We start by determining:

1. What level of retirement income you think would be comfortable for you to live off, and;
    

2. The level of insurance protection you want in place to cover different risks (retirees generally have none).

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Risks to cover include:
 

• Loss of Income - You may need to replace your income if you can’t work, so bills are paid and your retirement savings contributions continue even during illness or injury.
   

• Loss of Life - Ensuring your family is financially supported if you pass away.
   

• Poor Health - Deciding how much you rely on the public health system versus private medical support.

Once we understand your priorities, we focus on minimising the cost of insurance by:

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• Paying you rebates after signing up of $1,000 or 12 months of premiums (whichever is lower).
   

• Reducing the amount of cover needed by considering your existing investments that could support you or your family.
   

• Monitoring your health and helping you improve it, because better health reduces the likelihood of claims and can lower long‑term insurance costs.
   

The goal over time is to reach a point where you no longer need personal insurances, because your wealth provides passive income and financial independence.

From there, we turn to your investments — building a personalised Investment Portfolio (including Personalised KiwiSaver), designed to maximise long‑term returns.

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Collies Wealth manages your investments through a disciplined, research‑driven process built on long‑term value, rigorous risk controls, and complete transparency.

We construct personalised portfolios using a proprietary investment database, regular monitoring, and company‑specific valuation models to ensure every asset aligns with your goals and values.

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• We utilise KiwiWrap to Personalise larger KiwiSaver Portfolios similar in nature to normal Investment Portfolios AKA Private Wealth Portfolios.
   

  • ​Truly personalised investment portfolios & for growing KiwiSaver's we utilise our preferred fund manager which can change and is reviewed regularly.

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• We invest in companies/shares directly not multiple fund managers eliminating the additional fees which destroy long term gains.
   

• Our governance framework requires explicit client approval for strategy changes we recommend, while still allowing you flexibility to pick and choose what is in a portion of your portfolio without our explicit agreement.
   

  • You can unilaterally select up to 15% of your portfolio but we must agree on 85%.

• You should choose us because our incentives are aligned with yours
   

  • ​We only earn fees when your wealth grows, we offer a 15‑year positive‑return guarantee on investment selection, and we hold ourselves personally accountable for long‑term outcomes. With Collies Wealth, you get disciplined management, client‑first decision‑making, and a partnership designed to help you retire with confidence.​

Finally, we regularly review your situation relative to your initial plan to determine whether your investments are on track to either achieve your target retirement income or ensure your retirement funds are projected to last until age 95 for retirees.

 

Collies Wealth Partnerships — Helping You Sleep Like a Baby