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Planning Guide

The Adviser Premium

Returns, behaviour, and the counsel that keeps long-term plans intact

Most New Zealanders manage their wealth without professional advice. Research from Vanguard, Russell Investments, and Morningstar places the annual value of a financial adviser at 3–5% — exceeding the cost of advice by a wide margin. The largest component is not portfolio management. It is the function that prevents investors from acting on what markets make feel rational at the worst possible moment.

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