LiftOff / Investment Advice

Investing,
built around your life.

Evidence-based portfolios using low-cost, diversified funds — built to your goals, timeline, and risk tolerance. Not a model portfolio designed for someone else.

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200+

Funds assessed

50bp

Advice fee

100%

Fee transparent

Investment Advice

Most people pick
a platform.
Few build a strategy.

Signing up to Sharesies or Hatch is easy. Knowing what to actually buy, how much to invest, what risk level suits you, and how to structure it tax-efficiently — that is where most people get stuck.

Investment advice is not about picking stocks. It is about building a portfolio that fits your life — your timeline, your risk tolerance, your tax situation, and your goals — and staying the course when markets get uncomfortable.

Investment advice is charged at 0.25% p.a. on assets under advice. Full fee schedule →

1 in 5

Kiwis directly own shares — one of the lowest rates in the developed world.

$341B

NZ managed funds market as of June 2024. Most Kiwis are not participating.

+4%

average additional annual returns for investors working with a financial adviser.

The Compound Difference

Time in the market
beats timing
the market.

Every year on the sideline costs more than the last.

Cash held in savings loses ground to inflation each year. A disciplined investment strategy — even a simple one — compounds meaningfully over a decade or two.

Advice helps you start earlier, invest in the right structures, and stay the course when markets move against you. Those three things alone make a significant difference.

20yr

investment horizon shown above

+4%

average additional annual returns with advice

Cash / savings

Invested portfolio

What We Cover

Investment advice
across every
area that matters.

Risk profiling

We assess both your financial capacity to take risk and your emotional tolerance for volatility — they are rarely the same number.

Asset allocation

A portfolio split across asset classes — equities, bonds, cash, property — matched to your timeline and goals.

Tax-efficient structure

Guidance on PIE funds, your prescribed investor rate, and how to hold investments in the most tax-smart way for your situation.

Portfolio rebalancing

Ongoing management to keep your allocation on track as markets move and life circumstances change.

Our Process

A clear path
from where you are
to where you want
to be.

From first conversation to written advice in most cases within three weeks. No unnecessary complexity.

Discovery

We start by understanding your current financial position, what you already have, and where you want to get to.

Risk Profile

We assess your capacity for risk (financial) and your appetite for it (emotional) — two very different things.

Strategy

We develop an asset allocation and investment approach tailored to your goals, timeline, and circumstances.

Written Advice

You receive a Statement of Advice — a formal, regulated document laying out all recommendations and reasoning.

Implementation

We help you set up accounts, make the investments, and put your strategy into action from day one.

Platforms

Platform-agnostic.
Always.

We do not earn commissions from any platform or fund manager. Our recommendations are based entirely on what suits your situation — the platform that fits your needs, not ours.