Fees
All new prospective clients are welcome to a free initial meeting. This provides us with an opportunity to understand your situation, you can ask any questions and together we can determine if there is a good fit for our services.
If, after this meeting, you would like to engage The Retirement Guys to provide financial planning or investment advice, we will provide you with a clear scope of services and confirm the fees before you commit.
Our initial fees vary depending on the time and complexity of the work involved, but will be in the region of $500–$1,500 + GST.
If after the initial engagement, you choose to work with us on an ongoing basis, we charge an advice fee based on funds under management.
- This starts at 1% p.a., with lower rates for larger portfolios.
- Fixed-fee arrangements are also available if you prefer.
We do not receive commissions or brokerage from product providers.
If any commission, brokerage, or rebates do become payable, we will fully pass these back to you.
Ongoing services provided as part of the advice based fee
Disclosure
Who we are
The Professional Advice Network (FSP1009734) trading as The Retirement Guys and Pacific Wealth (NZ) holds a license issued by the Financial Markets Authority (FMA) to provide financial advice.
Nature and scope of advice
We provide independent financial planning and investment advice tailored to each client’s unique circumstances, goals, and values.
Our Duties
We have duties under the Financial Markets Conduct Act 2013. This means we must:
- Give priority to your interests by ensuring our advice is not materially influenced by our own interests.
- Exercise care, diligence, and skill in providing you with advice.
- Meet the competence, knowledge, and skill standards set by the Code of Professional Conduct for Financial Advice Services.
- Meet the ethical behaviour, conduct, and client care standards set by the same Code.
To ensure your interests always come first:
- We follow a consistent advice process focused on your goals and situation.
- All advisers complete annual training on managing conflicts of interest.
- We undergo annual compliance audits and programme reviews.
You can read the Code of Professional Conduct here:
https://www.fma.govt.nz/assets/assets/code-of-professional-conduct-for-financial-advice-services.pdf
More information about our duties is available from the Financial Markets Authority:
Privacy Policy
We respect your privacy and are committed to protecting your personal information.
This policy outlines how we collect, store, use, and share your information in line with the New Zealand Privacy Act 2020 (including the Privacy Amendment Act 2025).
Collection of Information
We collect personal information to provide financial advice and related services, comply with legal and regulatory obligations, and maintain appropriate client records.
We may collect personal information:
- directly from you
- from authorised representatives acting on your behalf
- from third parties relevant to providing our services
- from publicly available sources where permitted by law
Third parties may include:
- investment platforms and custodians
- KiwiSaver providers and fund managers
- banks and financial institutions
- insurers
- accountants and lawyers
- employers
- government agencies;
- identity verification and AML/CFT providers
- overseas advisers or financial institutions
- and family members or trusted contacts authorised by you
The information we collect may include:
- identification and contact information
- financial and investment information
- tax residency and citizenship details
- employment and income information
- insurance information
- trust and estate planning information
- and other information relevant to providing financial advice and related services
Purpose of Collection
We collect, hold, and use personal information for purposes including:
- providing financial advice and related services
- preparing financial plans and investment recommendations
- implementing and administering investments and financial products
- verifying identity and complying with AML/CFT requirements
- communicating with clients and authorised representatives
- protecting against fraud, cyber threats, and unauthorised activity
- complying with legal and regulatory obligations
Indirect Collection of Information
In some circumstances, we may collect personal information indirectly from third parties. Where required under the Privacy Act 2020, we will take reasonable steps to ensure you are aware:
- that information has been collected
- the purpose of collection
- who may receive the information
- your rights to access and correct the information
Disclosure of Information
We do not sell personal information.
We may disclose personal information where necessary to provide our services, comply with legal obligations, or where authorised by you. This may include disclosure to:
- custodians and investment platforms
- fund managers and product providers
- banks and financial institutions
- insurers
- accountants and lawyers
- government and regulatory agencies
- compliance and AML/CFT providers
- technology and cloud service providers
- Professional advisers assisting us in providing services
Overseas Disclosure and Cloud Services
Some service providers we use may store or process information outside New Zealand, including in Australia, the United States, and other jurisdictions.
Where information is disclosed overseas, we take reasonable steps to ensure providers maintain appropriate privacy and security safeguards consistent with New Zealand privacy law.
Technology and AI-Assisted Services
We may use secure technology providers, including cloud-based software and technology-assisted tools, to support administration, document management, meeting notes, communications, compliance, and service delivery.
These providers are contractually required to maintain appropriate confidentiality and security protections.
Website Analytics and Cookies
Our website may use cookies, analytics tools, and similar technologies to improve website performance and user experience.
These tools may collect information such as browser type, device information, IP address, and pages visited. You may disable cookies through your browser settings, although this may affect website functionality.
Security of Information
We take reasonable steps to protect personal information from loss, misuse, unauthorised access, disclosure, alteration, or destruction.
We use a range of security safeguards including:
- secure cloud platforms;
- encrypted systems where appropriate
- password protection and access controls
- multi-factor authentication
- cybersecurity monitoring
- secure backup processes
- staff training on privacy and cybersecurity obligations.
Retention of Information
We retain personal information only for as long as necessary to fulfil the purposes for which it was collected, or as required by law.
Certain financial advice, AML/CFT, and regulatory records must be retained for minimum legal periods under New Zealand law.
Access and Correction
You may request access to the personal information we hold about you and request correction of that information where appropriate.
Requests can be made by contacting us using the details provided on our website.
Privacy Breaches
If a privacy breach occurs that is likely to cause serious harm, we will investigate the incident promptly and notify affected individuals and the Office of the Privacy Commissioner where required under the Privacy Act 2020.
Changes to this Privacy Policy
We may update this Privacy Policy from time to time to reflect changes in legal requirements, technology, or our business practices. The latest version will always be available on our website.
Complaints Process
Internal Process
If you have a concern about our advice or service:
- Contact us in writing, by phone, or by email:
Complaints Officer
The Retirement Guys
Suite 8, 235 High Street, Christchurch 8011
📞 027 649 1907
- We will acknowledge your complaint, may request more information, and aim to resolve it within 10 working days. If more time is needed, we’ll let you know.
External Dispute Resolution
If we cannot resolve your complaint, you can contact Financial Services Complaints Limited—a free and independent service:
Financial Services Complaints Limited
📍 Level 4, Sybase House, 101 Lambton Quay, Wellington 6011
📞 0800 347 257 (NZ) | +64 4 472 3725 (overseas)
Ready to Start?
Whether retirement is just around the corner or still years away, now is the best time to start planning.
Let’s talk about how you can prepare, plan smart, and enjoy the retirement you want.