Advice built for real life

At Compound Effect Financial, we believe time is your most valuable asset. The decisions you make today shape your future freedom.

We help New Zealanders make confident decisions about their KiwiSaver account, investments, and retirement with clear, practical advice that evolves as life changes.

It’s not about quick wins. It’s about steady progress and long-term results.

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How we work with you

A Decade of Helping Kiwis Make Better Financial Decisions

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Ian Coates
Founder / Financial Adviser

Who we help

For the Next Generation:
We help parents set up smart savings strategies for their children, building a strong financial foundation from the start.

Starting work / Early Career:
Simple changes to your KiwiSaver and savings now can make a big difference over time. We help you get set up properly from the start.

For First Home Buyers:
Guidance on using KiwiSaver and planning your finances so your home purchase doesn’t derail your long-term goals.

For the Growth and Transition Years:
As your income grows and priorities change, we help you build momentum and prepare for a smooth transition into retirement.

Who we work with

We work with most top providers and provide independent advice

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