Yes, and this is an integral part of holistic financial planning. We treat KiwiSaver as part of your overall asset allocation strategy, so investment decisions always consider your combined financial picture rather than ending up over- or under-exposed in one bucket. Because KiwiSaver investments are usually "locked-up" for the long term, they will often be invested following slightly different models, but they'll follow an overarching investment strategy.

We charge on a fee‑only basis: a tiered asset management charge (starting at 0.90% down to 0.35 % for balances above $5M). We don't accept product commissions or trail commissions from investment providers or fund managers.

Most banks want 20 %, but we routinely place strong cases with 10 % deposits, even 5 % for Kāinga Ora First‑Home Loan qualifiers.

In some cases we can and will include single stocks in portfolios, if the client strategy supports it. Or if you want to include holding of a certain company that you feel strongly about, we can incorporate that into a broader portfolio strategy.

In most cases we construct portfolios using exchange-traded and mutual funds that are low-cost, tax efficient, and liquid. This gives us the ability to access asset classes and investment factors cost-effectively in a high diverse and efficient manner.

In some cases we will included individual fixed income assets in client portfolios - they can be a more efficient way of owning cash-generating assets suitable for retirees or individuals or trusts looking for cash income.

No - we can open investment accounts with no initial funds and can accept regular deposits from as little as $50 per month.

This varies from client to client but will usually be based on a framework of investment "buckets" - pools of assets invested following different strategies based on the different time horizon for each. For example - an income bucket with 1-2 years of cash-generating capacity, matched with a growth bucket holding longer-term assets.

If you want a regular payment of cash or income from your portfolio, this can be paid out at any schedule you like - annually, monthly, fortnightly - and can be updated or changed at any time you like.

Absolutely. We have a range of ESG-aware portfolios and can exclude fossil fuels, weapons, or other "dirty" sectors and tilt toward companies with higher ESG scores, all while maintaining diversification and cost discipline.

All portfolios are held with our independent custodian and investment platform NZX Wealth Technologies. We have execute-only transaction authority, you'll receive half-yearly statements directly from the custodian, and funds can only be withdrawn to your nominated banks account.

In terms of investment strategy - your portfolio strategy is agreed with you up front, and you have access to our investor portal any time you like. This will give you visibility of performance, transaction, how your portfolio is tracking to strategy.

Absolutely. We provide yearly tax packs and liaise with accountants to streamline returns for PIE, FIF and foreign income. If you don't have an accountant or tax agent, we can act as your tax agent and complete and file FIF, PIE and other income as part of your IR3 or IR4 returns.

Asset allocation is the number one driver of returns. Global diversification is free money. Costs should be kept as low as practically possible, but not at the expense of asset allocation or diversification. Investors own behaviour is the only thing they can practically control and will have more impact on long-term wealth than anything else.