INVESTMENTS

Financial Planning in New Zealand

A personalised plan to grow your wealth, protect what you've built, and set yourself up for the retirement you want.

Joseph Darby listening, financial planning

Why Get a Financial Plan?

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Clarity on retirement

Know exactly how much you need on top of NZ Super, when you can realistically stop working, and what your income looks like year by year. No more guessing about the biggest financial decision of your life.

Smarter investing

A plan spells out where your spare money goes and why, tied to your goals and your tolerance for risk. A diversified portfolio built for you.

Confidence after a windfall

Inheritance, sale of a business, redundancy payout. Knowing what to do with a lump sum before the pressure of indecision costs you is one of the most common reasons people seek advice.

Property in context

If property is part of your plan, it should sit alongside your other investments, not compete with them. Cashflow analysis, leveraging, and understanding your true return are all part of getting this right.

One plan, not ten pieces

Your mortgage, investments, KiwiSaver, and protection should all work off the same playbook. We coordinate across every area so nothing falls through the gaps.

KiwiSaver working harder

For most New Zealanders, KiwiSaver is their largest investment outside the family home. The right fund, the right contribution level, and a clear picture of your options at 65 can make a material difference to your net worth.

Foundation of trust

You join thousands of New Zealanders who have taken greater control of their financial future. Our team advises over $1 billion in client investments, and we're trusted by major government departments and leading companies nationwide.

Designed for you

You receive a roadmap built for your goals. No bank or investment provider owns us, so your plan is backed by a model designed to reduce the product-linked incentives common in some advice firms.

Boutique advice on a national scale

You get direct access to a nationwide team of professionals. Unlike the large institutions, your adviser knows your name and your situation. Unlike a sole practitioner, we have the depth and breadth of expertise to cover every aspect of your finances. Connect via video call or at our Auckland and Christchurch hubs.

Your total financial picture

Whether you have complex investment portfolios or are just getting started, your finances should tell one coherent story. We make sure the left hand always knows what the right is doing.

What Does a Financial Plan Actually Cover?

You've worked hard to get where you are. Maybe you've built up some savings, paid down the mortgage, or started thinking seriously about what the next ten or twenty years look like. A financial plan takes all of it and turns it into something concrete: a clear set of priorities, a realistic timeline, and a path you can actually follow.

Most people assume financial planning is about picking investments. It's a piece of the puzzle, but not the whole picture. A proper financial plan starts with your goals, your current financial position, and your tolerance for risk. From there, it maps out a clear path covering how to allocate your money, what to prioritise, and when to adjust course.

For most New Zealanders we work with, a financial plan typically addresses:

How to invest and where. Whether you're considering a diverse investment portfolio, direct shares, KiwiSaver, or a mix, your plan should spell out what you're investing in and why, with clear reasoning tied to your circumstances. Not someone else's circumstances. Yours.

Retirement readiness. How much do you actually need on top of NZ Super? When can you realistically stop working? What does the drawdown look like year by year? These aren't questions you should be guessing at. A good plan answers them with numbers.

Growing wealth over time. Building real, lasting wealth isn't about chasing returns. It's about consistent decisions, appropriate risk, keeping costs low, and managing tax efficiently. Your plan should include a framework for how your wealth compounds over the years ahead, not just a snapshot of today.

Making the most of KiwiSaver. Whether you're decades from retirement or approaching it, making sure you're in the right fund, contributing at the right level, and understanding your options at 65 matters more than most people realise.

Property investment. If property is part of your plan, it needs to sit alongside your other investments, not compete with them. Cashflow analysis, leveraging, and understanding the true return on a rental property are all part of getting this right.

Why New Zealanders Choose Become Wealth

We see the full picture. Most financial advice firms specialise in one area. We cover investments, KiwiSaver, mortgages, insurance, and property under one roof. Your adviser coordinates across all of these so nothing falls through the gaps. It's one of the reasons we now advise on over $1 billion in client investments.

No bank or investment provider owns us. You might be surprised how common that ownership structure is in our industry. It can create incentives to prioritise in-house solutions. Because we're free from any sort of institutional ownership or control, your recommendations are drawn from a broad range of providers and are based on independent third-party research.

Our investment approach is built for the long term. We construct diversified portfolios selected on the basis of independent third-party research. We focus on keeping costs low, managing tax efficiently, and maintaining the right level of risk for your situation. We don't chase trends or try to time markets.

We hold a DIMS licence. We're one of just 48 firms in New Zealand licensed by the Financial Markets Authority (FMA) to provide a Discretionary Investment Management Service (DIMS). In practice, this means we can manage and rebalance your investment portfolio on your behalf, making timely adjustments without needing your sign-off on every individual change. It's a higher standard of regulatory oversight, and it means your portfolio is actively looked after.

To keep your trust, we're upfront about how we're paid. Depending on your needs, advice may involve a fixed planning fee, or for some, an ongoing percentage-based fee for investment management. You'll agree before any fees are charged. For full details on fees, our regulatory status, and how we manage conflicts of interest, see our Important Information Disclosure.

It starts with a conversation, not a commitment. Your first meeting with us is complimentary and obligation-free. It's a chance to talk through your situation, ask questions, and see whether we're the right fit before anything else happens.

Ready to talk?

Book a complimentary, obligation-free consultation with one of our advisers. Call 0508 232 663 or send us your details below.

Get in touch

How Financial Planning Works at Become Wealth

‍Free initial consultation. We start with a 30-minute conversation to understand your situation, your goals, and what matters to you. No cost, no obligation, no pressure. If we're the right fit, we'll explain what comes next and what it involves.‍
Your plan is built. Your adviser analyses your full financial position and develops a written financial plan tailored to your goals. This might focus on one area (say, retirement planning) or cover multiple areas depending on your needs. We'll walk you through the plan, explain the reasoning behind each recommendation, and make sure you're comfortable before anything is implemented.‍
Implementation. Once you've approved the plan, we put it into action. If it involves investment portfolios, we handle the setup. If it involves KiwiSaver switches or other products, we coordinate them. You don't need to chase paperwork.‍
Ongoing review. Your financial position changes over time, and your plan should change with it. We check in regularly to make sure everything is tracking, and we adjust when circumstances shift. You're not left on your own after the plan is delivered.

What Now?

We'd welcome the chance to talk through your situation. Book a complimentary, obligation-free consultation. Just call 0508 232 663 or send us your details below. We'll reply within one business day.

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