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
Andrew Liu has provided exceptional policy advice, providing better insurance options and prices than our current agent and other agents who have reached out to provide policy advice. Highly recommend Andrew - his analysis of insurance options that best meet our needs has been beyond that from any other agent - first time I feel we have the best cover and premium prices for our personal insurances.
Lisa
We had a meeting with Tom from Invicta Financial. We honestly could not be more happy with how easy and stress free Tom has made it. His knowledge and experience in the industry made us understand it all with ease. Invicta financial really works for you, to give you the best cover that works for what we need right now. Couldn’t recommend enough, great service and would highly recommend to anyone who wants to understand their insurance and KiwiSaver easily!
Lisa
Great people, very helpful. Had an insurance claim last year and all I did was let Jared know and it was very smooth sailing with no stress at all. Highly recommend
Thor
Great to work with people that can advise you on how to better invest in your future. The service is fantastic and Lucas is very professional and took his time explaining various scenarios. Great, professional service.
Karen F
Thanks so much for taking the time & explaining the ins & outs. Finding me the best product for my situation. Really appreciated it.
Karen W
Great people and very helpful. Jared went above and beyond for my wife and I, lovely man.
Alex B
Invicta financial provided exceptional service, making insurance easy to understand and tailored to my needs as a young professional. Their team was attentive, proactive, and always available to answer my questions. Thanks to their expertise, I now have comprehensive coverage at an affordable price, giving me peace of mind. Highly recommend!
Tom F
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.