Implemented directly, in your name. No middleman, no commission.
Advice and implementation are kept separate. Once your plan is agreed, you set it up directly with the provider, and I guide you through every step. Here is how that works, using a fictional example.
Request a free discovery sessionFrom plan to done, in four moves
- 1. Your planStatement of Advice
- 2. Your accountsopened in your name
- 3. Money placedexactly as planned
- 4. Yearly reviewadjust as life changes
MoneyPlan guides steps 2 and 3. You hold the logins and the money.
Meet Sam, who has just received $120,000
Illustrative example only. Sam is fictional and every number is invented to show how implementation works. It is not advice for you. The screens below are generic illustrations, not any real provider’s website.
Sam is 45, employed, with a mortgage and no existing investments. Sam’s plan splits the inheritance three ways, and adds income protection.
What Sam’s plan says
- $20,000 emergency fund, in an on-call savings account at Sam’s own bank
- $30,000 paid off the mortgage, arranged directly with the bank
- $70,000 invested in three low-cost ETFs on a direct platform, plus $500 a month
- Income protection to cover a gap the plan found
Account holder: Sam (you)
$70,000
Adviser on account: none · Adviser fee: $0
Sam logs in to the platform directly, at any time. MoneyPlan has no login and no access. Platforms such as InvestNow work this way, and the platform is chosen for each client’s plan.
Simple, diversified, low cost
For most people, most of the time, the right core is a small number of broad, low-cost index funds or ETFs. Each one holds hundreds or thousands of companies or bonds, so no single company can sink your plan, and you are not paying a manager to try to beat the market.
Global shares ETF
Thousands of companies across the world’s major markets. The long-term growth engine.
Sam: $42,000NZ shares ETF
New Zealand’s largest listed companies. Local exposure, in NZ dollars.
Sam: $14,000Global bonds ETF
Government and company bonds. Steadier, to soften the falls when share markets drop.
Sam: $14,000The mix is set by your plan: your timeframe, your need for income, and how much of a fall you can live with. 60/20/20 is Sam’s example, not a recommendation for you.
Most active managers don’t beat the index after fees
of actively managed global share funds offered to Australian investors underperformed their benchmark index over the 10 years to December 2025. S&P SPIVA Australia, Year-End 2025. New Zealand isn’t covered by this study; Australia is the closest comparable market.
A big part of the reason is cost. A typical managed fund might charge around 1% a year. A portfolio of broad index ETFs can cost around 0.3%. On Sam’s $70,000, that is roughly $700 a year against $210, every year, and the gap compounds.
Difference after 20 years: $45,865, from fees alone.
Illustration only: $70,000 plus $500 a month, assuming the same 6% a year return before fees for both, every year. Real returns go up and down and are not guaranteed; this is not a forecast. Fee levels are examples, not quotes from any provider. Tax treatment is not modelled. Some advised products also add an ongoing adviser fee on top; direct implementation removes that layer too.
Two routes, chosen for your situation
Apply directly, online
You apply with the insurer yourself, and I explain how the process works. No broker, no commission.
Licensed broker partner
Health history, business cover, or replacing an existing policy. No referral fee to MoneyPlan.
Once it is set up
Most major New Zealand insurers now give you an online account. You can see every policy and what it covers, update your details, change cover when your life changes, and lodge a claim yourself, at any time, without going through anyone.
A claim is still assessed by the insurer on the policy’s terms, so what you disclose when you apply matters. What changes is that you deal with the insurer directly, and no commission shaped what you bought.
Policy holder: Sam (you)
Adviser commission on these policies: none
In the example, Sam is healthy and has no existing cover, so Sam applies directly online. Buying directly means no broker manages the policy or a future claim. If that is a risk in your situation, the broker route is the right one, and I will say so. I don’t hold an insurance licence; insurance advice on specific policies comes from the licensed broker.
A typical timeline
- Week 1
Your plan is agreed
We go through your Statement of Advice together. Every action has a reason, an amount and an order.
- Week 1
You open your own account
On a short video call, I walk you through opening an account on a direct platform, in your name. It usually takes about 15 minutes, including online ID checks.
- Week 2
You put the money where the plan says
You transfer the funds and choose the investments named in your plan. I stay on the call or check your screen afterwards, so nothing is set up wrong.
- Week 2
Regular contributions and cover
You set up any automatic monthly contributions, and apply for insurance by whichever route suits your situation.
- Month 12
Review
We check the plan against what actually happened and adjust. You can see everything yourself in the meantime.
Who does what
- Build the plan and explain the reasoning
- Walk you through each setup step on a video call
- Check the setup matches the plan
- Tell you when the broker route is the safer choice for insurance
- Open accounts and policies in your own name
- Move your money and make the selections in the plan
- Keep your own logins and see everything online
- Hold your money or have access to your accounts
- Take a commission or referral fee from any provider or broker
- Sell you a product to make the plan work
Want a plan you can put in place yourself, with someone beside you?
Start with a free, no-obligation discovery session.
Request a free discovery session