +39
Fidelity Life +35
Asteron Life +26
Southern Cross +25
Chubb Life +14
Resolution Life +9
nib +5
DPL Insurance

Investments & Funds · 2

Select Wealth Management +3
Synergy Investments +1

Verbatim quotes from Chris MacKay Financial Planning Limited's PDS (7 fields cited)

Fees

“We may charge a fee for preparing Personal or Business Insurance Plans or Investment or Retirement Plans, to a maximum of $4,000 plus GST. We will agree the amount or basis of the calculation of any fee payable upfront and confirm the amount in our Scope of Engagement.”

Product panel

“Certain CMFP advisers (see page 3) provide advice to clients about their KiwiSaver Plans, Investments, Mortgages, Life insurance, Health insurance, Retirement Planning and Wealth Management. Not all our advisers provide all these types of financial advice, or deal with all the following companies.”

Conflicts of interest

“Chris MacKay is the sole Director of CMFP. Chris MacKay or a Trust of which Chris MacKay or George MacKay is a beneficiary, owns shares directly, indirectly, or beneficially in AMP, Booster, Fidelity Life, Retirement Income Group Ltd, ANZ (owner of OneAnswer Ltd), Suncorp (owner of Asteron and Vero), and Rothbury Wellington Holdings Ltd.”

Scope of advice

“Certain CMFP advisers (see page 3) provide advice to clients about their KiwiSaver Plans, Investments, Mortgages, Life insurance, Health insurance, Retirement Planning and Wealth Management. Not all our advisers provide all these types of financial advice, or deal with all the following companies.”

Dispute resolution

“If we can't resolve your complaint, or you aren't satisfied with the way we propose to do so, you can contact our dispute resolution service, Insurance and Financial Services Ombudsman.”

Ownership

“Chris MacKay is the sole Director of CMFP. Chris MacKay or a Trust of which Chris MacKay or George MacKay is a beneficiary, owns shares directly, indirectly, or beneficially in AMP, Booster, Fidelity Life, Retirement Income Group Ltd, ANZ (owner of OneAnswer Ltd), Suncorp (owner of Asteron and Vero), and Rothbury Wellington Holdings Ltd.”

Material relationships

“If we refer any fire and general insurance business to Rothbury Insurance Brokers, they may pay our firm or individual contractors a percentage of any commission they are paid.”

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 Chris MacKay 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.

KiwiSaver Plans
Advisory

Advice on KiwiSaver plans from a range of approved providers, with ongoing adviser fees paid via the product provider.

Fees: Ongoing adviser fee/trail commission of 0.20%–1.05% pa on funds invested; upfront fee up to $250 from some providers.

For: retail
Investments
Advisory

Advice on investment products through approved fund managers and platforms.

Fees: Ongoing adviser fee/trail commission of 0.20%–1.05% pa; possible 1.00% exit fee on total funds withdrawal.

For: retail
Mortgages
Advisory

Advice and arrangement of mortgage and lending products from a panel of approved lenders.

Fees: Lender commission of 0.60%–0.85% of mortgage arranged; trail commission 0.0%–0.20% pa; possible additional fee for complex loans.

For: retail
Life insurance
Advisory

Advice on life, trauma, TPD and income protection insurance from approved providers.

Fees: Commission from insurers: 30%–230% of first year's premium upfront; 5%–50% ongoing.

For: retail
Health insurance
Advisory

Advice on medical and health insurance products from approved providers.

Fees: Commission from insurers; Southern Cross pays approx. $140 per member per year on renewal.

For: retail
Retirement Planning
Advisory

Advice on retirement planning strategies and products.

Fees: Planning/advice fee up to $4,000 plus GST; or commission/trail depending on products implemented.

For: retail
Wealth Management
Advisory

Comprehensive wealth management advice covering investments, superannuation and related products.

Fees: Ongoing adviser fee/trail commission on funds under management; planning fee up to $4,000 plus GST where applicable.

For: retail

FAQs from this firm's PDS

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

What types of financial advice does CMFP provide?

“Certain CMFP advisers (see page 3) provide advice to clients about their KiwiSaver Plans, Investments, Mortgages, Life insurance, Health insurance, Retirement Planning and Wealth Management. Not all our advisers provide all these types of financial advice, or deal with all the following companies.”

What fees may be charged for planning and advice?

“We may charge a fee for preparing Personal or Business Insurance Plans or Investment or Retirement Plans, to a maximum of $4,000 plus GST. We will agree the amount or basis of the calculation of any fee payable upfront and confirm the amount in our Scope of Engagement.”

How can I make a complaint?

“If you are not satisfied with our financial advice service, you can make a complaint by emailing office@mackay.co.nz, or by calling: 04 570 2233 or 0800 622 529. You can also write to us at: PO Box 31-440, Lower Hutt 5040.”

What happens if CMFP cannot resolve my complaint?

“If we can't resolve your complaint, or you aren't satisfied with the way we propose to do so, you can contact our dispute resolution service, Insurance and Financial Services Ombudsman. Insurance and Financial Services Ombudsman provides a free, independent dispute resolution service that may help investigate or resolve your complaint if we haven't been able to resolve your complaint to your satisfaction.”

What commission does CMFP receive for insurance products?

“Typically, for Insurance work, we are remunerated by way of commissions received directly from product providers.”

What commission does CMFP receive for mortgage products?

“Typically, mortgage lenders pay us commission of between 0.60% and 0.85% of the mortgage arranged and a trail commission after 12 months of 0.0% pa- to 0.20% pa of the reduced principal owing. When we are assisting with a complex loan, we may charge an additional fee. This would be fully disclosed and discussed.”

What adviser fees does CMFP receive for KiwiSaver, superannuation or investment products?

“Typically, KiwiSaver and Superannuation providers or Fund Managers pay us a monthly adviser fee or trail commission (all fully disclosed when products are recommended) of between 0.20% pa and 1.05% pa based on the funds that are invested. Some KiwiSaver providers also pay an upfront fee of up to $250.”

Additional disclosure documents

Documents linked from Chris MacKay 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.

Meet the Team · Other disclosure
Financial Markets Authority website · 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.