Independent Financial Advisers
Get truly unbiased financial advice from independent advisers who work solely in your best interests, without product bias or conflicts of interest.
Find Independent AdviserWhat Makes a Financial Adviser Independent?
Independent financial advisers are not tied to specific financial products or companies. They provide unbiased advice based solely on your needs and circumstances, without the influence of commissions or product sales targets that might affect their recommendations.
No Product Bias
Not tied to specific financial products or companies, ensuring recommendations are truly in your best interest.
Transparent Fees
Clear, upfront fee structure with no hidden commissions or conflicts of interest affecting advice quality.
Client-First Approach
Fiduciary duty to act in your best interests at all times, putting your financial wellbeing first.
Comprehensive Financial Planning Services
Comprehensive Financial Planning
Holistic approach covering all aspects of your financial life including budgeting, debt management, savings, and long-term goal planning.
Investment Management
Unbiased investment advice and portfolio management without product bias, focusing on your risk tolerance and objectives.
Retirement Planning
Strategic retirement planning including superannuation optimization, KiwiSaver advice, and retirement income strategies.
Tax Planning
Strategic tax planning to minimize tax burden and maximize after-tax wealth through legal and ethical strategies.
Risk Management
Comprehensive insurance planning and risk assessment to protect your family and assets against unforeseen circumstances.
Estate Planning
Ensure your wealth is transferred efficiently to beneficiaries while minimizing tax implications and legal complications.
Independent Adviser Fee Structures
Fee-for-Service
Pay for specific advice or services on an hourly or project basis
- • $200-$500 per hour
- • Fixed project fees
- • No ongoing obligations
Asset-Based Fees
Annual fee based on assets under management
- • 0.5% - 2% annually
- • Ongoing portfolio management
- • Regular reviews included
Retainer Model
Monthly or annual retainer for ongoing advice and support
- • $200-$1000 monthly
- • Unlimited consultations
- • Comprehensive planning
Independent vs Traditional Advisers
| Aspect | Independent Advisers | Traditional Advisers |
|---|---|---|
| Product Range |
Entire market access
| Limited to company products |
| Conflicts of Interest |
Minimal conflicts
| Potential commission bias |
| Fee Transparency |
Fully transparent
| May include hidden commissions |
| Advice Quality |
Unbiased recommendations
| May favor company products |
How to Choose an Independent Adviser
Key Questions to Ask
- Are you truly independent with no product affiliations?
- How are you compensated for your advice?
- What qualifications and experience do you have?
- Can you provide references from existing clients?
Red Flags to Avoid
- Pressure to make immediate decisions
- Reluctance to disclose fee structure
- One-size-fits-all recommendations
- Guarantees of specific returns
Experience Truly Independent Financial Advice
Work with independent financial advisers who put your interests first, providing unbiased advice without product bias or hidden agendas.