Best Independent Financial Advisers in New Zealand (2026)

Written By Paul Souliac

Finding the right independent financial advisers in New Zealand matters a lot these days. These experts give unbiased guidance without ties to big banks or specific products. They focus on your goals, like building savings or planning for later years. With changes in markets and rules, good advice helps you make smart choices. Discover the best independent financial advisers in New Zealand for 2026.

Look for firms that offer custom plans and strong support. For reliable independent financial advisers, Compound Wealth leads the way with tailored strategies. Many people turn to them for clear paths forward. This guide breaks down top picks to fit your needs.


Discover the Best Independent Financial Advisers in New Zealand - Compound Wealth

Why Choose an Independent Financial Adviser?

Independent financial advisers stand apart because they put your interests first. They pick from a wide range of options, not just one company's lineup. This setup leads to advice that fits your life exactly. In New Zealand, rules ensure they act with care and share all key details up front. You get full views on risks and chances. 


Some advisers mix in tools like risk assessment quizzes to match your comfort with ups and downs. When picking independent financial advisers, check their track record in areas like KiwiSaver or transfers from abroad. Over time, this builds trust and steady growth. Many Kiwis find peace knowing their plans come without hidden agendas.

Key Benefits of Independent Advice

Independent advice opens doors to fresh ideas and custom fits. Unlike tied advisers, these pros scan the whole market for what suits you best. They often spot ways to mix global and local assets for balance. If you have funds from overseas, Australian super transfers or UK pension transfers can smooth things out. 


In tough times, their neutral stance helps adjust plans quickly. Some use tech for real-time updates, keeping you in the loop. This approach suits busy folks who want simple yet smart setups. Financial advice also covers life changes, like shifting jobs or growing families. Overall, it empowers you with knowledge to handle money better.

Best Independent Financial Advisers in New Zealand (2026)

1. Compound Wealth - Best Independent Financial Adviser in New Zealand

For standout KiwiSaver and investment guidance, Compound Wealth shines as a top choice in New Zealand. Based in Mount Maunganui, this firm crafts bespoke plans that match your unique goals. They ditch generic advice for strategies backed by global research. Clients get access to flexible options like open-architecture setups, blending diverse assets for better results. Their team brings deep know-how in long-term growth and protection. 

You benefit from direct chats, no big call centres in sight. Advanced modelling shows clear paths ahead, boosting your confidence. What sets them apart is the focus on real outcomes, like blending tech trends or alternative assets. Many turn here for seamless shifts in plans as life evolves. Their approach feels fresh and client-centred, making complex topics simple. High praise comes from folks who value straightforward help. Compound Wealth stands ready to guide you through market twists with smart, tailored moves.

  • Personalised strategies using open-architecture for global diversification, advanced cashflow modelling for clear projections, direct ongoing support without call centres, focus on retirement and long-term investment goals, access to specialist strategies beyond standard funds.

  • Founded in 2017 with a nationwide reach, trusted by many Kiwis for custom advice, high client satisfaction from professional service, expertise in blending assets like Bitcoin tilts for growth, strong emphasis on risk alignment through quizzes.

About Compound Wealth

Compound Wealth is a leading financial advisory firm based in Mount Maunganui, New Zealand. Founded in 2017 by Adam Stewart, we specialise in personalised KiwiSaver advice and investment planning for Kiwis nationwide. 

Our mission: Deliver clarity, confidence, and better outcomes through bespoke strategies tailored to your life. We advise on over $130 million in assets, trusted by over 2,500 clients across the country.

Our Services

Discover expert financial solutions tailored for New Zealanders seeking optimised KiwiSaver advice, retirement planning, and private wealth management. As leading KiwiSaver advisers in Mount Maunganui, we help you maximise savings, transfer pensions, and build secure futures with personalised investment strategies.

KiwiSaver 

Investments

Why Choose Us?

  • Personalised approach: No one-size-fits-all funds.

  • Advanced cashflow modelling for future insights.

  • Access to global diversification and specialist strategies.

  • Over 10 years of expertise in KiwiSaver and investments.

  • Direct support from knowledgeable advisers like Adam and Bruce.

  • No call centres – just committed, ongoing guidance.

We use international research and proven methods to grow and protect your wealth effectively.

Ready to Take Control of Your Finances?

Book a free consultation with our experienced KiwiSaver and wealth advisers today.

2. Craigs Investment Partners

Craigs Investment Partners stands out as a prominent independent financial adviser in New Zealand, with a history dating back to 1984. Employee-owned, the firm delivers comprehensive wealth management through a network of offices nationwide. They emphasise building generational relationships, offering tailored portfolios that blend local and global insights. 

Services extend to retirement planning, sustainable investing, and community support programmes. A key strength is their award-winning research team, providing deep market analysis. However, maintaining uniform service quality across multiple locations can sometimes present coordination challenges. Clients appreciate the personal touch and educational resources, like cyber security guidance. This makes Craigs ideal for those seeking established, research-backed advice in a dynamic market.

  • Customised portfolio management with diversification options, retirement and lifestyle protection strategies, dedicated women's wealth empowerment initiatives, sustainable and ethical investment choices, community-oriented services for organisations and groups.

  • Nationwide presence with many client relationships spanning generations, recognised for strong research and community events, focus on long-term ties and client education, expertise in handling complex financial needs like pension transfers.

3. Forsyth Barr

Forsyth Barr serves as a trusted independent financial adviser in New Zealand, fully owned by its staff since its founding over 85 years ago. With offices spread across the country, they provide expert guidance on investments, KiwiSaver through their Summer scheme, and alternatives to traditional savings like term deposits. 

Their research on local and global markets earns awards, aiding informed decisions. Programmes for women, such as Her Wealth, offer targeted support. Strengths include diversification strategies and confidential advice sessions. A mild challenge might be ensuring seamless coordination in a large network. Partnerships for sustainability enhance their modern appeal, attracting clients who value ethical considerations alongside financial growth.

  • Broad portfolio diversification including funds and cash management, acclaimed research covering domestic and international markets, specialised women's wealth programmes, capabilities in short selling and business insights, focus on sustainable investing practices.

  • Proudly New Zealand-owned with a long-standing history, serves clients from various regions, emphasises private and tailored consultations, collaborates on eco-friendly initiatives, builds trust through decades of service.

4. Jarden

Jarden operates as an employee-owned independent financial adviser in New Zealand, strengthened by its JBWere heritage. With offices in Auckland, Wellington, and across Australia, they foster a team-driven environment to connect capital and ideas for client success. Their approach prioritises long-term perspectives and creative solutions. 

Strengths lie in integrated operations and a focus on exceptional outcomes. The broad details on specific adviser roles might make initial understanding less immediate for some clients. This firm appeals to those desiring dynamic, insight-led support in wealth management, blending trans-Tasman expertise for comprehensive strategies.

  • Unified team collaboration for holistic advice, employee ownership model promoting alignment, coverage spanning New Zealand and Australia, emphasis on innovative capital connections, commitment to long-term client achievements.

  • Majority owned by staff for internal motivation, key urban office locations, dedication to sustained success over quick wins, team of seasoned finance professionals, unwavering priority on client interests.

5. Moneyworks NZ Ltd

Moneyworks NZ Ltd excels as an independent financial adviser in New Zealand, headquartered in Cambridge, with a strong emphasis on ethical and sustainable investing. They assist clients in navigating retirement by debunking misleading claims and promoting responsible choices. Their services encompass KiwiSaver, diversified portfolios, and integrated insurance. 

The team's certifications in ethical advice underscore their commitment to values like trust and empathy. Local community connections enhance their approachable style. While robust in education and client relationships, the firm's scale information remains somewhat understated. Moneyworks attracts individuals who prioritise integrity and long-term sustainable paths in their financial journeys.

  • Dedication to ethical and sustainable investment principles, comprehensive retirement planning support, independent product analysis for unbiased recommendations, client education workshops and resources, seamless insurance incorporation.

  • Licenced under the Financial Markets Authority, advisers certified in ethical practices, active community engagement, internal staff financial planning for alignment, focus on authentic and empathetic client interactions.

6. Private Wealth Advisers

Private Wealth Advisers functions as a boutique independent financial adviser in New Zealand, privately owned to ensure customised service without off-the-shelf products. They develop tailored plans for individuals, trusts, charities, and iwi through a structured process involving goal setting, analysis, implementation, and ongoing reviews. 

Transparent management uses leading custodians for security. Their independence enables wide-ranging solution sourcing. Client testimonials highlight integrity, patience, and sound recommendations. A potential mild drawback is the specialised focus, which may not suit those seeking broader, less personalised options. This firm suits clients desiring deeply individualised and transparent financial guidance.

  • Hand-crafted goal identification and strategic planning, rigorous independent due diligence on investments, emphasis on enduring client relationships, partnerships with transparent custodians, adaptable recommendations across asset classes.

  • Client-centric boutique operation, caters to diverse entities including charities and indigenous groups, renowned for reliable and thoughtful advice, consistent communication channels, driven by passion for continuous improvements.

7. Wealthpoint

Wealthpoint acts as a member-owned co-operative of independent financial advisers in New Zealand, facilitating a network with locations throughout the country. They cover insurance, investments, KiwiSaver, and mortgages, providing tools for compliance, professional development, and supplier negotiations. This structure allows advisers to operate autonomously under a collective licence. 

Collaboration encourages sharing of best practices without competition. Strengths include reducing administrative burdens and offering broad access. Entry requirements for membership might limit immediate benefits for non-members. Wealthpoint supports various firm sizes, making it a versatile choice for networked advice.

  • Co-operative ownership by members, extensive supplier and product access, robust compliance and quality assurance support, continuous professional training opportunities, integrated general insurance brokerage services.

  • Among New Zealand's larger adviser networks, spans nationwide with multiple sites, eligible for rebates and profit sharing, promotes business growth through cooperation, accommodates diverse advice categories effectively.

8. Rutherford Rede

Rutherford Rede delivers independent financial advice in New Zealand as a partner-owned firm, independent of external influences. Based in Auckland, they cater to families, trusts, and charities with unbiased, evidence-based recommendations. Sustainable investing is integral to their offerings. The team's blend of technical, business, and interpersonal skills fosters a collaborative culture. 

Long-term client-adviser pairings ensure stability. Over many years, they've cultivated a client-first ethos. A slight limitation could be the partner-exclusive ownership potentially constraining broader expansion. Rutherford Rede draws clients seeking uncompromised independence and responsible financial strategies.

  • Commission-free unbiased guidance, incorporation of responsible investing principles, team equipped with emotional intelligence, consistent adviser-client pairings for continuity, fostering a high-performance collaborative environment.

  • Privately held without affiliations to providers, established business longevity, dedicated to demystifying finances, emphasis on superior performance standards, commitment to sustainable business operations.

9. Opes Partners

Opes Partners acts as an independent financial adviser in New Zealand, specialising in property investment to build client wealth. Founded by Andrew Nicol with over 20 years of experience, they help Kiwis through strategies like new builds in their Wealth Programme. The team, including economists, provides unbiased guidance backed by market insights. 

Strengths include a proven track record, educational tools like the Property Academy Podcast, and co-authored books on wealth planning. While strong in real estate focus, this specialisation might limit broader asset diversification for some. Opes suits investors aiming for financial security via property.

  • Dedication to property investment strategies, comprehensive wealth building programmes, independent market research for informed decisions, client education through podcasts and publications, focus on long-term financial security.

  • Privately owned by experienced founder, assisted many clients in achieving wealth goals, managing director holds multiple investment properties, emphasis on unbiased and expert-driven advice, team bolstered by economic specialists.

10. National Capital

National Capital specialises in KiwiSaver as an independent financial adviser in New Zealand, integrated into a larger group since 2018 with bases in Auckland and Christchurch. They deliver impartial recommendations free from provider affiliations, covering the entire advice process from risk quizzes to fund transitions at no cost. 

Their technology platform enables 24/7 access supplemented by phone support. Strengths encompass automated insights and broad market research for goal-oriented advice. Market-dependent projection models could vary in accuracy. National Capital fits those prioritising KiwiSaver optimisation for milestones like home buying or retirement.

  • Customised KiwiSaver suggestions and effortless fund switches, round-the-clock digital platform access, human assistance during business hours, alignment with personal goals like home ownership or retirement, comprehensive market overviews.

  • Fully New Zealand-owned and officially registered, maintains neutrality from fund providers, efficient questionnaire-based assessments, provision for regular plan updates, draws on extensive industry research.

11. Lighthouse Financial

Lighthouse Financial emerges as an independent financial adviser in New Zealand, located in Auckland's CBD, offering holistic planning to put client goals at the forefront. Their services span goal setting, budgeting, debt reduction, KiwiSaver, investments, property, and insurance. Independent research underpins their recommendations. 

The team includes seasoned advisers like James Blair and Jess Hargreaves. Strengths feature a free initial discovery call and a client-centred approach. While strong in comprehensive support, the urban focus might require virtual options for remote clients. Lighthouse appeals to those seeking integrated, unbiased financial roadmaps.

  • Holistic financial strategies encompassing multiple areas, independent investment analysis for objectivity, team of experienced professionals, free introductory consultations, emphasis on client priorities and long-term planning.

  • Based in central Auckland with nationwide potential, advisers hold relevant qualifications, committed to transparent and goal-driven advice, publishes resources for client education, trusted for balanced financial guidance.

12. The Private Office

The Private Office functions as an independent financial adviser in New Zealand, headquartered in Auckland's CBD, catering to successful individuals and families with long-term planning. Services include investment and portfolio management, KiwiSaver, transfers from UK and Australian pensions, and socially responsible portfolios. 

Their transparent fee structure involves one-off strategy fees and scaled monitoring. Strengths lie in customised solutions and ethical investment options. A potential mild issue is the focus on higher-net-worth clients limiting accessibility. This firm suits those desiring sophisticated, value-aligned wealth management.

  • Long-term financial and investment planning, specialised pension transfer expertise, socially responsible investment options, transparent and scalable fee models, tailored portfolio construction and oversight.

  • Centrally located in Auckland for convenience, works with affluent clientele, emphasises ethical and sustainable practices, provides detailed strategy development, builds on client success stories.

13. Strategic Wealth Management

Strategic Wealth Management stands as an independent financial adviser in New Zealand, based in Auckland's CBD, guided by a 10-step investment philosophy for transparency. They offer financial planning, investment management, KiwiSaver, and Australian Super services. Regular blog posts keep clients informed. Strengths include full fee disclosure and a methodical approach to wealth building. The emphasis on philosophy might need client buy-in for full effectiveness. Strategic Wealth Management attracts individuals who value structured, informed financial decisions.

  • Structured 10-step investment process, comprehensive planning and management services, KiwiSaver and superannuation expertise, transparent fee structures, educational blog content for ongoing insights.

  • Operates from Auckland central with broad reach, focuses on clarity in all dealings, aims for client empowerment through knowledge, maintains independence for unbiased advice, supports diverse financial goals.

14. Become Wealth Ltd

Become Wealth Ltd operates as an independent financial adviser in New Zealand, with an office in Takapuna and nationwide presence, trusted by government and corporate entities. Services cover wealth creation, retirement planning, mortgage broking, and personal insurance. Dual licensing for advice and investment management ensures versatility. Transparent online fee display builds trust. Strengths encompass a dedicated team and holistic services. Scale across locations might demand strong coordination. Become Wealth fits clients seeking reliable, multifaceted financial support.

  • Wealth and retirement focused strategies, integrated mortgage and insurance services, dual-licenced for comprehensive offerings, transparent fee schedules, nationwide team support.

  • Takapuna-based with countrywide operations, endorsed by public and private sectors, emphasises trust and professionalism, provides clear cost structures, caters to varied client needs effectively.

15. Saturn Advice

Saturn Advice provides fee-only independent financial advice in New Zealand, located in Auckland's CBD, with a salaried model for impartiality. Services include long-term planning, portfolio management, and UK pension transfers. Ongoing fees scale with portfolio size, starting at 1.05% for smaller amounts. Strengths feature unbiased guidance and flexible hourly options for general advice. The fee structure might suit invested clients more than those seeking one-off help. Saturn Advice appeals to those prioritising neutral, structured financial counsel.

  • Fee-only model for objectivity, long-term planning and management, specialised UK transfer services, scalable ongoing advice fees, hourly rates for ad-hoc consultations.

  • Centrally positioned in Auckland, employs salaried advisers to avoid commissions, focuses on client best interests, offers accessible entry points, builds on reputation for integrity.

Factors to Weigh When Picking an Adviser

  • Pick an adviser who listens well and explains things clearly. 

  • Check if they hold proper licences from groups like the Financial Markets Authority. 

  • Ask about their background in areas that match your needs, such as super transfers or ethical picks. 

  • See how they handle updates and reviews over time. 

  • Some use quizzes to gauge risk level, which helps tailor plans. 

  • Independence means wider choices, but confirm they scan all options. 

  • Building a good fit takes a few talks. This step keeps your money on track.

How Technology Shapes Financial Advice Today

Tech brings real-time views and easy tools to financial advice in New Zealand. Apps let you track portfolios on the go. Automated quizzes match risks fast. In setups like Compound Portfolios, tech aids diverse asset mixes. 

Some firms use models to project futures based on data. This speeds up advice without losing personal touch. Yet, human input stays key for complex life shifts. Many advisers blend software with chats for best results. It makes advice reachable for busy schedules. As tools evolve, they handle more tasks like fund switches smoothly.

Trends Ahead for Financial Advising in NZ

  • Sustainability gains ground in New Zealand advising, with more focus on green investments. 

  • Advisers weave ethical choices into plans. 

  • Rules tighten around transparency, pushing clearer reports. 

  • Remote advice grows via video, widening access. 

  • Blends of traditional and crypto assets appear more. 

  • Some firms add wellness ties, linking money to life balance. 

  • These shifts aim for resilient plans amid changes.

FAQ

What sets independent financial advisers apart in New Zealand?

Independent financial advisers in New Zealand stand out because they operate without any affiliations to banks or product sellers, which means their recommendations come purely from what benefits you most. They follow strict rules set by the Financial Markets Authority, including a code of professional conduct that demands full transparency about any potential conflicts. This freedom lets them explore the entire market for solutions, giving you access to diverse strategies that align with your personal financial picture. Over time, this builds a relationship based on trust and ongoing adjustments to your plans.

How do I start with a financial adviser?

Starting with a financial adviser in New Zealand begins with an initial meeting where you discuss your current finances and future aims in detail. They will outline the scope of their services, how they get paid, and what to expect from the process right from the start. Bring along key documents like bank statements or investment details to help them understand your situation better. From there, they create a tailored plan, and regular check-ins ensure it stays relevant as things change.

Why focus on KiwiSaver with an adviser?

Focusing on KiwiSaver with an adviser helps you navigate the scheme's options to find ones that suit your lifestyle and long-term vision. They provide insights into how different funds work, including their growth potential and how they fit with other savings. This guidance avoids common pitfalls and ensures your contributions work harder toward goals like buying a home or retiring comfortably. Advisers also assist with seamless fund changes when needed.

What role does risk play in advice?

Risk plays a central part in financial advice by helping shape recommendations that match your comfort level with market fluctuations. Advisers use tools like a risk assessment quiz to gauge this, leading to balanced portfolios that mix safety with opportunity. Understanding risk ensures your plan includes diversification to handle ups and downs effectively. This approach keeps your finances steady through various life stages.

Discover the Best Independent Financial Advisers in New Zealand - Compound Wealth

Paul Souliac
Previous

Best Retirement Financial Advice in New Zealand (2026)
Next

Best Personal Wealth Management Services in New Zealand (2026)