The Website is powered by Aurora Financial.

Below is the public disclosure information about Aurora Financial relating to the Service you requested on our Website by using the Website forms.

Licensing information

Aurora Financial Group Limited (FSP673551, trading as Aurora Financial) holds a transitional licence issued by the Financial Markets Authority to provide financial advice.

Nature and Scope of The Advice

Aurora Financial provides advice to their clients about their investments, mortgages, life insurance and health insurance, general and commercial insurance.


For KiwiSaver, they only provide limited advice and work with certain providers listed here https://aurorafinancial.co.nz/providers. They do not provide full investment advice or planning on those products so you will need to consult a specialist.

Fees or Expenses

Aurora Financial does not charge fees, expenses or any other amount for any KiwiSaver financial advice (limited) provided to their clients.

Conflicts of Interest and Incentives

Aurora Financial

For KiwiSaver, Aurora Financial receives commissions from the provider if you decide to take their limited advice on those products. The amount of commission is based on the KiwiSaver balance.

Aurora Financial only provides recommendations in respect of financial products in the Aurora KiwiSaver Scheme (Scheme), for which Aurora Capital Limited, a related party of Aurora Financial, is the investment manager. This has the potential to influence Aurora Financial to advise clients to invest in the Scheme when it may not be in clients' best interests.

When you seek limited financial advice from Aurora Financial and invest in the Scheme, you will pay a fee that forms part of the annual fund charges charged to you in respect of your membership of the Scheme. These payments create potential conflicts of interest and, as such, have the potential to influence the limited advice provided if advice processes are not properly managed.

You may wish to consider whether these fees are likely to materially influence the limited advice you get and whether your adviser or financial advice provider, or another person connected with them, has any other interests likely to materially influence the limited advice you get.

Most Aurora Financial's advisers are full-time employees and remunerated with salaries and "great client outcomes" bonuses.

From time to time, product providers may also reward them for the overall business they provide to them. They may give Aurora Financial tickets to sports events, hampers, or other incentives.

To ensure that their financialadvisers prioritisetheir clients' interests above their own, they follow an advice process that ensures their recommendations are made on the basis of each client's goals and circumstances (unless it is a limited advice for KiwiSaver). All their financial advisers undergo annual training about how to manag conflicts of interest. They undertake a compliance audit, and a review of their compliance programme annually by their internal compliance team and reputable external compliance firm.

Aurora Financial takes the following additional steps to ensure that any conflicts of interest are identified and managed, and that clients' interests are always put first. These are:

• disclosing the existence of conflicts of interest to investors (for KiwiSaver and managed investment products), including in the disclosure above;
• the Aurora Code of Business Conduct, which applies to Aurora Financial advisers. This Code provides that advisers must never permit their personal interests to  conflict with or to appear to conflict with, the interests of clients. All advisers must make all reasonable efforts to avoid conflicts of interest and ensure that clients are fairly treated;
• compliance by Aurora Financial advisers with the Code of Professional Conduct for Financial Advice Services; and internal monitoring by Aurora Financial's compliance team to ensure that our directors and employees comply with our duties to clients and all other relevant laws and rules, and regular reporting on compliance-related issues to our board.

Complaints and Feedback

They value your feedback - If you are not satisfied with the financial advice service of Aurora Financial, you can make a complaint by:

Emailing: compliance@aurorafinancial.co.nz 
or by calling: 0508 287 672.
You can also write to them at: PO Box 37757, Parnell, Auckland 1151.

When they receive a complaint, they will consider it following their internal complaints process:

They will consider your complaint and let you know how they intend to resolve it. They may need to contact you to get further information about your complaint.
They aim to resolve complaints within 10 business days of receiving them. If they can't, they will contact you within that time to let you know they need more time to consider your complaint.
They will contact you by phone or email to let you know whether they can resolve your complaint and how they propose to do so.
If they can't resolve your complaint, or you aren't satisfied with the way they propose to do so, you can contact the Financial Dispute Resolution Service (FDRS). However, you must contact FDRS within 2 months from the date when you receive their final decision. That means FDRS can only investigate your complaint if you contact them within the aforesaid timeframe.

FDRS provides a free, independent dispute resolution service that may help investigate or resolve your complaint, if Aurora Financial hasn't been able to resolve your complaint to your satisfaction.

You can contact FDRS at:

Telephone number: 0508 337 337 / +64 4 381 5047 (international callers);
Email Address: enquiries@fdrs.org.nz
Postal Address: Freepost 231075, PO Box 2272, Wellington 6140;
OR fill in the online complaints form.