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Building Financial Capability Plus

Building Financial Capability Plus (BFC Plus) is an intensive service aimed at helping people, families, and whanau with multiple and complex needs.

It is a holistic approach to building financial resilience that acknowledges financial issues don’t occur in isolation of people’s wider social needs.


BFC Plus is currently available at 15 locations with the highest need for services, identified through an analysis of relevant deprivation data. These communities are:

  • Whangarei
  • Kaitaia
  • Central Auckland
  • South Auckland
  • West Auckland
  • Hamilton
  • Tauranga
  • Rotorua
  • Gisborne
  • Whanganui
  • Palmerston North
  • Lower Hutt (2 providers)
  • Porirua
  • Christchurch (2 providers)
  • Invercargill.


Providers contracted for BFC Plus services employ full-time equivalent/s (FTE) known as Kahukura to deliver this service.

Kahukura work with clients who meet specific criteria, which includes multiple disadvantages. They work within a strengths-based framework to support clients and whanau to achieve their wellbeing goals. Kahukura practice follows Tikanga Māori and Pacific frameworks which have been developed to deliver optimum client experience.

Kahukura carry out three key tasks:

  • Intensive one-to-one case management with clients, families and whanau
  • Navigation and co-ordination services
  • Building holistic capability within their communities.

They are accountable for:

  • Contributing to the improved wellbeing, social and economic inclusion outcomes of clients
  • Reducing people’s financial vulnerability to a variety of unexpected shocks.

Resources for providers

A range of guidance and resources are available for providers. This includes the BFC Plus Service Guidelines, reporting methods, and Client Outcomes measurement methods.

Your feedback

We are always keen to hear your feedback about these resources so please email us at

Archive: BFC Plus Interim services

All contracts to deliver the BFC Plus Interim service ended 30 June 2019.

From 2017 to 2019, while the current BFC Plus model was being co-designed, some BFC core service providers received a slightly higher session rate to deliver BFC Plus Interim services.

Background: This 2018 FAQs sheet gives an overview of the changes at that time.

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