Frequently Asked Questions

Good financial advice isn’t just about products, it’s about understanding your life, your goals, and what you want your money to make possible.At The Smart Advice Collective, we help you create a plan that supports every stage of life:Investing Personal and general insuranceSpending plansRetirement planningBusiness and succession planningWe work alongside you, recommending options that match your priorities, values, and the lifestyle you’re building.If you’re unsure where to start, book a free, no‑obligation chat as we’re always happy to talk things through.

Yes. Your first chat is completely free, and often the whole process is fee free to you. The first chat is simply a chance to understand your needs and see whether we’re the right fit.We’ll walk you through the benefits, costs, and trade‑offs of every option before you make any commitment.

Every situation is different. We look at your whole financial picture, not just the size of your investments.Many people without large assets still benefit hugely from a comprehensive financial plan. Our goal is to help as many Kiwis as possible take that step.If we’re not the right fit, we’ll point you toward someone who is.

Some advisers focus solely on investments. Others focus only on insurance.We take a broader, more holistic approach:Why you’re investingHow your goals fit togetherWhat risks you need to protectHow to structure your money so it supports your lifeOur investment approach is globally diversified to reduce the risk of having everything tied to the NZ economy. And yes, we can also advise on personal and general insurance so your plan is protected if life throws a curveball.

Your initial consultation is free, and there’s no obligation to continue. If you choose to work with us:Most insurance and mortgage advice have no direct cost (we’re paid by the insurer).Investment advice has a transparent percentage‑based fee, disclosed upfront and tax‑deductible.Financial coaching and loans outside standard mortgage advice can be charged on a fee basis but this is discussed with you upfront before the relationship startsNot having a plan and trying to self-manage your financial affairs can often cost far more in the long run.

No. We don’t hold your money or insure you. We act as brokers and advisers - your investments and insurance stay in your name, with reputable, regulated third‑party providers we choose together.

For investment clients:Quarterly or annual updatesAnnual review meetingRegular blogs and insightsExtra check‑ins whenever you need themFor insurance and mortgage clients:Annual renewal reviewHelp with claimsSupport anytime questions pop up

Look for someone you feel comfortable with as a good relationship matters. Ask questions. Expect clear answers. Read testimonials. And be wary of anyone who claims to “predict the future.” A good adviser explains strategy in plain English and helps you make confident, informed decisions.If you’d like to see whether we’re a good fit, we’d love to chat.