Best Financial Advisors in Hamilton
We assessed 9 financial advisors in Hamilton and ranked the top 5 on public rating quality, review volume and how recent the reviews are. The businesses listed below hold 181 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 Hamilton
The top 5 financial advisors in Hamilton are #1 Windsor Wealth Management, #2 LifeCovered, #3 Moneyworks NZ, #4 Carricks Financial Partners, and #5 Simple Money Solutions, ranked by Top5 score. Scroll for our take on each, plus what to ask before you choose.
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1
Windsor Wealth Management
↑ 1★ 5.0 48 reviews Top5 Score 152 -15★ 47 4★ 1Windsor Wealth Management brings together UK pension transfers, KiwiSaver setup, mortgage applications, and insurance under one team, making them a practical one-stop option for immigrants arriving with complex financial histories. Brett and Aimee are repeatedly noted for responding quickly to questions of any size and for making unfamiliar financial territory straightforward to understand.
location_on 526 Victoria Street, Hamilton Central, Hamilton
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2
LifeCovered
★ 4.9 46 reviews Top5 Score 1475★ 44 3★ 1 1★ 1LifeCovered helps clients sort life insurance, health cover, trauma insurance, income protection, and KiwiSaver, with advisers Sol, Willi, and Adel each noted for presenting options side by side and pointing out pitfalls rather than pushing particular products. Clients repeatedly describe leaving conversations with a clear picture of what they are actually buying and why it fits their budget and situation.
location_on 660 Victoria Street, Hamilton Central, Hamilton
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3
Moneyworks NZ Ltd - Ethical investing for your retirement
★ 4.9 30 reviews Top5 Score 1425★ 26 4★ 4Moneyworks NZ builds decade-long relationships focused on retirement planning, investment management, and ethical investing, with advisors who tailor every recommendation to individual circumstances rather than applying a standard approach. Carey and Paul are noted for plain-language explanations that make complex financial concepts accessible, paired with regular check-ins that keep clients on track toward their goals.
location_on 7C Hall Street, Cambridge
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4
Carricks Financial Partners for life
★ 4.9 21 reviews Top5 Score 1375★ 19 4★ 2Carricks Financial Partners covers insurance setup, KiwiSaver reviews, and life and income protection for both personal and business clients, coming to clients at home rather than requiring office visits. Nick, Paul, Sally, and Gemma are each noted for walking clients through options without sales pressure, including people starting from scratch after major life changes like divorce or a move to New Zealand.
location_on 357 Racecourse Road, RD 1, Cambridge
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5
Simple Money Solutions - Mortgage, Loans & Insurance Advice
↓ 2★ 5.0 12 reviews Top5 Score 131 -15★ 12Simple Money Solutions takes on first-home buyer cases that other brokers have declined, including applicants with only a 5 percent deposit who had run out of options. Adviser Dedar structures mortgages to cut years off debt repayment and keeps clients informed about market conditions throughout, rather than just getting the paperwork over the line.
location_on 23 De Vere Crescent, Chartwell, Hamilton
Before you choose a financial advisor in Hamilton
Drawn from 64 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
Mortgage and insurance advisors in Hamilton are often paid by commission from lenders or insurers, meaning no direct cost to you. Hourly rates for fee-based advice run from $150 to $400, while a full financial plan can cost $1,500 to $5,000 as a flat fee.
KiwiSaver and investment advice may use a combination of flat fees and ongoing percentage-based fees. Under the Financial Markets Conduct Act 2013, any commission or fee 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: anyone giving financial advice to retail clients for payment must hold or operate under a Financial Advice Provider (FAP) licence issued by the Financial Markets Authority (FMA). Individual advisers can either hold their own FAP licence or work as a Financial Adviser under a licensed employer's authorisation.
You can check whether an adviser or their firm is properly licensed by searching the Financial Service Providers Register (FSPR) at the Companies Office website. If an adviser cannot produce their FAP licence details or does not appear on the FSPR, they are 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
Reviewers repeatedly noted advisers who took time to understand their full circumstances before presenting options, including complex situations like overseas employment or holding two properties at once. Tailored advice shows up in the process: an adviser should ask detailed questions about your income, debts, goals, and timeline before naming any product or lender. Under the Financial Markets Conduct Act 2013, an adviser recommending a product must disclose any commission they receive from that product provider, which helps you judge whether their recommendation follows your needs or their incentive.
What are the warning signs of a financial advisor you shouldn't use? expand_more
- –An adviser who skips detailed questions about your income, debts, and goals and moves straight to a single product recommendation is not conducting a proper fact-find.
- –Refusal or reluctance to explain how they are paid, including any commissions from lenders or insurers, is a red flag and a breach of disclosure obligations under the Financial Markets Conduct Act 2013.
- –Poor responsiveness after the initial meeting is a signal to watch for: reviewers valued advisers who remained reachable throughout the entire process, not just at sign-up.
- –An adviser who presents only one lender or one product without explaining why other options were ruled out is limiting your ability to make an informed decision.
- –Vague or jargon-heavy explanations, rather than plain-language breakdowns of each step, suggest the adviser is not genuinely focused on your understanding.
What should you ask before hiring a financial advisor? expand_more
- –Ask how many lenders or product providers they have access to, as some advisers are limited to a panel and cannot access the full market.
- –Ask exactly how they are paid, including the commission rate or dollar amount from any lender or insurer, as disclosure of this is a legal requirement under the Financial Markets Conduct Act 2013.
- –Ask whether they will present more than one option and explain the trade-offs, rather than simply recommending a single solution.
- –Ask how often they will check in after the initial engagement and what their process is if your financial situation changes mid-application or after settlement.
- –Ask whether they hold their own Financial Advice Provider (FAP) licence or work under another firm's licence, then verify this on the Financial Service Providers Register (FSPR) before signing anything.
Also recommended financial advisors in Hamilton
Ranked 6 to 9 on the same public review record.
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6
Apex Advice Group, Hamilton
★ 4.6 9 reviews Top5 Score 1235★ 8 1★ 1Apex Advice Group covers health insurance, KiwiSaver, and first-home mortgages, with named advisers handling each area so clients are matched to someone who knows their specific product well. Advisers step through the detail in person with clients rather than leaving them to interpret paperwork on their own, which suits people working through unfamiliar financial decisions for the first time.
location_on 210 Collingwood Street, Hamilton Lake, Hamilton
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7
Smart Money Advice
★ 5.0 5 reviews Top5 Score 1205★ 5Smart Money Advice covers KiwiSaver fund selection, life insurance, and investment portfolio building, with adviser Janet taking time to understand each client's financial goals before making recommendations. Clients who have worked with her over many years point to her networks as a practical resource that helped them take steps they could not have taken on their own.
location_on 516 Pickering Road, Matangi, Tamahere
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8
Craigs Investment Partners Hamilton
↓ 4★ 4.2 5 reviews Top5 Score 1155★ 4 1★ 1Craigs Investment Partners is a strong fit for people new to investing, with staff who take time to bring clients up to speed rather than assuming prior knowledge. Named adviser Dwight and the wider team draw repeat mentions for building confidence alongside portfolios, with clients returning over many years.
location_on Level 2/32 Hood Street, Hamilton Central, Hamilton
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9
NZHL (NZ Home Loans) - Melville
★ 4.2 5 reviews Top5 Score 745★ 4 1★ 1NZHL Melville gets first-home buyers through the mortgage process, with advisers Randel and Cyril coordinating everything end-to-end while banks are still catching up. Clients who were anxious about finance approval describe being kept informed at every stage and coming away feeling at ease rather than left to chase updates themselves.
location_on 35 Normandy Avenue, Melville, Hamilton
About this ranking
What the 9 financial advisors listed above hold, at the 30 September 2026 check.
We first assessed financial advisors in Hamilton in March 2026 and have rechecked the ranking four times since. Three different businesses have held first place; Windsor Wealth Management has held it since September 2026. Windsor Wealth Management has been in the top 5 at every check. Across the 10 locations we assess financial advisors in, the 84 businesses listed have a median rating of 5.0, and one-star reviews are 1.2% of their total.
What has changed since March 2026? expand_more
- Sep 2026
Scoring method updated. Windsor Wealth Management returned to first place. LifeCovered entered the top 5 at #2. Carricks Financial Partners entered the top 5 at #4. Simple Money Solutions entered the top 5 at #5. Apex Advice Group returned to the list at #6. Smart Money Advice and NZHL Melville entered the list, at #7 and #9.
- Aug 2026
- Jun 2026
Moneyworks NZ entered the top 5 at #5.
- Apr 2026
Scoring method updated. Apex Advice Group entered the top 5 at #5.
- Mar 2026
First check. Windsor Wealth Management #1.
How are the top financial advisors in Hamilton chosen? expand_more
We build this page from Google Maps results for financial advisors in Hamilton. 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
We build this page from Google Maps results for financial advisors in Hamilton. 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.