How to find a financial adviser you can actually trust (In NZ)

Finding a financial adviser in New Zealand can feel both overwhelming, and risky.With so many options, how do you know who to trust with your money, your KiwiSaver, your mortgage, or your retirement plan?In this episode of Making Cents, Frances Cook breaks down exactly how to find a financial adviser in NZ that you can actually rely on. We cover when you really need an adviser, what they can (and can’t) do for you, how they get paid (fees vs commissions), and the red flags that should send you running.Whether you’re buying your first home, setting up life insurance, planning for retirement, or investing a lump sum, this guide will show you how to:Check if an adviser is licensed and registered in New ZealandUnderstand their specialtiesAsk the right vetting questions before you sign anythingSpot common conflicts of interest and sales tacticsKnow the difference between real advice and a product pitchYour financial adviser should be a co-pilot, not the pilot. This episode will help you feel confident, avoid getting burned, and choose someone who puts your interests first.LinksFollow Frances Cook on Facebook, Instagram and TikTok, or join the Money Memo newsletter for a free weekly money tip in your inbox each week.