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Best Financial Advisors in Tauranga

We assessed 7 financial advisors in Tauranga and ranked the top 5 on their public review record: rating quality, review volume and how recent the reviews are. The 7 listed below hold 659 Google reviews between them. No business can pay for a place in these rankings. Last updated 7 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 Tauranga

The top 5 financial advisors in Tauranga are Karen Raggett, Real Savvy, Compound Wealth, WealthHealth, and JV Financial Services, ranked by Top5 score. Scroll for our take on each, plus what to ask before you choose.

  • 1

    Karen Raggett - Loan Market

    ★ 5.0 252 reviews +10 Top5 Score 180 +8
    5★ 249 4★ 3

    Karen Raggett gets first-home buyers and those with complicated lending situations to settlement, including offshore income cases, fixed-price build loans, and long multi-offer searches. She replies to messages quickly, sometimes early in the morning, and has pushed back successfully on bank decisions to remove conditions that did not apply to her clients.

    Reviews most often describe: First home buyers navigating complex or lengthy processes

    • ✓ Replies to questions rapidly, often outside standard business hours
    • ✓ Challenges bank decisions on behalf of clients when terms are incorrect
    • ✓ Stays engaged across multi-month processes when requirements change repeatedly

    location_on 2/162 Durham Street, Tauranga

    map Map Is this your business?
  • 2

    Real Savvy Financial Advice

    ★ 5.0 137 reviews Top5 Score 166 +2
    5★ 136 4★ 1

    Real Savvy coordinates mortgages, KiwiSaver moves, and personal or business insurance under one team, so clients shifting multiple financial arrangements at once are not bounced between providers. Rod works through complex refinancing and new builds, while Jet handles KiwiSaver and life insurance in a way clients describe as tailored to their values and stage of life rather than off-the-shelf.

    Reviews most often describe: Complex refinancing, KiwiSaver, insurance, and mortgage advice

    • ✓ Secured lending terms that bettered what clients' own banks offered
    • ✓ KiwiSaver placed to align with clients' personal values and life stage
    • ✓ Insurance reviewed to close gaps and reduce cost against existing policies

    location_on The Hatch 17/32-34 Turiwhatu Street, Papamoa Beach, Tauranga

    map Map Is this your business?
  • 3

    Compound Wealth

    ★ 5.0 119 reviews +1 Top5 Score 165 +3
    5★ 119

    Compound Wealth walks clients through KiwiSaver reviews, fund comparisons, and retirement planning with performance projections and plain-language explanations of technical detail. Adam works directly with clients rather than routing them through call centres, and takes time to match fund choices to individual goals and timelines before any switch is made.

    Reviews most often describe: KiwiSaver reviews and fund switching with personalised guidance

    • ✓ Explains KiwiSaver fund options clearly before recommending a switch
    • ✓ Provides personalised projections tied to each client's long-term goals
    • ✓ Switch process described as smooth and stress-free from start to finish

    location_on Unit 4/41 Newton Street, Mount Maunganui

    map Map Is this your business?
  • 4

    WealthHealth

    ★ 5.0 83 reviews Top5 Score 161 +3
    5★ 83

    WealthHealth covers home loans, retirement planning, and insurance, with Craig working through detailed scenario modelling and plain-language Statements of Advice that map cashflow, KiwiSaver, debt reduction, and investment strategy together. Clients dealing with drawn-out or complicated property transactions, including two-year purchase processes and short-notice settlements, point to Craig staying alongside them through every stage rather than handing off at the tricky points.

    Reviews most often describe: Clients wanting one adviser across mortgages, insurance, and retirement planning

    • ✓ Scenario modelling with plain-English explanation of risks and trade-offs
    • ✓ Stays involved through lengthy or complicated property purchase timelines
    • ✓ Sorts mortgage and insurance together in a single engagement

    location_on 2 Nicole Place, Papamoa Beach, Tauranga

    map Map Is this your business?
  • 5

    JV Financial Services Ltd

    ★ 5.0 39 reviews Top5 Score 148
    5★ 38 4★ 1

    JV Financial Services arranges travel, life, and personal insurance cover, finding policies matched to individual circumstances rather than defaulting to standard options. Jan takes it further by checking in proactively when clients' situations are still changing, and works across time zones without requiring clients to chase him for updates.

    Reviews most often describe: Clients needing tailored insurance cover with attentive follow-up

    • ✓ Explains policy details clearly so clients feel confident in their cover
    • ✓ Responds quickly and works around client schedules including time differences
    • ✓ Takes time to understand personal situation before recommending any policy

    location_on 22 Sunridge Estate, Welcome Bay, Tauranga

    map Map Is this your business?

Before you choose a financial advisor in Tauranga

Drawn from 84 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 models: hourly rates, fixed fees, and commissions paid by product providers. Hourly rates run from $150 to $400, while a full financial plan commonly costs between $1,500 and $5,000. Mortgage and insurance advisers are often commission-based, meaning the client pays nothing directly. Under the Financial Markets Conduct Act, any commission must be disclosed to you before advice is given.

Does a financial advisor need to be licensed in New Zealand? expand_more

Since March 2023, anyone providing financial advice to retail clients for payment must operate under a Financial Advice Provider (FAP) licence issued by the Financial Markets Authority. Individual advisers do not always hold their own licence; many operate as authorised advisers under a larger provider's FAP licence, which is a legitimate arrangement. You can verify any adviser's licensing status by searching the Financial Service Providers Register 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 that register, 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

Tailored advice starts with a thorough fact-find: reviewers highlight advisers who asked about personal goals, lifestyle, and financial position before presenting any options. One adviser was specifically praised for modelling multiple scenarios across cashflow, debt, KiwiSaver, and risk management before recommending a course of action. Under the Financial Markets Conduct Act, an adviser recommending a specific product must disclose any commission they receive from the provider, which helps you judge whether the recommendation is driven by your needs or their remuneration.

What are the warning signs of a financial advisor you shouldn't use? expand_more
  • –An adviser who presents only one option without explaining why alternatives were ruled out is not giving you the full picture.
  • –Vague or delayed responses to straightforward questions suggest you will struggle to get support when something goes wrong.
  • –Any adviser who cannot or will not provide their FAP licence number upfront is not legally authorised to advise you.
  • –Failure to ask about your personal goals, income, and existing financial products before recommending anything is a sign of generic rather than personalised advice.
  • –An adviser who does not explain how they are paid, whether by fee or commission, is breaching their disclosure obligations under NZ law.
  • –Little to no contact after the initial engagement is a pattern worth watching for; good advisers check in as your circumstances change.
What should you ask before hiring a financial advisor? expand_more
  • –Ask which banks, insurers, or investment providers they have access to, as a limited panel may restrict the options they can offer you.
  • –Ask exactly how they are paid, whether that is a flat fee, hourly rate, or commission from a product provider, and request the specific amounts in writing.
  • –Ask whether they will present multiple options with trade-offs explained, or whether they work to a single recommendation model.
  • –Ask what their process is when your situation changes mid-engagement, as some advisers in the reviews supported clients through 18-month journeys with shifting needs.
  • –Ask how often they will review your plan after the initial advice is delivered, particularly for insurance, KiwiSaver, and investment portfolios.
  • –Ask whether they hold their own FAP licence or operate under a provider's licence, and check their name on the Financial Service Providers Register before you sign anything.

Financial Advisors ranked 6 to 7 in Tauranga

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

  • 6

    Stuart Harris | Mortgages & Kiwisaver

    ★ 5.0 22 reviews +1 Top5 Score 141 +1
    5★ 22

    Stuart Harris secures mortgages and refinancing for clients whose circumstances sit outside the straightforward, including non-conventional income structures and first-home buyers starting from scratch. He coordinates referrals to lawyers, insurance contacts, and other specialists so clients are not left to piece together the process on their own.

    Reviews most often describe: Non-standard income or unconventional lending situations

    • ✓ Patiently works through complex or unconventional lending circumstances
    • ✓ Coordinates referrals to lawyers and other specialists during purchase
    • ✓ Clients describe feeling guided and confident through the full process

    location_on 30 Waipuna Grove, Welcome Bay, Tauranga

    map Map Is this your business?
  • 7

    Craigs Investment Partners Tauranga

    ★ 4.7 7 reviews Top5 Score 124
    5★ 6 3★ 1

    We generate summaries once a business has enough reviews for a reliable sample.

    location_on 158 Cameron Road, Tauranga

    map Map Is this your business?

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About this ranking

How are the top financial advisors in Tauranga chosen? expand_more

We build this page from Google Maps results for financial advisors in Tauranga. 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 7 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 Tauranga. 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 7 businesses listed here was 7. Check where you rank or read how rankings work.