Best Financial Advisors in New Zealand
We assessed 151 financial advisors in New Zealand and ranked the top 5 on public rating quality, review volume and how recent the reviews are. The businesses listed below hold 4,041 Google reviews between them. No business can pay for a place in these rankings. Last updated 30 September 2026. How we rank →
Before you hire
Whether you want investment advice, financial planning or wealth management, financial advisers in NZ must be licensed under the Financial Markets Conduct Act. Check their licence on the Financial Service Providers Register, ask how they are paid (fee-for-service or commission), and confirm they are required to act in your best interest, not just recommend suitable products.
Top 5 Financial Advisors in New Zealand
The top 5 financial advisors in New Zealand are #1 Haven Financial Advisers, #2 Finsol, #3 Carrot Wealth, #4 NZ Funds, and #5 Naked Finance, ranked by Top5 score. Scroll for our take on each, plus what to ask before you choose.
-
1
Haven Financial Advisers
★ 4.9 875 reviews Top5 Score 1995★ 833 4★ 32 3★ 1 2★ 1 1★ 8Haven Financial Advisers covers life and health insurance setup, KiwiSaver advice including child accounts, and mortgage guidance, with named advisers including Amy, George, Andrew, Chris, and Nigel each working through a client's full financial picture rather than a single product. Advisers explain policy terms and banking structures in plain language, and regularly schedule appointments around client availability rather than business hours.
location_on 22 Dundonald Street, Eden Terrace, Auckland
-
2
Finsol Financial Advisers Napier
verifiedVerified★ 5.0 629 reviews +8 Top5 Score 196 +25★ 611 4★ 15 1★ 3Finsol gets first-home buyers, refinancers, and investors through their goals across mortgage advice, KiwiSaver setup, and investment planning, with named advisers including Stuart, Emma, Gareth, Paul, Tom, and Samara each handling the full process from first question to settled outcome. Clients who arrived overwhelmed by the process describe it becoming straightforward, with advisers available across flexible hours and willing to explain things as many times as needed.
Reviews most often describe: First-home buyers wanting patient, guided end-to-end support
- ✓ Advisers explain every step until the process feels manageable
- ✓ Available outside business hours including evenings and overseas time zones
- ✓ Covers mortgage, KiwiSaver, and investment advice across the same team
location_on 9 Customs Quay, Ahuriri, Napier schedule Mon–Fri 8am–5pm · Sat–Sun Closed
-
3
Carrot Wealth
verifiedVerified ↑ 1★ 4.9 452 reviews +25 Top5 Score 194 +45★ 430 4★ 7 2★ 1 1★ 14Carrot Wealth walks clients through KiwiSaver reviews, fund switching, hardship applications, and insurance options, with named advisers including Tony, Stephen, Andy, Daniel, Alex, Tyson, and Wei each taking time to explain how KiwiSaver works until clients feel confident. Advisers regularly meet people in their homes or online at flexible hours, and several clients describe arriving with little understanding of KiwiSaver and leaving with a clear picture of their options.
Reviews most often describe: People wanting plain-language KiwiSaver reviews at home
- ✓ Advisers explain KiwiSaver in plain language until clients understand
- ✓ Home and online visits offered to fit around clients' schedules
- ✓ Multiple named advisers each handle the full process personally
location_on 25 Queens Road, Panmure, Auckland schedule Mon–Sun 9am–6pm
-
4
NZ Funds
↓ 1★ 4.9 592 reviews Top5 Score 1925★ 564 4★ 12 2★ 1 1★ 15NZ Funds works with clients across KiwiSaver planning, retirement investing, and broader portfolio diversification, with named specialists like Aryan, William, Reid, and Joseph running structured review calls that translate complex investment decisions into plain terms. For clients navigating trickier situations, such as international pension transfers, advisers stay involved through the full process rather than handing off once the paperwork starts.
location_on Level 16/21 Queen Street, Auckland CBD, Auckland
-
5
Naked Finance
verifiedVerified ↑ 1★ 5.0 321 reviews +4 Top5 Score 188 +15★ 314 4★ 5 1★ 2Naked Finance covers mortgage applications and refinancing, insurance cover selection, KiwiSaver and investment fund switching, and UK pension transfers to New Zealand, with named advisers including Elle, Matt, Liam, Jake, Lauren, and Sean each taking clients from first conversation through to a confirmed outcome. When a complication arose mid-refinance, the team resolved it without any impact to the lending, which gives a clear picture of how they handle pressure.
location_on 3 Boundary Road, Hobsonville, Auckland schedule Mon–Sun 7am–9pm
Before you choose a financial advisor in New Zealand
Drawn from 200 customer reviews collected for this page. The first answer is what it costs.
What does a financial advisor typically cost? expand_more
Fee structures fall into three main models: hourly rates, fixed fees, and commission from product providers. Hourly rates run from around $150 to $400, while a full financial plan commonly costs between $1,500 and $5,000.
Mortgage and insurance advisers often charge no direct fee, earning commission from lenders or insurers instead. Under the Financial Markets Conduct Act 2013, any commission must be disclosed to you before advice is given.
Does a financial advisor need to be licensed? expand_more
Licensing is mandatory for anyone providing financial advice to retail clients for payment in New Zealand. Every adviser must either hold their own Financial Advice Provider (FAP) licence issued by the Financial Markets Authority (FMA) or operate under a licensed employer's authorisation.
You can verify any adviser's status by searching the Financial Service Providers Register (FSPR) at the Companies Office website, which is free and publicly accessible. An adviser who cannot give you their FAP licence details or does not appear on that register is not legally permitted to advise you.
How do I know if the advice is tailored to my situation, or just a product recommendation? expand_more
Tailored advice starts with questions about your goals, risk tolerance, income, and family circumstances before any product is mentioned. Reviews highlight advisers who explained multiple options and walked clients through the differences, including for KiwiSaver, insurance, and mortgages, rather than presenting a single solution. Under FMA disclosure rules, an adviser must tell you what products they can recommend and what commission they receive, so if they only ever name one provider, ask directly whether they are limited to that option.
What are the warning signs of a financial advisor you shouldn't use? expand_more
- –An adviser who leads with one product or one provider without explaining why others were ruled out.
- –Pressure to refer friends or family in exchange for access to basic information or tools that competitors offer free.
- –Commission or remuneration that is not clearly explained before advice is given.
- –An adviser who sounds annoyed or dismissive when you decline or ask for time to think.
- –Poor communication after the first meeting, including being hard to reach when you have follow-up questions.
- –Advice that feels generic and does not reflect your age, income, risk profile, or specific goals.
What should you ask before hiring a financial advisor? expand_more
- –Which product providers and lenders do you have access to, and are there any you cannot recommend?
- –How are you paid, and can you show me the exact commission or fee amounts in writing before we proceed?
- –Will you present more than one option, and will you explain the trade-offs between them?
- –How often will you review my situation after the initial advice, and what triggers a proactive check-in from you?
- –What is your process if my circumstances change, for example a job loss, new dependant, or property purchase?
- –Can I verify your Financial Advice Provider licence on the Financial Service Providers Register (FSPR)?
Also recommended financial advisors in New Zealand
Ranked 6 to 10 on the same public review record.
-
6
MoneyGuide
verifiedVerified ↑ 2★ 4.9 284 reviews +3 Top5 Score 1845★ 274 4★ 8 2★ 1 1★ 1MoneyGuide moves clients from their current KiwiSaver provider to a better-matched one by comparing fund performance, fees, and individual factors like age, risk tolerance, and values before making a recommendation. Named advisers including Mike, Sam, Dave, Harrison, and James each handle the transfer process end to end, so clients describe little more than a phone call and a signature on their side.
location_on 7 Milford Road, Milford, Auckland schedule Mon–Fri 9am–5pm · Sat–Sun Closed
-
7
Apex Advice Group, Auckland
★ 4.9 304 reviews Top5 Score 1805★ 294 4★ 5 1★ 5Apex Advice Group takes clients through first-home purchases, property upgrades, mortgage refinancing, and life and health insurance reviews, with named advisers including Kym, Trish, Sagar, John, Christophe, Ekta, and Sook each working closely through every step. When clients changed direction mid-process, such as switching from a purchase to a renovation top-up, advisers stayed across the new situation and kept presenting clear options until the right outcome landed.
location_on Eden 4 Level 1B/16 Normanby Road, Mount Eden, Auckland
-
8
Finsol Financial Advisers North Shore
★ 5.0 188 reviews Top5 Score 1765★ 186 4★ 2Finsol North Shore secures home loans, business and personal insurance, health cover, and income protection claims, with named advisers including Paul, Samara, Amina, Danya, and Doug each staying involved from first conversation through to a resolved outcome. Where situations are genuinely complicated, such as self-employed income from overseas or non-standard lending, advisers keep working until the deal is done rather than redirecting clients elsewhere.
location_on 4B Bute Road, Browns Bay, Auckland
-
9
DUX Financial Services
★ 5.0 165 reviews Top5 Score 1715★ 165DUX Financial Services works across home loans, KiwiSaver, retirement planning, and insurance, with named advisers including Alan, Morgan, Thivakar, and Sam each building personalised plans around a client's specific goals and circumstances. After each meeting, advisers follow up with written summaries covering everything discussed, so clients leave with a clear record of their plan rather than just a conversation.
location_on 1/60 Cuba Street, Te Aro, Wellington
-
10
Resure Insurance & KiwiSaver Advisors
★ 5.0 231 reviews Top5 Score 1715★ 228 4★ 3Resure arranges health and life insurance, mortgage lending including first-home purchases and refinancing, and KiwiSaver guidance, with named advisers including Kyle, Jordan, Mitch, John, Matt, Harrison, and Bounty each building cover or lending solutions around a client's specific circumstances. Advisers regularly go beyond the initial brief, such as adding cancer cover mid-process or staying available on weekends through to settlement.
location_on 357 Selwyn Street, Addington, Christchurch
About this ranking
What the 10 financial advisors listed above hold, at the 30 September 2026 check.
We first assessed financial advisors in New Zealand in March 2026 and have rechecked the ranking six times since. Three different businesses have held first place; Haven Financial Advisers has held it since June 2026.
What has changed since March 2026? expand_more
- Sep 2026
Scoring method updated. Carrot Wealth entered the top 5, up from #9. Naked Finance returned to the top 5 at #5. MoneyGuide returned to the list at #6. Apex Advice Group returned to the list at #7. Finsol Financial Advisers North Shore, DUX Financial Services and Resure entered the list.
- Aug 2026
Finsol entered the top 5, up from #7. Carrot Wealth entered the list at #9.
- Jul 2026
Scoring method updated. Naked Finance left the top 5, down to #10. Finsol entered the list at #7.
- Jun 2026
Scoring method updated. New first place: Haven Financial Advisers. NZ Funds returned to the top 5, up from #7. Naked Finance returned to the top 5, up from #10.
- May 2026
NZ Funds left the top 5, down to #7. Naked Finance left the top 5, down to #10.
- Apr 2026
- Mar 2026
First check. Haven Financial Advisers #1.
How are the top financial advisors in New Zealand chosen? expand_more
This national page is built from our city rankings, so a business appears here only if it already ranks in one of the cities we cover. Each one is scored on its public rating and review record. Businesses outside the area, or whose reviews describe a different line of work, are left out, and a business whose main Google category is a different trade is held back until a person has checked what it does. A business whose website no longer resolves and that has had no Google review for six months is treated as dormant and left off the page until either changes. Every category and city is rechecked on a rolling cycle, about every two to three months. A location with a subscribing business is rechecked every month, and the whole page updates with it. See how we rank for the full method.
What does a business subscription offer? expand_more
No business can pay for a place in these rankings. Claiming and verifying a listing is free. It adds a phone number to the card and a small trust bonus (+3 points) to its score, for confirming a real operator stands behind the listing. The owner also gets a dashboard showing how their score is made up. A paid subscription provides an enhanced card with more ways to reach the business, including a website link and a detailed profile page. It also refreshes this page monthly and adds ranking history and competitor analysis to the owner's dashboard. The subscription adds nothing to the score. Claim your listing or see what a subscription includes.
Why isn't my business listed? expand_more
This national page is built from our city rankings, so a business appears here only if it already ranks in one of the cities we cover. The usual reasons for missing out are a Google Business category that does not match, too few reviews to score near the top, or an address outside the area we cover. Sometimes we miss a business that should be here. Check where you rank first. If you are not there and think you should be, get in touch.