How we are remunerated

At Compound Wealth, we work with clients making significant investment and retirement decisions who value structured planning and an ongoing advisory relationship.

The first step is an initial conversation, held via phone, video call, or in person. This allows us to understand your circumstances and objectives and to confirm whether we are the right fit to work together.

If we both decide to proceed, we will clearly outline the advice process, the scope of work involved, and all applicable fees before any advice is provided. Everything is agreed upfront.

All advice is delivered through clearly defined service packages, designed to reflect the complexity of each client’s situation and the depth of planning required.

Depending on your needs, this may range from advice-led KiwiSaver and personal investment setup through to comprehensive investment and retirement planning, or advanced private wealth stewardship for more complex circumstances.

Across these engagements, advice may include:

• Portfolio construction across KiwiSaver and non-KiwiSaver investments

• Asset allocation, diversification, and risk management

• Investment structure and implementation via custodial platforms

• Documentation outlining strategy, rationale, and agreed recommendations

For clients requiring deeper strategic advice, structured planning engagements also include:

• Cash-flow modelling and long-term projections

• Retirement planning and scenario testing

• Tax and investment structure considerations

• Ongoing portfolio oversight and governance

Fees for structured advice and planning are determined by the selected service package and scope of work, and are fully disclosed and agreed prior to implementation.

Ongoing Advice & Portfolio Oversight

Following implementation, clients engage us on an ongoing basis to oversee, manage, and adapt their investment strategy as markets, legislation, and personal circumstances evolve.

Ongoing advice fees are charged as a percentage of funds under advice, on a sliding scale starting at up to 1.15% per annum (inclusive of GST) for smaller balances and reducing progressively for larger portfolios, toward 0.25% per annum.

Fees are charged monthly and deducted from the investment portfolio unless otherwise agreed. All ongoing fees are fully disclosed in your written advice prior to implementation.

We provide independent KiwiSaver advice and have the capability to advise across the full KiwiSaver market.

Our recommendations are tailored to your goals, risk tolerance, and time horizon. For clients seeking greater diversification and control, we can also structure KiwiSaver portfolios using multiple investment managers or direct securities through KiwiWRAP, an open-architecture KiwiSaver platform.

We have established agreements with the following KiwiSaver schemes, which may remunerate us for providing financial advice:

• Milford KiwiSaver Plan

• Generate KiwiSaver Scheme

• Booster KiwiSaver Scheme

• ANZ KiwiSaver Scheme

• Pathfinder KiwiSaver Scheme

• AMP KiwiSaver Scheme

• KiwiWRAP KiwiSaver Scheme

• Kernel KiwiSaver Scheme

• Koura KiwiSaver Scheme

• GoalsGetter KiwiSaver Scheme

We do not charge an upfront fee for standalone KiwiSaver advice. If you choose to implement our recommendation, we may be remunerated by the KiwiSaver provider via an ongoing percentage-based fee. This is fully disclosed in your written advice.

For many clients, KiwiSaver advice is the starting point of a broader investment and retirement planning relationship.

We provide advice on transferring UK pensions to New Zealand, including a complimentary initial consultation and a personalised Statement of Advice recommending an appropriate New Zealand QROPS structure and investment strategy. This is typically implemented through the I-Select and Booster Qualifying Recognised Overseas Pension Scheme (QROPS).

To ensure the transfer process is handled correctly and efficiently, we work alongside a specialist UK pension consultancy that has completed over 4,000 successful UK pension transfers. This specialist focuses on the technical aspects of UK pension transfers, including documentation, scheme requirements, and transfer execution.

Our role is to provide the New Zealand-based investment advice and ongoing portfolio management once the funds are transferred.

We do not charge an upfront advice fee for UK pension transfers. Instead, we charge an ongoing fee based on the funds under management of the transferred pension, applied on a sliding scale up to 1.15% per annum (inclusive of GST).

This fee covers portfolio implementation, monitoring, currency considerations, portfolio reviews, facilitation of drawdowns, and ongoing compliance with QROPS requirements. Fees are deducted monthly unless otherwise arranged.

We provide professional life and health insurance advice and work with a range of New Zealand-based insurers.

Insurance providers may pay Compound Wealth an upfront and/or ongoing commission for placing insurance policies. Upfront commissions can be up to 240% of the first year’s premium, and ongoing commissions can be up to 35% per annum of the annual premium.

Any commission received by Compound Wealth is fully disclosed in your personalised written advice.

Insurance premiums are paid directly to the insurer and depend on the level and type of cover, duration, and any applicable excesses. An insurance advice fee may apply and will be confirmed prior to any work being undertaken.

• Where advice falls outside a structured investment and retirement planning engagement, or where additional meetings are requested, fees are charged at:

  $575 + GST per hour

  Transactional services are agreed in advance and may be adjusted based on complexity.

We do not accept referral commissions. If we recommend an accountant, solicitor, or other specialist, it is because we believe they are a good fit for your circumstances, not because we receive any form of payment.

We do not operate a trust account or handle client funds. All investments are held via third-party custodial platforms, and all payments are made directly to the relevant service provider.

Compound Wealth is 100% owned by Adam Stewart.

Our advice is best suited to clients who are making meaningful long-term investment or retirement decisions and value a structured, ongoing advisory relationship.

If you are seeking quick opinions, one-off advice, or transactional recommendations, we may not be the right fit.