Questions About
My Net Worth,
Answered.

The simplest way is to book a conversation — it is free, confidential, and without obligation. As a rough guide: if you are building your financial foundation (starting to invest, sorting KiwiSaver, getting insurance in order, or making a first goal plan), LiftOff is designed for you. If your financial situation has grown in complexity — significant assets, trust structures, equity compensation, tax strategy, estate planning — Private Office is the more appropriate fit. If you are unsure, we will tell you honestly which service suits your situation after an initial conversation.

The first meeting is a focused conversation about you — where you are today, what you have built, what you want to protect, and the future you are working toward. There is no product presentation and no obligation. We ask questions, you ask questions, and together we establish whether we are the right fit for your situation. For LiftOff clients this typically runs 60–90 minutes; for Private Office clients, 45–60 minutes. Both are available in person or via video call.

No. You do not need documents, spreadsheets, or a prepared summary of your finances. The only preparation we ask for is a willingness to talk openly about your financial life — what you earn, what you own, what you owe, and what you want. We will guide the conversation from there. If it is helpful to have a rough sense of your KiwiSaver balance or current insurance cover, that is fine to have on hand, but it is not required.

A Statement of Advice is a formal, written document that sets out our recommendations for your specific situation — explaining what we are recommending, why, and what alternatives we considered. It is a legal requirement under the Financial Markets Conduct Act, and it is yours to keep. We provide an SOA for all substantive advice engagements. It is not a template with your name applied — every SOA is written for the client it belongs to.

Ongoing, by design. Annual reviews are built into every engagement across both LiftOff and Private Office. Your plan is a living document that changes as your life does — and your adviser is available between reviews for anything that comes up. A good advice relationship does not end when the paperwork is signed.

Yes — and it is often the most effective arrangement. Our advisers regularly coordinate with clients' existing accountants, solicitors, and other professional advisers. Our role is not to replace those relationships but to ensure that investment strategy, financial planning, tax structuring, and estate advice are all aligned — which is rarely the case when each professional works in isolation.

Yes — our complete fee schedules are published for both LiftOff and Private Office. LiftOff investment management is charged at 0.25% per annum, billed quarterly. Private Office investment management fees are tiered from 1.00% on the first $500,000 down to 0.25% above $5 million. Insurance advice costs you nothing directly. Planning and strategy work is charged at an hourly rate. There are no hidden fees and no surprises.

No. Our fee schedules are published in full on the relevant fees pages, and we go through them with you before you engage. There are no platform fees, no trailing commissions on investment products, and no charges for reviewing your situation before you decide to proceed. The only costs you will pay are those we disclose upfront. If anything is unclear, ask — we consider transparency a basic standard, not a differentiator.