Wealth services for the not-yet wealthy

No one thinks they're ready to start building wealth. But if you're the average Kiwi home-owning household, chances are we can help you – and you don't even need to cut out your coffees.

Most Kiwis don't get a plan until they're in their 50s

The problem

The earlier you start the better off you will become.

We’ve already transformed the lives of thousands of Kiwis

See how this works for an average client, including costs, forecast returns, and how a plan is carried out.

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The Solution

Make your plan today

Every year you wait could cost hundreds of thousands of dollars in later life.
The earlier you start the better off you will become.

How much will you need?

Plug your numbers into the calculator to get the sum you’ll need when you want to step back from work.

Stop working at

Income you want

$

You need

$

How much will you need?

Plug your numbers into the calculator to get the sum you’ll need when you want to step back from work.

Stop working at

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Income you want

$

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You need

$

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Seem like a lot? We can help

Get your free 30-minute financial health check today

We’ve helped our clients grow an average of $2 million extra for the third stage of their lives (after costs) - the only trick is to get started.

Our goal

“We want to be the third best thing that ever happens to you – after kids and family”

“I saw the difference we were making in the lives of doctors and saw we could do the same for all hardworking Kiwis. If we get started early, we can use the power of time to safely and slowly build your future choices." Richard Clark CEO

We use the power of time and a unique all-of-life approach

We improve your financial life without asking
you to stop enjoying your day-to-day life.

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how we do it

Eight businesses in one,
all working for you

There’s no one else who coordinates every part of your financial life to get you the best result.

Financial Planning

Because a goal without a plan is just a wish.

Having dreams in life is great, but without a map to guide you it’s easy to get lost. You may think you have a plan, some advice here, some advice there, but is your plan all working off the same playbook? Does your mortgage adviser talk to your accountant? Do you discuss investment strategies with your insurance adviser? The truth is, if that isn’t happening your plan isn’t truly built around you, and you’re missing out.

Luckily, our business is designed to solve this for you. We’ve pulled together a team of experts in every field who will work together to develop a financial plan just for you. A plan that helps you achieve those dreams, but also ensures you can still live the life you want now.

Mortgages & loans

Because it's time to open a new door.

Getting onto the property ladder, stepping up a rung or buying the whole ladder, our mortgage brokers will find you the best mortgage deal to finance your plan and get you where you want to be.

Personal Insurance

Before you go skydiving, protect what's important.

Kiwis love life. And we all want to look after what we have - our family, our finances and our possessions. But what insurance do you actually need and how much?

If you’ve been thinking about updating your insurance, had a change in circumstance (e.g. new house, had a baby, started a business), or if your insurance is simply weighing you down, let us help you get cover that gives you security without breaking the bank.

General Insurance

Because you worked hard for what you own.

You’ve worked hard for what you own. And it’s worth protecting. That’s where a smart insurance plan can really help.

Our advisers know how different policies can play nicely together, so that you're covered and your costs are kept down.

Investments

Be sure you're providing for today and tomorrow.

Having a solid investment plan in place is a great way to build for the future, but what investments should you choose, how do they work and should you focus on one or a number?

All too often we see people focussing all their efforts in one area, while missing opportunities elsewhere. That's why developing an investment plan is key.

Tax & Accounting

Because you can spend a lot on tax, it pays to get it right.

Incorporating your tax and accounting strategy into your financial plan is key to making sure you aren’t missing opportunities to minimise the amount you pay, and that you're meeting all your legal requirements.

Our process is designed to ensure the advice we give is maximising all your opportunities, without having to explain your situation to a variety of advisers. That’s why we integrate tax planning right from the start of our process.

On an ongoing basis, we make sure that your structures and strategy are tax effective and we make it easy to meet your obligations, and prepare and get your returns filed.

Our in-house accountants work hand-in-hand with our clients to ensure the correct structures and tax strategies are in place from day one.

Structures & Estate Planning

Because family come first.

Life moves fast these days and it’s easy to forget to have the correct structures in place to ensure what you’re building now will be there to enjoy in the future. With estate planning, you can ensure you're leaving a legacy for your loved ones.

doctors

We’ve worked to grow wealth for thousands of doctors

Our sister company Medcapital is the leading provider of wealth services to the health profession in Australasia.

Testimonials

"It costs me less than broadband and is set to provide me choices I never imagined.”

Richard wicks, cLIENT
Sam Hazeldine

Dr Sam Hazeldine

Co-Founder, MedCaptial

“Medcapital has delivered better futures for vital health workers, with referrals now being our biggest growth area.”

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Dr Aitken

General Practitioner

“I got started with my first serious placement, and already have been able to build a nest-egg that helps me feel secure for any future.”

man

Richard Wicks

Consultant

“I have a small child and a big mortgage, so didn’t think there was much that could be done for me. But become has helped us save more on the mortgage than the savings will cost us for three years.”

Change your life today

If you’re ready to get on the road to wherever you want to go, now’s good. Tell us how we can help and we’ll be in touch.

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