Your largest retirement asset deserves a strategy
A vital entry point for many. We provide expert KiwiSaver Advice to ensure your primary retirement vehicle is performing at its peak and aligned with your total wealth strategy.
Based on a growth investor profile earning 11.5% p.a. after fees and taxes.
From passive saving to active stewardship
Most New Zealanders recognise that KiwiSaver is a cornerstone of their future security. However, once the account is opened, it is often left to run on its own. While “letting it do its thing” is a start, the long-term impact of fund selection, tax settings, and fee structures can significantly change your eventual outcome.
At Earnslaw Goodlight, we treat KiwiSaver as a critical pillar of your wealth. We provide the independent analysis to ensure your funds are not just sitting in an account, but are actively positioned for the specific future you are building.
Tailored Advice for Active Owners and Professionals
The Active Farmer
The Business Owner
The Medical Professional
The Family Steward
How we optimise your retirement savings
Fund Analysis
We look past the marketing. We analyse the underlying assets, the actual fee structures, and the historical performance to find the right fit for your goals.
Overview of Your Situation Changes
We ensure your Prescribed Investor Rate (PIR) is correct and your contribution levels are optimised to capture every available benefit.
Risk Alignment
Your risk tolerance changes as you approach your exit. We provide the ongoing oversight to shift your strategy from wealth creation to wealth protection at the right moment.
Integrating KiwiSaver into your total strategy.
KiwiSaver should not exist in a vacuum. As your independent partner, we look at how your retirement savings interact with your other assets, such as your business equity or property holdings.
By coordinating these moving parts, we ensure your wealth is structured to provide true independence. We identify where your total balance sheet is over-exposed and use your KiwiSaver as a strategic tool to provide balance.
This is the difference between having a savings account and executing a professional wealth strategy.
Unbiased expertise. No hidden agendas.
Earnslaw Goodlight was founded on the principle that financial advice should be entirely unconflicted. We operate as a boutique, commission-free firm, which ensures our interests stay perfectly aligned with your own.
By choosing a flat-fee model, we remove the incentives that often lead to “product-led” recommendations. We don’t have in-house funds to sell or corporate sales targets to hit.
Instead, we provide the high-level strategy and technical discipline required to manage significant wealth, delivered with the calm, grounded perspective of a local Cambridge partner. This is a relationship built on the long-term growth of your capital, not the transaction of the moment.
Frequently Asked Questions about KiwiSaver Advice
Why do I need an advisor for KiwiSaver?
As your balance grows, small differences in returns can represent hundreds of thousands of dollars over decades. Professional oversight ensures you are in the right fund for your specific timeline.
Can I move my KiwiSaver to you?
We do not “take” your money. We provide the advice and help you select the best provider. Your funds remain held by established New Zealand institutions, while we provide the strategic management.
How do your fees work for KiwiSaver?
As part of service to our customers, we provide Kiwisaver via Pathfinder Asset Management Ltd and Milford Asset Management Ltd.
At no cost to the customer they pay Earnslaw Goodlight 0.2% of the Kiwisaver balance. For instance for every $100,000 under management, they pay $200 per year.
Is it ever too late to switch funds?
It is rarely about being “too late” and always about being “right for right now.” Whether you are five years or twenty-five years from retirement, your strategy should reflect your current reality.
Can’t find your question?
Every investment situation is different, and the best answers are personal ones. Talk to an advisor and get clarity on what matters most to you.
