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.
Collection of Information
We may collect personal information directly from you, from authorised third parties, or from public sources. This may include:
- Contact details (name, address, phone, email)
- Proof of identity (driver’s licence, passport)
- Other information relevant to the services we provide
Use of Information
We collect and use your information solely to deliver the services you have requested and to keep you informed about relevant offerings.
We will never sell your information or share it with third parties without your consent.
Storage and Security
We keep your information only as long as necessary for its purpose, unless the law requires otherwise.
Our security measures include:
- Industry-approved security and anti-virus software
- Multi-factor authentication (MFA)
- Secure data backup processes
Our systems are hosted in New Zealand and Australia, with providers who comply with GDPR.
When sharing data with third parties, we require contractual protections—but note that overseas providers may be subject to different privacy laws.
Your Rights
You may request access to, or correction of, the personal information we hold about you at any time by contacting:
The Compliance Officer
The Professional Advice Network Ltd
📞 027 649 1907
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.