Independent Retirement & Investment Planning
At Compound Wealth, we provide independent retirement and investment planning for clients who value structured advice and a long-term approach to building and protecting their wealth.
Based in Mount Maunganui, Bay of Plenty, we work with clients across New Zealand to design integrated strategies that align investments, KiwiSaver, and long-term cash-flow planning with the decisions that matter most over the next 10–30 years.
Our advice is planning-led, not product-led. Whether you are approaching retirement, restructuring investments, or managing a significant pool of capital, we focus on clarity, portfolio structure, and disciplined decision-making over time. Where appropriate, this includes high-end KiwiSaver strategies and access to open-architecture investment solutions offering greater flexibility, diversification, and control.
If you are seeking an ongoing adviser relationship and a more intentional approach to retirement and wealth planning, we invite you to book an initial conversation.
Now advising on over $130m for clients nationwide
Our services
Kiwisaver only
Standalone Professional Guidance – Optimised for Your Future
Ideal for Individuals ready to exit an underperforming KiwiSaver fund and transition to a more suitable, high-performing option—seeking expert, personalised direction without committing to broader ongoing financial planning.
What’s included:
In-depth KiwiSaver review, including performance analysis, fees, and provider benchmarking
Personalised risk profile assessment
Tailored fund recommendation aligned to your goals, time horizon, and circumstances
Seamless end-to-end switch execution and coordination with the provider
Comprehensive confirmation report and follow-up call for complete peace of mind
Investment
No upfront or direct client fee – our remuneration is aligned through the KiwiSaver provider structure (typically an ongoing trail fee of up to 0.75% p.a. on your KiwiSaver balance, depending on the selected solution and fund; this is disclosed in your complimentary recommendation to you.
Transparent, conflict-free guidance focused on delivering superior long-term outcomes for your KiwiSaver savings.
Core Investment foundation
KiwiSaver + Personal Investments – Structured for Growth
Ideal for Individuals and families with income and savings who want their entire investment portfolio optimised and working efficiently—without full life-goal planning at this stage.
What’s included
Complete KiwiSaver optimisation and fund alignment
Strategic non-KiwiSaver investment framework (managed funds, platforms, or direct investments)
Unified risk profile across all holdings
Custom portfolio design and implementation
Detailed initial documentation and clear investment rationale
Annual review, performance monitoring, and rebalancing guidance
Investment
$4,500 incl. GST setup and initial strategy
Ongoing advice fee: Up to 1.15% p.a. incl. GST on advised assets (depending on portfolio composition and complexity), reducing progressively with larger balances toward 0.25% p.a.
Minimum annual fee: $3,600 incl. GST
Private Wealth Stewardship
Bespoke Management for Complexity and Legacy
Ideal for High-achieving individuals, asset-rich families, and those with sophisticated needs—including cross-border considerations, entity structures, or multi-generational planning—who seek to make lifestyle, purpose, and legacy goals the true focus of their wealth strategy.
What’s included
Everything in Tier 2
Custom multi-portfolio architecture and management
Specialist UK & Australian pension strategies, including transfers and QROPS/QSuper coordination
Family office-style entity and intergenerational coordination
Advanced retirement income planning, including sustainable drawdown and decumulation strategies to optimise spending, manage longevity risk, and enjoy your retirement fully—while ensuring your wealth supports the life and legacy you truly value
Regular proactive reviews (typically quarterly or bi-annually, plus ad-hoc as life, markets, or legislation changes), forward-looking advice, and continuous oversight
Priority access, dedicated support, and deeper ongoing relationship
Investment
$28,000 incl. GST for onboarding, architecture, and initial setup
Ongoing stewardship fee: Up to 1.15% p.a. incl. GST on advised assets (depending on portfolio composition and complexity), reducing progressively with larger balances toward 0.25% p.a.
Minimum annual fee: $12,000 incl. GST
Strategic Wealth BluePrint
Integrated Planning + Comprehensive Investment Strategy
Ideal for Professionals, business owners, and couples who want clarity, structure, and long-term visibility—putting lifestyle goals and what matters most at the centre of their financial decisions.
What’s included
Everything in Tier 1
Full holistic financial planning and scenario modelling
Detailed cash-flow forecasting and goal prioritisation
Retirement projections with multiple scenario testing
Coordinated investment strategy across all assets
Comprehensive written strategic plan focused on aligning your money with your values and desired lifestyle
Sustainable retirement income and drawdown strategies to help you spend confidently in retirement and make your savings last
Annual formal review, proactive rebalancing, performance monitoring, and ongoing tailored advice as required
Investment
$12,500 incl. GST for strategy development and implementation
Ongoing advice fee: Up to 1.15% p.a. incl. GST on advised assets (depending on portfolio composition and complexity), reducing progressively with larger balances toward 0.25% p.a.
Minimum annual fee: $6,000 incl. GST
Our partners
Independent KiwiSaver, Investment & Retirement Advice
We provide independent KiwiSaver, investment, and retirement planning advice for Kiwis who want clarity, control, and better long-term outcomes.
Unlike banks and provider-owned advisers, our advice is open-architecture and unbiased. We’re not tied to any one KiwiSaver scheme or fund manager, which means we can compare options across the market and make changes when more suitable solutions become available. Every strategy is designed around your goals, risk tolerance, and time horizon.
Whether you’re reviewing your KiwiSaver, investing a lump sum, or planning for retirement, we combine structured financial planning with a best-of-breed investment approach, selecting high-quality managers with a clear role within a diversified portfolio.
Using detailed cashflow modelling and long-term projections, we help you understand where you’re heading, what’s realistic, and how your investments work together over time, then put a clear strategy in place to keep you on track.
Since 2017, we’ve helped hundreds of clients make better investment decisions, select appropriate risk levels, and transition away from unsuitable or underperforming strategies into more appropriate, well-structured portfolios aligned with their long-term retirement goals.
Book an initial consultation to see whether your current KiwiSaver and investment strategy is set up properly for the years ahead.
Over 10 years of Wealth Management Expertise
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