{"id":1133,"date":"2025-06-04T23:35:38","date_gmt":"2025-06-04T23:35:38","guid":{"rendered":"https:\/\/smartadviser.co.nz\/2023\/?page_id=1133"},"modified":"2025-06-04T23:37:07","modified_gmt":"2025-06-04T23:37:07","slug":"faq","status":"publish","type":"page","link":"https:\/\/smartadviser.co.nz\/2023\/faq\/","title":{"rendered":"FAQ"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"1133\" class=\"elementor elementor-1133\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-4082b30a elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4082b30a\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-ac50040\" data-id=\"ac50040\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4ab96ea0 elementor-icon-list--layout-inline elementor-mobile-align-center elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"4ab96ea0\" data-element_type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items elementor-inline-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-inline-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"#\">\n\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Home<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-367ef90a elementor-widget elementor-widget-heading\" data-id=\"367ef90a\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">FAQ<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4912f19d elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"4912f19d\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-7ecdd6c elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7ecdd6c\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-6ea68c1\" data-id=\"6ea68c1\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-9f11831 elementor-widget elementor-widget-image\" data-id=\"9f11831\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"800\" height=\"863\" src=\"https:\/\/smartadviser.co.nz\/2023\/wp-content\/uploads\/2025\/03\/fundjpg030-949x1024.jpg\" class=\"attachment-large size-large wp-image-223\" alt=\"\" srcset=\"https:\/\/smartadviser.co.nz\/2023\/wp-content\/uploads\/2025\/03\/fundjpg030-949x1024.jpg 949w, https:\/\/smartadviser.co.nz\/2023\/wp-content\/uploads\/2025\/03\/fundjpg030-278x300.jpg 278w, https:\/\/smartadviser.co.nz\/2023\/wp-content\/uploads\/2025\/03\/fundjpg030-768x829.jpg 768w, https:\/\/smartadviser.co.nz\/2023\/wp-content\/uploads\/2025\/03\/fundjpg030-1423x1536.jpg 1423w, https:\/\/smartadviser.co.nz\/2023\/wp-content\/uploads\/2025\/03\/fundjpg030.jpg 1500w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-ad213cb\" data-id=\"ad213cb\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-79a27e9 elementor-widget elementor-widget-elementskit-heading\" data-id=\"79a27e9\" data-element_type=\"widget\" data-widget_type=\"elementskit-heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" ><div class=\"ekit-heading elementskit-section-title-wraper text_left   ekit_heading_tablet-   ekit_heading_mobile-\"><h2 class=\"ekit-heading--title elementskit-section-title \"> <span><span>Frequently<\/span><\/span>  Asked Questions<\/h2><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9910a89 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"9910a89\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-46a4f74 elementor-invisible elementor-widget elementor-widget-elementskit-accordion\" data-id=\"46a4f74\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;,&quot;_animation_delay&quot;:400}\" data-widget_type=\"elementskit-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" >\n        <div class=\"elementskit-accordion accoedion-primary\" id=\"accordion-6a05f04aa1bfe\">\n\n            \n                <div class=\"elementskit-card active\">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-0-46a4f74\">\n                        <a href=\"#collapse-da96db06a05f04aa1bfe\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-da96db06a05f04aa1bfe\" aria-expanded=\"true\" aria-controls=\"Collapse-da96db06a05f04aa1bfe\">\n                            \n                            <span class=\"ekit-accordion-title\">What is the difference between a financial planner and financial adviser?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-left-arrows\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-da96db06a05f04aa1bfe\" class=\" show collapse\" aria-labelledby=\"primaryHeading-0-46a4f74\" data-parent=\"#accordion-6a05f04aa1bfe\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>While both roles have a place in your financial journey, there are key differences. A Financial Planner in NZ provides comprehensive planning and strategies across all aspects of your financial life. They typically help with long-term plans, retirement planning, and investment strategies. On the other hand, a Financial Adviser may specialize in a specific area like investment management, estate planning, or insurance.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-1-46a4f74\">\n                        <a href=\"#collapse-5f425e56a05f04aa1bfe\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-5f425e56a05f04aa1bfe\" aria-expanded=\"false\" aria-controls=\"Collapse-5f425e56a05f04aa1bfe\">\n                            \n                            <span class=\"ekit-accordion-title\">How does financial planning differ from mortgage advice?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-left-arrows\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-5f425e56a05f04aa1bfe\" class=\" collapse\" aria-labelledby=\"primaryHeading-1-46a4f74\" data-parent=\"#accordion-6a05f04aa1bfe\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>While both financial planning and mortgage advice can be part of a holistic approach to personal finance, they focus on different areas. Financial planning covers a broad spectrum of financial management aspects, including saving, investing, and retirement planning. Mortgage advice, on the other hand, focuses solely on providing guidance on choosing the right mortgage products, understanding mortgage terms, and strategies for mortgage repayment.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-2-46a4f74\">\n                        <a href=\"#collapse-d07d5ea6a05f04aa1bfe\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-d07d5ea6a05f04aa1bfe\" aria-expanded=\"false\" aria-controls=\"Collapse-d07d5ea6a05f04aa1bfe\">\n                            \n                            <span class=\"ekit-accordion-title\">What does a financial planner do?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-left-arrows\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-d07d5ea6a05f04aa1bfe\" class=\" collapse\" aria-labelledby=\"primaryHeading-2-46a4f74\" data-parent=\"#accordion-6a05f04aa1bfe\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>A financial planner, like the experts at Smart Adviser, provides advice on how to best manage your financial resources to meet your life goals. This can include guidance on savings, investments, taxes, and retirement planning. The planner helps you create a comprehensive strategy for managing your financial future.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-3-46a4f74\">\n                        <a href=\"#collapse-93bf6236a05f04aa1bfe\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-93bf6236a05f04aa1bfe\" aria-expanded=\"false\" aria-controls=\"Collapse-93bf6236a05f04aa1bfe\">\n                            \n                            <span class=\"ekit-accordion-title\">How is a financial planner different from a mortgage broker?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-left-arrows\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-93bf6236a05f04aa1bfe\" class=\" collapse\" aria-labelledby=\"primaryHeading-3-46a4f74\" data-parent=\"#accordion-6a05f04aa1bfe\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>A financial planner gives advice on managing your overall financial health, including investment strategies, retirement planning, and tax planning. A mortgage broker, on the other hand, specializes in helping individuals and businesses find and apply for the right mortgage to suit their needs. While both roles are important, they serve different functions in your financial journey.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-4-46a4f74\">\n                        <a href=\"#collapse-e2744fd6a05f04aa1bfe\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-e2744fd6a05f04aa1bfe\" aria-expanded=\"false\" aria-controls=\"Collapse-e2744fd6a05f04aa1bfe\">\n                            \n                            <span class=\"ekit-accordion-title\">Why should I consider financial planning?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-left-arrows\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-e2744fd6a05f04aa1bfe\" class=\" collapse\" aria-labelledby=\"primaryHeading-4-46a4f74\" data-parent=\"#accordion-6a05f04aa1bfe\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>Financial planning provides a roadmap for your financial future. It helps you understand how each financial decision you make affects other areas of your finances. By viewing each financial decision as part of a whole, you can consider its short and long-term effects on your life goals. Smart Adviser\u2019s financial planning services in NZ help you adapt more easily to life changes and feel more secure about your financial future.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-5-46a4f74\">\n                        <a href=\"#collapse-40de6e46a05f04aa1bfe\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-40de6e46a05f04aa1bfe\" aria-expanded=\"false\" aria-controls=\"Collapse-40de6e46a05f04aa1bfe\">\n                            \n                            <span class=\"ekit-accordion-title\">Is it worth investing in a Financial Planner in NZ?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-left-arrows\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-40de6e46a05f04aa1bfe\" class=\" collapse\" aria-labelledby=\"primaryHeading-5-46a4f74\" data-parent=\"#accordion-6a05f04aa1bfe\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>Absolutely! A trusted Financial Planner can provide invaluable assistance in mapping out your financial future, identifying opportunities, and helping you navigate complex financial situations. Their expertise can help you achieve your financial goals more efficiently and avoid costly mistakes.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-6-46a4f74\">\n                        <a href=\"#collapse-5b198ff6a05f04aa1bfe\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-5b198ff6a05f04aa1bfe\" aria-expanded=\"false\" aria-controls=\"Collapse-5b198ff6a05f04aa1bfe\">\n                            \n                            <span class=\"ekit-accordion-title\">How should I go about selecting a Financial Adviser in NZ?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-left-arrows\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-5b198ff6a05f04aa1bfe\" class=\" collapse\" aria-labelledby=\"primaryHeading-6-46a4f74\" data-parent=\"#accordion-6a05f04aa1bfe\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>Choosing a Financial Adviser in NZ involves considering several factors. Firstly, ensure they\u2019re registered with a recognised professional body for financial advisers. Look for advisers with a strong track record and positive client testimonials. Finally, make sure you feel comfortable with them, as a good adviser-client relationship is built on trust and open communication.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                                        <\/div>\n    <\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Home FAQ Frequently Asked Questions What is the difference between a financial planner and financial adviser? While both roles have a place in your financial journey, there are key differences. A Financial Planner in NZ provides comprehensive planning and strategies across all aspects of your financial life. They typically help with long-term plans, retirement planning, [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"pagelayer_contact_templates":[],"_pagelayer_content":"","footnotes":""},"class_list":["post-1133","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/smartadviser.co.nz\/2023\/wp-json\/wp\/v2\/pages\/1133","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/smartadviser.co.nz\/2023\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/smartadviser.co.nz\/2023\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/smartadviser.co.nz\/2023\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/smartadviser.co.nz\/2023\/wp-json\/wp\/v2\/comments?post=1133"}],"version-history":[{"count":4,"href":"https:\/\/smartadviser.co.nz\/2023\/wp-json\/wp\/v2\/pages\/1133\/revisions"}],"predecessor-version":[{"id":1137,"href":"https:\/\/smartadviser.co.nz\/2023\/wp-json\/wp\/v2\/pages\/1133\/revisions\/1137"}],"wp:attachment":[{"href":"https:\/\/smartadviser.co.nz\/2023\/wp-json\/wp\/v2\/media?parent=1133"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}