Financial planning helps you map out your goals and create a strategy to reach them. It includes budgeting, saving, investing, and planning for the future. Use finpla. chat. to find out more...

Yes, but working with an adviser can help you avoid costly mistakes and tailor your plans more effectively. Using finpla. chat. gives you general guidance so you can build knowledge and feel confident before deciding if you need an adviser.

Guidance offers general information (like our finpla. chat. ). Financial advice is personalised to your circumstances and must be given by a licensed adviser. This is where we finpla. can help, get the financial guidance first so when you are ready finpla. can connect you to the best matching advisor for your specific needs.

Starting to save for retirement in New Zealand begins with understanding your long-term goals and choosing the right savings tools. The KiwiSaver scheme is the most common and accessible retirement savings option, with government contributions and employer matching making it a great place to start.

You’ll want to:

• Join KiwiSaver if you haven’t already – it’s voluntary, but beneficial.

• Choose a fund that matches your risk appetite (conservative, balanced, or growth).

• Contribute regularly, either through your salary or voluntarily.

• Review your fund and goals periodically to make sure you’re on track.

How finpla. can help:

finpla. chat. can explain KiwiSaver options, break down how contributions work, and help you understand the different fund types—all in simple language, whenever you need. When you're ready, we can connect you with a qualified adviser to tailor a plan specifically for your retirement goals.

The cost of financial advice in New Zealand can vary depending on the complexity of your needs and the adviser you choose. Some advisers charge hourly rates, flat fees, or a percentage of the assets they manage, while others may offer free initial consultations. In some cases, especially for insurance or mortgage advice, advisers are paid by commission from the provider, meaning you don’t pay directly at all.

While there can be costs involved, good financial advice often pays for itself in the long run—helping you avoid costly mistakes, plan smarter, and grow your wealth more efficiently. It’s an investment in your financial future.

How finpla. can help:

finpla. chat. gives you free, instant financial guidance to help you understand your options and the value of seeking professional advice. It can help you feel confident and informed before you ever speak to an adviser—so when you do, you're ready to make the most of that conversation. When your finpla. best matched advisor is found, they will call you free of charge and discuss possible next steps including associated costs.