Wealth
Whether you're planning for retirement, growing your investments, or reviewing your portfolio, we'll guide you with tailored advice to help your wealth work harder for you.
What We Can Help With
Financial Planning
We help you build a clear roadmap for your financial future; one that reflects your goals, values, and lifestyle. Using advanced financial modelling tools, we show you how to achieve your long-term goals in a way that feels achievable, realistic, and aligned with what matters most to you.
Retirement Planning
Not sure when, or if, you'll be ready to retire? We'll work with you to map out a retirement plan that gives you clarity and confidence about your future. Together, we'll set practical steps to reach your ideal lifestyle and the peace of mind that comes with knowing you're on track.
Investment Advice
If you're unsure where to invest or how much risk to take on, we'll guide you through it. We'll assess your goals, timeline, and attitude toward risk to design an investment strategy that's right for you, balancing opportunity with confidence at every stage.
Investment Management
We take care of your investments so you can focus on life. Our tailored portfolios are designed around your financial goals, with ongoing monitoring to keep you on track. Your funds are managed through a trusted New Zealand-based wealth platform that holds over $10 billion in investments, so you can rest easy knowing your money is in good hands.
Portfolio Second Opinion
Already have an investment portfolio but not sure it's doing its best for you? We'll analyse your current setup to ensure it's diversified, long-term focused, and cost-effective. Many large providers overcharge and underperform, we'll make sure your money is working as hard as you do.
Debt & Cashflow Modelling
Debt can be overwhelming, but a clear plan makes all the difference. Using detailed financial modelling, we'll map your debts, income, and spending to create a structure that helps you pay down balances faster and manage your cashflow with confidence.
We help you build a clear roadmap for your financial future; one that reflects your goals, values, and lifestyle. Using advanced financial modelling tools, we show you how to achieve your long-term goals in a way that feels achievable, realistic, and aligned with what matters most to you.
Not sure when, or if, you'll be ready to retire? We'll work with you to map out a retirement plan that gives you clarity and confidence about your future. Together, we'll set practical steps to reach your ideal lifestyle and the peace of mind that comes with knowing you're on track.
If you're unsure where to invest or how much risk to take on, we'll guide you through it. We'll assess your goals, timeline, and attitude toward risk to design an investment strategy that's right for you, balancing opportunity with confidence at every stage.
We take care of your investments so you can focus on life. Our tailored portfolios are designed around your financial goals, with ongoing monitoring to keep you on track. Your funds are managed through a trusted New Zealand-based wealth platform that holds over $10 billion in investments, so you can rest easy knowing your money is in good hands.
Already have an investment portfolio but not sure it's doing its best for you? We'll analyse your current setup to ensure it's diversified, long-term focused, and cost-effective. Many large providers overcharge and underperform, we'll make sure your money is working as hard as you do.
Debt can be overwhelming, but a clear plan makes all the difference. Using detailed financial modelling, we'll map your debts, income, and spending to create a structure that helps you pay down balances faster and manage your cashflow with confidence.
Why it matters
Maximise Your Savings
Getting your KiwiSaver working hard today can help you reach the milestones that matter, whether it’s saving for your first home deposit or building a comfortable retirement fund. With the right choices, your savings can grow faster and get you closer to the life you want.
Access to Advice
Getting your KiwiSaver working hard today can help you reach the milestones that matter, whether it’s saving for your first home deposit or building a comfortable retirement fund. With the right choices, your savings can grow faster and get you closer to the life you want.
Confidence & Peace of Mind
Getting your KiwiSaver working hard today can help you reach the milestones that matter, whether it’s saving for your first home deposit or building a comfortable retirement fund. With the right choices, your savings can grow faster and get you closer to the life you want.
Nationwide Expertise, Local Feel
From Auckland to Invercargill, we work with Kiwis everywhere. No matter where you are, you’ll get advice that’s as personal as if we were sitting across the table.
Fresh, Modern, Relevant
We leave the old-school ways behind. Our advice is clear, jargon-free, and tailored to fit your life right now, and where you’re heading.
Fee-Free and Focused on You
You won’t pay us a cent for our advice. Instead, we focus on creating a personalised plan that puts your goals first.
Everything in One Place
Insurance, KiwiSaver, mortgages, we bring it all together so your finances are simple, connected, and easy to manage.
A quick process, with a lifetime of value
We offer a free consultation. This is a 15-30 minute chat to see if and how we can help. We'll be open about what service you need, what's involved, and any costs, so you can make an informed decision.
Introductory Chat
A conversation to understand your goals, current assets, values, and what you want financial planning to achieve.
Fund & Provider Research
We use our financial modelling software to create a plan tailored to your goals. This involves analysing your current position and exploring options to ensure your plan works for you.
Recommendations Meeting
We present our advice, walk you through the recommendations, and ensure you're happy with the strategy. This step may be repeated to make sure you're confident in the plan.
Application & Setup
We help implement the plan and, if you choose investment management, assist with opening your new investment portfolio.
Implementation
Funds are allocated according to your plan, and any regular contributions or withdrawals are set up as needed.
Ongoing Support
We monitor your portfolio, conduct regular reviews, and are always available to answer questions or adjust your plan as your needs evolve.
Independent Financial Advice from $500
Fee Only Advice • Portfolio Management • Independent Advice
Why Clients Choose Us
Putting people first, every step of the way
I want to thank Andrew Liu for all his help — honestly can’t recommend him enough. Super professional and really knows his stuff — you can tell right away he’s not just winging it. He takes the time to actually explain things instead of just throwing numbers at you. If you’re looking for someone reliable to help with your finances, Andrew’s your guy.
Andre B
Orion Chau was great to work with, very informative and found a more affordable insurance provider. It was a pleasure to work with Orion and Lily.
Melissa P
I was frustrated with our previous broker and reached out to Connor. Not only did he find us a better policy, he was great to deal with especially considering he had to work around our busy schedule. Thanks again.
Russell E
I highly recommend Richard Moore for his exceptional professionalism, deep knowledge, and absolute honesty. I reached out to him to review my income protection insurance and explore other financial options.Instead of just trying to sell me a new policy, Richard conducted a meticulous, detailed comparison between my current provider and the market alternatives. He concluded that my existing coverage was already excellent and honestly advised me to stick with it.Finding an adviser who prioritizes the client's best interests over making a sale is rare. Richard has earned my complete trust, and I will absolutely look to him for all my future insurance and financial planning needs.
Sau Lee C
5/5 Stars ~ Working with Paige (Financial Advisor) at Invicta Financial has been such a great experience. Right from the start, she was incredibly nice and so easy to talk to. She really went above and beyond to make sure I was looked after, and I genuinely appreciate everything she’s done for me. If you’re looking for someone who actually cares, definitely reach out to her!
Kayla S
Tom has been a dream to deal with! Very easy to communicate with.
Debra S
Dealt with Caleb to sort my KiwiSaver, he was very professional, helpful and warm. He helped me switch from my standard bank over to an externally managed fund, and I have seen positive growth in my KiwiSaver. A very knowledgeable advisor.
Tayla W
Frequently Asked Questions
Everything you need to know about our services, process, and how we work with clients in Auckland, Christchurch, Wellington, and across New Zealand.
Yes. We work with clients nationwide through online meetings, calls, and digital tools. No matter where you live in New Zealand, you can access our full investment planning service and referral network.
Yes. We can align your investment strategy with ethical or ESG preferences while still focusing on long-term outcomes. Your values and goals guide how your portfolio is built.
Compounding allows your returns to earn returns over time. The longer you stay invested, the stronger the effect becomes. Our role is to help you stay consistent and avoid decisions that interrupt long-term compounding.
We provide advice across shares, managed funds, KiwiSaver, and diversified portfolios. For clients interested in property investment, we connect you with trusted referral partners who specialise in that area. This ensures you get a balanced, unbiased investment strategy.
We review your portfolio regularly—at least once a year, or sooner if your goals or situation change. Reviews keep your plan on track and ensure your investment mix stays right for you.
No. We work with first-time and experienced investors nationwide. If you're new to investing, we’ll walk you through the basics and build a simple, practical plan to get you started with confidence.
You get clear guidance across multiple asset classes, not just shares. We help you understand the role of market investments, manage funds, consider property options via referral partners, and create a balanced long-term strategy. Our job is to help you stay consistent, avoid common mistakes, and keep your plan aligned with your goals.
We assess your goals, income, and risk tolerance, then build a personalised strategy. Your plan may include shares, managed funds, KiwiSaver, diversified portfolios, and—through referral partners—property investment options. Everything is based on independent research, not product sales.
An adviser gives structure, discipline, and clarity. We help you avoid emotional decisions, understand your options, and stay focused on your goals when markets move. You get advice tailored to your situation instead of guessing on your own.
Investment planning helps you set clear financial goals and build a strategy to reach them. We work with clients all across New Zealand to create plans that match your timeframe, lifestyle, and long-term ambitions.