Helping New Zealanders take control of their financial future, starting with KiwiSaver.
Clear, simple financial advice designed to help you reach your goals. From KiwiSaver to long-term financial planning, we provide expert guidance to help grow your money faster.
Is Your KiwiSaver Helping You Build the Future You Want?
Your KiwiSaver is more than a savings account — it’s one of the most powerful tools you have for building your future. Whether you want to buy your first home, create long‑term financial security, or the retirement of your dreams, the right KiwiSaver strategy will make a meaningful difference.
Many New Zealanders are sleepwalking towards retirement in the wrong KiwiSaver fund - and many don’t have KiwiSaver set up at all! The good news is that small changes made today, or simply getting started, will make the difference between a comfortable retirement… or needing to keep working for longer than you ever planned.
At The Holistic Money Co., we provide KiwiSaver guidance shaped around you — your goals, your stage of life, and the future you want to create. We’re not tied to any particular KiwiSaver provider; we offer independent advice solely focused on identifying the fund that will serve you best.
How We Help
100% free KiwiSaver review with guidance tailored to your goals
Independent, unbiased advice focused on what’s best for you
Ongoing support and yearly check-ins to keep you on track to achieve your goals
Clear, easy-to-understand recommendations
A simple, stress-free process
We’re here to help you transform your financial future - making sure your KiwiSaver is working as hard as you are.
Book your free consultation today and step toward a stronger financial future.
Why Should I Speak with a Financial Advisor About KiwiSaver?
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Some people make financial decisions based on advice from their best friend, a relative, work colleagues, or even their mechanic. These people mean well — but good intentions aren’t the same as good advice. What worked for someone else might be completely wrong for you, your goals, your risk profile, and your future.
A qualified financial adviser provides independent, expert advice, specifically tailored to you and your circumstances.
Advisers are trained, regulated, and legally required to put your interests first. They build a plan based on evidence and your long‑term wellbeing.
Your financial future is too important to leave to chance. When the stakes are this high, you need more than someone else’s opinion — you deserve proper advice.
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By opening a KiwiSaver account, and making even the minimum investment, you will receive the Government contribution. Too many New Zealanders are missing out on FREE money - call us today so we can get you set up.
If you’re already in KiwiSaver, we’ll check to see that you’re receiving the maximum amount from your employer, and help you target increased returns to grow your KiwiSaver balance faster.
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Small financial choices today can have a big impact on your future wealth.
Choosing the right KiwiSaver fund is about capturing long‑term growth you might otherwise miss. The right fund selection can help you achieve stronger returns, benefit from compounding, and stay aligned with your risk tolerance and goals.
We’ll work together to identify a KiwiSaver fund that matches your investment time horizon, helps you diversify effectively, and positions your money to work harder over the long term.
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Know exactly what steps to take without confusion or guesswork.
Financial confidence comes from knowing your money is in the right place. This means your financial plan isn’t impacted by emotional decision-making or reactions to headlines.
With guidance from an independent adviser, you’ll develop a clear plan, with investment choices that match your goals and tolerance for risk.
Our consistent, ongoing support will help you stay on track, make informed adjustments, and feel confident about the future you’re building.
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Advice for the life you’re living - Financial advice should fit the reality of your day‑to‑day life — your goals, your pressures, your opportunities, and the decisions you’re making right now. At the Holistic Money Co. we provide clarity and structure so you can make informed choices about saving, investing, and planning for the future, without second‑guessing whether you’re doing the right thing. It’s practical, relevant guidance that supports the life you’re living today.
Advice for the whole of your life - Great advice goes further. We help you build a financial path that supports every stage of your life — from early career decisions, to buying a house, planning for retirement and everything in between. With smart fund selection and ongoing guidance, you stay focused on your goals and maximize your potential returns over decades. Our advice is designed to grow with you, and set you up for lifelong financial success.
Trust Statement
As an FMA-Licensed Financial Advice Provider, we deliver independent, transparent guidance focused on your goals. Our objective, client-first approach puts your financial wellbeing at the heart of every recommendation.
Services We Offer
Money touches every part of life.
At The Holistic Money Co. we focus on the areas that matter most to your long‑term wellbeing.
KiwiSaver
Personalised KiwiSaver advice to help you achieve your first home and retirement goals.
Investment
Investment guidance shaped around your goals and your risk tolerance, helping you make well‑informed decisions.
Financial Planning
Build a roadmap for your financial future: clear, organized, and designed to set you up for long‑term success.
Retirement Planning
Create a retirement plan that supports you confidently transition into the lifestyle you want after work.
Become Money Wise
Financial empowerment programmes designed for workplaces, community groups, and schools.
Our Commitment to You
You deserve advice that’s honest, clear, and genuinely in your best interests.
We follow the Financial Markets Conduct Act 2013 and the Code of Professional Conduct for Financial Advice Services, which means that we:
Put your interests first - always!
Act with care, diligence, and skill
Communicate in a way that’s easy to understand
Provide advice that’s suitable for your personal circumstances
Be open about any potential conflict of interest
Treat you fairly, with courtesy and respect
You can read the full Code at: www.fma.govt.nz
How We Get Paid
We’re upfront and transparent about our pricing.
FREE KiwiSaver reviews and fund selection advice
FREE initial financial planning consultation
Ongoing financial advice charged at an hourly rate
Financial coaching offered as an annual package deal (with options to pay weekly, fortnightly or monthly as suits you).
Any fees relating to specific financial products will be clearly explained, and agreed with you in advance - no hidden costs, no surprises.
All fees are clearly outlined in your Scope of Service and Statement of Advice.
What Our Clients Say:
We’re based in Christchurch but work with clients all over New Zealand. Meet in person or connect online at a time that suits you.
Frequently Asked Questions
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Our advice process is designed to be simple and transparent. Our KiwiSaver reviews and guidance about fund selection is 100% FREE. Your ongoing, personalised support and annual reviews are often covered by the fund providers management fees.
Any fees for additional financial planning services will always be explained clearly before you proceed - no hidden costs, no surprises.
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Most initial consultations take around 30 minutes. The process is designed to be straightforward, flexible, and easy to fit around your schedule.
We understand that life is busy - our advisors are happy to meet with you outside of normal business hours, including during the weekend, if that works best for you.
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Your KiwiSaver can play a major role in helping you buy your first home and prepare for a comfortable retirement. Small improvements made today can make a significant difference to your long-term financial future.
Schedule a free call today so we can get your on track to achieve your goals.
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Not at all. Whether you’re just getting started, putting in the minimum amount, or you’ve been saving and growing your money for years, our advice is always tailored to your individual circumstances and goals.
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Yes, appointments can be arranged online or in person, depending on what works best for you.
We’re happy to work around your schedule and will arrange meetings outside of normal business hours and during weekends if that’s what suits you.
A free chat about KiwiSaver today could add hundreds of thousands to your future.
Keen to discuss further?
The Holistic Money Co. is committed to providing clear, honest, and transparent financial advice.
We follow the standards required under the Financial Markets Conduct Act (FMCA) 2013 and the Code of Professional Conduct for Financial Advice Services (the Code). Financial Advice Providers (FAPs) and financial advisers must act in their clients' best interests. We are legally required to prioritise client interests over our own, exercise care and diligence, ensure product compliance, and adhere to strict ethical and competence standards.
Licensing Information
The Holistic Money Co. Limited (The Holistic Money Co.) is a licensed Financial Advice Provider operating in New Zealand. We hold a Class 2 license issued by the Financial Markets Authority. Our registration number is: FSP1012466
You can find us on the Financial Service Providers Register: https://fsp-register.companiesoffice.govt.nz
Disclosure Information
Nature and Scope of Our Advice
Our advice services include:
KiwiSaver
Investment and managed funds
Goal-based financial planning, including retirement planning
Financial courses and coaching
For KiwiSaver advice our main providers include, but are not limited to:
Booster Investment Management
Generate KiwiSaver Scheme
GoalsGetter (Amova Asset Management NZ)
Kōura Wealth
Milford KiwiSaver Scheme
New Zealand Funds
If you are interested in a particular product offered by another provider, please let us know and we’ll be happy to provide advice accordingly.
The Holistic Money Co. does not provide insurance, taxation, estate planning or direct property investment; however we can refer you to specialists in these areas.
Statutory Obligations and Duties
The Holistic Money Co., and our financial advisors, have duties under the Financial Markets Conduct (FMC) Act 2013 and New Zealand Code of Professional Conduct for Financial Advice Services (the Code) relating to the way we provide advice.
The statutory duties outlined in Sections 431I to 431P of the FMC Act require advisers to:
Give Priority to Client Interests: If a conflict of interest arises between the client and the adviser (or those connected to the adviser), the adviser must put the client’s interests first.
Exercise Care, Diligence, and Skill: We must act with the same level of care, diligence, and skill that a prudent professional financial adviser would exercise in identical circumstances.
Ensure Client Understanding: We must take reasonable steps to ensure clients understand the nature and scope of the advice being provided, including any limitations about what we can or cannot advise on.
Meet Competence and Eligibility Standards: We must possess the required level of competence, knowledge, and skill, and meet any specific eligibility criteria (such as Continuing Professional Development) before giving advice.
Avoid Prohibited Recommendations: We must not recommend that a retail client acquire a financial product if it is offered in a way that contravenes the FMC Act or its regulations.
The Code sets out mandatory standards for anyone giving regulated financial advice to clients.
Part 1: Ethical Behaviour, Conduct, and Client Care
Treat clients fairly: Treat clients with respect, communicate clearly, and avoid taking advantage of a lack of financial knowledge.
Act with integrity: Do not mislead clients, ensure business activities support trust in the industry, and manage conflicts of interest.
Give suitable advice: Ensure the financial advice is appropriate for the client’s specific circumstances and needs.
Ensure the client understands: Present advice in a way that allows the client to make an informed decision.
Protect client information: Safeguard client privacy and personal data.
Part 2: Competence, Knowledge, and Skill
General competence: Possess a foundational understanding of the regulatory framework and financial advice concepts.
Particular competence: Meet higher knowledge requirements if designing an investment plan or providing specialized product advice.
Continuing Professional Development (CPD): Advisers must continually maintain and develop their competence, knowledge, and skills
Client Advice Process
To ensure that our financial advisers put your interests ahead of their own, we follow an advice process that ensures our recommendations are in your best interests, considering your personal circumstances, goals, investment timeframes and risk tolerance.
1. Establish the client-adviser relationship.
2. Gather client data and determine your goals and expectations.
3. Analyse and evaluate your financial position.
4. Develop and present our written advice.
5. Oversee implementation of the plan.
6. Monitor and review the plan.
We maintain a close on-going relationship, regularly reviewing progress and working together to ensure you’re on track to achieve your goals.
Handling of Client Money
The Holistic Money Co. does not act as an intermediary; we do not receive money from clients into our own bank account, and we do not operate a trust account. Client funds are directly transferred from the client to their selected investment provider.
How Compliance is Monitored
Kelly Nalder, a Director of the Holistic Money Co. will either personally review, or engage an independent person to review, all advice files for accuracy and compliance with statutory obligations.
Kelly is also the nominated Privacy Officer. She is responsible for ensuring the company complies with the Privacy Act 2020.
Fees and Commissions
The Holistic Money Co. offers free KiwiSaver reviews and guidance about fund selection.
Ongoing KiwiSaver service fees are often already covered by your provider management fees, and we are remunerated by the KiwiSaver providers. Any fees relating to specific financial products will be clearly explained to you - no hidden costs, no surprises.
Fees relating to financial planning advice will be clearly explained, and agreed with you, before advice is provided.
You may choose to pay for financial planning advice at an hourly rate. Alternatively, you may choose to pay a weekly or monthly amount to receive an ongoing financial coaching service.
If you choose to take our advice, some providers may pay The Holistic Money Co. a management fee, the amount of which will depend on your portfolio balance. Some providers may pay The Holistic Money Co. a fee rebate or trail fees on products we give financial advice on (as disclosed above).
Conflicts of Interest and Incentives
The Holistic Money Co. provides independent, unbiased advice.
We do not have any preferential terms, performance agreements or formal affiliations with any banks or financial product providers. We are not required to place any level of business with any product provider or financial organization.
We do not have any commercial relationships or contractual agreements in place that would create a conflict of interest for clients, or which would be reasonably likely to materially influence our company or our advisers in providing financial advice relating to those products.
If a conflict or potential conflict of interest arises, we are obliged to disclose this to you. Should any such conflict be identified, we will put in place appropriate measure to manage this.
Our financial advisers complete ongoing Continuing Professional Development (CPD); this training includes how to effectively manage conflict of interests.
From time to time, The Holistic Money Co. may receive small gifts from product providers that we work with. These gifts are of minimal value and do not affect our business operations e.g., items such as wine, gift hampers or invitations to events. We maintain a conflict of interests register, and document any gifts or incentives we receive.
Complaints and Dispute Resolution
If you have any issues, concerns, or are not satisfied with the service we have provided, we encourage you to contact us directly, either by emailing complaints@holisticmoney.co.nz or calling Kelly Nalder directly on 027 24 99 838. Our goal is to resolve all complaints without escalation.
The Holistic Money Co. will respond by following our internal complaints process.
We will review and acknowledge your complaint within two working days.
We will contact you by phone or email and let you know whether we can resolve the issue, and what we propose to do.
If we are unable to address your concerns immediately, we may need to contact you to get additional information.
We aim to resolve complaints within 10 working days of receiving them. If we need more time to consider your complaint, we will let you kow what action we are taking and when you can realistically expect a response.
In a situation where we are unable to resolve your complaint, or if you are not satisfied with the resolution proposed, we will refer the complaint to our external dispute resolution provider, and you are invited to do the same.
The Financial Dispute Resolution Service will work with us to help resolve any disagreements. This service will be provided at no cost to you.
You can contact the Financial Dispute Resolution Service through the following methods:
Phone: 0508 337 337
Email: enquiries@fdrs.org.nz
Address: Level 4, 142 Lambton Quay, Wellington Central, 6011
Website: https://www.fdrs.org.nz
Professional Indemnity Insurance
The Holistic Money Co. and its advisers are covered under a Professional Indemnity (PI) Insurance policy with Ando Insurance Group. As with all insurance policies, there are terms, conditions, and exclusions that may apply.
Reliability History
Neither The Holistic Money Co. nor any of it’s financial advisors have been the subject of any criminal convictions, civil proceedings or regulatory sanctions. None of our financial advisors have been adjudged bankrupt or made insolvent.
Further Information
Should you have any queries about this disclosure statement, or if you want to learn more about The Holistic Money Co., please feel free to reach out to us. For general information about financial advisors, you can visit the Financial Markets Authority website which provides extensive resources on the New Zealand investment and financial advice industry.
Disclaimer
The information and advice we provide are aimed at assisting you in your investment decision-making. While we ensure that all recommendations are in your best interests, please be aware that all investment decisions and actions are your exclusive responsibility.
We endeavor to ensure accuracy and will exercise due care in the provision of advice, however we cannot accept liability for any inaccuracies or oversights. We are not responsible for the information provided by, or the actions of other parties.
All investment decisions carry a degree of risk; we do not guarantee the repayment of your capital or promise any level of return on your investment.
Declaration
The Holistic Money Co. declares that to the best of our knowledge and belief, the information contained in this disclosure statement is true and complete, and complies with the disclosure requirements detailed in the Financial Markets Conduct (Regulated Financial Advice Disclosure) Amendment Regulations 2020.
Contact Details
Financial Advice Provider: The Holistic Money Co. Limited – FSP1012466
Director and Financial Advisor: Kelly Nalder - FSP1012614
Postal Address: 2 Ngaio Lane, Charteris Bay, RD1 Lyttelton, Christchurch 8971
Email: kelly@holisticmoney.co.nz
Phone: 027 24 99 838
Policy Review
This disclosure statement is reviewed annually and was last updated in May 2026.