Personalised KiwiSaver advice
Good KiwiSaver advice starts with you.
If you've built a substantial KiwiSaver balance alongside a career, business or other investments, James can help you consider how those decisions fit together.
James Newbigin
Founder & Financial Adviser
New Zealand and international investment experience, including Craigs Investment Partners and Saxo Bank in London.
A conversation with James
Let's talk about your KiwiSaver.
Tell James what you're working towards and where KiwiSaver fits today. Your first conversation is a chance to explore whether a more personalised approach would suit you, understand how his advice works, and decide on a sensible next step.
By requesting a call, you ask Bespoke Wealth to contact you about this enquiry. See the Privacy Policy.
Prefer to choose a time? Book a 30-minute strategy call.
Life moves forward
Your life has changed. What about your KiwiSaver?
Perhaps you joined KiwiSaver when retirement felt a long way off. You chose a fund, set up your contributions and got on with life.
Since then, your career may have progressed. You may have built a business, bought a home, started a family or invested elsewhere. Your KiwiSaver has grown too, and it may now represent a meaningful part of the wealth you're building.
Yet it can remain a separate decision: a balance you check occasionally, without much opportunity to consider the role it should play in your future.
That is where a personal conversation becomes useful. You might be thinking about when to step back from work, how to balance business and personal investments, or what you want to make possible for your family. James starts with those plans, then considers how your KiwiSaver can sit alongside them.
Personal means understanding you
Before a recommendation, a proper conversation.
Talk through your bigger picture with JamesTwo people can be the same age, with similar KiwiSaver balances, and need very different advice.
One may want the freedom to reduce their working hours. Another may be growing a business, supporting family or building investments elsewhere. Their priorities, the risks they can afford to take and the way they feel about market movements may be quite different.
James takes time to understand those differences. He considers your income, other investments, financial commitments and future plans, as well as when you expect to use your KiwiSaver. He also explores how you would feel if markets fell, so the discussion covers both financial risk and your comfort with uncertainty.
You do not need a perfectly formed retirement plan before you get in touch. You may simply want help understanding which questions deserve attention and how your decisions fit together.
James Newbigin
Founder & Financial Adviser
Meet James Newbigin
Experience in markets. Time for your story.
When you get in touch with Bespoke Wealth, you'll speak directly with James.
His experience includes working as an Investment Adviser and Partner at Craigs Investment Partners, followed by working with private investors and family offices at Saxo Bank in London. He brings that New Zealand and international investment experience to the advice he provides today.
But a useful advice relationship also needs room for the everyday questions. Can you explain why this approach suits me? How does it fit with my other investments? What happens if my plans change?
James's role is to help you work through those questions, explain the choices and trade-offs, and develop advice around your circumstances. You have someone to speak with who understands the thinking behind your strategy, as well as the investments within it.
The thinking behind your strategy
What personalised advice looks like in practice.
Read our disclosure statementUnderstanding you gives the investment decisions a purpose.
James considers suitable investment managers, products and portfolio options in the context of your objectives. The discussion connects each choice to the part your KiwiSaver needs to play, including how it sits alongside investments you already hold.
For suitable clients, that may include personalised or self-directed portfolio options. James can explain the flexibility available, the additional decisions involved and whether that approach is useful for your circumstances. More choice has value when you understand why you are using it.
Costs belong in the same conversation. James explains the scope of his advice, the relevant advice fees and investment charges before you decide to proceed. You can ask what you will receive, how the costs work and what an ongoing relationship would involve.
Once advice is in place, changes in your work, family or future plans may be a reason to revisit it. Ongoing guidance gives you someone who knows the thinking behind your strategy and can help you consider what those changes mean.
When a conversation can help
You've put thought into building your future. Give your KiwiSaver a place in it.
This service is particularly relevant if you have built a substantial KiwiSaver balance and want it considered alongside the rest of your wealth. You may be an established professional planning your next chapter, a business owner balancing personal and business investments, or someone working towards retirement with several financial decisions to bring together.
You value being able to speak directly with an adviser who knows your circumstances and can explain the choices. The first conversation helps you and James explore whether his approach is a good fit, and what further advice would involve.
Request a call with JamesYour first conversation
Bring your questions. Start where you are.
Your 30-minute introductory KiwiSaver strategy call is a chance to talk directly with James about what matters to you.
Tell him a little about your KiwiSaver, the other financial commitments or investments in your life, and the question you would most like to work through. You can ask how his advice process works, what information he would need and what working together could involve.
The aim is to help you understand whether his approach suits what you need and what the next step would be. Detailed personal recommendations follow a fuller assessment, with the scope and costs explained before you proceed.
Choose a time that suits you, or leave your details if you would prefer James to call. Bespoke Wealth works with clients throughout New Zealand.
30-minute introductory KiwiSaver strategy call
A time that works for you.
Choose a time to speak directly with James about your KiwiSaver and what you would like to achieve.
Prefer James to call you? Request a callback.
Before we talk
A few things you might be wondering.
What happens during the introductory call?
Your 30-minute introductory call is a chance to talk directly with James about your KiwiSaver, your wider goals and the questions you'd most like to work through. You can ask how his advice process works and what working together would involve. Detailed personal recommendations follow a fuller assessment of your circumstances.
Do I have to change my KiwiSaver provider?
No decision is required to start a conversation. Any recommendation about a provider, product or investment approach should follow an assessment of your circumstances and objectives.
Is this relevant if I already have other investments?
Yes. Your other investments, income, objectives and future plans are all useful context. The purpose is to consider how your KiwiSaver fits within that wider picture.
How do the fees work?
James will explain the relevant advice fees and investment costs before you decide to proceed. Fees and the scope of services are agreed at engagement. You can read more in the disclosure statement.
Can I speak with James from outside Auckland?
Yes. Bespoke Wealth works with clients across New Zealand. Use the booking or callback option to arrange a conversation.
Good advice starts with you
Let's talk about the future you have in mind.
A conversation with James is a chance to put your KiwiSaver in context, ask your questions and explore what a more personal approach could mean for you.