OUR SERVICES
KiwiSaver Advice
Your KiwiSaver account is the key building block of your retirement. We help you navigate fund choices, contribution rates, and withdrawal strategies so your money works harder over time.
Build your KiwiSaver with purpose
KiwiSaver is one of the most powerful long-term savings tools available to New Zealanders – but only when it is structured correctly for your circumstances.
At Central Wealth, KiwiSaver advice goes well beyond choosing a fund. We help you understand how KiwiSaver fits into your wider financial picture, including retirement planning, home ownership, tax efficiency, and other investments. The right settings at the right time can make a material difference to long-term outcomes.
Our advice considers your life stage, time horizon, risk tolerance, and future goals. For accumulators, this often means ensuring contributions and fund choice are aligned with a defined retirement objective. For those closer to or in retirement, we focus on how KiwiSaver should be positioned alongside other assets and how it may be accessed over time.
We also review contribution levels, employer obligations, and eligibility for government contributions to ensure nothing is being missed. Where life circumstances change – such as career shifts, business ownership, or approaching retirement – KiwiSaver settings can change too.
Our role is to provide clarity and structure, helping you make confident decisions about one of your most important long-term assets, with ongoing advice to ensure it remains aligned as your life evolves.
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KiwiSaver is New Zealand’s work based retirement savings scheme. It can be a significant contributor to retirement. Yet many people are in funds they chose years ago, with little idea whether they still fit their life today. Our role is to make sure your KiwiSaver is working in step with the rest of your financial plan.
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Most employees contribute between 3.5% and 10% of their salary, with minimum rates scheduled to increase over time. Self employed and non employees can choose how much and when to contribute. We help you find the right amount for your situation.
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KiwiSaver is normally available from age 65, but it can also be used for a first home, and in cases of serious illness, significant financial hardship, or permanent emigration. We explain your options clearly.
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KiwiSaver isn’t one investment. It’s a range of choices across different providers and investment funds, from conservative to growth oriented. The right choice depends on when you expect to use the money, how much risk you can tolerate, and how your other investments are structured.
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Employers must contribute a minimum 3.5% of gross salary or wages to KiwiSaver (for eligible employees who are contributing). If you contribute at least $1,042.86 each year, the government adds up to $260.72 as well. These incentives are powerful – but only if your KiwiSaver is set up properly to make the most of them.
Looking for other services?
Central Wealth provides advice across the full spectrum of personal financial planning, with each service designed to integrate into a cohesive long-term strategy.
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Let’s build a retirement plan that fits your life and your ambitions.