KiwiSaver is a voluntary retirement savings scheme set up by the New Zealand Government. You and your employer contribute a percentage of your income, and the government may also contribute. Your savings are invested with a provider and grow over time to support your retirement or to help you buy your first home.

Yes, if you're eligible, you can use most of your KiwiSaver balance (excluding $1,000) as a deposit for your first home. We can help you understand your options and how to access your funds.

Your fund type (e.g. conservative, balanced, growth) should match your goals, timeframes and appetite for risk. Many Kiwis are in a fund that doesn’t suit their needs. We provide personalised, independent advice to help ensure your money is working harder for you.

Yes, fees can make a big difference over time. Some KiwiSaver funds charge high fees for similar performance to lower-cost alternatives. We help you compare providers and understand what you're paying for.

Performance varies depending on fund type and provider. Rather than chasing returns, it's about aligning your fund with your goals. We’ll review your current performance and recommend options to optimise your long-term outcomes.

Absolutely. While you're not required to contribute, you can still make voluntary payments and receive the government contribution. We can help set up a plan that fits your situation.

Yes! Switching is free and easy, and it won’t impact your KiwiSaver balance. If you’re unsure about your current provider or fund, we can guide you through the options and handle the switch for you.

We offer independent, local advice, not tied to any one provider. That means we recommend what’s best for you, not for us. Whether you're just starting out or want to get your KiwiSaver sorted for retirement, we’ll help you make confident, informed decisions.