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Our Services

1. Wealth Optimisation Service

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Our primary and most valuable service.

 

This is where we take a holistic view of your entire financial life and design the most effective long‑term strategy for you.

 

What we do:

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  • Analyse your full financial situation — assets, debts, income, spending, KiwiSaver, property, investments, insurance

  • Model your future outcomes

  • Identify risks, inefficiencies, and opportunities

  • Recommend the best path forward to achieve your goals

  • Create your personalised Wealth Optimisation Strategy (your plan)

  • Free financial planning — we invest in you first

  • No obligation to implement with us

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Who it’s for: Anyone who wants to retire with confidence and wants an adviser who sees the whole picture, not just one product.

2. Focused Implementation Service

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This service is for clients who already know exactly what they want and simply want us to implement it safely and correctly.

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How it works:

 

a) You tell us:

  • “Invest $X for the next 10+ years to help my retirement.”

  • “Grow this $1,000,000 for me until I need it or it joins my estate”

  • “Pay me $20,000 per year from my portfolio. and protect the capital base”

  • “Invest $10,000 from my savings each year in a portfolio.”

 

b) We confirm:

  • your time horizon is 10+ years (for long-term investments)

  • you understand the risks and rewards of investing

  • your investment purpose

 

Then we implement it exactly as instructed using our structured processes.

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Who it’s for: Anyone who wants help investing but doesn't want a full wealth strategy. They know enough to plan and allocate their current and future assets into the right areas, but they don't have the time or knowledge to manage their portfolio on a day-to-day basis.

Under each service you can choose to use any or all of the following options:

01

Investment Portfolios

​Tailored portfolios of shares in large public companies for long-term growth and/or passive income.

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Under $50k - Wealth Builders Service

  • We provide you advice on what Investment Manager we think is best for you at the time (this can change as portfolio mangers change or the company investment strategy changes) and then we recommend what fund is best to achieve your specific objectives while balancing risk.

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Over $50k - Premium Service

  • We manage your investments in platform where we do all the administering of your portfolio. Saving you time!

  • Unless your portfolio is really large (~ $2m +) then it is likely a lower cost for you as well.

  • It generates much better reporting on performance.

  • More flexibility and range of assets available to buy in portfolios.

  • Implementation Fees on capital contributed and annual invoicing based on profits made in the portfolio.

 

Why clients choose us:

  • Truly personalised Investment Portfolios - where you can influence decisions and even invest up to 15% against our advice but 85% must be agreed and you can request research on exciting companies you hear about

  • You only pay fees when you make gains after implementing new funds

  • You get a 15‑year positive return guarantee on our investment selection - if you go down, we go down with you.

  • Transparent, long‑term, disciplined approach

  • Everything managed in one place, following one cohesive strategy

02

KiwiSaver

Optimised for long-term retirement results.

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Under $100k - Wealth Builders Service

  • Invested with our currently preferred partner who most closely follow our investment philosophy - this can change as managers change within funds, so it is reviewed regularly.

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Over $100k (KiwiWrap – Coming Soon) - Premium Service

  • Fully personalised KiwiSaver portfolio

  • Direct share ownership + lending assets

  • Lower structural fees than most actively managed retail KiwiSaver funds​

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Why clients choose us:

  • You are rewarded for saving and reaching the threshold to open have a personalised KiwiSaver where you have control over the type of investments you own

  • Fees are linked to performance for you which is very unique - refunded when you withdraw if returns are low, but you may need to pay more if we do really well as we aim to

  • 15‑year positive return guarantee on our investment selections

  • Transparent, long‑term, disciplined approach

  • Everything managed in one place, following one cohesive strategy

03

Personal Insurance

Insurance that protects your wealth journey — not someone else’s incentives (i.e. most brokers...).

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We structure personal insurance only to the level needed to protect your ability to reach retirement and live the retirement you planned to. This means that as your net worth increases and you close in on your target retirement income, we recommend reducing your insurance cover. This means you lower your insurance bill every year.

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We offer:

  • Income Protection

  • Trauma Cover

  • TPD Insurance

  • Health Insurance

  • Life Insurance

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Our philosophy:

  • Insurance should reduce over time as your wealth grows

  • Premiums should not increase much if at all, as long as you’re saving/investing

  • We remove human bias using a rules‑based calculation process

  • Insurance and investments work together under one adviser

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This is completely different from traditional advisers who make more money by selling more cover as they don't focus on your wealth like we do.

When you receive advice from multiple advisers, you don’t get a strategy — you get contradictions.

 

A single, comprehensive plan aligns your money, your goals, and your future.

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