Contributions:
You are currently contributing enough to gain the maximum required employer and government contribution, therefore I see no need to change your contributions.
Returns
I’ve taken a close look at where your KiwiSaver is currently invested (Provider), as well as how those funds invested (Fund Type). In making my recommendation, I’ve considered your age and stage of life, how comfortable you are with risk and market ups and downs, and the goals and timeframe you’re working towards.
Provider or Fund Manager (who's looking after your KiwiSaver)
Fund Type - based on your timeframe and risk profile
KiwiSaver
Mortgages
We’ll help you get the money – and then get rid of it too.
Whether it’s your first home, your next home, or an investment property, we’ll help you secure the funds you need — and structure them smartly.
It’s easy to get caught up on interest rates, but that’s just one piece of the puzzle. The real difference comes from having the right structure — one that reduces risk, gives you flexibility and control, and helps you pay down debt faster and more effectively.
We look at the whole picture — not just the rate. From understanding your borrowing power to structuring your loans for long-term success, we’ll guide you every step of the way — all the way to debt-free.
Managed Funds
An investment strategy that matches you.
Managed funds are a great way to put your money to work — but it’s important that they align with your comfort level, time horizon, and financial goals.
At their core, managed funds are diversified investment portfolios — a mix of shares, property, bonds, and fixed interest spread across different industries, asset classes, and regions. That diversity helps reduce risk, smooth out returns, and keep your money accessible when you need it.
In many ways, it’s what your KiwiSaver already does — only this time, your money isn’t locked away until 65.
We’ll take care of the setup and ongoing management, so you can focus on living your life, knowing your money is being productive behind the scenes. Because smart investing isn’t about chasing the next big thing — it’s about direction, discipline, and time doing its thing.
Investment Property
Making property part of your bigger picture.
Property can be one of the most powerful ways to build wealth — when it’s done with purpose and a plan.
We’ll help you figure out what “right” looks like for you:
what kind of property fits your goals,
where and when to buy,
how much to invest,
and how it all fits within your overall financial strategy.
With over two decades of experience helping Kiwis build long-term security through property, we know it’s not just about finding a property — it’s about finding the right one. Backed by data, insight, and experience, we’ll help you make confident decisions that support your bigger plan.
Insurance
Security that gives you freedom.
No one likes thinking about insurance — until the day they’re glad they did.
This isn’t about fear or worst-case scenarios. It’s about freedom. Freedom to live boldly, knowing that if life doesn’t go to plan, you and your family are protected.
We’ll help you work out what protection you actually need — nothing more, nothing less. It’s about balance: enough cover to give you confidence, without paying for things that don’t serve you.
We tailor your insurance around your life, your priorities, and your financial strategy — so it fits seamlessly, not fearfully. Because true wealth isn’t just about what you have; it’s about knowing you’re secure, no matter what happens.
Retirement Planning
Design your next chapter.
Retirement isn’t about slowing down — it’s about finally having the freedom to live life entirely on your terms.
We’ll help you picture what that looks like for you (we know it’s not easy), then build a plan to make it happen.
Together, we’ll model different scenarios, explore income options, and make sure your money keeps working for you – long after you’ve stopped working for it.
Whether you want the choice to retire early, travel often, try something new, or simply have more “me-time”, we’ll help you turn that vision into a clear, achievable strategy.
Retirement isn’t about slowing down — it’s about finally having options and the freedom to do whatever you choose.