Independent financial advice,
built around a plan, not a product.
Professional, fee-only advice for people facing an important financial decision. A written plan comes first, so every choice that follows is made with clarity.
Plan first. Product second.Start with a free 30-minute discovery session. You will leave with at least one concrete insight and no obligation.
Or see a sample Statement of Advice first.
Sound familiar?
“I earn well, but I’ve never actually checked whether my money is working as hard as I am.”
“I’ve received a large amount of money and don’t want to make an expensive mistake with it.”
“I want to know whether I can actually retire when I’m planning to, not just hope so.”
“I’ve got investments, KiwiSaver, and insurance scattered across different providers, and no one’s looked at the whole picture.”
“I own a business, and my personal and business finances need to actually work together.”
“Everything about my situation changed, and the plan I had doesn’t fit anymore.”
None of this means you have done anything wrong. It usually means nobody has looked at the whole picture.
What brings you here?
Same independent process, same discovery call, same plan-before-product approach, tailored to what brought you here.
“I’ve built a good income, but I want a proper financial plan.”
Professionals → 02“I’ve received a large amount of money and don’t want to get it wrong.”
Lump sum & inheritance → 03“I’m approaching retirement and need to work out what happens next.”
Retirement & KiwiSaver → 04“My financial circumstances have changed.”
Major life changes → 05“I’ve just moved to New Zealand and don’t understand how the financial system here works.”
New to New Zealand → 06“I have money, property, or obligations in more than one country and need it all to work together.”
International & multi-country finances →Most financial decisions start with a product.
A KiwiSaver fund.An investment.An insurance policy.A mortgage.A managed fund.
But the product isn’t the starting point. Your financial situation is.
Plan first. Product second. Always in that order.
Understand your whole picture
Income, assets, debts, KiwiSaver, insurance, and how it all actually fits together today.
Define what you’re trying to achieve
What you want, and on what timeframe, whether that’s growing wealth, protecting your family, or planning an exit.
Identify the gaps, risks, and opportunities
Where the plan is exposed, and where there’s room you’re not using yet.
Build your plan
A clear, independent Statement of Advice written around your specific circumstances, not a product someone needs to move.
Decide whether a product is actually required
If one genuinely fits, you decide whether and when to act, then put it in place directly with the provider, or through a licensed broker partner where that suits you better.
Implemented directly. No middleman, no commission.
Advice and implementation are kept separate. Once your plan is agreed, you put it in place directly with the provider, in your own name, and I guide you through each step.
Direct, low-cost platforms
Set up on platforms such as InvestNow, in an account you own and control. I never hold your money or have access to your account.
Two routes, chosen for your situation
Where your plan shows a protection gap, you can apply directly with an insurer online, and I explain how the process works. If your situation is more complex, such as health history, business cover or replacing an existing policy, I refer you to a licensed insurance broker partner for personal advice.
Paid only by your fee
Every account and policy is in your name and visible to you online. No product pays me to recommend it, and no adviser fees or commission are built into what you buy.
Buying insurance directly means no broker manages your policy or a claim for you. If that is a risk in your situation, I will tell you and refer you to a licensed broker partner instead.
From scattered pieces to one plan
- Income and debt looked at separately
- Investments picked one at a time, as they come up
- KiwiSaver sitting in a default or leftover fund
- Insurance bought, or ignored, without a real assessment
- Goals that live in your head, not on paper
- One integrated picture of your finances
- Clear priorities, ranked against each other
- A concrete action plan, with a timeline
- An investment strategy that fits the plan, not the other way around
- A risk and insurance strategy that actually matches your circumstances
- A clear view of what decision comes next, and when
Independent advice, working for you.
Before recommending anything, I start by understanding your whole financial picture, then build a plan around your goals, priorities, and circumstances. Where a financial product is genuinely part of the answer, that comes later, not first.
I’m Luis Silva, MoneyPlan’s founder and a licensed financial adviser (FSP1009370, FDRS FM6843), working independently of any bank, insurer, or fund manager. I don’t hold an insurance licence myself; for insurance, you either apply directly with the insurer or I refer you to a licensed broker partner, depending on your situation.
More about Luis →Latest from the blog
Ready to see your own picture clearly?
Free, no-obligation, 30 minutes.
Request a free discovery session