Your biggest investment deserves more than a “set and forget” approach

For many New Zealanders, KiwiSaver will become one of the largest assets they ever own. Whether you’re saving for your first home, retirement, or simply building long-term wealth, the decisions you make today can have a significant impact on your financial future.

Yet many people have never received KiwiSaver advice. They’re still in the first fund they were enrolled into, haven’t reviewed their investment strategy in years, or simply aren’t sure whether their KiwiSaver is working as hard as it could.

That’s where we can help.

KiwiSaver isn’t one-size-fits-all

The right KiwiSaver strategy depends on your goals, your age, your investment timeframe and how comfortable you are with investment risk.

Choosing the wrong fund could mean missing out on tens, or even hundreds of thousands of dollars for retirement.

We help you make informed decisions

Our advice is tailored to your circumstances, not a generic checklist.

We’ll help you understand:

• Whether you’re in the right type of fund.
• If your current provider is meeting your needs.
• How much risk is appropriate for your goals.
• Whether your contribution rate is right for your situation.
• How KiwiSaver fits into your broader financial plan.

Buying your first home?

KiwiSaver can play a major role in helping you purchase your first home.

We’ll help you understand how your KiwiSaver works alongside your home ownership goals, explain the withdrawal process, and ensure your investment strategy remains appropriate while you’re working towards your deposit.

Planning for retirement?

Retirement isn’t just about reaching a certain age—it’s about having choices.

The earlier you start making informed decisions, the more time your investments have to grow. Even small improvements made today can make a meaningful difference over the long term.

Why get KiwiSaver advice?

Many Kiwis never seek advice because they assume all KiwiSaver funds are the same or that switching providers is too complicated.

The reality is that your provider, fund choice, contribution rate and investment strategy all matter.

Independent research has reported that New Zealanders who receive financial advice tend to have substantially higher KiwiSaver balances than those who don’t. While advice can’t guarantee higher returns, having a personalised strategy can help you make better long-term financial decisions and avoid costly mistakes.

Simple. Personal. Ongoing

At OX Financial, we believe KiwiSaver advice should be straightforward and easy to understand.

No confusing terminology. No pressure. Just personalised advice designed to help your money work harder for your future.