We provide simple, effective services that leave our clients with more time to do what they do best.
Let us be your go-to for all things business, investments and property. Take a look at our helpful podcasts, webinars, articles, guides and more.
KiwiSaver is one of the most important tools for your retirement, yet many people remain in the wrong fund for years. We provide clear advice to help ensure your fund, fees, and risk level are right for you – now and over the long term.
How we work with you
We work across a wide range of KiwiSaver providers, including active, passive, socially responsible, and bespoke options. With 25 providers and over 300 fund choices available, we help you cut through the noise and select a fund that suits you.
We ensure your KiwiSaver aligns with your risk tolerance, timeframe, contribution level, and personal values – so you can be confident your savings are performing appropriately for your retirement goals.
You don’t pay us a fee for KiwiSaver advice. The provider pays the adviser, allowing you to receive professional guidance without additional cost.
It takes just one 45-minute meeting to receive a clear KiwiSaver recommendation. From there, we provide ongoing advice as markets change, new providers emerge, and your circumstances evolve.
Our investment advice is designed for people who want clarity and confidence in how their money is working for them — not speculation or sales-driven recommendations. Working with an independent adviser means more than just selecting investments. It’s about staying focused, disciplined, and aligned with your long-term goals through changing market conditions.
KiwiSaver provider performance varies widely. Clients work with us to ensure they’re in a high-performing, appropriate fund, rather than relying on defaults or outdated assumptions.
Markets change, providers change, and life circumstances change. We help clients stay in the right fund as their risk profile and goals evolve, with ongoing reviews included.
Clients value understanding how much they actually need to contribute to retire comfortably, and how KiwiSaver fits into their broader retirement plan.
Advice is personalised, efficient, and typically delivered in a single 45-minute meeting. Clients don’t pay a fee (the provider pays us) making professional KiwiSaver advice accessible and ongoing.
Our investment advice is designed for people who want clarity and confidence in how their money is working for them — not speculation or sales-driven recommendations. Working with an independent adviser means more than just selecting investments. It’s about staying focused, disciplined, and aligned with your long-term goals through changing market conditions.
KiwiSaver provider performance varies widely. Clients work with us to ensure they’re in a high-performing, appropriate fund, rather than relying on defaults or outdated assumptions.
Markets change, providers change, and life circumstances change. We help clients stay in the right fund as their risk profile and goals evolve, with ongoing reviews included.
Clients value understanding how much they actually need to contribute to retire comfortably, and how KiwiSaver fits into their broader retirement plan.
Advice is personalised, efficient, and typically delivered in a single 45-minute meeting. Clients don’t pay a fee (the provider pays us) making professional KiwiSaver advice accessible and ongoing.
On the surface, many KiwiSaver providers can look similar. However, differences in fees, investment approach, and long-term performance can lead to very different retirement outcomes.
Best-performing Growth Provider:
11.5% p.a. average over five years → $3 million at age 65
Worst-performing Growth Provider:
11.5% p.a. average over five years → 1.7 million at age 65
The Difference:
Same investment → $1.3 million more in retirement savings
Disclaimer:
This illustration assumes a 20-year-old earning an average of $100,000 over their working life, with returns shown after fees, tax (28%), and a 2% inflation assumption. Past performance is not a guarantee of future returns. Important Note: While the projections have used a five-year return assumption, historical performance is not a guarantee for future performance.
Have a question? You’ll find answers to some of the most common things our clients ask us. If you need more detail, we’re always happy to chat.
It depends on your risk tolerance, goals, and timeframe. Your Financial Adviser will work with you to determine the most appropriate risk profile for your situation.
It might be – but it’s worth checking. There is no cost to meet with a Financial Adviser. You’ll either discover there is a better option available or gain peace of mind knowing you’ve made the right decision.
You’ll meet with your Adviser and receive a Statement of Advice. If you’re happy to proceed, your Adviser will help you switch providers. It usually takes around two weeks for your KiwiSaver to be fully invested with the new provider.
We offer a financial review once a year, but we’re also here to support you as your circumstances change. Whether you’re buying your first home, adjusting your goals or risk profile, or getting closer to retirement, we’re here to help and advise.
KiwiSaver advice focuses specifically on your KiwiSaver, but we also offer full financial planning services. You can find out more information here.
From day one, our focus has been on helping Kiwis feel confident about their money — and with 200+ five-star reviews, we’re proud to be doing just that.
"We recently needed to remortgage our rental portfolio and chose to work with the team at Lighthouse Financial Services. It turned out to be a fantastic decision! From the very start, they were professional, supportive, and made the entire process so much easier for us."
"We recently needed to remortgage our rental portfolio and chose to work with the team at Lighthouse Financial Services. It turned out to be a fantastic decision! From the very start, they were professional, supportive, and made the entire process so much easier for us."
"We could not recommend the team more highly. Navigating the process of purchasing a first home is filled with questions and unknowns so having support from these two was fantastic. They were responsive, clear, approachable, worked to understand what we needed and had it all covered."
"We could not recommend the team more highly. Navigating the process of purchasing a first home is filled with questions and unknowns so having support from these two was fantastic. They were responsive, clear, approachable, worked to understand what we needed and had it all covered."
"Lighthouse were very quick and easy to work with. The staff had great communication and processed my tax return within a few days. I recommend their service."
"Lighthouse were very quick and easy to work with. The staff had great communication and processed my tax return within a few days. I recommend their service."
"I've been working with James from Lighthouse for the last 2 years. James has been working with me to help me define and maintain my financial goals and manage my investments. James is extremely easy to deal with and explains things in a very simple and easy to understand way. "
"I've been working with James from Lighthouse for the last 2 years. James has been working with me to help me define and maintain my financial goals and manage my investments. James is extremely easy to deal with and explains things in a very simple and easy to understand way. "
"Great experience working with Jess and the Lighthouse team. Jess was extremely diligent and had continued great communication throughout. We feel extremely confident moving forward with Jess guiding us through our financial goals."
"Great experience working with Jess and the Lighthouse team. Jess was extremely diligent and had continued great communication throughout. We feel extremely confident moving forward with Jess guiding us through our financial goals."
"We have just brought our 2nd investment property with the help of Vinny & Laura. Their communication is clear, concise and timely and they’re so easy to work with. I look forward to building our property portfolio with them alongside us."
"We have just brought our 2nd investment property with the help of Vinny & Laura. Their communication is clear, concise and timely and they’re so easy to work with. I look forward to building our property portfolio with them alongside us."
"Lighthouse financial were super awesome in helping our family buy our first home. Laura and Vinny were always prompt and professional with their support. Highly recommend lighthouse and more specifically Laura and Vinny for all your mortgage related needs."
"Lighthouse financial were super awesome in helping our family buy our first home. Laura and Vinny were always prompt and professional with their support. Highly recommend lighthouse and more specifically Laura and Vinny for all your mortgage related needs."
"I’ve had an excellent experience with James and the team at Lighthouse. Their financial advisory services have improved my financial literacy through one-on-one meetings, webinars, and podcasts."
"I’ve had an excellent experience with James and the team at Lighthouse. Their financial advisory services have improved my financial literacy through one-on-one meetings, webinars, and podcasts."
"I would encourage anyone looking to sort your financial planning and investing to check these guys out , and also the mortgage brokers team who bent over backwards for my situation to get me across the line! They keep you in the loop of the progress and suggest options along the way to take advantage of any situation presented. "
"I would encourage anyone looking to sort your financial planning and investing to check these guys out , and also the mortgage brokers team who bent over backwards for my situation to get me across the line! They keep you in the loop of the progress and suggest options along the way to take advantage of any situation presented. "
"They guided me in securing health, life, and income insurance, and helped me get my Will sorted. I really appreciate their expertise and genuine commitment to their clients. I highly recommend their services - I even referred my dad to them."
"They guided me in securing health, life, and income insurance, and helped me get my Will sorted. I really appreciate their expertise and genuine commitment to their clients. I highly recommend their services - I even referred my dad to them."
Simply fill out your details below, and we’ll be in touch. From there, you can expect:
1. A Lighthouse team member will reach out to see which of our Mortgage, Property, Wealth, or Accounting services best suits your needs.
2. You’ll be matched with a specialist who best understands your situation.
3. With their guidance, you’ll take the next steps toward securing the right financial solution for you.
