Why professional advice matters — and where to find a qualified adviser near you
Only 28% of New Zealanders accessed financial advice in the past year, despite most people thinking about their finances at least weekly. The barriers are well-documented — cost, not knowing where to start, and uncertainty about whether an adviser is trustworthy. This page is designed to address all three: here is why advice matters, who provides it, and exactly where to find a qualified professional.
All financial advisers in New Zealand are regulated by the Financial Markets Authority (FMA) and must be registered on the Financial Service Providers Register (FSPR). Before engaging any adviser, you can verify their credentials for free using the FSPR link at the bottom of this page. Look for the licence type "Financial Advice Provider" (FAP) and confirm the adviser is currently licensed.
Independent perspectives from NZ journalists and regulators
FMA research finds only 28% of New Zealanders accessed financial advice in the past year. Affordability (31%), not knowing where to start (26%), and distrust of advisers (15%) are the top barriers — yet 63% of Kiwis think about their finances at least weekly. The FMA identifies technology-enabled and hybrid advice models as the most promising path to closing the gap.
Financial advice isn't just for the wealthy — it's valuable for anyone facing major decisions such as buying a home, choosing a KiwiSaver fund, planning for retirement, or managing debt. Consumer NZ explains what to look for in a quality adviser, how to verify their FMA licence, and the questions you should ask before signing anything.
A comprehensive plain-English guide covering what financial advisers do, when you might need one, and what they cost — ranging from $250 to $4,000 or more depending on the complexity of your situation. Also covers how advisers are paid (fees or commissions), and outlines free alternatives for those seeking simpler guidance.
These directories can help you find a qualified financial adviser in your area
The official adviser search tool run by Financial Advice New Zealand (FANZ), the professional body for financial advisers. Search by location, speciality, and adviser name. All advisers listed are FANZ members and FMA-registered.
Search advisersA directory of New Zealand financial professionals, including advisers, planners, and mortgage brokers. Browse by region or adviser type to find professionals near you.
Browse directoryAn independent directory of New Zealand financial advisers, searchable by location and service type. Includes adviser profiles, specialties, and contact details to help you find the right match for your situation.
Find an adviserAll legitimate financial advisers in New Zealand are registered on the Financial Service Providers Register (FSPR), maintained by the Companies Office. Before engaging any adviser, take 30 seconds to search their name and confirm they hold a current Financial Advice Provider (FAP) licence. If they are not on the register, do not proceed — they are operating illegally.
Check the FSPR Register