Ksg Limited

Financial Services Provider

★★★★★

4.8 Read 325 reviews on Google

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

Auckland

FSPR Registered

FSP Number: FSP706532

NZBN: 9429047813465

Team Size: 6 advisers

Verify on FSPR

About Ksg Limited

What is Ksg Limited?

Ksg Limited is a financial services provider, based in Auckland, with 6 years on the FSPR register, and 6 appointed advisers on file.

How is Ksg Limited regulated?

Ksg Limited is registered on the Financial Service Providers Register (FSPR)as FSP706532, with first registration in 2019. Disputes are handled by Financial Dispute Resolution Scheme. Verify on the FSPR register at fsp-register.companiesoffice.govt.nz.

What does Ksg Limited offer?

Ksg Limited's Public Disclosure Statement lists the following scope of advice: KiwiSaver, life insurance, health insurance. Refer to the original PDS for the binding scope.

Public Disclosure Statement highlights

Full PDS section ↓

Extracted from Ksg Limited's PDS dated 2026-05-24 · HTML source. View original.

Fee structure: commission only
Commission: Yes
Dispute scheme: FDRS
Panel: 4 providers
Services: 3 named
FAQs: 2 answered
Linked docs: 1

Scope of advice

KiwiSaver
life insurance
health insurance

Contact Information

Phone

Not available

Email

Not available

Website

www.carrot.co.nz

Address

25 Queens Road,Panmure,Auckland,1072,New Zealand

About Ksg Limited

Company profile coming soon

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Public Disclosure Statement

4 providers on panel

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

→ View Ksg Limited's original disclosure page · FA-NZ mirror (Markdown) · facts.json

Fee structure: commission only
Receives commission: Yes — disclosed in PDS
Dispute resolution scheme: FDRS
Scope of advice (verbatim from PDS): KiwiSaver
life insurance
health insurance
Specialties: General Insurance
Kiwisaver
Life Insurance
Health Insurance
Income Protection
Financial 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: KSG Limited trading as 'Carrot', licensed FAP (FSP706532)

Distribution panel

Product providers Ksg 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.

KiwiSaver · 2

Booster +20
NZ Funds +9

Life & Health Insurance · 2

AIA +39
nib +4

Verbatim quotes from Ksg Limited's PDS (7 fields cited)

Fees

“Carrot does not expect to charge you for the advice we provide. However, if a fee is payable, we'll discuss this with you before we charge it and confirm it in a statement of advice before the work is performed.”

Commission

“Carrot receives commission from the product providers if you take out insurance following advice from us. The amount of the commission varies between providers and is based on the product sold. It can include an initial commission and a servicing and renewal commission: - **Initial commission:** up to 220% for the first year's premium - **Renewal commission:** between 5% and 20% for each year the policy remains in force”

Product panel

“**KiwiSaver providers:** Booster & NZ Funds KiwiSaver Scheme **Life and health insurance providers:** AIA & Nib”

Conflicts of interest

“From time to time, product providers may also reward us for the overall business we provide to them. They may give us tickets to sports events, hampers, or other incentives.”

Scope of advice

“Carrot provides advice to our clients about their KiwiSaver, life insurance and health insurance.”

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 **Financial Dispute Resolution Service (FDRS)**.”

Material relationships

“We provide financial advice about products from certain providers and have gone through due diligence with research professionals. Our providers are reviewed regularly.”

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 Ksg 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
Advisory

Financial advice on KiwiSaver products from Booster and NZ Funds KiwiSaver Scheme.

Fees: No direct fee to client; ongoing commission from KiwiSaver provider for as long as Carrot helps manage the scheme.

For: retail
life insurance
Advisory

Financial advice on life insurance products from AIA and Nib.

Fees: No direct fee; initial commission up to 220% of first year's premium, renewal commission 5–20% per year.

For: retail
health insurance
Advisory

Financial advice on health insurance products from AIA and Nib.

Fees: No direct fee; initial commission up to 220% of first year's premium, renewal commission 5–20% per year.

For: retail

FAQs from this firm's PDS

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

Does Carrot charge fees for financial advice?

“Carrot does not expect to charge you for the advice we provide. However, if a fee is payable, we'll discuss this with you before we charge it and confirm it in a statement of advice before the work is performed.”

How does Carrot manage conflicts of interest?

“To ensure that our 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 advisers undergo annual training about how to manage conflicts of interest.”

Additional disclosure documents

Documents linked from Ksg 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.

Website Disclosure – KiwiSaver and Insurance (PDF) · Service Disclosure Statement

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.