New country, new financial system. Get a plan that actually fits it.

Before you commit to anything, get a clear, independent picture of how the New Zealand financial system actually fits your situation, not a generic explanation aimed at people who grew up with it.

I’m Luis Silva, a licensed financial adviser (FSP1009370) working independently, not for a bank, an insurer, or a fund manager. Whether you’ve just arrived, you’ve recently become a New Zealand tax resident, or you’ve been here a while and never got a proper plan sorted, let’s build one around where you actually stand.

What this looks like in practice

• A plain-English walkthrough of how KiwiSaver, banking, and insurance actually work in New Zealand, applied to your situation
• A full picture of what you’ve brought with you: savings, investments, debts, and any overseas pensions or entitlements
• Clarity on what’s actually worth bringing into the New Zealand system, and what’s better left where it is
• An independent read on the banking, KiwiSaver, and insurance products being offered to you, and whether they genuinely fit
• A written Statement of Advice, produced to Financial Markets Conduct Act 2013 standards, in plain English

Where tax residency, visa conditions, or immigration status affect your plan, I work alongside your accountant or immigration adviser rather than replacing them — my role is the financial plan, not immigration or tax advice.