Stream-Gold Financial Services is a licensed Financial Advice Provider (FAP) regulated by New Zealand's Financial Markets Authority (FSP716071), based in Petone, Lower Hutt. Founded in 2017 in Wellington, the business has since extended its reach nationwide, with a particular focus on supporting migrants and locals in New Zealand to attain financial security and freedom.
Stream-Gold's Financial Advisers offer holistic advice across insurance, property, investment, finance, KiwiSaver and financial and retirement planning, along with bookkeeping and tax. The firm works with a wide range of banks and product providers, including AIA, Asteron Life, Fidelity Life, Chubb, NIB, ANZ, ASB, BNZ, Westpac, SBS Bank, Booster, NZ Funds and many others, giving clients access to a broad market rather than a single provider's products.
The business offers a free initial consultation to discuss a client's financial needs, and is transparent about when fees apply — generally not charging for insurance, KiwiSaver or home loan advice (since it's paid via commission from providers), while charging agreed fees for investment advice, some home loan product advice, and financial plans.
Stream-Gold Financial Services began in 2017 in Wellington and has since grown its reach across New Zealand, while remaining based at its office in Petone, Lower Hutt. The firm is a licensed Financial Advice Provider (FAP), regulated by the Financial Markets Authority under FSP716071 — meaning its advice operates within New Zealand's formal regulatory framework for financial services.
A defining part of Stream-Gold's identity is its stated commitment to supporting migrants and locals in New Zealand to attain financial security and freedom. That framing suggests a business conscious of clients navigating New Zealand's financial system for the first time, alongside long-term residents planning their next financial steps.
Rather than specialising in a single product, Stream-Gold positions itself around holistic financial advice spanning investment, mortgage, insurance, finance, KiwiSaver, and financial and retirement planning, with bookkeeping and tax services also offered. For investment, the firm works across a range of Managed Fund Providers, letting clients choose a diversified mixed-asset portfolio or a more targeted single asset class approach depending on their goals.
On the property side, mortgage advice covers first home buyers, reviews of existing mortgages, and residential property investment, with the firm searching across its lender panel to find a suitable deal. Insurance advice is framed around protecting clients and their families from unforeseen events, while the finance service helps secure personal or business loans from a range of providers. For KiwiSaver, the firm's advice is aimed at helping clients understand whether they're making the most of what their scheme offers — a detail many New Zealanders are aware of in principle but don't always optimise in practice. Financial and retirement planning rounds out the offering, built around tailoring a plan to protect a client's lifestyle while growing their wealth over time.
Stream-Gold's advice draws on a wide network of partners rather than a single institution. On the insurance side, that includes AIA, Asteron Life, Fidelity Life, Partners Life, Chubb, NIB, Accuro, Orbit Protect and Southern Cross Travel, along with general insurance referral partners Tower and Blanket. For investment and KiwiSaver, the firm works with providers including Consilium, Booster, Select Wealth, Property Management Group, NZ Funds, Summer and Generate. On mortgages and lending, Stream-Gold's panel spans the major banks — ANZ, ASB, BNZ, Westpac, SBS Bank and The Cooperative Bank — alongside other lenders including Sovereign, Select, Avanti and NZCU.
Stream-Gold is upfront that the actual fee a client pays depends on the nature and scope of the advice provided, and that fees are discussed and agreed before any work proceeds. Generally, the firm doesn't charge fees for advice on insurance, KiwiSaver or home loan products, since it's compensated through commission, finder's fees and trail income from the relevant product providers instead. Fees may apply for some investment and home loan product advice, agreed within the scope of advice beforehand, and a fee is charged for the preparation of a financial plan, based on its scope, nature and complexity — covering the initial advice as well as any ongoing or annual review work tied to that plan.
Stream-Gold offers a free consultation as the starting point for anyone wanting to understand their financial options, whether that's a first home purchase, insurance review, investment strategy or retirement plan. The office is located at Room 2, 16 Armidale Street, Petone, Lower Hutt, and is open Monday to Friday from 9:30am to 6:00pm. Clients can get in touch by phone, mobile, email, or through the enquiry form on Stream-Gold's website.