Bespoke KiwiSaver Advice

At Compound Wealth, we specialise in personalised KiwiSaver strategies for investors with $100k+ balances, 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, and direct equities.

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.

$100,000+

For diligent investors with more than $100,000 in their KiwiSaver account who are looking to unlock their retirement potential.

Trusted by 2,500+ Kiwis

Our partners

  • Pathfinder
  • milford

KiwiSaver & Retirement Planning Scenario

KiwiSaver, Done Differently

Most KiwiSaver providers offer cookie-cutter funds. At Compound Wealth, we specialise in bespoke KiwiSaver advice and investment planning designed around your goals, not the averages. Whether you’re just starting out or managing a larger balance, our role is to make sure your KiwiSaver is working as hard as you do.

Common Challenges We Solve

  • No clear plan for retirement outcomes

  • Funds that are too conservative for long-term growth

  • Chasing last year’s top performer

  • Missing opportunities to invest in funds with higher expected long-term returns

  • Treating KiwiSaver in isolation rather than as part of your bigger financial picture

  • Irregular contributions that slow growth

Our Difference

  • Independent advice with over 10 years’ KiwiSaver expertise. Compound Wealth is independently owned by Adam Stewart, giving us the freedom to recommend any solution we believe is best for you. We are not aligned to any specific provider.

  • Access to our Compound model portfolios for balances over $100k

  • Access to our Global Growth + Bitcoin Tilt solution for balances over $100k

  • Access to our bespoke KiwiSaver offering for balances over $300k — a personalised portfolio built around your convictions, with the flexibility to combine index funds, active global managers, alternative assets like Bitcoin, and direct equities

  • Transparent fees with ongoing guidance and reviews

Next Steps

Take our KiwiSaver quiz or book a free consultation to see what’s possible for you.

The Process

  • 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

  • Either Bruce or Adam will contact you to discuss your requirements and then provide you with a presonalised recommendation.

  • Like our recommendation? Great. Let’s push forward and maximise your KiwiSaver potential.

FAQ

  • 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.

  • 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.

  • 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.

Our Guides