Smarter KiwiSaver Strategies for a Stronger Financial Future
KiwiSaver plays a key role in your long-term financial well-being. We make the process straightforward and aligned with your personal goals. Whether you are getting ready for retirement or saving for your first home, we are here to help you make smart choices.
OUR SERVICES
Helping You Get the Most from Your Investment
KiwiSaver is more than just a savings scheme. It’s a way to grow your long-term wealth. You can access government and employer contributions. It can also help you on your path to homeownership.
Navigating your options can feel complex, given the wide range of providers and fund types available. That’s where we come in. We aim to simplify your decision-making by offering tailored investment strategies to suit your needs.
If you want steady growth over time, smart investment choices, or an easy way to manage your savings, we can help. Our experts are here to assist you at every step.
Easy to switch – Transferring to a new provider is quick, secure, and hassle-free
Clear options – Choose from a selection of funds that reflect your goals and risk profile
Personalised support – We help you understand your options so you can make confident, informed decisions
What You Can Access
KiwiSaver offers a range of benefits designed to support your financial future:
Government Contributions
If you contribute a minimum of $1,042.86 annually, the government will contribute up to $521.43 each year, helping accelerate your savings.
Employer Contributions
Most employers require you to contribute at least 3% of your salary, which is a valuable addition to your investment.
Investment Options
You can choose from different funds based on your risk level and financial goals. These range from conservative to high-growth options.
free kiwisaver tool
Our Free KiwiSaver Tool: How It Works
STEP 1: Identify
Complete our online KiwiSaver FactFind tool to enable us to assess your situation and tailor advice specifically to you.
STEP 2: Personalise
We will give you a quick call to discuss your current situation and answer any questions you may have.
STEP 3: Decision
Your personalised KiwiSaver Advice will be sent directly to your email. From there, you can choose whether to adopt our suggested strategy or stick with your current plan.
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Frequently Asked Questions about KiwiSaver
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Yes. Employee contributions are calculated on your before-tax pay. However, you still pay tax on the full amount that you earn. Employer contributions are taxed before entering your account, and investment earnings are taxed at your Prescribed Investor Rate (PIR).
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Yes, provided you intend to build a home on that land. You can withdraw money for land-only purchases under the First Home Withdrawal rules. This is allowed if you plan to build a primary home.
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The right fund depends on your financial goals, investment timeframe, and risk tolerance. Our FactFind tool can help identify a suitable option.
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Fund types generally include:
Defensive – Lowest risk, minimal returns
Conservative – Low risk, stable returns
Balanced – Moderate risk and return
Growth – Higher risk, greater potential return
Aggressive – Highest risk, highest return potential
Each fund has different asset classes: cash, bonds, equities, and property.
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No. Your entire balance is transferred to your new provider. While the process can take several weeks, your savings remain secure throughout.
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You can contribute 3%, 4%, 6%, 8%, or 10% of your salary. Employers are required to contribute a minimum of 3% unless you’re on a contributions holiday.
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You can access your entire balance at age 65. Depending on your needs, you may withdraw a lump sum, set up regular withdrawals, or leave your funds invested.
Ready to take action?
Book a Free Consultation
Our Advisers offer a safe space to discuss your future plans before delivering a Financial Roadmap to help you achieve these goals and desires.