Holistic Advice

The best people to get advice from, are those with a horse in their race, but no skin in your game.

In other words, you could get advice from your partner, a mortgage adviser, or a real estate agent, but they all kind of have something to gain based on your actions.

This is where our coaching programs come in. While we’re not able to provide regulated financial advice in relation to acquiring or disposing of a mortgage, Darcy’s background spanning over 2 decades in the property space provides a great backdrop for a well-informed planning session. o

When assistance is required throughout the process of implementing a mortgage, we can leverage our exclusive referral partnership with Meta Financial Financial Solutions (at no cost).

KiwiSaver

50.1% of Kiwi’s who receive financial advice feel reasonably prepared for retirement. This drops to 26.4% for those who don’t receive advice.

The KiwiSaver industry in New Zealand is dominated by banks, low-cost providers pushing their ‘ethical’ funds, and commission-only ‘cross-sellers’ who think of this as just another product.

If you have a balance greater than $100k, you can do better by using the services of an adviser like us.

Introducing our fee-only KiwiSaver service that offers greater control of your KiwiSaver. Want to invest in something specific, which accounts for your entire financial world, aligned with your ethics? Just ask.

Book a time here.

Advice / Coaching Sessions

Our financial actions should belong to predetermined tactics, which form part of a financial strategy. Your strategy is the framework by which you achieve your goals, that are aligned to your purpose.

Our method,  crafted and refined over years of evolution, is perfectly suited to the self-directed, everyday investor who prefers overarching guidance over granular specifics.

When you engage us for a ‘coaching session’, you’re dealing with someone whose sole investment in the process is delivering sound advice tailored to your needs. You will not be sold to. During our sessions (which can either challenge your current trajectory, or create a new one), the focus is on your future aspirations, and the practical steps to help you get there.

We’re able to explore topics like property, mortgages, insurances, KiwiSaver, investments, and even provide strategic input to supplement work of your other advisers. We’ve been providing advice and guidance around alternative, and emerging digital assets like Bitcoin since 2017.

This is your opportunity to gain fresh insights into your financial affairs, free from any obligation to implement a given solution. After all, we’re here to broaden your horizons, not limit your choices.

Learn more about the 2hr Sounding Board Session.

Learn more about the 2 x 2hr Future Ready Sessions.

Not sure which one is best? Don’t worry – let’s have a quick chat first.

Fees

Effective from 01/10/2025.

We define financial advice as: Spoken and specific financial guidance, that takes into account where you’re at now, and where you want to go. We take an agnostic approach to the tools (investment options) to be used, because the focus on your objectives (what you’re trying to build).

We offer fee-based sessions, compliant with all relevant and appropriate financial advice regulation in New Zealand. We do not provide recommendations to acquire or dispose of mortgages and insurance products.

Fees for our set ‘coaching sessions’ include GST, if any, and will be based on the typical amount of time required to prepare, meet, and document advice.

After a coaching session you will receive a simple report of your overall position, depending on the option, a ‘statement of advice’ detailing your next steps.

More details will be provided upon engagement. Fees will be non-refundable at time of booking.

Our unique fee model:

• Minimises the real or perceived risks of commission-biased financial advice.
• Allows for the delivery of non-siloed advice (property, shares, crypto, business, etc).
• Enables access to financial advice regardless of the need for a financial product.
• Offers an avenue to ‘supplement’ any lacking advice received from other sources.

For tax advice, or highly detailed financial planning, referrals may be recommended in the first instance.