Independent KiwiSaver Advice
At Compound Wealth, we specialise in personalised KiwiSaver strategies, with the freedom to recommend the best solutions across providers. We also design bespoke portfolios built around your convictions, with the flexibility to combine index funds, active global managers, alternative assets such as Bitcoin ETFs, and direct equities.
Our advice is best suited to investors seeking long-term thinking, thoughtful portfolio construction, and an ongoing adviser relationship.
Tailored Provider & Fund Selection
We review over 30 providers and 200+ funds to identify the options that best align with your goals, life stage, and investment values.
Clear Performance Insights
See how your current fund stacks up against our recommended strategies, with transparent performance comparisons across different timeframes.
Personalised Retirement Forecasts
Get a projection of your KiwiSaver balance at retirement, based on your key details, so you can plan with confidence.
FEE & ASSET ALLOCATION COMPARISON
We break down the fees for different funds and how they allocate assets, making it easy for you to understand and feel confident in your decision.
We do our best work with:
Aged 30+
Investors who are looking to maximise their returns for retirement.
Ready for expert guidance
People who value expert help because retirement is too important.
Seeking an ongoing Adviser relationship
People who want a trusted adviser to help guide their KiwiSaver and investments over time
Trusted by 2,500+ Kiwis
Our partners
KiwiSaver, Done Differently
At Compound Wealth, we specialise in personalised KiwiSaver advice and investment planning built around your goals, time horizon, and wider financial picture.
Whether you are early in your career or managing a more established balance, our role is to ensure your KiwiSaver is structured deliberately and working as hard as you do over the long term.
Common Challenges We Help Solve
No clear plan for what your KiwiSaver is actually meant to achieve
Portfolios that are too conservative for long-term growth
Chasing last year’s top-performing fund without a strategy
Missing exposure to funds with stronger long-term return potential
Treating KiwiSaver in isolation rather than as part of your broader wealth plan
Inconsistent contributions that slow long-term progress
Our Difference
Independent, specialist advice
With over 10 years of KiwiSaver expertise, Compound Wealth is independently owned by Adam Stewart. This gives us the freedom to recommend the solutions we believe are genuinely in your best interests, without alignment to any single provider.
Personalised portfolio construction
We go beyond default fund options, designing strategies that align with your risk profile, convictions, and long-term objectives.
Clear, transparent fees
You receive upfront clarity on costs, with ongoing guidance, reviews, and accountability as your situation evolves.
Next Steps
Take our KiwiSaver quiz or book a free initial consultation to see whether a more considered approach to KiwiSaver could make a meaningful difference for you.
The Process
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Our first step is to understand where you are at now, so we can look ahead to where you are going. Complete our quick KiwiSaver Discovery Quiz
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Adam will contact you to discuss your requirements and then provide you with a presonalised recommendation.
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Like our recommendation? Great. Let’s push forward and maximise your KiwiSaver potential.
FAQ
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We provide independent KiwiSaver advice and have the expertise to help clients navigate the entire KiwiSaver market. Our ability to advise on any KiwiSaver solution means we can tailor recommendations to align with your financial goals, risk tolerance, and investment preferences.
For clients seeking greater diversification and control, we can also structure portfolios using multiple investment managers or direct securities via KiwiWRAP, an open-architecture KiwiSaver platform that provides access to a wide range of investment options.
We have established agreements with the following KiwiSaver schemes, which compensate us for providing financial advice:
Milford KiwiSaver Plan
Generate KiwiSaver Scheme
Booster KiwiSaver Scheme
ANZ KiwiSaver Scheme
Pathfinder KiwiSaver Scheme
AMP KiwiSaver Scheme
KiwiWRAP KiwiSaver Scheme
Kernel KiwiSaver Scheme
Koura KiwiSaver Scheme
GoalsGetter KiwiSaver Scheme
We do not charge an upfront fee for KiwiSaver advice—this service is complimentary and comes with no obligation. If you decide to implement our KiwiSaver advice, we are remunerated by the KiwiSaver provider through an ongoing percentage-based fee. This is fully disclosed in the written advice. You therefore receive a no-obligation KiwiSaver comparison at no cost, with a fee only applying if you proceed with the recommended solution.
Regardless of the provider, our advice is always in your best interest, and all fees will be fully disclosed upfront, no surprises.
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At Compound Wealth, we stand out from other financial advisers in three significant ways:
We are a leading KiwiSaver advisory firm with a specialisation in long-term wealth creation. With over 10 years of experience in the KiwiSaver and financial services industry, Adam Stewart, our Director & Financial Adviser, brings extensive expertise. Since the inception of Compound Wealth 7 years ago, we have helped over 2500 New Zealanders make smarter KiwiSaver decisions, advising on over $100 million of KiwiSaver funds.
Our approach involves collaborating with multiple KiwiSaver providers to identify the funds that best aligns with your unique financial goals and circumstances. We follow a robust investment selection process so that you have trust and confidence in your chosen investment.
We prioritise impartial advice and continuously evaluate the KiwiSaver providers we work with. By maintaining an unbiased stance, we ensure that the recommendations we provide to our clients are objective and aligned with their best interests.
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It takes around 10 business days for your existing provider to transfer your funds to your new provider. Your new KiwiSaver provider contacts your existing provider and IRD on your behalf so there is nothing to do from your end.