Best Retirement Financial Planner in New Zealand

Written By Paul Souliac

Planning your retirement calls for smart choices in financial guidance. The best retirement financial planner in New Zealand helps you map out savings, investments, and income streams to match your dreams. At Compound Wealth, retirement planning puts your goals first, blending advice on savings and assets for a solid path forward.

Discover the Best Retirement Financial Planner in New Zealand - Compound Wealth

Why You Need a Retirement Financial Planner

A good retirement financial planner brings clarity to your money matters. They look at your whole picture, from current savings to future spending, and craft plans that last. Without this help, you might miss chances to grow your funds or protect against risks. Planners spot ways to make your money work harder, like through smart asset mixes. 

They also guide on things like KiwiSaver, which boosts retirement savings for many Kiwis. In New Zealand, where life expectancy keeps rising, having a planner means you can enjoy more time without money stress. They keep plans up to date as your life changes, like family needs or health shifts.

How to Pick the Right Retirement Financial Planner

Finding the right retirement financial planner starts with checking their fit for your situation. Look for those with strong track records in areas like investment advice and cash flow setup. Ask about their approach to risk assessment, since that shapes how they handle your funds. Make sure they offer unbiased views, not tied to specific products. Talk to them about your goals, like travel or family support, to see if they listen well. In New Zealand, certified advisers follow strict rules, so check their credentials. Some focus on expats with services like UK pension transfer, which can smooth out overseas moves.

Best Retirement Financial Planner in New Zealand

1. Compound Wealth - Best Retirement Financial Planner in New Zealand

For top-notch retirement planning services, Compound Wealth leads the way with a focus on your unique lifestyle and goals. This firm, based in Mount Maunganui, New Zealand, crafts custom plans that blend savings, assets, and income needs for a worry-free future. They stand out by treating KiwiSaver not just as a savings tool but as a smart way to manage spending in retirement. Their process kicks off with a quick quiz to gauge your setup, followed by goal chats and live cash flow modeling in meetings. Whether you're over 50, handling a big lump sum, or seeking expert input, they deliver strategies that turn your hard-earned assets into steady paychecks. Clients love how they cut through confusion on taxes and investments, making retirement feel achievable and fun. With a team dedicated to long-term security, Compound Wealth helps you live the life you've pictured, from leisure days to leaving a legacy. Their open-architecture investments give you flexibility and control, while ongoing reviews keep everything on track. Imagine waking up each day knowing your plan supports your dreams, that's the appeal here.

  • Standout features include live cash flow modeling for real-time insights and a retirement quiz to start things off easily.

  • Key benefits let you align plans with personal aims, like income generation or asset protection, for peace of mind.

  • Facts and information show they serve many Kiwis, with expertise in turning nest eggs into reliable income streams and minimizing tax hits.

About Compound Wealth

Compound Wealth is a leading financial advisory firm based in Mount Maunganui, New Zealand. Founded in 2017 by Adam, we specialise in personalised KiwiSaver advice and investment planning for Kiwis nationwide. 

Our mission: Deliver clarity, confidence, and better outcomes through bespoke strategies tailored to your life. We advise on over $130 million in assets, trusted by over 2,500 clients across the country.

Our Services

Discover expert financial solutions tailored for New Zealanders seeking optimised KiwiSaver advice, retirement planning, and private wealth management. As leading KiwiSaver advisers in Mount Maunganui, we help you maximise savings, transfer pensions, and build secure futures with personalised investment strategies.

KiwiSaver 

Investments

Why Choose Us?

  • Personalised approach: No one-size-fits-all funds.

  • Advanced cash flow modelling for future insights.

  • Access to global diversification and specialist strategies.

  • Over 10 years of expertise in KiwiSaver and investments.

  • Direct support from knowledgeable advisers

  • No call centres – just committed, ongoing guidance.

We use international research and proven methods to grow and protect your wealth effectively.

Ready to Take Control of Your Finances?

Book a free consultation with our experienced KiwiSaver and wealth advisers today.

2. Cambridge Partners

Cambridge Partners, headquartered in Christchurch, New Zealand, offers comprehensive retirement planning integrated with wealth management and financial advice. They assist clients in optimizing KiwiSaver schemes and managing UK pension transfers to ensure a smooth path to comfortable retirements. Their holistic approach thoroughly examines your current financial situation and long-term objectives, employing evidence-based investment strategies supported by extensive research. 

This makes them ideal for busy professionals, business owners, and individuals seeking sustainable investment options that align with personal values and ethical considerations. With decades of experience, their team considers all aspects of your finances, including existing investments, savings accounts, property holdings, and retirement savings, to craft a sustainable, long-term plan that navigates you successfully through retirement and simplifies your overall financial landscape. 

They emphasize understanding each client's unique circumstances and family dynamics, building plans rooted in individual values and retirement aspirations. While their tailored advice is a major strength, providing personalized guidance that builds confidence in complex financial decisions, they may not offer as much emphasis on real-time live cash flow modeling for every single client interaction, potentially requiring more proactive client input in some cases. Their fee-only model ensures unbiased recommendations, focusing solely on client best interests without external influences. Clients benefit from their commitment to holistic financial planning, which helps in achieving financially secure and fulfilling retirements.

  • Key features cover holistic goal setting, ongoing strategy tweaks, sustainable investment picks, KiwiSaver optimization, and UK pension transfers.

  • Facts and information highlight many years of academic-backed solutions, support for various client types like expats and professionals, and a focus on evidence-based investing for long-term security.

3. Craigs Investment Partners

Craigs Investment Partners provides retirement wealth management services across New Zealand, with a nationwide presence that allows broad accessibility. They specialize in creating custom portfolios that adapt to life changes, including handling UK and Australian pension transfers into KiwiSaver for seamless integration. Their approach incorporates sustainable investing and community-focused options, leveraging a global perspective combined with local expertise to deliver well-rounded plans. This is particularly suitable for clients with significant lump sums from property sales or inheritances, offering flexible investment setups that cater to diverse needs. 

With a strong research team, they add substantial value to decision-making processes, ensuring strategies are informed and robust. The firm builds enduring family relationships, fostering trust over generations through consistent support. While their broad scale enables comprehensive services, it might result in slightly less personalized one-on-one time for some clients compared to smaller boutique firms, though this is mitigated by their dedicated teams. Overall, Craigs Investment Partners emphasizes integrity and adaptability, helping clients achieve retirement goals with confidence in volatile markets. Their services extend to value-aligned investments, making them a reliable choice for those seeking balanced, long-term financial security.

  • Key features involve tailored portfolios, pension transfers, value-aligned investments, and community-oriented options.

  • Facts and information note many client relationships spanning generations, a focus on integrity, and global-local expertise for informed retirement planning.

4. Totara Wealth Management

Totara Wealth Management delivers independent investment and financial planning services in New Zealand, without a specified headquarters, emphasizing accessibility nationwide. They provide custom long-term retirement plans, KiwiSaver optimization, and UK pension transfers to facilitate smooth financial transitions. Their personalized approach supports individual lifestyle needs with ongoing assistance, ensuring unbiased views across a wide range of market options. This independence allows them to recommend the best solutions without ties to specific providers, making it appealing for clients who value objectivity in their retirement strategies. 

Totara focuses on giving a full financial overview, empowering better choices for future security. With experience in migrant rules and personalized touches, they help clients navigate complex scenarios effectively. Strengths lie in their commitment to individual journeys, offering tailored investments that align with personal goals and providing broad expertise in overseas fund shifts. However, as an independent firm, they may lack some of the in-depth specialized tools available at larger organizations for highly complex scenarios, though their agile structure compensates with focused attention. Clients appreciate the emphasis on clarity and support, leading to confident retirement preparations.

  • Key features include tailored investments, KiwiSaver assessments, pension transfer expertise, and ongoing personalized support.

  • Facts and information emphasize commitment to individual journeys, broad experience in migrant rules, and unbiased market access for retirement planning.

5. Tailorednz

Tailorednz offers comprehensive wealth management services in New Zealand, with offices in Palmerston North, Taupo, and Matamata for regional accessibility. Their retirement planning integrates financial, protection, and estate services, featuring a Right Track Review for valuable second opinions on existing plans. They prioritize clear thinking and money protection to enable life freedom, appealing to clients nearing significant life shifts like retirement. Tailorednz stresses straightforward communication, helping clients gain confidence through honest discussions about their financial futures. 

With a fresh take on management, they support post-work enjoyment by addressing succession planning and charitable programs alongside core retirement strategies. Strengths include their broad service integration, which provides a one-stop solution for holistic needs, and their emphasis on client empowerment through reviews and planning. However, the wide scope might occasionally spread focus thinner on purely retirement-specific details compared to niche specialists, but this is balanced by their adaptable offerings. Overall, Tailorednz helps clients build robust plans that align with personal aspirations for a fulfilling retirement.

  • Key features encompass reviews, succession planning, charitable programs, and integrated financial services.

  • Facts and information point to a fresh take on management, support for life shifts, and emphasis on clear communication for retirement enjoyment.

6. Pacific Wealth

Pacific Wealth, based in Christchurch, New Zealand, specializes in retirement planning for US citizens, expats, and migrants, addressing cross-border complexities effectively. They handle issues like taxes and fund transfers, providing guides for new arrivals to settle financially. Their team manages international obligations, making it easier for clients with overseas ties to plan retirements. This expertise is ideal for those navigating dual financial systems, reducing stress through informed choices. 

Pacific Wealth offers specialist advice and online resources, ensuring clients can integrate global assets into New Zealand plans seamlessly. Strengths include their focused knowledge on expat needs, FMA licensing, and no-charge initial meetings, which build trust and accessibility. However, their specialization might not cover purely local-only retirement needs as broadly as generalist firms, though they excel in their niche. Clients benefit from the firm's commitment to simplifying complex international finances for a secure retirement.

  • Key features include specialist advice for dual obligations, online resources, and cross-border tax handling.

  • Facts and information show FMA licensing, support for expats, and expertise in migrant financial transitions.

7. MyFuture

MyFuture provides retirement planning from Auckland, New Zealand, serving clients nationwide via video for convenient access. They develop personalized strategies to maintain income and achieve goals, using a structured six-step process that includes regular reviews. Services blend KiwiSaver, investments, and insurance to create comprehensive plans. This helps everyday Kiwis from early career stages through to retirement, with emphasis on goal setting and progress tracking. 

MyFuture's approach builds security by addressing debt management and annual snapshots, ensuring plans evolve with life events. Strengths lie in their accessible video consultations and systematic process, which provide clarity and ongoing support. However, the structured steps might feel somewhat rigid for clients preferring highly flexible or creative planning, though it offers reliability. Overall, MyFuture empowers clients with tools for long-term financial freedom.

  • Key features cover goal setting, debt management, annual snapshots, and integrated KiwiSaver advice.

  • Facts and information highlight long-term support for life events, nationwide service, and focus on personalized strategies.

8. WealthHealth

WealthHealth delivers retirement planning in Tauranga, New Zealand, through KiwiSaver optimization and holistic strategies. They select from numerous providers to find optimal funds, crafting action plans tailored for families. As an independent firm with high designations, they set themselves apart by focusing on hardworking Kiwis building wealth. 

WealthHealth's independence ensures unbiased recommendations, with a sharp focus on robust planning that empowers success. Strengths include their global recognition and many years as advisers, providing informed decisions that lead to financial growth. However, their regional base might limit immediate in-person access for non-local clients, though they serve broadly. Clients value the emphasis on family-oriented plans for retirement security.

  • Key features involve fund choices, robust planning, and family-focused strategies.

  • Facts and information note many years as advisers with global recognition and commitment to independence.

9. NZBritannia

NZBritannia offers retirement advice in New Zealand, specializing in UK pension transfers alongside insurance and KiwiSaver integration. Their readiness calculator helps assess financial positions, while they build portfolios using various products for customized plans. With extensive experience, they aid numerous clients in achieving retirement on their terms. 

NZBritannia provides estate planning and fund advice, ensuring comprehensive support. Strengths include their work with multiple pension providers and tailored services that deliver peace of mind. However, reliance on in-house options might introduce slight biases in some recommendations, though overall objectivity is maintained. Clients benefit from jargon-free guidance and proven expertise.

  • Key features include calculators, estate planning, fund advice, and pension transfers.

  • Facts and information reveal work with many pension providers and focus on client-centered retirement planning.

10. Windsor Wealth

Windsor Wealth provides holistic advice in New Zealand, without a specified headquarters, targeting families and British expats. They cover retirement investing, UK transfers, and debt reduction with jargon-free guidance to support dreams like richer retirements. Windsor Wealth offers full assessments and proven strategies, fitting well for expats with international needs. Strengths encompass chartered expertise and clear explanations that build trust for family goals. However, the general scope may not delve as deeply into niche areas as specialized firms, but it provides solid foundational support. Clients appreciate the emphasis on achievable retirement aspirations.

  • Key features encompass full assessments, proven strategies, and expat-focused services.

  • Facts and information stress chartered expertise for family goals and international transitions.

11. Bradley Nuttall

Bradley Nuttall offers retirement planning as part of comprehensive financial advice in New Zealand, guiding clients toward financial stability beyond just investments. Based in Christchurch with coverage across regions like Tasman, Marlborough, Nelson, and Canterbury, they provide personalized plans to organize all financial affairs. Advisers support every step, aligning investments with lifestyle aspirations and including long-term monitoring for next generations. 

Strengths include over 20 years of experience, evidence-based independent advice free from incentives, and a focus on trust through plain English communication and regular visits. Their fee-only model ensures objectivity, proven during market challenges. However, the specialized services may suit complex needs better than simple ones, potentially overwhelming basic clients. Overall, Bradley Nuttall emphasizes independence, transparency, and licensed operations for confident retirement decisions.

  • Key features encompass tailored wealth management, pension transfers, investment visas, and high-net-worth advice.

  • Facts and information highlight more than 20 years in markets, qualifications from cycles, and client focus on performance, security, and sudden wealth.

12. Moneyworks NZ Ltd

Moneyworks NZ Ltd provides financial planning and ethical investment advice centered on retirement, helping clients transition to life after work. Headquartered in Cambridge, New Zealand, they offer thoughtful guidance through investment strategies and ongoing reviews. Strengths include understanding goals, creating coherent plans, and adapting to changes, with awards for ethical investing in recent years. Their small team ensures long-term support, particularly for retirement. However, the team's size might limit handling high volumes, though it enhances personalization. Moneyworks targets professionals valuing expert decision-making, focusing on ethical alignments.

  • Key features include planning stages by age, ethical investing, and resources on risk and decisions.

  • Facts and information note licensed status, supervision by authorities, and client base of analytical professionals optimizing savings.

13. G3 Financial Freedom

G3 Financial Freedom delivers independent, holistic financial advice with a focus on retirement planning, based in Tauranga, New Zealand, serving nationwide. They offer personalized, jargon-free guidance on investments, pensions, and KiwiSaver to support lifestyle choices. Strengths encompass experienced advisers providing commission-free plans across life stages, with regular reviews for adaptability. Their holistic approach covers wealth growth, inheritance, and more. However, reliance on client-initiated contact might delay engagements, though quick responses mitigate this. G3 emphasizes long-term wellbeing without sales influence.

  • Key features include pension transfers, investment planning, and ongoing support.

  • Facts and information highlight professional connections, testimonials on efficiency, and tailored solutions for retirement.

14. DecisionMakers

DecisionMakers specializes in retirement planning and investment portfolios in New Zealand, without a specified headquarters. They use combined expertise to craft unique plans, emphasizing independence without commissions. Strengths include world-class risk profiling, collaborative adviser work, and personal investments in recommendations for confidence. As a cooperative, they prioritize client interests with long-term relationships. No explicit weaknesses noted, but focus on processes might suit structured clients best. DecisionMakers empowers financial independence through tailored strategies.

  • Key features include risk profiling, regular reporting, and custom portfolios.

  • Facts and information note team expertise, economic insights, and client testimonials on management.

15. Milford Asset Management

Milford Asset Management provides retirement planning via its KiwiSaver plan in New Zealand, managing substantial funds for many clients. Based in New Zealand, they focus on long-term returns and wealth growth. Strengths include multiple awards for customer satisfaction and value, high satisfaction from partnerships, and an experienced team. Their digital tools aid management. However, emphasis on digital might not suit non-tech-savvy clients, though comprehensive support is available. Milford targets residents with goal-oriented planning.

  • Key features include KiwiSaver investing, digital advice, and wealth management for larger sums.

  • Facts and information highlight over two decades of service, community impact, and performance focus.

Benefits of KiwiSaver in Retirement

KiwiSaver plays a big role in building retirement funds for Kiwis. It offers a way to save steadily. Many use it alongside other investments for better balance. Planners help pick funds that match your timeline and comfort level. Services like Australian super transfers can boost it too. This scheme gives structure to savings, helping you reach goals without extra hassle.

Handling Overseas Pensions for New Zealand Retirees

Moving pensions from abroad to New Zealand needs careful handling. Options like UK pension transfer make it tax-efficient and simple. Planners check rules to avoid pitfalls, integrating them into local plans. This keeps your funds accessible and growing. For those with international backgrounds, it ties everything together neatly. Good advice ensures smooth shifts, supporting your overall retirement setup.

Assessing Risk in Retirement Investments

Knowing your risk level shapes strong retirement plans. Tools like a risk assessment quiz reveal what suits you best. Planners use this to build portfolios. It balances growth with safety, fitting your stage in life. Many find this step eases worries about market ups and downs. Private wealth services often include it for deeper insights.

FAQ

What makes a good retirement financial planner?

A good retirement financial planner focuses on your specific aims and designs strategies that fit your life stage. They include aspects like savings growth and income flow, often using models to show potential outcomes. In New Zealand, these advisers adhere to standards set by bodies such as the FMA, which helps maintain trust in the process.

How does KiwiSaver support retirement planning?

KiwiSaver aids in accumulating funds through consistent inputs and various fund options that suit different timelines. It serves as a foundation in overall strategies, allowing integration with other assets for balanced income. Advice on KiwiSaver ensures it complements personal circumstances effectively.

When is the best time to start retirement planning?

Beginning retirement planning early allows time for funds to build through steady growth. Even if starting later, quick changes like asset shifts can strengthen your position. Focusing on current habits sets a strong base for future security.

What role does risk assessment play in retirement?

Risk assessment matches investments to your tolerance and phase in life, helping protect against major setbacks. It guides portfolio setup to balance potential gains with stability. Tools like a risk assessment quiz provide insights for informed adjustments.

How can overseas pensions be integrated into New Zealand retirement plans?

Overseas pensions can blend into local setups through transfers that consider tax implications and accessibility. Services handling UK pension transfer or similar moves ensure seamless incorporation. This approach unifies assets for a cohesive strategy.

Read Also:

Discover the Best Retirement Financial Planner in New Zealand - Compound Wealth

Paul Souliac
Previous

Best Retirement Planners in NZ in 2026
Next

Best Investment Options for Retirement Planning in 2026