Most Kiwis picked their KiwiSaver fund years ago, or never picked at all, and haven't looked since. The difference between the right fund and the wrong one can be tens of thousands of dollars over time. Our Whangārei team offers a free check-up that takes about half an hour.
What we look at
- Fund type: is it matched to your timeline and how you feel about ups and downs?
- Fees and returns: what are you actually paying, and what are you getting for it?
- First home: using KiwiSaver for a deposit, with fund settings that suit a purchase a few years away rather than a few decades.
- Retirement: making sure the money's there, in the right shape, when you stop working.
- Investing beyond KiwiSaver: for Whangārei clients who want their money working harder than a fund cap allows.
Local, in person if you want it
Based on Okara Drive in Whangārei, with a team who can meet you in person or run the whole check-up over the phone, whatever suits.
What does it cost?
In most cases, our advice is always free. We generally get paid a small commission out of the fund's existing fees, not an extra cost to you. If a management fee ever applies, you'll hear it from us first.
FAQ
Do I have to switch providers to get advice?
No, sometimes the right answer is to stay put, just adjusted. We'll tell you either way.
How much should I be contributing?
Depends on your goals and timeline. Small tweaks now can make a big difference later, including making sure you get the full government contribution each year.
Can I use KiwiSaver for my first home?
If this is your first home and you haven't used KiwiSaver for a home purchase before, in most cases you can. We'll check your eligibility to be sure.
Is the advice really free?
In almost every case, yes. See "What does it cost?" above.