Most people feel more protected than they actually are. I’m Jan Viljoen — an independent New Zealand financial adviser who helps expat professionals, migrant families and business owners find that gap and close it. Clear, honest advice from someone who’s walked the same path.
Jan treats advice as a conversation, not a transaction. Before recommending any product, he works to understand the gap between how secure a client feels and how secure they actually are — because that gap is where most financial risk hides.
Jan Viljoen is a New Zealand–based financial adviser known for his disciplined approach to wealth protection, long-term planning and practical financial strategy. Operating under JV Financial Services (FSP 605149), Jan works with individuals, families and business owners to design financial structures that protect income, grow wealth and provide certainty in an uncertain world.
With expertise across insurance, KiwiSaver, investments and financial planning, Jan focuses on helping clients make confident decisions about their financial futures — spanning life cover, trauma cover, income protection, disability cover and private health insurance, alongside strategic investment and KiwiSaver advice. His philosophy is simple but powerful: protect first, grow second.
Jan is known for translating complex financial concepts into clear, practical advice. Clients value his structured approach to risk analysis, needs assessments and tailored Statements of Advice, ensuring every recommendation is grounded in careful planning and real-world outcomes.
At his core, Jan believes financial advice should empower people. His work is driven by the conviction that the right plan — implemented with discipline — can transform uncertainty into security, and ambition into reality.
There’s a personal story behind the discipline. Jan rebuilt his life from scratch as a migrant, moving his family from South Africa to New Zealand in 2018 and settling at Papamoa Beach. He has also personally faced serious illness and major heart surgery — so he doesn’t advise on income protection, trauma and life cover from a script. He has lived the exact events these policies exist for.
Away from work you’ll find him with his family and on the water — fishing, boating, camping, and out in the caravan or 4×4.
“Financial advice is personal. The best solutions come from understanding people, not just numbers.”
Jan Viljoen is a New Zealand–based financial adviser and MDRT member, advising under JV Financial Services (FSP 605149). Originally from South Africa, Jan rebuilt his life in NZ and has personally faced serious illness — so he advises with first-hand understanding of why protection matters. He helps individuals, families and business owners with life insurance, income protection, trauma and health cover, KiwiSaver, investments and financial planning, using a disciplined, structured advice process. His philosophy: protect first, grow second. He is independent, charges clients no fees, and offers a free, no-obligation consultation nationwide.
A family-run practice. You deal with Jan directly — never a call centre or a rotating roster of advisers.
Not tied to one insurer. Jan advises across the major providers and recommends only what genuinely fits.
Complex decisions made simple — through clear documentation, education and ongoing access whenever you need it.
An MDRT member: a global standard of professionalism Jan holds himself to, year after year.
New to New Zealand? Jan made the move from South Africa himself — so he’ll help you navigate KiwiSaver, get the right cover, and build real security in an unfamiliar system.
Growing income and people who depend on you — build wealth while protecting the life you’ve worked for.
Protect your income, your key people and your family’s wealth, so the business you built keeps standing.
Certainty and protection for the people you love, so a tough season never becomes a financial crisis.
Outcome-led advice across protection, planning and wealth. Two areas lead everything else.
Make sure the people who depend on you are looked after, no matter what. A tax-free lump sum that protects your family’s future — plus a free Will with every risk policy.
A disciplined, structured plan built around your goals: protect your income, grow your wealth, and make confident decisions with someone who explains every step.
Most adviser sites sound the same. Here’s what actually sets Jan apart.
| What matters to you | A typical adviser | Working with Jan |
|---|---|---|
| Choice of insurer | Often tied to one or two providers | Independent — a range of major & specialist insurers |
| What you pay | Fees can be unclear | No client fees — commission disclosed openly |
| Advice process | Product-first | Structured risk analysis & written Statement of Advice |
| After you’re covered | Set and forget | Ongoing reviews as your life changes |
| Your legacy | Not included | Free Will with every risk policy |
“Wonderful easy service from Jan. He helped us with Life Insurance while keeping our budget in mind. He actually gave us cover for all the children at no cost. And to top it off we had our wills done with Jan for free as part of the deal. Now we are sorted out. I am recommending him to everybody.”
“We are only still at the beginning of the journey, and already I have gained a lot of insight, clarity and a huge amount of info, and we appreciate that ‘care’ is always part of the assistance shared. Knowing that we will be financially ‘safe’ when we take the leap — thanks.”
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General information, not personalised financial advice. For advice tailored to you, book a free consultation.
A free, no-obligation conversation about your next best step. No pressure, no jargon.
