OUR SERVICES
Financial planning for life
We handle the complexity so you can focus on what matters most. See what we offer below.
WHO WE WORK WITH
Different paths, one clear direction
Central Wealth works with people who want clarity, structure, and confidence in their financial lives - not just investment performance, but a plan that supports how they want to live.
Most of our clients fall into one of three broad life stages — accumulating wealth, approaching or in retirement, or managing surplus and risk-based capital. Many move between these stages over time. What unites them is a desire for informed decisions, thoughtful planning, and ongoing support.
1. Accumulators
For those building toward retirement, we define a clear financial goal and map the steps to reach it. We help balance competing priorities — like saving for retirement, upgrading a home, or supporting family — through structured Accumulation Plans and ongoing advice as circumstances change.
2. Retirees & those drawing on their wealth
For clients in retirement, the focus shifts from growing wealth to using it confidently. We help structure spending, align investments with time horizons, and plan for priorities such as travel, family support, or leaving a legacy. Spending Plans provide clarity and reassurance for a stress-free retirement.
3. Risk-based & surplus capital clients
For clients with sufficient wealth, the focus is on managing surplus capital with defined risk and timelines. Risk Plans guide disciplined growth and investment decisions, often alongside Accumulation or Spending Plans, ensuring decisions fit within a broader financial strategy.
Financial planning for life
OUR 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.
Planning that covers everything
Comprehensive financial planning that brings every part of your financial life into one clear, coordinated plan.
KiwiSaver advice
Helping you choose and optimise a KiwiSaver scheme that aligns with your goals and stage of life.
Australian super transfers
Clear guidance on evaluating, transferring, and integrating Australian super into a cohesive long-term plan.
UK pension guidance
Specialised advice on potentially transferring UK pensions, including tax, currency, and structural considerations.
Workplace saving and employee education
Financial education programmes that support employee wellbeing and improve long-term financial decision-making.
Legacy superannuation review
Reviewing legacy employer super schemes and integrating them into a modern, structured financial plan
TESTIMONIALS
Real stories from people who've worked with us
“During the COVID market downturn, Stephen rang to see how I was coping. I replied, ‘You’ve told us to expect an occasional downturn. That’s what this is. I don’t have to worry – I’ve got my buckets.’”
– Client
“Before working with Stephen, I didn’t fully appreciate how relevant financial planning could be for me. I now have a clear retirement goal, understand the steps to get there, and know I can seek support when needed.”
– Accumulator client
“Moving from saving to spending felt like a big step. Having a clear structure in place has made that transition much more comfortable. We now feel confident about what we can spend and how our plan will hold up over time.”
– Retired client
CONTACT
Start building your future today
Let’s build a retirement plan that fits your life and your ambitions.