Every question you have about working with MoneyPlan

Every engagement is a flat, published fee. One-Hour Financial Clarity is $437. The Holistic Financial Review is $1,997 for individuals and employed professionals, or $2,997 for business owners and senior professionals whose finances run through a company or trust. Prices are in NZD and exclude GST.

No. All prices are in New Zealand dollars and exclude GST, which is added at checkout.

No. MoneyPlan does not charge a percentage of your investments and there is no retainer. You pay one flat fee for the engagement you choose. The Holistic Financial Review includes 90 days of follow-up email support and a check-in call a year after your Statement of Advice.

No. If your situation turns out to need a full plan, the $437 fee for One-Hour Financial Clarity is credited toward a Holistic Financial Review.

You pay securely online by card through Stripe when you book a package on the Packages page. The fee is agreed before you commit to anything.

No. Neither MoneyPlan nor Luis receives any commission, referral payment or other incentive in relation to a recommendation, including referrals to a licensed insurance broker partner. Your fee is the only payment.

No. MoneyPlan is fee-only and independent. There is no commission from any product provider, so the advice is not shaped by what pays best.

A fee-only adviser is paid only by the client, never by the providers of the products they recommend. It keeps the cost visible and removes the incentive to recommend one product over another.

No. Once your plan is agreed you put it in place directly with providers, in your own name: investments through low-cost platforms, and insurance either applied for directly with the insurer or through a licensed broker partner. Luis does not hold an insurance licence and takes no commission from any provider or broker.

Search FSP1009370 on the New Zealand Financial Service Providers Register (fsp-register.companiesoffice.govt.nz). The register is free and public, and it is worth checking for any adviser you consider.

Contact Luis first so the issue can be resolved promptly and fairly through the internal complaints process. If it is not resolved, you can go to the independent Financial Dispute Resolution Service (FDRS, membership FM6843) on 0508 337 337. The service is free to you.

A 30-minute conversation to understand your circumstances and goals, and to work out together whether a full engagement makes sense. No preparation is needed and there is no obligation either way.

You sign your engagement letter and complete a short questionnaire in your private MoneyPlan Hub. A 120-minute onboarding call covers your full financial and family situation before any advice is given. You then receive your written Statement of Advice, 90 days of email support while you put it in place, and a 60-minute check-in call a year later.

A written, personalised plan that sets out the recommendations, the reasons for them and what they are based on, produced to the standards of the Financial Markets Conduct Act 2013. It starts with your plan on one page, so you know what to do first. A full fictional sample is on the website.

Not for the discovery session. For a review you complete the About your situation questionnaire in your Hub, which takes about 10 to 15 minutes. Approximate figures are fine, and you should never include account, card or IRD numbers.

No. You put the plan in place directly with providers, in your own name, and Luis guides you through each step. Nothing is held or managed by MoneyPlan.

Yes. Most plans are built for a household. Each person has their own sign-in to the Hub and signs documents separately.

Your private online portal. It brings together your goals, the actions you agreed (each with an owner and a due date), your Statement of Advice, links to your PocketSmith budget and ProjectionLab projections, and your documents, all in one place.

Go to hub.moneyplan.co.nz and enter your email address. A one-time code is emailed to you. There is no password to remember and no app to install.

Sign-in is protected by a one-time code sent to your email. The Hub never asks for bank account, card or IRD numbers, or health details, and refuses them if typed in. Your documents are kept in a private folder shared only with you.

PocketSmith for budgeting and cash flow, ProjectionLab for modelling your plan forward, and the MoneyPlan Hub to tie your actions, advice and documents together.

No. MoneyPlan works with anyone making an important financial decision: a high income you want a proper plan around, a lump sum or inheritance, an at-retirement or KiwiSaver decision, a business, or a major change in circumstances. Health professionals are a large part of the client base.

Yes, and online. MoneyPlan is based in New Plymouth, Taranaki, and works with clients across New Zealand by video call or in person, so location is not a barrier.

Yes. Luis gives advice in English or Spanish.

Yes. Newcomers and people with finances across countries are a specialty. Advice covers your New Zealand plan; where you need specialist overseas tax or legal advice, Luis will recommend you get it from an appropriate professional.

Yes. The $2,997 Holistic Financial Review reviews personal and business finances together, including drawings, retained earnings, remuneration strategy and cash flow across both, working alongside your accountant.

Yes. KiwiSaver, investments and retirement planning are part of every Holistic Financial Review, independent of any KiwiSaver provider or fund manager.