How we are remunerated

At Compound Wealth, the first step is always a short, obligation-free phone call. This is simply a chance for us to understand what you are looking for and to see whether we are the right fit to work together.

If we both want to move forward, we will outline the advice process, the work involved, and any fees before anything begins. There are no surprises. Everything is agreed upfront.

Our fees generally fall into two areas:

1. Strategy and analysis
This includes the work that goes into building your retirement plan, cashflow modelling, and any written advice or recommendations.

2. Ongoing advice and portfolio management
For clients who want long-term support, we charge an ongoing fee for monitoring, reviewing, and managing investments over time.

We also do not accept any referral commissions. If we recommend an accountant, solicitor, or specialist, it is because we believe they are a good fit for you, not because we are being paid to.

We provide independent KiwiSaver advice and have the expertise to help clients navigate the entire KiwiSaver market. Our ability to advise on any KiwiSaver solution means we can tailor recommendations to align with your financial goals, risk tolerance, and investment preferences.

For clients seeking greater diversification and control, we can also structure portfolios using multiple investment managers or direct securities via KiwiWRAP, an open-architecture KiwiSaver platform that provides access to a wide range of investment options.

We have established agreements with the following KiwiSaver schemes, which compensate 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 KiwiSaver advice—this service is complimentary and comes with no obligation. If you decide to implement our KiwiSaver advice, we are remunerated by the KiwiSaver provider through an ongoing percentage-based fee. This is fully disclosed in the written advice. You therefore receive a no-obligation KiwiSaver comparison / recommendation at no cost.

Regardless of the provider, our advice is always in your best interest, and all fees will be fully disclosed upfront, no surprises.

We use the Consilium WRAP and Booster WRAP custodial platforms to monitor and manage investments, providing our clients with access to a broad range of investment products, including managed funds, shares, bonds, ETFs, listed and unlisted property, infrastructure, private equity, venture capital, and alternative investments such as commodities and hedge funds.

• Written investment advice: Starts at $1,000 (inclusive of GST) and includes implementation.

• Ongoing Fees (Funds Under Management): Sliding scale up to 1.15% p.a. (inclusive of GST) for smaller engagements, reducing to 0.25% for larger sums. Ongoing fees are charged monthly and deducted from funds unless arranged otherwise.

All fees are disclosed in our written advice.

We provide an initial consultation and a complimentary personalised Statement of Advice recommending a suitable New Zealand QROPS scheme and investment strategy, typically through the I-Select & Booster Qualifying Recognised Overseas Pension Scheme (QROPS).

We also arrange for an independent UK Pension Report to provide a comprehensive overview of all relevant factors, helping you make an informed decision about transferring your UK pension.

We do not charge an upfront fee. Instead, we charge an ongoing fee based on the funds under management (FUM) of your transferred pension. This is a percentage-based fee, applied on a sliding scale — up to 1.15% p.a. (inclusive of GST).

This fee covers our advice, portfolio monitoring, and the ongoing management of your transferred UK pension funds. Ongoing services include managing the initial investment, monitoring currency movements, portfolio reviews, facilitating drawdowns, and ensuring compliance with evolving QROPS regulations. Fees are deducted from your investment monthly unless otherwise arranged.

We provide professional insurance advice and work with a range of New Zealand based life and health insurance companies. These providers may pay Compound Wealth an upfront commission and/or ongoing commission for placing insurance policies on your behalf.

Upfront commissions can be up to 240% of the first year’s premiums, and ongoing commissions can be up to 35% per annum of the annual premium.

Insurance commission received by Compound Wealth will be disclosed in your personalised written advice.

You will be required to pay a premium (regular fee) directly to the insurer to establish and maintain your cover. The cost will depend on a number of factors, including the level and type of cover, the duration of cover, and any excesses that apply.

We’ll provide you with a full breakdown of costs and recommendations once we’ve assessed your needs and goals.

An insurance report fee may apply and is confirmed prior to any work being commenced. This is charged on a time and attendance basis.

We provide comprehensive retirement planning to help you achieve financial security in retirement. Our service includes:

•       A personalised retirement income strategy tailored to your goals.

•       Cash flow modelling to project future income and expenses.

•       Investment recommendations aligned with your retirement needs.

The fee for a retirement plan starts at $1,500 (inclusive of GST) and covers plan development, recommendations, and implementation support.

We charge ongoing fees for any investments that we manage, following the same schedule as mentioned in the investment section above.

All fees are disclosed in our written advice.

• $250 + GST per hour for unstructured financial planning or additional clarity meetings.

• Transactional services will be agreed upon beforehand but may be adjusted for complexity.

We choose our providers based on what we believe is best for our clients, and we are not bound by any commercial relationships or contractual arrangements that could create conflicts of interest. This ensures that our financial advisory services remain impartial and objective.

We do not maintain a trust account or handle client funds. Due to the nature of the investment providers we work with, we cannot access client funds for any reason. All payments are made directly to the service provider. We do not accept any hard monies for investments.

Compound Wealth is 100% owned by Adam Stewart.