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Monday 9am - 5pm Tuesday 9am - 5pm Wednesday 9am - 5pm Thursday 9am - 5pm Friday 9am - 5pm

NZSaver

Mortgage, Insurance, KiwiSaver & Financial Planning to get you into your first home.

We are a team of advisers that offer a range of different solutions to your many financial needs. Whether you need some financial coaching to get you into your first home, need general financial advice on lending, insurance, KiwiSaver or want some help with more in-depth financial planning such as preparing for retirement, we are the team for you. We understand your goals, what your desired outcom

es are and what is important to you. From there we help build a plan and actively work with you to help and support you achieve your financial goals.

26/03/2026

Try out our Phase Out tool for Total Wealth if you're trying to bring down and manage your insurance costs and maximise your returns for KiwiSaver.

https://kiwisaver-phase-out.lovable.app/

23/02/2026

We’ve evolved.

WealthHQ is now NZSaver.

Why? Because building wealth isn’t just about adding more, it’s about knowing what to phase out.

As your KiwiSaver strengthens, some of your insurance may no longer be needed, and that difference can be redirected into your future.

It's called the ‘Phase-Out Strategy’.

Reduce what no longer makes sense. Redirect it into long-term growth.

Welcome to NZSaver.

05/12/2024

How much can you withdraw from your KiwiSaver at retirement?

Liam, one of our advisers, discusses the factors to consider when deciding how much KiwiSaver to withdraw at retirement.

A general guideline is to aim for around 60-65% of your pre-retirement income.

For example, if you earned $100K annually, aim for $60K in retirement.

Additionally, couples eligible for NZ Super might expect to receive about $40-41K combined.

How much you withdraw from KiwiSaver depends on your lifestyle, other income sources, and assets like investment properties. There are multiple factors to consider when planning for retirement.

🎧 Listen to the full podcast
Spotify: https://open.spotify.com/show/5UPuKHlKT4JUQjH2Tg0FeB
Apple: https://podcasts.apple.com/us/podcast/the-homeseekers/id1682821929

03/12/2024

What happens to your KiwiSaver if your provider fails?

Liam, one of our advisers, explains a key detail about Kiwisaver that many people may not know: Kiwisaver funds are held in a legal trust.

Unlike a regular bank account, this trust ensures that if your provider, such as a bank, faces litigation or goes into receivership, your funds cannot be used to cover their business debts.

This structure is designed to protect your investments.

Additionally, if your provider goes under, the government has backup providers lined up, ensuring a smooth transition to safeguard your funds.

🎧 Listen to the full podcast
Spotify: https://open.spotify.com/show/5UPuKHlKT4JUQjH2Tg0FeB
Apple: https://podcasts.apple.com/us/podcast/the-homeseekers/id1682821929

28/11/2024

Why should you join KiwiSaver?

Liam, one of our advisers, explains the key reasons for joining Kiwisaver. He highlights the additional contributions from both employers, who must contribute at least 3% of your gross salary, and the government, which provides $521 annually if you contribute $1,042.

Over ten years, this adds up to a significant amount, especially when factoring in compound gains, which could grow at an estimated 8% annually.

Liam emphasises the considerable financial benefits from these extra contributions beyond your own, making KiwiSaver a valuable savings tool.

🎧 Listen to the full podcast
Spotify: https://open.spotify.com/show/5UPuKHlKT4JUQjH2Tg0FeB
Apple: https://podcasts.apple.com/us/podcast/the-homeseekers/id1682821929

26/11/2024

How much should I contribute to KiwiSaver?

Liam, one of our advisers, discusses contribution rates to investment plans, noting that you can contribute fixed percentages of 3%, 4%, 6%, 8%, or 10%.

These rates can be adjusted through your provider or the IRD.

He emphasises that contributing more will positively impact long-term returns, although the ideal amount depends on individual circumstances.

Liam encourages contributing as much as you can at any given time, highlighting that contributions of 8% or 10% can significantly enhance your compound returns over time.

🎧 Listen to the full podcast
Spotify: https://open.spotify.com/show/5UPuKHlKT4JUQjH2Tg0FeB
Apple: https://podcasts.apple.com/us/podcast/the-homeseekers/id1682821929

22/11/2024

How to change Kiwisaver funds?

Liam, one of our advisers, explains that switching KiwiSaver providers is a straightforward process.

The key is to speak to an adviser who can guide you through the application.

The transfer is done cleanly through IRD, as the funds remain in a legal trust.

Essentially, the management of the funds changes hands between providers, making the transition smooth and easy.

🎧 Listen to the full podcast
Spotify: https://open.spotify.com/show/5UPuKHlKT4JUQjH2Tg0FeB
Apple: https://podcasts.apple.com/us/podcast/the-homeseekers/id1682821929

21/11/2024

Where does my Kiwisaver money go?

Liam, one of our advisers, explains that KiwiSaver funds are held in legal trusts, ensuring that the government cannot access them.

These funds are then invested in a diversified portfolio that includes companies, equities, shares, property, term deposits, and bonds.

The distribution of investments is based on an individual's risk profile, with growth assets like equities and shares being higher risk, and income assets like property, term deposits, and bonds being more conservative.

🎧 Listen to the full podcast
Spotify: https://open.spotify.com/show/5UPuKHlKT4JUQjH2Tg0FeB
Apple: https://podcasts.apple.com/us/podcast/the-homeseekers/id1682821929

20/11/2024

Why do you need a financial adviser?

Liam, one of our advisers, explains the benefits of having expert knowledge and constant monitoring when investing in Kiwisaver.

He emphasises the importance of having someone to talk to during market volatility and a neutral adviser not aligned with a single provider.

This offers peace of mind, ensuring you're always with the right provider.

🎧 Listen to the full podcast
Spotify: https://open.spotify.com/show/5UPuKHlKT4JUQjH2Tg0FeB
Apple: https://podcasts.apple.com/us/podcast/the-homeseekers/id1682821929

15/11/2024

What is Kiwisaver?

Liam, one of our adviser, explains that KiwiSaver is a government-backed fund designed for two main purposes: purchasing a first home and retirement.

Contributions come from a person's salary, with employers matching a minimum of 3%. Some employers may contribute more, but 3% is the minimum.

The government also adds to the fund, contributing annually, which is essentially "free money" from the government.

🎧 Listen to the full podcast
Spotify: https://open.spotify.com/show/5UPuKHlKT4JUQjH2Tg0FeB
Apple: https://podcasts.apple.com/us/podcast/the-homeseekers/id1682821929

14/11/2024

Are you prepared for your retirement dreams?

Liam, one of our advisers, and Ali share their perspectives on working in financial services, saying that it can be described as saving lives and making dreams come true.

Ali emphasises the role of insurance in protecting lives and helping clients plan for retirement.

While it may take years to see the full benefits, Liam hopes that by helping clients build a more comfortable financial future, they'll remember the positive impact his advice had on their lives.

🎧 Listen to the full podcast
Spotify: https://open.spotify.com/show/5UPuKHlKT4JUQjH2Tg0FeB
Apple: https://podcasts.apple.com/us/podcast/the-homeseekers/id1682821929

Address

1 Ara Tai Road, Halfmoon Bay
Auckland
2144

Opening Hours

Monday	9am - 5pm
Tuesday	9am - 5pm
Wednesday	9am - 5pm
Thursday	9am - 5pm
Friday	9am - 5pm

Website

https://nzsaver.co.nz/

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