Advisory Window

Same age. Same $50 a week. Different fund choices.

Your KiwiSaver choice isn't necessarily a “set and forget” decision. As your age, circumstances, and retirement goals change, it can be worth checking whether your current fund choice still aligns with your situation.

When was the last time you reviewed yours?

Not sure which fund you're actually in?
We'll check for free.

📞 Nish Herath 0800 374 722 or 022 407 9343

Illustrative example based on standard growth modelling assumptions, not a guaranteed outcome.

Big life moments change a lot of things. Your KiwiSaver shouldn't be the one thing nobody remembers to update.

Swipe through five common triggers — if one applies to you, it might be time for a check-in. 👉

Call us on 0800 374 772 or 022 407 9343 to book your free 15-minute session.
No jargon | No obligation | Just clarity.

Not just the balance — the fund type, the fees, and whether it still matches your goals. A quick review with Nish takes 15 minutes and could change how much you retire with.

🥲 Can't remember when?

Call us on 0800 374 772 or 022 407 9343 to book your free 15-minute session.
No jargon | No obligation | Just clarity.

When was the last time you actually reviewed yours — not just glanced at the balance?

Not just the balance — the fund type, the fees, and whether it still matches your goals. A quick review with Nish takes 15 minutes and could change how much you retire with.

Call us on 0800 374 772 or 022 407 9343 to book your free 15-minute session.
No jargon | No obligation | Just clarity.

Your income may help support your mortgage, household expenses, family commitments and everyday lifestyle.

Depending on the circumstances, personal insurance such as income protection may provide financial support if you are unable to work, subject to the policy terms.

The type and level of cover that may be appropriate can vary significantly between individuals.

The important question isn't simply “Do I have insurance?” — it's whether your current protection remains appropriate for your circumstances.

𝐆𝐞𝐧𝐞𝐫𝐚𝐥 𝐢𝐧𝐟𝐨𝐫𝐦𝐚𝐭𝐢𝐨𝐧 𝐨𝐧𝐥𝐲. 𝐓𝐡𝐢𝐬 𝐢𝐧𝐟𝐨𝐫𝐦𝐚𝐭𝐢𝐨𝐧 𝐝𝐨𝐞𝐬 𝐧𝐨𝐭 𝐭𝐚𝐤𝐞 𝐢𝐧𝐭𝐨 𝐚𝐜𝐜𝐨𝐮𝐧𝐭 𝐲𝐨𝐮𝐫 𝐢𝐧𝐝𝐢𝐯𝐢𝐝𝐮𝐚𝐥 𝐜𝐢𝐫𝐜𝐮𝐦𝐬𝐭𝐚𝐧𝐜𝐞𝐬, 𝐟𝐢𝐧𝐚𝐧𝐜𝐢𝐚𝐥 𝐬𝐢𝐭𝐮𝐚𝐭𝐢𝐨𝐧 𝐨𝐫 𝐠𝐨𝐚𝐥𝐬 𝐚𝐧𝐝 𝐢𝐬 𝐧𝐨𝐭 𝐩𝐞𝐫𝐬𝐨𝐧𝐚𝐥𝐢𝐬𝐞𝐝 𝐟𝐢𝐧𝐚𝐧𝐜𝐢𝐚𝐥 𝐚𝐝𝐯𝐢𝐜𝐞.

A mortgage review can be an opportunity to step back and look at your overall lending position.

Depending on your circumstances, this may include considering:

✅ Current interest rates
✅ Loan structure
✅ Repayment arrangements
✅ Fixed-rate expiry dates
✅ Changes in your circumstances
✅ Future financial goals

A review doesn't necessarily mean changing lenders or restructuring your loan.

Sometimes the most valuable outcome is simply knowing where you stand.

If you'd like to discuss your circumstances, Advisory Window can help you understand your available options.

When looking at a home loan, the interest rate is only one part of the picture.

Loan structure, repayment arrangements, flexibility and other terms can also be important.

The most suitable structure can depend on your individual circumstances, financial position and goals.

Don't just compare the headline rate. Understand the loan.



𝐆𝐞𝐧𝐞𝐫𝐚𝐥 𝐢𝐧𝐟𝐨𝐫𝐦𝐚𝐭𝐢𝐨𝐧 𝐨𝐧𝐥𝐲. 𝐓𝐡𝐢𝐬 𝐢𝐧𝐟𝐨𝐫𝐦𝐚𝐭𝐢𝐨𝐧 𝐝𝐨𝐞𝐬 𝐧𝐨𝐭 𝐭𝐚𝐤𝐞 𝐢𝐧𝐭𝐨 𝐚𝐜𝐜𝐨𝐮𝐧𝐭 𝐲𝐨𝐮𝐫 𝐢𝐧𝐝𝐢𝐯𝐢𝐝𝐮𝐚𝐥 𝐜𝐢𝐫𝐜𝐮𝐦𝐬𝐭𝐚𝐧𝐜𝐞𝐬, 𝐟𝐢𝐧𝐚𝐧𝐜𝐢𝐚𝐥 𝐬𝐢𝐭𝐮𝐚𝐭𝐢𝐨𝐧 𝐨𝐫 𝐠𝐨𝐚𝐥𝐬 𝐚𝐧𝐝 𝐢𝐬 𝐧𝐨𝐭 𝐩𝐞𝐫𝐬𝐨𝐧𝐚𝐥𝐢𝐬𝐞𝐝 𝐟𝐢𝐧𝐚𝐧𝐜𝐢𝐚𝐥 𝐚𝐝𝐯𝐢𝐜𝐞.