Ms Financial Service Limited

Financial Services Provider

★★★★★

4.6 Read 9 reviews on Google

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

Auckland

FSPR Registered

FSP Number: FSP531246

NZBN: 9429042374565

Team Size: 7 advisers

Verify on FSPR

About Ms Financial Service Limited

What is Ms Financial Service Limited?

Ms Financial Service Limited is a financial services provider, based in Auckland, with 9 years on the FSPR register, and 7 appointed advisers on file.

How is Ms Financial Service Limited regulated?

Ms Financial Service Limited is registered on the Financial Service Providers Register (FSPR)as FSP531246, with first registration in 2016. Disputes are handled by Insurance & Financial Services Ombudsman Scheme Inc.. Verify on the FSPR register at fsp-register.companiesoffice.govt.nz.

What does Ms Financial Service Limited offer?

Ms Financial Service Limited's Public Disclosure Statement lists the following scope of advice: Health Insurance, Risk Insurance, Fire & General Insurance, Travel Insurance, International Student Insurance, Pet Insurance. Refer to the original PDS for the binding scope.

Public Disclosure Statement highlights

Full PDS section ↓

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

Fee structure: commission only
Commission: Yes
Dispute scheme: IFSO
Panel: 12 providers
Services: 4 named
FAQs: 1 answered
Linked docs: 3

Scope of advice

Health Insurance
Risk Insurance
Fire & General Insurance
Travel Insurance
International Student Insurance
Pet Insurance

Contact Information

Phone

027 692 2907

Email

Not available

Website

msfs.co.nz

Address

Unit H5, 14-22 Triton Drive,Rosedale,Auckland,0632,New Zealand

About Ms Financial Service Limited

Company profile coming soon

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Public Disclosure Statement

12 providers on panel

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

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

Fee structure: commission only
Receives commission: Yes — disclosed in PDS
Dispute resolution scheme: IFSO
Scope of advice (verbatim from PDS): Health Insurance
Risk Insurance
Fire & General Insurance
Travel Insurance
International Student Insurance
Pet Insurance
Specialties: Health Insurance
General Insurance
Life Insurance
Income Protection
Business Insurance

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 Ms Financial Service 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.

Life & Health Insurance · 4

Partners Life +39
AIA New Zealand Limited +3
Southern Cross Health Society +1
NIB New Zealand Limited

General Insurance · 5

Petcover +1
AON PLC
BLANKET LIMITED
Southern Cross Benefits Limited
Orbit

Other products · 3

Fidelity Life Assurance Company Limited +5
Asteron Life Limited +4
Chubb Life Insurance New Zealand Limited

Verbatim quotes from Ms Financial Service Limited's PDS (6 fields cited)

Fees

“We do not charge clients fees, expenses or any other amount for the financial advice we provide. You will not be invoiced or asked to pay any fees to us at any time, even if the engagement of services or the products placed through this engagement is terminated by either party.”

Commission

“Our financial advisers are independent contractors and are paid in the form of commissions from the product providers or insurers through which we place business. Typically, we receive an upfront initial commission of between **20%–35% of the premium** and an annual ongoing commission of between *[insert range]* for every year the premium is in force.”

Conflicts of interest

“We maintain registers of conflicts of interest and the gifts and incentives we receive. These registers are monitored regularly, and additional training is provided as required.”

Scope of advice

“We only provide financial advice about the following types of insurance products provided by the following product providers:”

Dispute resolution

“you can contact our external dispute resolution scheme, the **Insurance & Financial Services Ombudsman Scheme**. This scheme provides a free and independent dispute resolution service that may help to resolve your complaint if we haven't been able to do so to your satisfaction.”

Material relationships

“Our financial advisers are independent contractors and are paid in the form of commissions from the product providers or insurers through which we place business.”

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 Ms Financial Service 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.

Health Insurance
Advisory

Financial advice on health insurance products from AIA NZ, NIB NZ, Partners Life, and Southern Cross Medical Care Society.

Fees: No client fees; adviser paid via upfront commission (20–35% of premium) and ongoing annual commission from insurers.

For: retail
Risk Insurance
Advisory

Financial advice on risk/life insurance products from AIA NZ, Partners Life, Southern Cross, Chubb, Fidelity Life, and Asteron Life.

Fees: No client fees; adviser paid via upfront commission (20–35% of premium) and ongoing annual commission from insurers.

For: retail
Fire & General Insurance
Advisory

Financial advice on fire and general insurance products from AON PLC and Blanket Limited.

Fees: No client fees; adviser paid via upfront commission (20–35% of premium) and ongoing annual commission from insurers.

For: retail
Travel / International Student / Pet Insurance
Advisory

Financial advice on travel, international student, and pet insurance from Southern Cross Benefits, Orbit, and Petcover.

Fees: No client fees; adviser paid via upfront commission (20–35% of premium) and ongoing annual commission from insurers.

For: retail

FAQs from this firm's PDS

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

Does MS Financial Service Limited charge clients fees for financial advice?

“We do not charge clients fees, expenses or any other amount for the financial advice we provide. You will not be invoiced or asked to pay any fees to us at any time, even if the engagement of services or the products placed through this engagement is terminated by either party.”

Additional disclosure documents

Documents linked from Ms Financial Service 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.

Privacy Policy · Privacy Policy
Disclaimer · Other disclosure
IPP3A Schedule · 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.