Private Wealth

You have done the hard work. The debt is cleared, the emergency fund is sorted, and there is surplus cash building up. The question is no longer how to get out of the red it is what to do with the green.

Private Wealth is for people who are already in a strong financial position and want to make sure their money is structured efficiently, invested wisely, and working as hard as they did to earn it. Because building wealth is one thing. Managing it well is another.

Because wealth does not manage itself. And leaving it in the bank is not a strategy.

What we help with

Our licensed financial advisers provide advice tailored to people who are past the basics and want a structured approach to managing and growing what they have built:

• The Bucket Strategy

  Before investing a dollar, we make sure you have a cash buffer in place. Then we split your investments across growth, balanced, and conservative buckets. The idea is simple: your growth bucket compounds over the long term while your conservative bucket gives you access to funds when you need them. You are not forced to sell growth assets at the wrong time just because life happens.

• Time horizon investing

  When you need the money matters more than how old you are. We build your portfolio around your actual timeline, not a generic age formula. Money you need in three years should not sit in the same bucket as money you will not touch for twenty. We map every dollar to a timeframe so your investments line up with your life.

• KiwiSaver optimisation

  Making sure your KiwiSaver is in the right fund, at the right contribution rate, for the right purpose. As independent advisers we can review your current setup and recommend changes that could make a real difference over time.

• Property and debt strategy

  Whether you own a home, are mortgage-free, or are considering a rental, we make sure property fits your overall strategy. Including debt structuring for tax efficiency and pay-down versus invest decisions.

• Asset protection

  When you have wealth, the risk shifts. Insurance is no longer just about income replacement it is about protecting what you have built. We review your cover to make sure it matches your current position.

• Retirement and drawdown planning

  Figuring out how much you will need, building a plan to get there, and stress-testing it before you retire. When the time comes, we help you transition from growing your wealth to drawing it down, with a clear order for which buckets to access first so your growth investments keep working for you as long as possible.

• Regular reviews

  Markets change. Life changes. Your strategy should too. We review your investments regularly so you are never set-and-forget.

How it works

1. Free initial consultation

   A no-obligation chat to understand your situation, your goals, and whether private wealth advice is the right fit for you. Fifteen minutes no pressure.

2. Full fact-find and money plan

   We take a deep dive into your financial position assets, liabilities, income, expenses, insurance, KiwiSaver, existing investments, and goals. Then we build a personalised money plan with a recommended portfolio tailored to your risk tolerance, investment objectives, time horizon, and capacity for loss.

3. Statement of Advice

   You receive a written Statement of Advice with clear, specific recommendations including fees, risks, and the reasoning behind every recommendation. This is your reference document and a legal requirement.

4. Implementation and ongoing support

   We help you put the plan into action and offer ongoing review services to keep your strategy on track as markets and life evolve. No lock-in. If you want to take the recommendations and implement them yourself, that is your call.

Why choose Super Advice NZ?

We are not product-pushers. We are licensed, independent advisers legally required to act in your best interests.

We do not earn commissions from fund managers, so there is no hidden incentive to recommend certain products over others. Our recommendations are based on what is right for you and we can explain every recommendation in plain English.

You will deal with real people who genuinely care about your financial future not a robo-adviser or a call centre reading from a script.