New Zealand Financial Planning

What New Zealand Financial Planning does

New Zealand Financial Planning (NZFP) is a privately held, FMA-licensed (FSP 13881) financial advisory firm based in New Zealand that serves individual retail clients across the country. Its core offering is personalised financial planning, KiwiSaver advice, insurance broking, and ongoing investment monitoring, delivered through a team of Certified Financial Planner-qualified senior advisers with 25-32+ years of industry experience. The firm is led by CEO Craig Dealey, with Directors Jordi Garcia and Mark Hubber, and operates from five regional offices in Auckland, Wellington, Christchurch, Dunedin, and Waikato.

NZFP's product surface combines human-led advisory services with two structural pieces: the NZFP Tailored Portfolio Service, a Managed Investment Scheme run in partnership with NZ Investment Portfolio Management (NZIPM) and Caliber Investment Limited, and My Vault, a secure online client portal that gives clients visibility over their plans, documents, and investments. Technology is positioned as an enabler of the adviser relationship rather than a standalone product, with no disclosed AI, automation, or proprietary modelling capability.

The business model is fee- and commission-based, drawing revenue from upfront financial planning fees, ongoing monitoring fees on managed portfolios, insurance commissions, and KiwiSaver advice fees. Go-to-market is sales-led and locally distributed, relying on free initial consultations, professional referrals, and the physical office network to acquire clients. No funding rounds, institutional investors, or external capital are disclosed, and the firm appears to be self-funded and operating organically.

Name

New Zealand Financial Planning

Legal name

New Zealand Financial Planning Company Ltd

Website

https://nzfp.co.nz

Company type

Private

Operating status

Operating

Headcount range

11–50 employees

Short description

New Zealand Financial Planning is an FMA-licensed financial advisory firm serving individual retail clients across New Zealand with personalised financial planning, KiwiSaver, insurance, and managed investment services delivered through five regional offices and senior CFP-qualified advisers.

Ownership category

akta.pro rank

Product category

Financial Advisory Services

NAICS

Portfolio Management and Investment Advice (523940), Portfolio Management and Investment Advice (52394), Funds, Trusts, and Other Financial Vehicles (525)

SIC

Investment Advice (6282)

akta.pro primary industry

Comprehensive Financial Planning (FSAEAAAA)

akta.pro secondary industries

Financial Planning–Led RIAs (FSAAACAB), Personal Financial Management & Budgeting (PFM) (FSAGAAAH), Financial Planning Tools & Financial Coaching (Goal Setting, Apps, Advisors) (EDAAAJAN)

Keywords

• Financial planning services
• Investment advisory
• Retirement planning
• KiwiSaver advisory
• Wealth management

Headquarters

HQ city

Takapuna

HQ country

New Zealand

HQ region

Oceania

Offices5 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Financial Planning and Advice Fees: Fees for initial financial plan preparation including Planning and Advice Preparation Fees, and Advice Implementation Fees. The fee is dependent on complexity and nature of advice required and is explained before commitment.
2. Ongoing Plan Monitoring Fees: Ongoing advice monitoring fee charged based on the amount invested through the NZFP Tailored Portfolio Service. Covers reporting, ongoing reviews, and one-to-one services from advisers.
3. Insurance Commissions: Commissions from insurance companies for life and health insurance policies advised upon. Commission amount is usually based on the premium amount.
4. KiwiSaver Advice Fees: Ongoing advice fees paid by KiwiSaver providers for recommending their schemes, based on total amount invested in the KiwiSaver portfolio.

Pricing tiers

Go-to-market motion1 record

Distribution channels7 records

Marketing channels4 records

Core offering

New Zealand Financial Planning (NZFP) provides personalized, comprehensive financial planning services to individuals across New Zealand, including retirement planning, investment advice through the NZFP Tailored Portfolio Service (a Managed Investment Scheme), KiwiSaver advisory, insurance advice, cash flow management, savings strategy, estate planning, and debt management. Services are delivered by CFP-certified financial advisers located across five New Zealand offices, with ongoing monitoring through the My Vault online client portal.

Product overview

New Zealand Financial Planning (NZFP) is a financial advisory firm offering a comprehensive suite of personalized financial planning services. The core offering is the NZFP Financial Planning service, which provides tailored financial plans incorporating lifestyle requirements, retirement planning, investment advice, insurance, and estate planning. The company also manages the NZFP Tailored Portfolio Service, a Managed Investment Scheme designed in partnership with NZIPM and Caliber Investment Limited. Clients access their accounts through the My Vault online portal. Services span across multiple life stages including getting started, wealth building, wealth protection, and retirement planning, with advisers located in Auckland, Wellington, Christchurch, Dunedin, and Waikato.

Differentiator

Problem solved

Functional benefit

Products and services

• NZFP Financial Planning Comprehensive financial planning service providing personalized financial plans that incorporate lifestyle requirements and financial goals. Includes retirement planning, investment advice, cash flow management, savings strategy, estate planning, debt management, and insurance advice.
• NZFP Tailored Portfolio Service A Managed Investment Scheme specifically designed for NZFP clients, providing personalized investment portfolios aligned to longer-term financial planning client needs. Managed in partnership with New Zealand Investment Portfolio Management Limited (NZIPM) and Caliber Investment Limited.
• My Vault Client Portal Secure online client portal allowing clients to access and monitor their financial plans, investments, and communications with their advisers.
• KiwiSaver Advisory Services Advisory services for the KiwiSaver retirement savings scheme, including maximizing participation, fund selection, and determining optimal withdrawal strategies.

Quantifiable outcome

• Clients gain clarity on financial position and optimal money management strategies
• +1 more outcomes

Named customers4 records

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Partnerships

Five partnerships are on record, tiered core and minor.

• New Zealand Investment Portfolio Management Limited (NZIPM)coreStrategic or Co-development PartnerNZIPM is a licensed Managed Investment Scheme (MIS) provider established by the Principals of NZFP. It provides investment solutions specifically aligned to longer-term financial planning client needs. Craig Dealey serves as Managing Director of NZIPM.
• Caliber Investment LimitedcoreStrategic or Co-development PartnerProfessional investment manager partnering with NZIPM to manage the NZFP Tailored Portfolio Service, a Managed Investment Scheme designed specifically for NZFP clients.
• Insurance and Financial Services Ombudsman Scheme (IFSO)minorOthersIndependent dispute resolution service for NZFP clients. IFSO investigates and resolves complaints at no fee to the client. Contact: Freephone 0800-888-202.
• KiwiSaver ProvidersminorOthersVarious KiwiSaver scheme providers pay ongoing advice fees to NZFP and advisers for recommending their schemes. Amount is typically based on total amount invested in the KiwiSaver portfolio.
• Insurance CompaniesminorOthersLife and health insurance providers may pay commissions to NZFP and advisers based on premium amounts for policies advised upon.

Scale indicators3 records

Recent moves5 records

Expansion highlights5 records

Emerging players

• Perpetual Guardian: NZ-based trust, estate, and wealth advisory firm — adjacent overlap in estate planning and intergenerational wealth services that NZFP also offers, with comparable mid-market client focus.
• Simplicity: Low-fee NZ KiwiSaver and investment fund manager — disruptive competitor at the low-cost end of the KiwiSaver advice distribution chain that NZFP relies on for commission revenue.

Direct peers

• Craigs Investment Partners: NZ-headquartered full-service investment advisory firm providing wealth management, KiwiSaver, and personal financial planning to individuals — overlaps NZFP's target market, fee model, and adviser-led service.
• Booster: NZ KiwiSaver and investment scheme provider with adviser distribution — competing supplier for the KiwiSaver advice fee revenue stream NZFP earns.
• Fisher Funds: NZ-domiciled managed funds and KiwiSaver provider offering investment solutions to retail and advised clients — comparable as both an investment vehicle partner and a competitor for advised KiwiSaver flows.
• Jarden: New Zealand investment advisory and wealth management business (part of Jarden group) offering personal financial planning, investment, and KiwiSaver services — directly comparable client segment and product set.
• Generate Investment Management: New Zealand KiwiSaver and managed funds provider paying adviser commissions on scheme recommendations — directly competes with NZFP's KiwiSaver advice revenue line for the same adviser channel.
• Forsyth Barr: New Zealand-owned investment advisory and wealth management firm offering personalized financial planning, investment advice, and KiwiSaver services across multiple regional offices — directly comparable offering and distribution model to NZFP.

Broad incumbents

• Milford Asset Management: One of New Zealand's largest independent asset managers offering KiwiSaver, managed funds, and investment solutions — broader incumbent that overlaps NZFP's investment management layer but at significantly greater scale.
• AMP New Zealand: Large incumbent wealth management and advice provider in New Zealand — broader portfolio (superannuation, KiwiSaver, insurance, advice) with overlapping financial planning capability.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/NewZealandFinancialPlanning
• LinkedInlinkedin.com/company/new-zealand-financial-planning-company-limited

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles16 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about New Zealand Financial Planning