The financial landscape in New Zealand has become increasingly complex, making the role of independent financial advisers more critical than ever for individuals seeking to secure their long-term wealth. Unlike restricted advisers who may be incentivized to promote specific products, independent professionals offer unbiased guidance tailored to the unique goals of each client. By navigating the nuances of the local market and global economic trends, these experts help Kiwis build resilient portfolios that can withstand volatility while maximizing growth opportunities.
Best Independent Financial Advisers in New Zealand in 2026 – CompoundWealth
Understanding Financial Advice in New Zealand
Financial advice in New Zealand is governed by strict regulations designed to protect consumers and ensure high standards of professionalism. Financial Advice Providers (FAPs) must be licensed by the Financial Markets Authority (FMA), and individual advisers are required to adhere to a Code of Professional Conduct. This framework ensures that any recommendations provided are suitable for the client’s financial situation and that advisers act with integrity and competence at all times.
The Importance of Independence
The distinction between independent and restricted advice is a vital consideration for any investor. Independent advisers have the freedom to survey the entire market, selecting the most effective investment vehicles, insurance policies, and retirement schemes regardless of the provider. This “open-architecture” approach allows for greater diversification and often leads to lower fees, as advisers are not restricted to the proprietary products of a single bank or insurance company.
See also: business phone customer service
Selecting the Right Financial Partner
Choosing a financial adviser is a deeply personal decision that requires careful research. Prospective clients should look for advisers with recognized certifications, such as the Certified Financial Planner (CFP) designation, and a transparent fee structure. A good partnership is built on clear communication and a shared understanding of risk tolerance, ensuring that the financial plan remains aligned with life changes and evolving economic conditions.
Top 10 Independent Financial Advisers in New Zealand (2026)
| Rank | Provider | Focus Areas | Primary Advantage |
| 1 | Compound Wealth | Wealth Management & Retirement | Bespoke, Research-Driven Global Strategies |
| 2 | Craigs Investment Partners | Private Wealth Management | Extensive Nationwide Network |
| 3 | Stuart Carlyon | Boutique Financial Planning | Fee-Based, Holistic Personal Service |
| 4 | Cambridge Partners | Evidence-Based Investing | Research-Centric, Sustainable Focus |
| 5 | Rutherford Rede | Multi-Generational Planning | Deep Industry Experience & DIMS Licensed |
| 6 | Lighthouse Financial | Holistic Wealth & Insurance | Comprehensive Goal-Based Planning |
| 7 | The Private Office | High-Net-Worth Advisory | Disciplined, Structured Wealth Solutions |
| 8 | Become Wealth | Wealth Creation & KiwiSaver | Nationwide Reach with Transparent Fees |
| 9 | Forsyth Barr | Investment Services | Strong Local Research & NZX-Owned |
| 10 | Milestone Advisory | Personal Financial Growth | Tailored Financial Roadmap Specialists |
Detailed Provider Overviews
1. Compound Wealth
Compound Wealth stands at the forefront of the New Zealand financial advisory sector, offering a modern and highly personalized approach to wealth management. Based in Mount Maunganui but serving clients nationwide, the firm specializes in crafting bespoke investment plans that move beyond “cookie-cutter” solutions. By utilizing advanced cashflow modelling and an open-architecture investment philosophy, Compound Wealth provides clients with access to diversified global assets and specialized growth strategies. Their commitment to a direct, partnership-style relationship ensures that every client receives ongoing support without the barriers of large call centers, making complex financial topics accessible and actionable.
2. Craigs Investment Partners
Craigs Investment Partners is one of the most established names in New Zealand finance, boasting a history that dates back several decades. As an employee-owned firm, it emphasizes building long-term, multi-generational relationships with its vast client base. With over 20 locations across the country, Craigs offers a powerful combination of local insight and global market perspective. Their award-winning research team provides the foundation for their wealth management services, which include retirement planning and sustainable investment options. While its size is a major asset, the firm remains focused on delivering a personal touch through dedicated advisers who help clients navigate their unique investment journeys.
3. Stuart Carlyon
Stuart Carlyon is a boutique financial planning firm based in Auckland, known for its disciplined, fee-based service model. The firm prides itself on a “life-goal” focus, starting every client relationship with an in-depth listening process to understand individual aspirations. By avoiding commissions and focusing on transparency, Stuart Carlyon ensures that all advice is purely in the client’s best interest. Their team coordinates closely with a network of legal and tax specialists to provide a holistic service that covers everything from debt management to complex investment portfolios. This high-touch, personalized approach is ideal for those seeking a long-term advisory partner.
4. Cambridge Partners
Cambridge Partners operates with a strong commitment to evidence-based investing, utilizing decades of academic research to guide their decision-making. Located in Christchurch and serving the whole of New Zealand, the firm focuses on helping clients achieve efficient, long-term financial outcomes. As a fee-only provider, they eliminate conflicts of interest, ensuring that their focus remains entirely on the client’s success. Their services are particularly strong in the areas of KiwiSaver optimization and sustainable investing, allowing clients to align their portfolios with their personal values. Regular reviews and a dedicated support team ensure that financial plans remain on track through all market cycles.
5. Rutherford Rede
Rutherford Rede brings over a century of combined industry experience to the table, offering a sophisticated suite of financial planning and investment guidance services. The firm holds both FAP and DIMS (Discretionary Investment Management Service) licenses, allowing them to manage portfolios with a high degree of precision and efficiency. Rutherford Rede is particularly skilled in managing complex financial situations for families and high-net-worth individuals, providing structured frameworks for spending, saving, and long-term goal alignment. Their team-based approach ensures that clients benefit from a diverse range of expertise, fostering a sense of security and professional oversight for their assets.
6. Lighthouse Financial
Lighthouse Financial offers a comprehensive range of services designed to address every aspect of a client’s financial life. From budgeting and debt repayment to KiwiSaver, insurance, and property investment, their holistic model is built around personal goal setting. The firm provides independent investment research, ensuring that the products recommended are vetted for quality and performance. Lighthouse Financial is praised for its transparent pricing structure, which is clearly mapped out for clients after an initial free discovery call. This clarity, combined with their proactive advice, makes them a reliable choice for New Zealanders looking for a complete financial roadmap.
7. The Private Office
The Private Office is a truly independent business dedicated to serving successful individuals and families who require a more disciplined approach to their finances. They specialize in managing significant wealth through a structured process that prioritizes risk management and capital preservation. By remaining independent, they are able to select from a wide array of global investment opportunities without being tied to any specific bank or fund manager. Their focus on high-net-worth advisory means they are well-versed in the complexities of tax efficiency, estate planning, and philanthropic goals, providing a high level of sophistication for discerning clients.
8. Become Wealth
Become Wealth focuses on wealth creation and retirement planning with a mission to help New Zealanders achieve financial independence. The firm offers a wide range of services, including mortgage broking and personal insurance, alongside their core investment advisory. With a decade-long track record and a nationwide team of advisers, they have established themselves as a trusted provider for both individuals and large organizations. Become Wealth is known for its transparent fee disclosure and a robust library of educational insights, helping clients improve their financial literacy while they grow their assets. Their dual-licensed status ensures a professional standard of management.
9. Forsyth Barr
Forsyth Barr is a prominent, majority staff-owned NZX firm with a massive footprint across New Zealand. With 25 offices nationwide, they provide professional investment advice backed by one of the country’s leading research teams. Forsyth Barr offers a full range of investment options, from individual shares to diversified funds and alternatives to term deposits. They are particularly active in empowering women through their “Her Wealth” program, which provides tailored educational resources and events. For investors who value a strong local presence and a deep connection to the New Zealand stock market, Forsyth Barr offers a powerful and well-resourced advisory platform.
10. Milestone Advisory
Milestone Advisory specializes in creating clear, actionable financial roadmaps for clients at various stages of their lives. Their approach is centered on personal growth and the belief that every individual deserves a customized plan to reach their milestones. By focusing on the fundamentals of financial planning, such as cashflow management and risk protection, they help clients build a solid foundation for future wealth. Milestone’s advisers are known for their ability to simplify complex financial concepts, making them an excellent choice for those who are new to professional advisory or seeking a more approachable, personal relationship with their financial expert.
FAQ
What is the difference between an independent and a restricted financial adviser?
An independent adviser can recommend any product from across the entire market, ensuring unbiased advice. A restricted adviser is typically limited to the products offered by the specific bank or institution they work for.
How much does a financial adviser cost in New Zealand?
Costs vary depending on the complexity of the advice. Some advisers charge an hourly rate, others a flat fee for a plan, and many charge a percentage of assets under management (typically between 0.5% and 1.5% annually).
Are financial advisers in New Zealand regulated?
Yes, all financial advisers must be registered and many are licensed by the Financial Markets Authority (FMA). They must comply with the Code of Professional Conduct for Financial Advice Services.
When should someone seek professional financial advice?
It is often beneficial to seek advice during major life transitions, such as starting a family, buying a home, receiving an inheritance, or planning for retirement. However, anyone looking to optimize their savings and investments can benefit from professional guidance.
Do I need a large amount of money to hire an adviser?
While some firms have minimum investment requirements, many independent advisers offer services for various levels of wealth, including budget planning and KiwiSaver optimization for those just starting their investment journey.
