Wikus4Advice

18/04/2026

Had a really good chat this week with someone re their KiwiSaver who said:

“I wish I’d looked at this earlier…”

That’s actually more common than you’d think.

Most people don’t realise what’s working… and what isn’t… until someone walks them through it properly.

15/04/2026

Since the Amazing Race Game I’ve had a few people reach out recently saying:
"𝙃𝙚𝙮 — 𝙄’𝙫𝙚 𝙗𝙚𝙚𝙣 𝙢𝙚𝙖𝙣𝙞𝙣𝙜 𝙩𝙤 𝙘𝙝𝙚𝙘𝙠 𝙢𝙮 𝙆𝙞𝙬𝙞𝙎𝙖𝙫𝙚𝙧 𝙬𝙞𝙩𝙝 𝙮𝙤𝙪…”

So I thought I’d do something simple

Over the next couple of weeks, I’m opening up a few quick KiwiSaver check-in chats again.

Nothing hectic — just 10–15 mins to see if things are actually set up properly.

👉 If you jump on one of those chats, I’ll also put your name into a draw for a $250 gift box as a bit of a bonus 👍

No catch — just a 𝗴𝗼𝗼𝗱 𝗰𝗼𝗻𝘃𝗲𝗿𝘀𝗮𝘁𝗶𝗼𝗻 and a bit of value either way.

If you’ve been meaning to get around to it, now’s a good time
Book a Call HERE ➡ https://calendly.com/a4l/quickcall

30/03/2026

Something I noticed last week… 👀

A lot of people aren’t necessarily doing KiwiSaver wrong…

It’s just not properly aligned to what they’re actually trying to achieve.

For example:
- planning to buy a house soon but still sitting in high growth
- contributing the bare minimum without realising what that means long-term
- or just never having had anyone explain how it all fits together

Nothing major — just small misalignments.
But over time, those small things can make a big difference.

That’s where a bit of strategy goes a long way 👍

29/03/2026

What a week that turned out to be

One of the best parts of the last few days?

𝙏𝙝𝙚 𝙥𝙚𝙤𝙥𝙡𝙚.

Good chats, plenty of laughs, and some really great conversations around goals, plans, and what the future could look like.

These are just a few of the posts people shared after coming through — which was pretty awesome to see 👀

It’s always interesting how a quick chat can shift how someone sees their KiwiSaver.

And in most cases… we only scratched the surface.

Really appreciate everyone who came through and took the time to stop in 👍

26/03/2026

𝗗𝗮𝘆 𝟯 — 𝗻𝗼𝘁 𝗾𝘂𝗶𝘁𝗲 𝗵𝗼𝘄 𝘄𝗲 𝗽𝗹𝗮𝗻𝗻𝗲𝗱 𝗶𝘁… 🌧️☕

Well… today threw us a bit of a curveball.

Flooding forced us to pack up earlier than expected — but even with a shortened day, we still had some really solid conversations and great people come through.

Across today alone, we saw over $1,018,000 in improved KiwiSaver projections 👀

Again — not from anything crazy, just small strategy shifts, better alignment, and understanding how everything fits together.

To those who tried to come through and got caught out by the weather — sorry we missed you!

But… we’ve got you covered 👍

If you still want to:
👉 get your points
👉 have a quick KiwiSaver WOF
👉 and see how your setup is tracking

We’ll make an exception and do it online.

You can book here:
https://calendly.com/a4l

(It says 30 mins, but we’ll likely only need about 10–12 👍)

25/03/2026

𝗗𝗮𝘆 𝟮... 𝗗𝗢𝗡𝗘 — 𝗮𝗻𝗱 𝗶𝘁’𝘀 𝗵𝗲𝗮𝘁𝗶𝗻𝗴 𝘂𝗽 👀☕

More people came through yesterday and again… some seriously interesting conversations.

Across just yesterday, we saw over $1.8 million in improved KiwiSaver outcomes based on updated projections.

Which is pretty wild when you think about it.

But honestly — it’s not even about the numbers.

It’s the chats.
The “wait, I didn’t know that” moments.
The realisations.

Some people were taking on more risk than they needed to.
Others were actually in a solid spot — just needed a few tweaks.
And a couple hadn’t even really started properly yet.

Nothing complicated — just getting things aligned properly.

That’s where the value is.

Final day today - Get here when you can. When the coffee is done; We are done!👀
Note: 𝟵:𝟯𝟬 𝘁𝗼 𝟭𝟭:𝟯𝟬𝗮𝗺 𝗼𝗻𝗹𝘆 👀☕

25/03/2026

𝗪𝗵𝗮𝘁 𝗮 𝗳𝘂𝗻 𝗰𝗼𝘂𝗽𝗹𝗲 𝗼𝗳 𝗱𝗮𝘆𝘀 𝗮𝗹𝗿𝗲𝗮𝗱𝘆 ☕

𝗗𝗮𝘆 𝟭 kicked things off in the best way.

Met some seriously awesome people — good chats, plenty of laughs, and a whole lot of “ahh that actually makes sense now” moments.

We spoke about first homes, long-term plans, and how KiwiSaver can actually work properly when it’s set up right.

Across those first conversations, we saw 𝗼𝘃𝗲𝗿 $𝟭.𝟰 𝗺𝗶𝗹𝗹𝗶𝗼𝗻 in improved KiwiSaver outcomes based on updated projections 👀

Not from anything crazy — just small changes in strategy, fund alignment, and understanding how it all fits together.

👉 Some chats were quick.
👉Some went a bit deeper.
👉 All of them were worth it.

And the best part?

Seeing people walk away with a clearer picture of where they’re heading.

That’s what this is all about.
Below are just a few of the great chats I've had!!

24/03/2026

Koffie, Klets & KiwiSaver ☕

Quick update from Day 1…

A lot of people have already come through for a quick KiwiSaver WOF — and the results have been seriously eye-opening 👀

Across just today, we’ve already helped improve people’s potential KiwiSaver outcomes by hundreds of thousands of dollars collectively — just by adjusting strategy, fund setup, and how things are structured.

Some people were:

➡ taking on more risk than they realised (especially with home deposits)
➡ sitting in default setups that weren’t really working for them
➡ or simply not making the most of what they already have

Nothing complicated — just better alignment and a bit of proper strategy.

If you haven’t been through yet, it’s honestly worth the stop.

👉 It’s quick
👉 You get your points
👉 Free coffee
👉 And you might walk away seeing your KiwiSaver very differently

I’ll be at Joe’s Garage Silverdale:

Wed & Thu | 9:30am – 2pm

Pop in — even just for a quick check 👍

Visit:

There is one leaderboard, one winner, no cost to enter, and one $10,000 prize. Plan smart, move fast, follow the rules carefully — and you could be the one person who wins it all.

21/03/2026

Big takeaway 👇
Even a small increase now can make a big difference later.

If you’re unsure whether to stay at 3%, move to 3.5%, or go higher — it’s worth checking what that actually means for your future.

Most people haven’t run the numbers.

KiwiSaver contribution rates are the regular payments made by employees, employers, and the government to help New Zealanders build long-term retirement savings. From 1 April 2026, the minimum KiwiSaver contribution rate for employees and employers will increase from 3% to 3.5% of before-tax pay.

From 1 February 2026, employees can apply to Inland Revenue for a temporary rate reduction to keep contributing at 3% after the April increase.

Here's what changes and when:
• 1 April 2026: default rate rises from 3% to 3.5%
• 1 April 2028: default rate rises again to 4%
• The increase applies to both you and your employer
• It happens automatically through payroll

If the increase doesn't suit your situation right now, you have options. A temporary rate reduction lets you stay at 3% for up to 12 months. You can reapply as often as needed.

Everyone's financial situation is different. Read the full article to understand how this change works, what it means for your payslip, and what to do if 3.5% isn't right for you right now.

👉 https://www.booster.co.nz/blog/kiwisaver-contribution-rates

Booster Investment Management Limited is the issuer of the Booster KiwiSaver Scheme. Product Disclosure Statements are available at www.booster.co.nz or from your financial adviser.

27/03/2025

This Guy...!! 😁

Meet Wikus, one of our experienced advisers at Advice4Life. 👋 With nearly 20 years in the insurance and KiwiSaver industry, Wikus helps clients protect their…

06/02/2025

So the construction industry in New Zealand has been one of the hardest-hit sectors during the economic downturn. Residential building consents have fallen by -34% from their peak, driven by:

O - High interest rates

O - Declining house prices

This slowdown has significantly impacted companies like Fletcher Building, which is heavily exposed to residential construction. Since 2022:

>> Fletcher Building’s earnings (before significant items) have declined by -60%.

>> Its stock has underperformed the wider NZ share market by -45%.

In response, some KiwiSaver portfolios reduced their exposure to Fletcher Building early on, helping to manage risks and provide more stability to their multisector funds.

It’s a reminder of how important it is to actively manage risks in a changing economic environment.

Disclaimer: These insights are gathered from third-party market update newsletters and are not my personal views.