Our Services

1. Wealth Optimisation Service

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:

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

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

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

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.

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:

Investment Portfolios

Tailored portfolios for long-term growth or passive income.

We build and manage personalised portfolios when you are very unlikely to need the capital for at least 10 years.

Why clients choose us:

Only pay fees when you make gains
15‑year positive return guarantee on our investment selection
Transparent, long‑term, disciplined approach

Personal Insurance

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

We structure personal insurance only to the level needed to protect your ability to reach retirement and live the retirement you planned to.

We offer:

Income Protection
Trauma Cover
TPD Insurance
Health Insurance
Life Insurance

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

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.

KiwiSaver

Optimised for long-term retirement results.

Under $100k

Invested with our currently preferred partner - Milford Asset Management

Over $100k (KiwiWrap – Coming Soon)

Fully personalised KiwiSaver portfolio
Direct share ownership + lending assets
Lower structural fees than most retail KiwiSaver funds

Savings Portfolios

For short‑term security and low‑risk needs.

Designed for money you may need within 10 years, including:

Emergency funds
Business cash reserves
Tax money
House deposits
Short-term goals

Invested across:

On-call savings
Term deposits
Government bonds
Corporate bonds

Low risk, low return — ideal for stability for short-term needs, not growth.

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.