KiwiSaver Advice
Make sure your KiwiSaver is working as hard as you are – with clear, honest advice from the same person who already knows your numbers.
The Right Fund Makes a Real Difference
Most Kiwis are in a KiwiSaver fund – but not everyone is in the right one. The gap between a default fund and the right one can add up to tens of thousands of dollars by the time you retire.
And yet working out what to do can feel complicated, confusing, or just another thing on the list.
I’m Adam – the accountant behind North Financial and a licensed financial adviser. I help everyday Kiwis cut through the noise, choose the right KiwiSaver provider and fund, and make sure their KiwiSaver is actually set up to deliver – whether that’s buying a first home, retiring comfortably, or just making the most of every dollar going in.
Because I’m also an accountant, I see the whole picture: your income, your tax, your goals, and your timeline, all in one place. And if you’re not already an accounting client — no problem. My financial advice service is open to everyone.
With the right advice, you can:
- Know you’re in the right fund for your goals and timeframe
- Make the most of your contributions and government top-ups
- Plan for your first home or retirement with real numbers
- Get advice that’s joined up with your tax and business
How I Can Help
Fund Selection
Not all KiwiSaver funds are the same – and the right one depends on where you’re headed, not just where you are now. I’ll help you understand the difference between providers and fund types, and make sure you’re in one that actually matches your goals and timeframe.
First Home Planning
If buying your first home is on the horizon, I’ll help you understand what you can withdraw, when, and how to make your KiwiSaver work as hard as possible in the meantime. We’ll factor it into your wider financial picture so there are no surprises when the time comes.
Contribution Rate
Getting your contribution rate right matters – both for your take-home pay today and your balance down the track. I’ll help you find the right level for your situation, including making sure you’re getting the full government top-up you’re entitled to.
Retirement Planning
We’ll look at where you’re heading, whether your KiwiSaver is on track, and what changes (if any) would make a real difference to the retirement you want – with realistic numbers behind it.
Transparent Pricing
I bring the same upfront, no-surprises approach I bring to accounting. Before any advice is given, I’ll explain exactly how I’m paid and what (if anything) it will cost you.
KiwiSaver advice is typically paid through commission received from the provider – both Milford and Generate pay 0.2% on funds under management, which is built into the existing management fee. I’ll always tell you how I’m paid before you commit to anything, and you’ll never be charged for advice without knowing the cost first.
Full details are set out in my Public Disclosure, and I’ll give you specific fee and commission information in writing once the scope of your advice is agreed.
How It Works
1. Book a free call
We’ll talk about what you’re trying to achieve and whether I’m the right fit.
2. Agree the scope
I’ll confirm what advice I’ll provide, how I’m paid, and give you my written disclosure.
3. Get your advice
You’ll receive clear, written recommendations you understand and can act on with confidence.
If you’d like advice that’s clear, honest, and joined up with the rest of your finances – let’s chat.
Important Information
North Financial Ltd (FSP1011688) holds a licence issued by the Financial Markets Authority to provide financial advice. Adam Clark (FSP1011687) provides financial advice on its behalf. Please read our Public Disclosure for full information about our financial advice service, including the products we advise on, our fees, and how any conflicts of interest are managed.
Need an Accountant or Financial Adviser Who Makes Life Easier?
If you’re looking for support that’s affordable, reliable and easy to work with – let’s chat.