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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. How we rank →

Last updated: 4 Aug 2026

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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, Lighthouse Financial, Apex Advice Group, Carrot Wealth, and Become Wealth, ranked by Top5 score. Scroll for our take on each, plus what to ask before you choose.

  • 1

    Haven Financial Advisers

    ★ 4.9 853 reviews +42 Top5 Score 198 +1
    5★ 812 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

    Lighthouse Financial Services Auckland

    ↑ 1
    ★ 4.9 313 reviews +18 Top5 Score 182 +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?
  • 3

    Apex Advice Group, Auckland

    ↑ 1
    ★ 4.9 295 reviews +5 Top5 Score 182
    5★ 285 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?
  • 4

    Carrot Wealth

    ↑ 1 verified Verified
    ★ 4.8 337 reviews +10 Top5 Score 181
    5★ 317 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

    Become Wealth - Auckland

    ↑ 1 verified Verified
    ★ 4.9 165 reviews +2 Top5 Score 170
    5★ 161 4★ 2 1★ 2

    Become Wealth pairs long-term investment strategy and KiwiSaver or savings planning with mortgage and lending advice, so clients buying investment properties or their first home get both sides of the picture in one place. Advisers like Josh and Nik are noted for mapping out a client's goals before suggesting any product, explaining the rationale behind each step rather than pushing toward a particular outcome.

    Reviews most often describe: Investment property buyers wanting integrated wealth and mortgage guidance

    • ✓ Wealth and mortgage advice coordinated together for property buyers
    • ✓ Advisers remember client circumstances and follow up over years
    • ✓ Complex lending situations explained step by step without jargon

    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

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Before you choose a financial advisor in Auckland

Common themes, pricing patterns, and watch-outs drawn from customer reviews and independent research.

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.

More top financial advisors in Auckland

The next five highest-scoring financial advisors in Auckland. Worth considering if your first choices aren't available.

  • 6

    Ascend Financial Services Limited

    ↑ 1
    ★ 5.0 135 reviews +3 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?
  • 7

    Nautilus Advisers

    ↑ 2
    ★ 5.0 117 reviews +1 Top5 Score 163
    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?
  • 8

    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?
  • 9

    Properli

    ★ 4.9 101 reviews Top5 Score 161
    5★ 96 4★ 1 3★ 1 1★ 3

    Properli guides complete beginners through mortgage finance, investment property selection, and insurance, with advisers like Sarah, Lisa, Rowena, and Shaun each covering different parts of the picture. Clients who arrived with little knowledge of the process regularly describe leaving with enough understanding to make confident decisions about both borrowing and long-term investment direction.

    Reviews most often describe: First-time buyers and beginners stepping into property investment

    • ✓ Advisers explain finance options step by step to first-time buyers
    • ✓ Investment property guidance given alongside mortgage finance advice
    • ✓ Clients describe feeling informed and supported through to settlement

    location_on 2 Princes Street, Auckland CBD, Auckland

    map Map Is this your business?
  • 10

    The Everyday Investor

    ★ 5.0 65 reviews Top5 Score 154
    5★ 65

    The Everyday Investor suits people who want a structured session to map and prioritise financial goals, covering investment strategy, retirement planning, and wealth-building direction. Darcy works through each goal methodically and follows up with a written report, so clients leave with specific next steps rather than general guidance.

    Reviews most often describe: People wanting structured, goal-focused wealth strategy sessions

    • ✓ Written report provided after each Sounding Board session
    • ✓ Works through each financial goal in turn before circling back to confirm coverage
    • ✓ Clients return for follow-up sessions as their goals progress

    location_on 167 Victoria Street West, Auckland CBD, Auckland

    map Map Is this your business?

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About this ranking

How are Auckland's top Financial Advisors chosen? expand_more

We assess every Financial Advisors business in Auckland against public ratings and review data using a consistent, published method. See how we rank for the full methodology. Top 5 and Also Recommended positions are merit-based and cannot be purchased. At the last update, scores in the top 5 ranged from 170 to 198 points.

How often are rankings updated? expand_more

Rankings are refreshed regularly. This list was last updated in 4 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. Verified businesses may be able to update their listing details in future, but this will never affect ranking positions.

Why isn't my Financial Advisors business listed? expand_more

We pull from local search results for each category and city. If you're missing, the most common reasons are an incorrect Google Business category or too few recent reviews. At the last update, the lowest-ranked business in the top 10 had 65 reviews. Check where you rank or read how rankings work.