Helping New Zealanders take control of their financial future.
Clear, simple financial advice designed to help you reach your goals. From KiwiSaver to long-term financial planning, we provide expert guidance to help grow your money faster.
FMA-licensed financial advice provider
Financial Advice Provider
Licence issued by the Financial Markets Authority
FSP number 1012466
Listed on the Financial Service Providers Register
KiwiSaver advice is free
No cost for reviews or fund selection advice
New Zealand wide
Meet online, by phone, or in person
Is Your KiwiSaver Helping You Build the Future You Want?
Your KiwiSaver is more than a savings account — it’s one of the most powerful tools you have for building your future. Whether you want to buy your first home, create long‑term financial security, or the retirement of your dreams, the right KiwiSaver strategy will make a meaningful difference.
Many New Zealanders are sleepwalking towards retirement in the wrong KiwiSaver fund - and many don’t have KiwiSaver set up at all! The good news is that small changes made today, or simply getting started, will make the difference between a comfortable retirement… or needing to keep working for longer than you ever planned.
At The Holistic Money Co., we provide KiwiSaver guidance shaped around you — your goals, your stage of life, and the future you want to create. We’re not tied to any particular KiwiSaver provider; we offer independent advice solely focused on identifying the fund that will serve you best.
How We Can Help
100% FREE KiwiSaver review with guidance tailored to your goals.
Independent, unbiased advice focused on what’s best for you.
Ongoing support and yearly check-ins to keep you on track.
Clear, easy-to-understand recommendations.
A simple, stress-free process.
We’re here to help you transform your future - making sure your KiwiSaver is working as hard as you are.
Step toward a stronger financial future.
Why Should I Speak with a Financial Advisor About KiwiSaver?
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Some people make financial decisions based on advice from their best friend, a relative, work colleagues, or even their mechanic. These people mean well — but good intentions aren’t the same as good advice. What worked for someone else might be completely wrong for you, your goals, your risk profile, and your future.
A qualified financial adviser provides independent, expert advice, specifically tailored to you and your circumstances.
Advisers are trained, regulated, and legally required to put your interests first. They build a plan based on evidence and your long‑term wellbeing.
Your financial future is too important to leave to chance. When the stakes are this high, you need more than someone else’s opinion — you deserve proper advice.
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The New Zealand Government contributes 25 cents for every dollar you save in your KiwiSaver account, up to a maximum of $260.72 per year. To receive this full amount, you need to put in $1,042.86 of your own money between 1 July and 30 June.
By opening a KiwiSaver account, and making the minimum investment, you’ll receive the Government contribution - this is a guaranteed return of 25%! Too many New Zealanders are missing out on FREE money - call us today so we can get you set up.
If you’re already in KiwiSaver, we’ll check to see that you’re receiving the maximum amount from your employer, and help you target increased returns to grow your KiwiSaver balance faster.
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Small financial choices today can have a big impact on your future wealth.
Choosing the right KiwiSaver fund is about capturing long‑term growth you might otherwise miss. The right fund selection can help you achieve stronger returns, benefit from compounding, and stay aligned with your risk tolerance and goals.
We’ll work together to identify a KiwiSaver fund that matches your investment time horizon, helps you diversify effectively, and positions your money to work harder over the long term.
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Know exactly what steps to take without confusion or guesswork.
Financial confidence comes from knowing your money is in the right place. This means your financial plan isn’t impacted by emotional decision-making or reactions to headlines.
With guidance from an independent adviser, you’ll develop a clear plan, with investment choices that match your goals and tolerance for risk.
Our consistent, ongoing support will help you stay on track, make informed adjustments, and feel confident about the future you’re building.
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Advice for the life you’re living - Financial advice should fit the reality of your day‑to‑day life — your goals, your pressures, your opportunities, and the decisions you’re making right now. At the Holistic Money Co. we provide clarity and structure so you can make informed choices about saving, investing, and planning for the future, without second‑guessing whether you’re doing the right thing. It’s practical, relevant guidance that supports the life you’re living today.
Advice for the whole of your life - Great advice goes further. We help you build a financial path that supports every stage of your life — from early career decisions, to buying a house, planning for retirement and everything in between. With smart fund selection and ongoing guidance, you stay focused on your goals and maximize your potential returns over decades. Our advice is designed to grow with you, and set you up for lifelong financial success.
Trust Statement
As an FMA-Licensed Financial Advice Provider, we deliver independent, transparent guidance focused on your goals. Our objective, client-first approach puts your financial wellbeing at the heart of every recommendation.
Our Commitment to You
Advice that’s honest, clear, and genuinely in your best interests.
We follow the Financial Markets Conduct Act 2013 and the Code of Professional Conduct for Financial Advice Services.
You can read the full Code at: www.fma.govt.nz
This means we:
Put your interests first — always
Act with care, diligence and skill
Communicate in a way that's easy to understand
Treat you fairly, with courtesy and respect
Are open about any potential conflict of interest
Provide advice suitable for your circumstances
Services We Offer
KiwiSaver
Personalised KiwiSaver advice to help you achieve your first home and retirement goals.
Read More ➡
Investment
Investment guidance shaped around your goals and your risk tolerance, helping you make well‑informed decisions.
Read More ➡
Financial Planning
Build a roadmap for your financial future: clear, organized, and designed to set you up for long‑term success.
Read More ➡
Retirement Plans
Create a retirement plan that supports you confidently transition into the lifestyle you want after work.
Read More ➡
Be Money Wise
Financial empowerment programmes designed for workplaces, community groups, and schools.
Read More ➡
Money touches every part of life.
At The Holistic Money Co. we focus on the areas that matter most to your long‑term wellbeing.
We’re upfront and transparent about
How We Get Paid
FREE KiwiSaver reviews and fund selection advice
FREE initial financial planning consultation
Ongoing financial advice charged at an hourly rate
Financial coaching offered as an annual package deal (with options to pay weekly, fortnightly or monthly).
Fees relating to specific financial products will be clearly explained - no hidden costs, no surprises.
Any fees relating to financial planning or ongoing financial advice will be discussed and agreed with you in advance.
These are clearly outlined in your Scope of Service and Statement of Advice.
Book a free review
Let's have an obligation-free conversation.
We’re based in Christchurch but work with clients all over New Zealand. Meet in person or connect online at a time that suits you.
What Our Clients Say
Trusted with the decisions that matter most.
Frequently Asked Questions
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Our advice process is designed to be simple and transparent. Our KiwiSaver reviews and guidance about fund selection is 100% FREE. Your ongoing, personalised support and annual reviews are often covered by the fund providers management fees.
Any fees for additional financial planning services will always be explained clearly before you proceed - no hidden costs, no surprises.
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Most initial consultations take around 30 minutes. The process is designed to be straightforward, flexible, and easy to fit around your schedule.
We understand that life is busy - our advisors are happy to meet with you outside of normal business hours, including during the weekend, if that works best for you.
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Your KiwiSaver can play a major role in helping you buy your first home and prepare for a comfortable retirement. Small improvements made today can make a significant difference to your long-term financial future.
Schedule a free call today so we can get your on track to achieve your goals.
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Not at all. Whether you’re just getting started, putting in the minimum amount, or you’ve been saving and growing your money for years, our advice is always tailored to your individual circumstances and goals.
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Yes, appointments can be arranged online or in person, depending on what works best for you.
We’re happy to work around your schedule and will arrange meetings outside of normal business hours and during weekends if that’s what suits you.
A free chat about KiwiSaver today could add hundreds of thousands to your future.
Keen to discuss further?