Learn how financial advice fees work in New Zealand and what it costs to receive investment, KiwiSaver or retirement advice from Yovich & Co.
Find out what a financial adviser does and how they can help with investments, KiwiSaver, retirement planning and managing your wealth.
For many New Zealanders, property has been an effective way to build wealth, providing long-term capital growth, rental income, and the security of owning a tangible asset. While building wealth is often the priority earlier in life, retirement can shift the focus towards creating an income, maintaining flexibility, and enjoying the lifestyle that wealth makes possible.
Earning more should feel liberating, but it often brings complexity. Multiple income streams, rising expenses, and shifting priorities can leave even high earners unsure if their money is truly working for them.
We often meet high earners who feel financially vulnerable despite their salary. The reality is: a large income does not guarantee financial security. Why?
One of the most powerful financial decisions anyone can make is to take control of their money, not just in terms of numbers on a spreadsheet, but in the way money impacts day-to-day life, emotional wellbeing, and long-term security.
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We believe that investing doesn’t have to be complicated. We use a clear six-step process to help you stay on track with your financial goals and build wealth with confidence. Whether you're new to investing or looking to review your current strategy, this approach supports informed decision-making and long-term financial stability.
Over the past few years, we have developed our own Risk Profiler to help clients make informed investment decisions. Now, we are making this tool available to everyone. Unlike many risk-profiling tools designed primarily for regulatory compliance, ours is built on practical experience and a deep understanding of investor behavior, both of which are essential in managing personalised portfolios.
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Mid-cap stocks offer a unique balance between growth potential and stability, making them an attractive option during both market downturns and recoveries. Their agility and room for expansion allow them to recover faster than large caps while being more resilient than small caps in volatile markets.
Bonds can help provide income and stability within a diversified portfolio, while also reducing reliance on growth assets like shares. Although generally lower risk than shares, bond values can still move with changes in interest rates, inflation, credit quality, and market demand.
The Reserve Bank of New Zealand is exploring whether digital cash could sit alongside notes, coins, and bank account money in the future. The consultation gives New Zealanders a chance to share their views on how digital cash could work, what benefits it may bring, and what risks need to be considered.
Wealth
