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Here's What You'll Experience With A Financial Adviser:
Dynamic Financial Plan
As life changes, your plan should too. A financial adviser helps adjust it to fit your goals, so you're always prepared.
Dynamic Financial Plan
As life changes, your plan should too. A financial adviser helps adjust it to fit your goals, so you're always prepared.
They Work For You Not The Provider
They have many investment, lending, and insurance providers to pick from. They can help you find the right deal and support you when things go wrong.
They Work For You Not The Provider
They have many investment, lending, and insurance providers to pick from. They can help you find the right deal and support you when things go wrong.
Ongoing Support
Advisers will keep an eye on your products. If you need to change anything they will let you know.
Ongoing Support
Advisers will keep an eye on your products. If you need to change anything they will let you know.
They Set Things Up Right
Advisers set up your application correctly. For example with insurance, they get your health approved at the start. That way, the insurer agrees the terms upfront. So you have no surprises when you go to claim.
They Set Things Up Right
Advisers set up your application correctly. For example with insurance, they get your health approved at the start. That way, the insurer agrees the terms upfront. So you have no surprises when you go to claim.
FAQS
What exactly does a financial adviser do?
They will analyse your situation, find the right product, and justify it in a financial plan. It costs you nothing and they do all the research.
How are financial advisers paid (e.g., fees, commissions)?
Mortgage advisers get a percentage of the loan as a commission. It's the same price as using the bank directly.
Insurance advisers get a percentage of your annual premiums. It doesn't cost you extra.
Investment advisers get a commission or charge an ongoing fee to manage your money. The ongoing fee is on top of what the investment provider pays, the commission is not. They sometimes charge a plan writing fee ranging between $150 to $3000.
What are the disadvantages of having a financial advisor?
Advisers get a commission when you buy a product. That could make some push products you don’t need. Which only works in the short term. As legally they have to act in your best interests. If they don’t, they’ll lose their license.
Does a financial advisor invest your money for you?
Yes, if you choose to. Some advisers can manage your investments, like KiwiSaver, shares, or managed funds. Others just give advice and help you set things up yourself.
What is the difference between a financial adviser, an investment adviser, an insurance broker, and a mortgage broker in New Zealand?
Financial adviser – Can give advice on: investing, insurance, and lending.
Investment adviser – Helps you invest your money (KiwiSaver, Shares, managed funds)
Insurance adviser (insurance broker) – Helps you get insurance (life, health, income protection, car, home etc.).
Lending adviser (mortgage broker) – Helps you get a loan or a mortgage.
Some advisers are qualified to do more than one of these.
What kinds of products do financial advisers recommend or work with (e.g., investments, insurance, mortgages)?
KiwiSaver & Investments
Advisers help you:
-Choose the right KiwiSaver fund (growth vs conservative, fees, returns)
-Pick managed funds or portfolios for long-term investing
-Get advice on ethical, index, or diversified investment options
-Well-known KiwiSaver & investment providers they might use:
-Milford
-Booster
-Generate
-Simplicity
-Fisher Funds
-ANZ, ASB, BNZ, Westpac
Many advisers can compare these providers and recommend what fits your goals best.
Personal Insurance (Life, Income, Health etc.)
Advisers help you:
-Protect your family financially if you pass away or get seriously ill
-Avoid being underinsured or overpaying
-Get the best cover for your situation and budget
Well-known insurers in NZ:
-AIA
-Partners Life
-Fidelity Life
-Cigna
-Southern Cross
-Nib
-Accuro
Mortgages & Loans
Advisers (or mortgage brokers) help you:
-Get the best interest rate and terms from different banks
-Structure your loan to pay it off faster
-Refinance or top up your mortgage
Common lenders:
-ANZ
-ASB
-BNZ
-Westpac
-TSB
-SBS Bank
Some advisers also help first-home buyers with KiwiSaver withdrawals and grants.
General Insurance (Car, Home & Contents)
-Help you compare quotes from multiple insurers and make sure you have the right level of cover — especially for your home, car, or valuable contents.
-Well-Known General Insurers in NZ:
-AMI
-State
-Tower
-AA Insurance
-Vero
Is there an investment minimum to work with a financial adviser?
In most cases no. Only a few advisers have an investment minimum. So, you can invest as little as a $1 if you like.
How do you choose a financial adviser in New Zealand?
Step 1 - Decide what type of advice you want. Insurance, lending or investing.
Step 2 - Either use our service Find Advice or go to this website https://financialadvice.nz/. There are many advice directories. Financial Advice NZ is the largest. Then filter by your area and the advice you want. You can also search "Investment adviser" "Mortgage adviser" "Insurance adviser" on google maps.
Step 3 - Search their name on the Financial Service Providers Register (FSPR). If they’re not listed, they’re not qualified.
Step 4 - Check their website or ask for their disclosure statement. This shows their qualifications, who they work with, and how they get paid.
Step 5 - Meet with a few so you understand what good advice is. Then select the one you feel most comfortable with.
NB: The product provider doesn't restrict what advisers you can work with. You can change advisers if you need to.
What should I expect during a meeting with a financial adviser?
The first meeting is to get to know you. They will ask questions to understand your financial situation and your goals. They will then go away and research the right products for you. Every adviser must justify these recommendations in a financial plan. They will then meet with you again to go through it. If you're happy to proceed they will setup the application for you.
What happens if I'm unhappy with my financial adviser?
Let us know what you didn't like at [email protected]. This will inform us on whether we should continue working with the adviser. If you like, we can book you in with a different financial adviser.
How does Find Advice introduce me to a financial adviser?
I've called almost every adviser in New Zealand. We interviewed them on the podcast NZ Business Owners or online. We narrowed it down to a few competent advisers who share our values. When you opt in we give you a quick 2 minute call to find the right person for you. Then we book you in with them for a video call.
Are the financial advisers on your platform licensed and regulated in New Zealand
Yes, every adviser must be qualified. They must be part of a dispute resolution scheme (to handle complaints) and be on the Financial Service Providers Register. All advisers are legally bound to professional conduct standards.
Do you receive a commission or referral fee from the advisers you recommend?
There is no added cost to you for our service. The financial adviser pays us a referral fee. When you sign up for a product the adviser pays us 25% of their commission.
How do I contact the Find Advice team?
You can call Ryan directly on 0220827920 or email him at [email protected]
Disclaimer: We book you in with qualified financial advisers who give advice. We do not provide advice ourselves.