Stream-Gold Financial Services holds a licence issued by the Financial Markets Authority to provide financial advice. The Financial Services Provider number is FSP716071. Our office is located at Room 6, 16 Armidale St., Petone, Lower Hutt

We are committed to supporting migrants and locals in New Zealand attain financial security and freedom. From humble beginnings in 2017 based in Wellington, Stream-Gold has extended its reach nationwide.

We offer holistic financial services around:

  • Personal  Insurance (Life, Trauma, Total and Permanent Disability, Income Protection, Health)
  • Loans including Mortgages and Personal
  • Managed Fund Investment 
  • Bookkeeping and Tax Services
  • KiwiSaver
  • Financial Planning

Our team of experienced Financial Advisers will support you all the way to attain your financial objectives providing authentic service and long-lasting relationship.



Our services are designed to give you the peace of mind that your financial matters are in order. We take out your uncertainties so that you can relax in the present and in the future by designing an ideal financial plan and strategies that will elevate you to the next level.


Our priority is to see you not worrying about your future that you have enough money to cover emergencies and your future financial goals such as retirement whether you are a professional, self-employed or business owner . When you are financially secure, it’s easy to  focus on achieving your financial goals.


Accessing information is now as easy as scrolling a mobile phone screen. We are bombarded by a variety of opinions through social media only to find out that it’s incorrect and can lead to a wrong decision. At Stream–Gold, we specialised in providing the right approach based on your priorities and financial goals.  We provide honest, transparent and premium advice  based on our core values and  NZ Financial Regulations.


We are committed to support migrants and locals in New Zealand feel confident about financial well-being by providing financial solutions that are fit for purpose and consistent to our core values.


Our vision is to be the leader in empowering our clients to achieve their goals as they transition through life’s financial cycles.



We do the right thing, even when no one is watching.


We value your confidence in our ability, judgement and advice and will not do anything to put that at risk.


We are passionate about doing the right thing for our clients.


We are dedicated to our clients. We invest our time and resources to support the communities in which we live and work, improving the quality of life for everyone.


We understand our clients’ needs and work hard to meet them.


We help our clients improve their lives, by developing their financial capability.


We are genuine, and always treat our clients with honesty and transparency.


The actual fee charged to you will depend on the nature and scope of the advice or service we provide.
We will discuss and agree the actual fees with you before we proceed and explain how they are payable. 


The fees charges for our advice and services may be based on a combination of:

  • A set dollar amount; or a percentage – based fee.
  • Our agreed advice and service fees may include charges for:
  • Initial advice, ongoing or annual advice and services


For services in relation to insurance, KiwiSaver, investment  and loan products, commissions may be paid by the product provider as follows:

Initial commission – a percentage of the value of your investment, loan balance or insurance premiums; and

Ongoing commission – a percentage of the value of your investment balance, outstanding loan amount or premiums, usually calculated at the end of each month in which you hold the investment or loan, or on renewal of insurance products. 


Where other costs are incurred in the process of providing our advice and services to you, you will be liable for these costs. However, we will agree all additional costs with you prior to incurring them.



We are here for our clients and to advice you as best we can. Your interests are our priority although we do have business relationships with product providers also. From time to time our products providers assist us with funding so we can bring our advisers together for conferences and professional development training.

To ensure that our financial advisers prioritise the client’s interests above their own, we follow an advice process that ensures our recommendations are made on the basis of the client’s goals and circumstances. All our financial advisers undergo annual training about how to manage conflicts of interest. We undertake a compliance audit, and a review of our compliance programme annually by a reputable compliance adviser.


If you have a problem, concern or complaint about any part of our advice or service, please tell us so that we can try to fix the problem. Our Internal Complaints Administrator who can be reached via email at [email protected] or 04 2134555. The Administrator will reply to you within 24 hours.


If we cannot agree on how to fix the issue, or if you decide not to use the internal complaints scheme, you can contact our external disputes resolution scheme – Financial Services Complaints Limited. This service will cost you nothing, and will help us resolve any disagreements.

You can contact Financial Services Complaints Ltd at:
Address: PO Box 5967, Lambton Quay, Wellington 6140
Phone: 0800 347 257
Email: [email protected]