Empowering Kiwis to Secure Their Future, One Ethical Choice at a Time.

Financial Solutionz offers you comprehensive KiwiSaver advice based on your stage in life and risk profile. Ensuring you get into the right fund can mean the difference between hundreds of thousands of dollars come retirement. Trust us, your future self with thank us.

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We Partner with High-Performing Socially Conscious and Ethical KiwiSaver Providers, so you can rest assured knowing your investment works hard for good in the world.

Expert KiwiSaver Advice We Offer:

  • Choosing the Right KiwiSaver Fund:

    Embarking on your KiwiSaver journey? We get it – choosing the right fund can be like navigating a jungle. Fear not, we're your KiwiSaver guides, helping you decode the complexities. Let's chat about your goals, risk appetite, and find that sweet spot to make your KiwiSaver contributions work their magic for your future.

  • Performance Comparison Between KiwiSaver Providers:

    Curious about how your KiwiSaver provider stacks up against the competition? Let's cut through the jargon and dive into the numbers. We're here to give you the lowdown on performance, so you can make informed decisions about where your money is going and ensure your KiwiSaver is working as hard as you are.

  • Ever wondered what your retirement could look like? Let's pull out the crystal ball (figuratively) and project your golden years. From lifestyle choices to financial freedom, we'll help you envision and plan for the retirement you deserve. Spoiler: It's never too early to start, and we're here to guide you every step of the way.

  • Fees and asset allocation – the dynamic duo that can make or break your KiwiSaver experience. Let's demystify the fees, dissect the assets, and create a strategy that suits your financial goals. We believe in transparency, so you'll always know where your money is going and how it's working for you. Let's optimise your KiwiSaver game!

OUR PARTNERS

Optimise your KiwiSaver

KiwiSaver is like a financial Swiss army knife for Kiwis, helping you save for retirement while also offering juicy benefits like employer contributions and government incentives—setting you up for a comfy future without sacrificing your lifestyle today.

Thinking about joining a KiwiSaver Scheme?

Joining a KiwiSaver scheme can give your savings a boost for a couple of key reasons: snagging that dream home and ensuring a comfy retirement down the line.

Your KiwiSaver can be customised to match your financial goals, and it's super simple to tweak things as you go along your savings journey.

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Client Success Stories

  • Keith’s calm approach and knowledge assisted with my Kiwisaver investment. Initially in a default scheme, and a late arrival to a superannuation scheme, Keith talked me through the options. He analysed the schemes and we agreed on joining Booster in a high growth fund. I increased my contributions at a comfortable level and this has certainly paid off.

    Without Keith’s knowledge and support I would not have had the confidence to do this. I placed trust in the process and it is paying off. My retirement is looking positive! Thanks Keith.

    ~ Cathy Bromfield

  • After many years of having my KiwiSaver when Keith approached me to do a review the first time I have done so and I wish I had of done this many years earlier as I was not in the right fund and was not taking advantage of options available to me, Keith provided me with a written recommendation using a few options to consider and compared it to my existing plan. He let me make my mind up so at no time did I feel pressure to accept one solution.

    I'm now very happy with the current provider in the plan that I'm on it sent some huge gains over the years due to the structure of the funds that I have chosen and really appreciate the ongoing support from Keith and his team and will not hesitate to recommend him again in the future.

    ~ Rick Mainey

  • Many thanks for the emailed detail and information, yet another example of the great service from Keith and his office. I will have no hesitation in recommending Keith to friends and family. Many Thanks.

    ~ M. Hope, Te Atatu

“A great KiwiSaver Plan is an easy way to influence real, positive change for your financial future”

A Guide for KiwiSaver

Simply fill in your details and get access to our guide that will help explain the process and terminology. Goodbye overwhelm, hello clarity!

FAQs

  • Wealth advisers like an accountant, lawyer or builder spend every day solving the problems you face. As part of this experience they can see any potential future issues, helping your be prepared for the worst. They can look at your situation and know if you have the right tools to achieve your goals.

  • Absolutely

  • Joining a KiwiSaver scheme can give your savings a boost for a couple of key reasons: snagging that dream home and ensuring a comfy retirement down the line.

    Your KiwiSaver can be customized to match your financial goals, and it's super simple to tweak things as you go along your savings journey.

  • Well, KiwiSaver is all about the long game – it's designed to help you sock away funds for retirement. That's why there are some hoops to jump through before you can cash out. You can typically access your KiwiSaver funds when you're:

    Buying or building your first home.

    Hitting the big 6-5. And even then, you can keep on truckin' with your KiwiSaver throughout retirement.

    But hey, life throws curveballs, right? You might be able to tap into your KiwiSaver early if you're facing some serious financial hardship, moving overseas, dealing with health issues, or other hiccups like bankruptcy.

    Just remember, there are government-set criteria you gotta meet for these withdrawals. Check out the Inland Revenue website for the lowdown on making early withdrawals from your KiwiSaver.

  • Nope, not quite. Think of KiwiSaver as more of a long-term investment gig. Unlike your run-of-the-mill savings account, you can't just dip in whenever you fancy. Your KiwiSaver moolah is mostly off-limits until you're ready to buy that first home or hit the big 6-5.

    Plus, unlike a savings account, your KiwiSaver balance can rollercoaster with the whims of the investment markets. So, buckle up for the ride!

  • At Financial Solutionz, we've got five different KiwiSaver schemes to pick from. Whether you're just starting out or kicking back in retirement, there's an option for everyone. It all boils down to how much risk you're cool with and when you plan to dip into your cash.

  • Contributions are like little love notes to your KiwiSaver account. They get invested in the big bad world of markets, working their magic to grow your nest egg over time.

    You, your boss, and even the government can all pitch in to your KiwiSaver account. If you're on the payroll, you can opt to funnel in 3%, 4%, 6%, 8%, or 10% of your pre-tax earnings. And if you're freelancing or taking a break from the grind, you can still chip in.

    Flexibility is the name of the game here – so if life throws you a curveball, you can always adjust your contributions accordingly.

  • If you're clocking in at 3%, kudos! You're off to a great start. Your employer will match that with another 3%. But here's a fun fact: Bumping it up to 4% could beef up your KiwiSaver savings big time by the time you're kicking back at 65. Check out our KiwiSaver Calculator to see how.

  • Because those contributions are like little seeds you're planting for your future. And trust us, they can blossom into something pretty sweet when retirement rolls around.

  • • Crunch the numbers with the Sorted KiwiSaver Calculator.

    • Take a peek at your finances and goals to see if you can up the ante.

    • Consider tossing in a lump sum if you come into some extra cash.

    • And hey, chat with one of our experts for some personalized advice.

  • If you've been on the KiwiSaver train for at least a year and been making regular contributions, you can pump the brakes with a savings suspension. It's a bit like hitting pause on your contributions for 3 to 12 months. Your employer will likely follow suit and hold off on their contributions too.

    And if life's giving you lemons in the form of financial hardship, you might be able to swing a savings suspension even if you haven't hit that one-year mark. Plus, you could dip into your savings if you're really feeling the squeeze.

  • You betcha! Once you hit the big 6-5, you've got options. You can scoop up your savings as a lump sum or opt for regular withdrawals – whatever floats your retirement boat.

    And here's the scoop for those who joined KiwiSaver pre-July 2019: No need to wait five years once you hit 65. You can choose to bail out and nab your cash or ride the KiwiSaver wave a little longer.

  • Absolutely! KiwiSaver's got your back. You can keep on contributing, cash out the whole shebang, or dip in whenever you need a little extra dough.

    Just keep in mind, if you're still on the grind, your employer and government contributions will call it quits once you hit 65.

    Bottom line? Talk to one of our savvy advisers to make sure you're making the most of your KiwiSaver journey. They'll help you steer your ship in the right direction.

  • Your Prescribed Investor Rate (PIR) is the magic number that determines your tax rate on your KiwiSaver investments. Make sure to give it a check-up each year to avoid any tax woes down the line.

    Not sure what your PIR should be? Inland Revenue's got your back with an online questionnaire to help you figure it out.

    Ready to make the most of your KiwiSaver? Let's chat!