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Best Financial Advisors in Auckland

We assessed 22 financial advisors in Auckland and ranked the top 5 on their public review record: rating quality, review volume and how recent the reviews are. The 10 listed below hold 3,087 Google reviews between them. No business can pay for a place in these rankings. Last updated 11 August 2026. How we rank →

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Before you hire

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 Auckland

The top 5 financial advisors in Auckland are Haven Financial Advisers, NZ Funds, Lighthouse Financial, Carrot Wealth, and Apex Advice Group, ranked by Top5 score. Scroll for our take on each, plus what to ask before you choose.

  • 1

    Haven Financial Advisers

    ★ 4.9 857 reviews +4 Top5 Score 199 +1
    5★ 816 4★ 31 3★ 1 2★ 1 1★ 8

    Haven Financial Advisers covers life insurance, health insurance, and KiwiSaver advice, with advisers who sit down to review existing cover and compare it against better-fitting alternatives at the same or lower cost. Clients frequently come away with a clearer understanding of what they are paying for, not just a new policy.

    Reviews most often describe: Families wanting tailored insurance and KiwiSaver guidance

    • ✓ Advisers compare existing policies against new options before recommending changes
    • ✓ Clients kept updated at each step throughout the application process
    • ✓ KiwiSaver changes made alongside insurance reviews in a single engagement

    location_on 22 Dundonald Street, Eden Terrace, Auckland

    map Map Is this your business?
  • 2

    NZ Funds

    ★ 4.9 586 reviews Top5 Score 195
    5★ 559 4★ 11 2★ 1 1★ 15

    NZ Funds covers KiwiSaver reviews, retirement planning, investment portfolio diversification, and international pension transfers, with advisers like Aryan, William, Reid, Joseph, and Sam working through each client's goals before making any recommendations. They are noted for translating complex investment scenarios into plain terms and providing future projections and targets, going further than most bank-held KiwiSaver options typically do.

    Reviews most often describe: Long-term investors wanting ongoing KiwiSaver and portfolio reviews

    • ✓ Advisers provide future projections and targets during KiwiSaver reviews
    • ✓ Complex international pension transfers guided through to completion
    • ✓ Long-term clients report ongoing support through volatile market periods

    location_on Level 16/21 Queen Street, Auckland CBD, Auckland

    map Map Is this your business?
  • 3

    Lighthouse Financial Services Auckland

    ↓ 1
    ★ 4.9 313 reviews Top5 Score 183 +1
    5★ 300 4★ 8 2★ 3 1★ 2

    Lighthouse Financial gets first-home buyers through to settlement and helps existing property owners restructure and refinance portfolios, with several advisers also reviewing insurance cover to find equivalent or better protection at a lower premium. Advisers like Michael, Ian, and Euan work through a clear step-by-step process, keeping clients informed at each stage and explaining decisions in plain terms.

    Reviews most often describe: First-home buyers and property investors restructuring mortgages

    • ✓ Mortgage advisers manage all bank communications on clients' behalf
    • ✓ Insurance reviews regularly result in lower premiums for same cover
    • ✓ First-home buyer seminars offered before clients formally engage

    location_on 10/23 Customs Street East, Auckland CBD, Auckland

    map Map Is this your business?
  • 4

    Carrot Wealth

    verified Verified
    ★ 4.8 338 reviews +1 Top5 Score 182 +1
    5★ 318 4★ 6 2★ 1 1★ 13

    Carrot Wealth walks people through KiwiSaver fund selection and financial goal-setting in plain terms, with advisers like Wei, Andy, and Tony known for breaking down complex concepts until clients feel confident in their decisions. Home visits and follow-up calls before appointments are part of how they bring new clients on board.

    Reviews most often describe: People new to KiwiSaver wanting face-to-face guidance

    • ✓ Advisers explain KiwiSaver fund options in plain, everyday language
    • ✓ Follow-up calls and home visits offered to new clients before joining
    • ✓ Multiple named advisers available across different Auckland areas

    location_on 25 Queens Road, Panmure, Auckland schedule Mon–Sun 9am–6pm

    language carrot.co.nz map Map verified View profile
  • 5

    Apex Advice Group, Auckland

    ↓ 2
    ★ 4.9 296 reviews +1 Top5 Score 181
    5★ 286 4★ 5 1★ 5

    Apex Advice Group gets first-home buyers to settlement across difficult situations, including complex lending cases, tight unconditional deadlines, and circumstances other lenders had previously found challenging. Advisers like Kym, Sook, and Ekta also cover health, life, and income insurance, regularly reviewing existing policies across multiple providers to simplify cover and reduce cost.

    Reviews most often describe: Complex first-home loans and insurance cases needing patient advocacy

    • ✓ Turns around mortgage approvals within two to three days when deadlines are tight
    • ✓ Advisers check in and guide clients during deposit-building months before purchase
    • ✓ Reviews existing insurance across multiple providers to consolidate and clarify cover

    location_on Eden 4 Level 1B/16 Normanby Road, Mount Eden, Auckland

    map Map Is this your business?

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Before you choose a financial advisor in Auckland

Drawn from 167 customer reviews collected for this page. The first answer is what it costs.

What does a financial advisor typically cost in New Zealand? expand_more

Fee structures fall into three main categories: hourly rates, fixed fees, and commission paid by product providers. Hourly rates run from around $150 to $400, while a comprehensive financial plan costs between $1,500 and $5,000. Mortgage and insurance advisers are often paid by commission from lenders or insurers, meaning no direct cost to you. 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 in New Zealand? expand_more

Licensing is mandatory under the Financial Markets Conduct Act 2013, with the Financial Markets Authority (FMA) responsible for issuing Financial Advice Provider (FAP) licences. Individual advisers must either hold their own FAP licence or operate under a licensed provider's authorisation, and they must meet competence standards set under the Code of Professional Conduct. You can verify any adviser or firm by searching the Financial Service Providers Register (FSPR) at the Companies Office website, which is free and publicly accessible. If an adviser cannot give you their FAP licence details or does not appear on the register, they cannot legally advise retail clients in New Zealand.

How do I know if the advice is tailored to my situation, or just a product recommendation? expand_more

Genuine tailoring starts with the adviser asking detailed questions about your income, goals, family situation, and existing cover before any product is mentioned. Reviews point to advisers who presented side-by-side comparisons of existing and new policies, or who outlined multiple fund and provider options, as the clearest signal that advice was personal rather than scripted. Under the Financial Markets Conduct Act 2013, an adviser must disclose any commission they receive from a product provider, so if that conversation never happens, treat it as a red flag.

What are the warning signs of a financial advisor you shouldn't use? expand_more
  • –Missed or cancelled appointments with no proactive follow-up, as seen in one case where a client was ghosted and told the adviser had been dismissed.
  • –Poor communication during disputes, including emails left unanswered for days or weeks and restricted access to your own financial records.
  • –Failing to notify clients of missed payments or policy issues over an extended period, even while still receiving commission on those policies.
  • –Sales pressure in public spaces or follow-up calls after a clear refusal, including insisting on taking contact details when someone has said no.
  • –Offering only one product or provider without explaining alternatives or the reasoning behind the recommendation.
  • –No clear explanation of how the adviser is paid before advice is given.
What should you ask before hiring a financial advisor? expand_more
  • –Ask which banks, insurers, or KiwiSaver providers they have access to, since a limited panel means you may not see the full market.
  • –Ask exactly how they are paid, including whether they receive commission, and request the disclosure statement before your first paid session.
  • –Ask whether they will present multiple options with pros and cons, or deliver a single recommendation.
  • –Ask what their process is when your circumstances change, such as a job loss, new dependants, or a shift in risk tolerance.
  • –Ask how often they will contact you after the initial setup, since several reviewers valued advisers who conducted annual reviews without being prompted.
  • –Ask whether they are licensed under a Financial Advice Provider (FAP) licence and confirm their name on the Financial Service Providers Register (FSPR) before signing anything.

Financial Advisors ranked 6 to 10 in Auckland

They scored below the top 5 on the same public review record.

  • 6

    Become Wealth - Auckland

    ↓ 1 verified Verified
    ★ 4.9 165 reviews Top5 Score 171 +1
    5★ 161 4★ 2 1★ 2

    Become Wealth coordinates mortgage structuring, investment property acquisition, and wealth-building strategy under one team, with advisers like Nik and Josh working together so clients get lending and long-term financial planning handled in the same relationship. Their approach is evidence-based and pressure-free, with multiple clients pointing to clear explanations at each decision point and advisers who retain an understanding of your situation across years, not just at settlement.

    Reviews most often describe: Property investors and first-home buyers wanting ongoing wealth-building support

    • ✓ Explains investment rationale at each step without using jargon or pressure
    • ✓ Coordinates mortgage and wealth strategy through a single integrated team
    • ✓ Maintains client context and relationship across multiple years and properties

    location_on 72 Taharoto Road, Takapuna, Auckland schedule Mon–Fri 8:30am–5pm · Sat–Sun Closed

    language become.nz call 05 082 32663 map Map verified View profile
  • 7

    Ascend Financial Services Limited

    ↓ 1
    ★ 5.0 135 reviews Top5 Score 169
    5★ 134 4★ 1

    Ascend Financial Services moves quickly on mortgage applications, KiwiSaver setup, and personal insurance, with advisers like Ben, Giorma, and Jess known for turning around complex and time-sensitive deals that other brokers had struggled to close. Clients regularly describe having financial scenarios explained in plain terms, giving them confidence to make decisions rather than simply sign off on what they are told.

    Reviews most often describe: Time-pressured buyers and complex lending cases needing speed

    • ✓ Breaks down complex insurance and lending details into plain English
    • ✓ Moves fast on tight timeframes including complex lending structures
    • ✓ Takes on cases other brokers were unable to progress successfully

    location_on 1/48 Broadway, Newmarket, Auckland

    map Map Is this your business?
  • 8

    KiwiSaver Adviser - National Capital

    ★ 4.9 183 reviews Top5 Score 167
    5★ 163 4★ 17 3★ 3

    National Capital focuses on KiwiSaver provider selection and fund choice, explaining options in plain terms to clients who describe themselves as financially uncertain or new to the process. Advice is tailored to individual circumstances rather than presented as a generic recommendation, and clients consistently leave with a clear understanding of why a particular fund suits their situation.

    Reviews most often describe: KiwiSaver beginners wanting clear, pressure-free fund advice

    • ✓ Explains KiwiSaver options without pressure to commit quickly
    • ✓ Advice pitched clearly for people with little financial background
    • ✓ Transparent reasoning behind each KiwiSaver fund recommendation

    location_on Princes Wharf, Auckland CBD, Auckland

    map Map Is this your business?
  • 9

    Nautilus Advisers

    ↓ 2
    ★ 5.0 117 reviews Top5 Score 164 +1
    5★ 116 4★ 1

    Nautilus Advisers helps people at early financial stages, covering KiwiSaver fund selection, retirement planning, and broader goal-setting, with adviser Cam known for translating complex concepts into straightforward, actionable steps. Clients across multiple years of engagement return for ongoing check-ins, pointing to a working relationship that develops alongside their changing goals rather than ending after the first appointment.

    Reviews most often describe: Young adults and families building long-term financial clarity

    • ✓ KiwiSaver fund selection explained in plain, easy-to-follow terms
    • ✓ Ongoing multi-year adviser relationships with regular follow-up sessions
    • ✓ Advice tailored to first-timers including young adults and first-home buyers

    location_on 1 Orbit Drive, Rosedale, Auckland

    map Map Is this your business?
  • 10

    Finance Matters

    ↓ 2
    ★ 5.0 97 reviews Top5 Score 161
    5★ 97

    Finance Matters gets first-home buyers through the full lending process and helps existing homeowners refinance or restructure their loans to reduce both interest costs and loan terms. Adviser Manoj walks clients through each step in plain terms, including details banks did not proactively share, and stays reachable for questions throughout.

    Reviews most often describe: First-home buyers and refinancers wanting free, hands-on guidance

    • ✓ Explains the full home loan process in plain terms at each stage
    • ✓ Helped multiple clients shorten loan terms and reduce total interest paid
    • ✓ Service is free to clients, with no cost for mortgage advice

    location_on 13 Louvain Avenue, Mount Roskill, Auckland

    map Map Is this your business?

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About this ranking

How are the top financial advisors in Auckland chosen? expand_more

We build this page from Google Maps results for financial advisors in Auckland. 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. See how we rank for the full method.

How often are rankings updated? expand_more

Every category and city is recrawled on a rolling cycle, about once a month. This page was last checked on 11 August 2026.

Can a business pay to appear in this list? expand_more

No. Top 5 and Also Recommended positions are merit-only and cannot be purchased. Verifying a business is free. A subscription adds a website link on the card, a public profile page, and competitor and ranking history in the owner's dashboard, none of which affects ranking position. See what a subscription includes.

Why isn't my business listed? expand_more

We build this page from Google Maps results for financial advisors in Auckland. 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. At the last update, the smallest review count among the 10 businesses listed here was 97. Check where you rank or read how rankings work.