Your employer has funded this. There is nothing to pay, nothing to sign up to, and no one is selling you anything. Just an adviser who actually looks at your situation and tells you the truth about it.
You can stop after any one of them. Most people do all three because by the second one it is genuinely useful.
A no-pressure introduction so you know who you are talking to before you tell anyone anything about your money.
The real discovery. We go through your whole picture properly — the part almost nobody has ever had done for them.
Your plan, written down, in plain English — yours to keep whether you do anything with it or not.
Completely your call — there is no obligation at any point. If you do want help putting the plan into action, we handle it end to end: the lender, the KiwiSaver provider, the paperwork, the follow-up. You still pay us nothing. We are paid by the lender or the provider, and we tell you exactly what that is before you commit to anything.
Nobody starts from zero and nobody starts from the same place. Find the one that sounds like you — that is where your session begins.
Cards, hire purchase, buy now pay later, a personal loan — and never quite enough left at the end of the month.
You want to buy, but the deposit and the numbers feel like a moving target.
You are ready, or nearly. Now it is pre-approval, offers and paperwork.
You have a mortgage. Whether it is set up well is a different question.
There is equity sitting in the house and you are wondering what it could be doing.
It is close enough to matter and you want to know if you are going to be alright.
“Financial advice shouldn't be a luxury. It should be accessible to every working New Zealander — regardless of how much they earn.”
A written report, yours to keep, covering every area we discussed — what is on track, what needs attention, and the specific next steps available to you.
Where a fee could ever apply — a non-bank loan, or a loan repaid early where the lender reclaims its commission — we tell you in writing and agree it with you first.
No preparation, no documents, no obligation. Just a conversation to see whether this is useful to you.
In person in Cambridge, Waikato — or online, anywhere in New Zealand.