Expert insurance advice tailored to your life. We help New Zealand families and businesses build the right protection: clearly, honestly, and without pressure.
We're an independent insurance advisory firm built on relationships, expertise, and genuine care for our clients' wellbeing. Since 2010, we've helped New Zealanders across the country navigate complex insurance decisions with confidence and clarity.
Our approach is simple: understand your situation thoroughly, research the full market, and present clear options so you can make an informed decision. No jargon, no pressure, just straightforward advice tailored to your life.
Everything we do is conducted online and by phone, which means we work with clients right across New Zealand with the same level of care and attention.
When you work with us, the advice you receive is shaped entirely by your needs. We're 100% independently owned; no parent insurer, no product quotas, and no incentive to recommend anything other than what's genuinely right for you.
That means when we compare the market, we compare the whole market. When we recommend a provider, it's because they're the best fit for your situation. And when it's time to make a claim, we're in your corner advocating for the outcome you deserve.
Independence isn't just a label for us. It's the reason our clients trust our advice and stay with us year after year.
We analyse and compare offerings from all of New Zealand's leading insurers using independent research and industry ratings, so you get the best fit, not just the closest option.
Your initial consultation is just the beginning. We provide ongoing support through regular reviews, policy optimisation, and certainty at claim time.
We don't charge you for our advice. No hidden fees, no surprise charges. Every aspect of your protection strategy is explained in plain language and documented thoroughly.
Getting your claim paid quickly and fairly is what truly counts. We manage the process, advocate on your behalf, and don't stop until you get what you're entitled to.
Everything is conducted by phone and online, wherever you are in New Zealand. Here's what to expect:
We conduct a comprehensive review of your current situation, goals, and risk profile through a detailed phone or video consultation at a time that works for you.
Using independent research and industry ratings, we analyse and compare offerings from New Zealand's leading insurers to identify the best solutions for your needs.
We present tailored recommendations with transparent comparisons of costs, benefits, exclusions, and terms. No hidden surprises or complex jargon.
We adjust cover levels and policy structures together until you feel completely comfortable and confident. No pressure, no rushed decisions, just a plan that fits.
We manage the entire application process, including medical assessments and underwriting coordination. We'll explain any outcomes clearly and guide you through each option.
Once your policies are in place, we provide reviews at a frequency that suits your needs, ensuring your protection evolves with your life. And when claim time comes, we're right there with you.
Comprehensive insurance advice tailored to protect your income, your health, and your family's future.
Lump sum protection tailored to your family's specific needs and financial obligations.
Safeguard your earning capacity against illness or injury with cover providing up to 75% of your pre-tax income.
NZ's most frequently claimed cover. Immediate cash support following diagnosis of serious conditions.
Substantial financial support if you become permanently unable to work, securing your future.
Access premium healthcare on your terms, with access to specialists, diagnostics, and treatment without public system delays.
Ensure business continuity by safeguarding your company's most valuable assets; people and cash flow.
Protect the personal assets that give you security and comfort: your home, vehicle, and belongings.
Cover for when you're away from home, including medical emergencies, cancellations, and lost luggage.
KiwiSaver is one of New Zealand's most powerful wealth-building tools, yet many Kiwis aren't getting the most out of it. A few simple changes today can make a real difference to your retirement.
We look at your risk profile, timeline, and goals to recommend the fund type that suits where you're at and where you're heading.
Make sure you're getting the full government contribution and employer matching, without overcommitting your day-to-day budget.
Independent assessment of KiwiSaver providers based on fees, performance, and service, with the support to switch if it makes sense.
Periodic reviews to make sure your KiwiSaver is still working hard for you as your circumstances and the market evolve.
Being in the right fund with the right contribution rate can add hundreds of thousands of dollars to your retirement balance over time. It's one of the easiest wins in personal finance, and we can help you get it right.
Discuss your KiwiSaver →Book a no-obligation consultation and we'll help you understand where you stand, and where you need to be.
We believe in complete transparency. Here's everything you need to know about who we are, how we work, and how we're compensated.
Tim Arrowsmith and Max Arrowsmith are financial advisers who run a licensed financial adviser business called Arrowsmith Financial Services Ltd.
Arrowsmith Financial Services (FSP715071) is a Financial Advice Provider (FAP) licensed and regulated by the Financial Markets Authority to provide financial advice.
Tim Arrowsmith — FSP95445
Max Arrowsmith — FSP468806
You can contact us at:
Mail: P.O. Box 78, Tauranga, 3114
Phone: 027 751 9190 (Max) or 021 221 4416 (Tim)
Email: admin@arrowsmithfs.co.nz
Website: www.arrowsmithfs.co.nz
Areas we can provide you with financial advice:
We do not give advice on life investment products including whole of life, endowment, unit linked insurance and insurance bonds.
We source products from the following companies:
Arrowsmith Financial Services, and anyone who gives financial advice on our behalf, have duties under the Financial Markets Conduct Act 2013 relating to the way we give advice. We are required to:
This is only a summary of the duties that we have. More information is available by visiting the Financial Markets Authority website at fma.govt.nz
Commission: Arrowsmith Financial Services Ltd is paid in the form of commission by the insurance company or KiwiSaver fund that you place our recommended products with. The amount of commission is based on the amount of the premium for insurance or KiwiSaver balance. These commissions vary depending on the product provider used and will be detailed at the time any advice is provided to you.
Fees and charges: At Arrowsmith Financial Services we do not charge fees, expenses or any other amount for any financial advice we provide to our clients.
Managing conflicts of interest: To ensure that we prioritise your interests above our own, we follow an advice process that ensures our recommendations are based on your objectives, needs and circumstances. We further manage possible conflicts of interest by:
If you are not satisfied with our service or financial advice, please tell us as soon as possible so that we can try and resolve this for you. You can make a complaint by:
Call: Tim Arrowsmith — 021 221 4416 or Max Arrowsmith — 027 751 9190
Email: tim@arrowsmithfs.co.nz or max@arrowsmithfs.co.nz
Write to: P.O. Box 78, Tauranga, 3114
Our internal complaints process:
If we cannot agree on how to fix the issue, or if you decide not to use our internal complaints process, you can contact our external disputes resolution scheme, Financial Services Complaints Ltd. They provide a free and independent dispute resolution service.
Call: Karen Stevens — Insurance & Financial Services Ombudsman — 04 499 7612
Email: info@iombudsman.org.nz
Write to: P.O. Box 10 845, Wellington 6143
Arrowsmith Financial Services collects and holds personal information in accordance with the Privacy Act 2020. We take our obligations seriously and are committed to protecting your information.
What we collect and why: We collect personal information including your contact details, financial circumstances, health information, and employment details. This information is collected for the purpose of providing you with personalised financial advice, arranging insurance cover, and meeting our regulatory obligations.
How we store your information: Your information is held securely using password-protected digital systems with encryption and restricted access. We retain client records for a minimum of seven years from the date of last advice or service, as required by our regulatory obligations.
Who we share it with: We only share your personal information with insurance providers and other third parties where it is necessary to arrange or administer your cover, or where we are required to by law. When we share your information with insurers and product providers, each provider collects that information under their own privacy statement, which explains how they use your data and how you can access or correct it. Each provider's privacy statement can be found on their website, or we can provide it to you on request. Full details, including links to each provider's privacy statement, are included in the Disclosure Statement we provide at the start of the advice process. Your information will not be provided to any party outside of this authorisation without your written consent.
Your rights: Under the Privacy Act 2020, you have the right to:
Data breaches: In the event of a privacy breach that may cause serious harm, we will notify affected individuals and the Privacy Commissioner as required under the Privacy Act 2020.
Privacy officer: Max Arrowsmith is our designated privacy officer. If you have any questions or concerns about how we handle your information, please contact us at max@arrowsmithfs.co.nz or 027 751 9190.