For New Zealand Employers

Your best people deserve more than a pay rise

Financial stress is the number one hidden productivity killer in NZ workplaces. MMFG's employer wellbeing programmes give your team real, personalised financial advice — at group rates your staff couldn't access on their own.

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Two happy colleagues celebrating getting their finances sorted

3.2 hrs

lost per employee per week due to financial stress — NZ workplace research

76%

of NZ employees say financial wellbeing support would make them more loyal to their employer

$150/head

starting price for a professional financial review for every person on your team

The problem

Paying more isn't always the answer

A salary bump is temporary. Financial stress comes back. What your team actually needs is the knowledge and support to make their money work — and that's something most NZers have never had access to.

😰

Financial stress is silent

Your staff worry about debt, KiwiSaver, mortgages and insurance in quiet moments at their desk. They rarely tell HR. But it costs you in focus, motivation and retention.

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More pay ≠ more security

Without the skills to manage it, higher salaries often just mean higher spending. Financial education creates lasting change — not a short-term fix that fades in 3 months.

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Your competitors are moving

Financial wellbeing is now in the top 5 most desired workplace benefits in NZ. Early-mover employers are using it to attract and retain people at every level.

What we offer

A complete financial wellbeing programme

From one-off financial health checks to full ongoing adviser relationships — and everything in between. Mix, match or let us design a programme that fits your team and budget.

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Financial Health Reviews

Every employee gets a 1-on-1 meeting with an MMFG adviser. We review their full financial picture — income, expenses, debt, KiwiSaver, insurance gaps — and give them a written action plan.

Core service

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Budgeting & Debt Support

Practical, judgement-free budgeting support. We help staff build a plan that actually works for their life — not a generic spreadsheet. Includes debt prioritisation and cashflow mapping.

Wellbeing tier +

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Investing Education & Advice

From KiwiSaver optimisation to shares, managed funds, and property. We teach staff how investing actually works — and give them personalised advice suited to their goals and risk profile.

Wellbeing tier +

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First Home Buyer Pathways

A game-changer benefit for younger staff. We map each person's path to home ownership — KiwiSaver withdrawal, First Home Grant, deposit strategy, mortgage pre-approval — and make it feel achievable.

Premier tier +

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Group Insurance Packages

Access group rates for life, income protection, trauma, and health insurance that staff could never access individually. You choose whether the business pays, staff pay, or a mix — all deductible.

Tax deductible

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Workshops & Lunch & Learns

Group financial education sessions on topics your team cares about — buying a first home, KiwiSaver, investing basics, debt management. We bring the content, you provide the room (and maybe the sandwiches).

Add-on available

How it works

Simple from day one

Discovery call

We meet with you (free, no obligation). We understand your team size, mix, and what you're hoping to achieve for your people.

Programme design

We recommend a package or build a bespoke programme. You choose what's covered, who pays, and the timing. Simple sign-off.

Staff onboarding

Your team gets an invitation and books their own appointments. We handle all scheduling, reminders and follow-ups. Zero admin load on you.

Reporting & renewal

You get an aggregated wellbeing report (privacy-safe — no individual data). Annual renewal with updated needs and any new starters added.

Pricing

Starter — always included

Every employer programme starts here. One per-person cost, no ongoing commitment required. Add-ons available below.

Starter

Financial Health Review

A meaningful benefit without a large outlay. Every staff member gets a professional financial review and leaves with a personalised action plan.

$150

per person

✓ One-time · no ongoing commitment

✓

90-min 1-on-1 financial health review

✓

Written financial snapshot report

✓

KiwiSaver fund check & optimisation

✓

Insurance gap identification

✓

1 follow-up meeting (within 3 months)

✓

Online resource library access

Tax efficiency tip

Group insurance premiums can be claimed as a business expense

When the employer pays for group insurance as part of the employee benefit package, those premiums are a deductible business expense — reducing your net cost significantly. We help you structure this correctly from day one. Available cover includes:

Health / Medical Life Cover Income Protection Trauma / Critical Illness Total Permanent Disability Mortgage Protection

28%

tax deduction for employer-paid group insurance premiums

Add-ons

Build on the Starter

Stack any of these onto the Starter package, or run them as standalone initiatives for your whole team.

Lunch & Learn Sessions

60-minute group workshops on KiwiSaver, investing, buying a first home, or managing debt. We present, your team asks questions, everyone leaves better informed.

From $400 / session

First Home Buyer Programme

A dedicated pathway for staff working toward home ownership — deposit strategy, KiwiSaver withdrawal, First Home Grant eligibility, and mortgage readiness.

$250 / person

New Starter Onboarding

Every new hire gets a financial onboarding pack — KiwiSaver setup, insurance review, budgeting guide, and a 45-minute welcome meeting.

$95 / person

Annual Refresh Reviews

Staff return annually for a 45-min catch-up. We update their plan, check progress, and adjust recommendations as their life changes.

$75 / person / yr

Group Insurance Coordination

We source, structure, and manage group health, life, and income protection cover for your team — often at rates individuals can't access on their own.

Talk to us

Redundancy & Restructure Support

When you're making tough changes, give affected staff access to urgent financial planning — income gap planning, KiwiSaver decisions, and next steps.

Talk to us

Why employers choose this

The business case is clear

Retention that money can't buy

Financial stress is a top reason NZ employees consider leaving. An employer who invests in their team's financial wellbeing creates loyalty that a salary bump never could.

Reduces turnover

A recruitment differentiator

Most NZ employers offer a salary and maybe some KiwiSaver contributions. "We provide professional financial advice for every team member" is a genuinely rare offer — use it.

Talent attraction

Group rates nobody else can get

Insurance purchased as a group is substantially cheaper than individual cover. Your team gets better coverage — sometimes at a fraction of the price — through MMFG's insurer relationships.

More value per dollar

Tax-smart benefit design

Employer-paid group insurance premiums are deductible business expenses. We help you structure the programme so you're maximising the tax efficiency of every dollar you invest.

Deductible expense

Zero admin on your team

We manage all scheduling, follow-up, and communications with your staff. You get a single invoice and an aggregated report. Your HR team doesn't need to do anything beyond the initial sign-off.

Hands-off for you

Productivity you can feel

Financially stressed employees lose an average of 3+ hours per week to money worries. Better financial health means better focus, lower absenteeism, and a team that shows up fully.

Real ROI

Common questions

Employer FAQs

How does the pricing work — do we pay upfront?

Foundation is a one-time per-head payment billed when the programme kicks off. Wellbeing and Premier are annual programmes invoiced quarterly — so the cost is spread across the year. Enterprise is custom and we'll structure billing to suit your cash flow. Minimum team size is 5 people for any programme.

Can staff opt out? What if not everyone wants to participate?

Absolutely — participation is always voluntary for employees. You pay only for the seats you want to offer, and staff choose whether to book in. In our experience, uptake is very high once employees understand what's on offer — typically 70–90% engagement in the first 12 months.

Is the advice confidential? Do we see what staff are told?

Yes, completely confidential. Individual meetings, advice, and financial details are strictly between the employee and their MMFG adviser — like any professional advice relationship. What you receive as an employer is an aggregated, anonymised wellbeing report (Premier and above) — showing trends and engagement, never individual data.

How does group insurance work — who pays the premiums?

That's entirely up to you, and we can help you design the right structure. Options include: (a) Employer pays — deductible as a business expense; (b) Staff pay from their salary — they get group rates they couldn't access individually; (c) Split — employer subsidises a portion and staff cover the rest. All three are common and we'll help you model the cost/benefit of each.

What types of insurance can be included in a group package?

We can coordinate group rates for: Health / medical insurance, Life cover, Income protection, Trauma / critical illness, Total permanent disability (TPD), and Mortgage protection. Not every insurer covers every product as a group, so we'll find the right match for your team size and demographics.

We're a small business — is this suitable for teams under 10?

Yes. Our minimum is 5 people, so smaller teams are very welcome. The Foundation package in particular is popular with SMEs — a meaningful, affordable benefit that doesn't require an ongoing commitment. We also work with business owners who want to include their own financial review as part of the programme.

How long does it take to get a programme running?

From discovery call to your first staff appointments, the typical timeline is 2–3 weeks. We handle everything: programme setup, staff communication templates, booking links, and scheduling. Your involvement is a single sign-off conversation and one invoice — that's it.

Can we include our own financial planning as a business owner?

Absolutely, and we recommend it. Many of our employer clients also engage MMFG for personal advice alongside their team programme. You can often access the same group rates for your own insurance, and we'll make sure your business and personal financial strategies are aligned. We can discuss this as part of your discovery call.