Meet Ian Coates
Independent advice you can trust
I’m Ian Coates, a licensed Financial Adviser helping New Zealanders make confident decisions about their KiwiSaver, investments, and retirement planning.
My approach is simple – understand your goals, explain your options clearly, and build a plan that supports you through every stage of life.
Background & Experience
I’ve spent my career working in financial services, helping people make practical decisions about their money and their future.
Over the years, I’ve worked with clients at every stage – from young professionals starting their first job, through to families building wealth, and people preparing for or living in retirement.
What I’ve learned over the years:
Good financial advice isn’t about products.
It’s about understanding your situation, your priorities, and what matters most to you.
That’s the foundation behind Compound Effect Financial.
My Approach
Financial advice should feel clear, personal, and practical – not complicated or overwhelming.
When you work with me, you can expect:
1. Advice tailored to your stage of life and goals
2. Clear explanations without the jargon
3. Independent recommendations focused on your best interests
4. Ongoing support as your circumstances change
I believe advice works best as a long-term partnership, not a one-off transaction.
What I can help you with
1
KiwiSaver reviews and fund selection
Make sure your KiwiSaver is in the right fund for your goals, timeframe, and comfort with risk.
2
First home planning and withdrawals
Understand your options, maximise your withdrawal, and structure your KiwiSaver so your long-term savings stay on track.
3
Building long-term investments
Create a simple, disciplined plan to grow your wealth over time without unnecessary complexity.
4
Retirement planning
Understand what you’ll need, when you can retire, and how to structure your savings for reliable income in retirement.
5
Structuring income in retirement
Turn your savings into a reliable income that supports your lifestyle for the long term.
6
Ongoing reviews and plan adjustments
Keep your strategy on track as your life, income, and goals change.
7
Kids KiwiSaver setup & assistance
Helping parents set up or review their Kids KiwiSaver account to ensure they’re kids make the most of the compound effect.
8
Building a managed Fund
Assist with setup and building a managed as an emergency fund to ensure unexpected expenses don’t derail your KiwiSaver progress.
Whether you’re just getting started or reviewing an existing plan, the goal is the same – helping your money work harder for your future.
Why Compound Effect?
The name reflects a simple idea: small, consistent decisions made over time can create meaningful long-term results.
By regularly reviewing your KiwiSaver and investments and making adjustments as life changes, you can stay on track and avoid costly mistakes.
My role is to help you make those decisions with confidence.
Personal Note
I’m based in Christchurch and work with clients across New Zealand.
I understand that financial decisions can feel significant and sometimes stressful. That’s why I focus on building long-term relationships based on trust, clear communication, and practical advice you can act on.
If you’d like to understand whether your KiwiSaver or investments are set up for where you’re heading, I’d be happy to help.