About Us

Why choose G3?

Our Mission

To create financial freedom

Everyone is unique – we want to make a positive difference

What you need to know

G3 Financial Freedom Limited (FSP16205) holds a licence issued by the Financial Makets Authority (FMA) to provide financial advice services.

You can find our more about the types of services we offer and how we work, here.

How we operate

We are the personal trainers of the financial world.  We walk alongside you through the whole process, providing support, education, clarity, focus, empowering you to take control of your financial affairs.

We guide clients to achieve the CASHFLOW they need when they require it, help them maintain or gain CONTROL financially, to create CERTAINTY for them and their future.

Creating wealth and financial freedom is always personal; so we work with clients to help them uncover their GOALS & then with expert GUIDANCE they will achieve the GROWTH they want. It is about getting the life they desire.

Like a personal trainers, we provide a plan for our clients to achieve their goals and guide them to stay on track. We help make a difference in our client’s financial world, so they can get on with enjoying the rest of their life knowing we are helping take care of their future

Our Values

  • Generous

    We are generous with our time, knowledge and experience.

  • Gregarious

    We enjoy what we do and we want you to enjoy working with us too. Dealing with financial matters can be illuminating, interesting and empowering.

  • Guardians

    We help clients make informed decisions about protecting and growing their wealth.

You should choose us because:

  • Both Jane and Charlene have over 30 years of financial services experience
  • They are both Accredited Investment Fiduciaries (AIF®), a designation from the Centre for Fiduciary Studies (www.fi360.com), University of Pittsburgh, USA.  An AIF understands why and how to implement fiduciary practices for clients and the importance of correctly structuring portfolios for Trustees to meet their responsibilities
  • All our advisers have tertiary qualifications and Jane and Charlene have reached an internationally recognised standard   – Certified Financial Planner (CFP) and Chartered Life Underwriter (CLU)
  • We are voluntarily members of Financial Advice New Zealand and as such, adhere to their Code of Conduct and Practice Standards in addition to what is legislated by the Financial Markets Authority
  • We are fee-based advisers and our financial planning and investment advice is always paid for directly by our clients
  • We are not aligned to any investment or insurance provider so you can rest assured you are receiving advice that is purely in your best interests and not that of any other corporate entity

Who we are:

Charlene Overell, CFPcm CLU AIF®


I have been part of the Financial Services industry since leaving school in 1984. Over the years in both my business and personal life, I have acquired a passion for helping people to be the best they can. I love challenging myself in all sorts of ways, and within my business, have the honour of challenging my clients’ perceptions and beliefs, guiding them to a strong, independent financial position.

I immigrated to New Zealand in 2005 with my husband and then two young children.  I have enjoyed being a Scout Leader and I am currently a volunteer driving navigator with Blue Light Youth Driver Navigation Programme.  I have a passion for mentoring youth to help them become even more amazing individuals.  I believe in supporting other’s personal development and the wonderful spirit of new adventure.

In 2010 I became an owner and director of G3 and I am proud to work with our team. I often remind myself of the saying ‘It’s choice, not chance, which determines destiny’.

I have worked hard throughout my career to underpin my values and beliefs with a huge range of skills and experience which I continue to develop and enjoy passing on. I am proud to be a Certified Financial Planner (CFPCM), Accredited Investment Fiduciary (AIF®) and Chartered Life Underwriter (CLU): designations earned following a rigorous examination process and certification by professional bodies worldwide.  I currently support our association, Financial Advice New Zealand, by being a committee member on the Financial Planning & Investment advisory committee and our CFP Certification Committee.

Email: charlene@g3freedom.co.nz

Jane Benton, CFPcm CLU AIF®


I have been working in financial planning since 1989. In my first 15 years with a bespoke financial planning agency in the UK, I was responsible for the company’s share-dealing service, processing of life, pension and protection arrangements as well as collating performance statistics for £62m of funds under management.

In 2004 I moved to New Zealand with my three daughters (now all grown up) and married my husband, Richard. I am a Certified Financial Planner (CFPCM) and Chartered Life Underwriter (CLU) and an Accredited Investment Fiduciary (AIF).

Establishing and being a part of G3 Financial Freedom enables me to build long term relationships with clients and provide holistic financial planning advice – something I have always done and love to do. I have a strong technical and working knowledge of the UK Pensions sector and can provide comprehensive advice to UK immigrants considering transfer of their pension funds to New Zealand.

Email: jane@g3freedom.co.nz

Cathy Fletcher

Client Services Manager

I have been in the financial services industry since 1990 working for one of the big four Trading Banks. I began as a teller and worked my way through to specialising in home lending. In 2004 I was appointed the Mortgage Broker liaison person for the Bay of Plenty region because of my huge passion for customer service and a ‘can do’ attitude.

For the first 8 years of my working life I lived in Australia progressing through the hospitality industry to managing motels. On return to NZ in 1984 I looked for the next challenge, decided on self employment in Tauranga and bought Le Café with my sister. It was a very successful business and I found it a great way to get to know the local community. Owning Le Café incorporated many of my passions, customer service, people and food and I sold the business successfully in 1987.

I have always recognised the importance of astute financial planning in my working life so it was a obvious choice for me to join Jane Benton and Charlene Overell at G3 Financial Freedom Limited from its launch. The values of the company align perfectly with all of my own – honesty, integrity, straight forward quality advice with a passion for customer service.

Email: cathy@g3freedom.co.nz

Ellie Pickford, BBus (Hons), Finance  BBS Finance, CertFinServ

Financial Adviser

I grew up in Nelson and studied in Auckland before relocating to Tauranga in 2014.  I have been with G3 since mid-2018 and play an active role in this dynamic and innovative firm.  I hold an Honors degree in Finance and I am currently studying towards becoming a Certified Financial Planner.

I have two young children, and  I’ve recently become involved as parent support within their scout group, which is an amazing organisation to be part of – I’m really enjoying seeing the youngsters grow and develop, whilst having fun myself!

Seeing my children’s worldview develop has cemented in me the material need to encourage all individuals and families to value financial independence and security.  I am proud to be able to use my knowledge and learnings to help support our clients with sound long-term financial planning guidance, as I believe personal finances are an important area for all individuals and families to master.

Email: ellie@g3freedom.co.nz

The industry in which G3 operates is highly regulated to protect you, our customer. We comply, in fact exceed the requirements of the regulatory bodies. The following links lead you directly to the requirements as stated on these organisations websites.

Choosing a Financial Adviser


Choosing An Adviser  click here

About ‘Professionally Qualified Financial Planners’ – Certified Financial Planner click here
About ‘Professionally Qualified Advisers’ – Chartered Life Underwriter click here

In our newsletter archives you will find a wealth of information that will assist you to make decisions and understand G3’s recommendations.

Newsletter Q4 2015 – A Lesson in Listening to So-Called Experts
Newsletter Q3 2015 – Your Children Might Thank You For This, Benefits of Diversification
Newsletter Q2 2015 – Secure Retirement, Buyer Beware
Newsletter Q1 2015 – Active vs. Passive Investing, Budget Table

Newsletter Q4 2014 – What Financial Planners Really Do
Newsletter Q3 2014 – Retire When You Choose, Next 25 Facts on Future of Business
Newsletter Q2 2014 – Losing Value from your Portfolio, 28 Facts on Future of Business
Newsletter Q1 2014 – Prescribed Investor Rates (PIR), Budget Planner

Newsletter Q4 2013 – Living Local, Acting Global
Newsletter Q3 2013 – Family and Friends Loans
Newsletter Q2 2013 – Power of Attorney
Newsletter Q1 2013 – Budget Planner, Making Your Will

Newsletter Q4 2012 – A-Z of Economics
Newsletter Q3 2012 – Protecting Your Business, Your Money in Retirement
Newsletter Q2 2012 – Travel and Insurance, UK Pension Transfers
Newsletter Q1 2012 – Avoiding Investment Bias, Business Risk Planning Case Study

Newsletter Q4 2011 – Who Wants To Be A Millionaire, Succession Planning
Newsletter Q3 2011 – Finance and Fashion, Does Wealth = Money
Newsletter Q2 2011 – Medical advice, Financial Planning Case Study
Newsletter Q1 2011 – Insurance and Disaster Recovery, Financial Data, Financial Planning Case Study

Newsletter Q2 2010 – Financial Advise Industry Changes, G3 Investment Philosophy

G3 is pleased to write for NZ’s media on investing and how to achieve financial freedom. To read click on the links below:

General information only: The information on this website is general in nature and is not intended to be personalised financial advice. You should consult a professional financial adviser before making any financial decisions or taking any action based on the information on this website.

No liability: G3 Financial Freedom Limited does not accept any liability for any loss or damage arising from the use of this website. This does not prejudice your statutory rights.

Accuracy of information: While G3 Financial Freedom Limited has taken all reasonable care to ensure the information on this website is accurate, errors and omissions may occur. We do not accept any responsibility for any inaccuracy, error or omission in the website’s content, or for any loss caused to
anyone from relying on that information. We may change, delete, add to or otherwise amend the information published on this website without notice.

Historical information: Any reference on this website to historical information and performance of a product or service may not necessarily be a good guide to future performance. You are solely responsible for any loss caused from relying on such information.

Third Party websites: This website may contain links to other websites which are not under our control. G3 Financial Freedom Limited has no knowledge of or control over the content, and availability of those websites, or of their privacy practices. We do not sponsor, recommend, or endorse the content of other websites linked to, or referenced from, this website.

New Zealand law: The information on this website has been prepared to comply with, and is governed by, New Zealand law. It is only intended for use by persons within New Zealand’s jurisdiction. G3 Financial Freedom Limited does not make any representation that the information on this website complies with the law in any other country.

Cybersecurity: Although we regularly update our cybersecurity and virus protection software, we do not guarantee that our website will be free from viruses or other malicious interference (such as spyware,
malware, adware, ransomware and worms) that can damage your computer system and access your data.

Continuous access: We do our best to keep this website running smoothly. However, we do not guarantee that access to the website will be uninterrupted. We accept no liability for any loss caused by the website being temporarily unavailable either during its planned maintenance or due to technical or other issues beyond our control.

Copyright and IP: Unless otherwise indicated, all information on this website is the property of G3 Financial Freedom Limited and is protected by copyright and intellectual property laws. Unless stated otherwise, you may access and download the materials located on this website only for personal, or agreed upon commercial use. The website may contain a number of trademarks which are owned by G3 Financial Freedom Limited or used with the permission of the registered trademark owner. Before using any material on this website that is identified as being subject to copyright of a third party, you must obtain authorisation to use or reproduce the material from that third party.

Privacy: click here to read our Privacy Statement. This brief statement will help you to understand what personal information we collect, how we use it, and who we share it with.