Compound Wealth Limited Public Disclosure  

Licensing Information and Contact Details

Compound Wealth is a Financial Advice Provider, which holds a full class 2 license by the Financial Markets Authority to provide financial advice.
Email: advice@compoundwealth.co.nz
Physical Address: 4/41 Newton Street, Mount Maunganui, 31167

Our registration number is: FSP720532

Financial Adviser Details

I am a Financial Adviser (FSP581587) providing advice on behalf of Compound Wealth. I have worked in financial services for over 10 years and founded Compound Wealth in 2017 to help New Zealanders grow and protect their wealth. Compound Wealth now advises on over $100 million in client funds and maintains trusted relationships nationwide.

I focus on partnering with clients who share a long-term approach to investing. I believe in disciplined, strategic investing and working closely with those who value expert guidance to build and sustain their wealth. My goal is to create enduring relationships, helping my clients navigate the financial landscape with confidence while compounding their wealth over time.

Qualifications

  • Bachelor of Commerce (Finance & Commercial Law) – Victoria University of Wellington

  • National Certificate in Financial Services (Financial Advice) (Level 5) – Investment, Life & Health Insurance, and Residential Property Lending strands

  • University of Nebraska Omaha – Warren Buffett Executive Course (Spring 2022)

Contact Details

  • Phone: +64 27 331 3127

  • Email: adam@compoundwealth.co.nz

  • Physical Address: 4/41 Newton Street, Mount Maunganui, 3116

 

Nature and Scope of Advice

I provide financial advice on the following areas:

  • Investment Advice and Planning

  • Retirement Planning and KiwiSaver

We are not tied to any product provider, and the specific details of the KiwiSaver/Investment solutions we recommend will be detailed in your written advice. Compound Wealth is 100% owned by Adam Stewart. I only recommend investment solutions I would personally invest in myself.

We do not hold any of our clients’ investments in our name. They are held on the client’s behalf by a registered custodian which is regulated by the Financial Markets Authority under the Financial Markets Conduct Act.

The Six-Step Financial Advice Process

  1. Establish the Client Relationship – Define the scope of service.

  2. Gather Data – Collect relevant financial and personal details.

  3. Analyse & Evaluate Financial Status – Develop strategies tailored to your needs.

  4. Develop & Present Recommendations – Provide a Statement of Advice.

  5. Implementation – Assist with applying to the recommended provider.

  6. Monitor & Review – Ongoing updates and adjustments based on your needs.

 

Fees & Expenses

Initial Consultation

We offer a complimentary 30-minute discovery session. Any additional fees will be discussed and agreed upon before proceeding.

KiwiSaver Advice

We provide independent KiwiSaver advice and have the expertise to help clients navigate the entire KiwiSaver market. Our ability to advise on any KiwiSaver solution means we can tailor recommendations to align with your financial goals, risk tolerance, and investment preferences.

For clients seeking greater diversification and control, we can also structure portfolios using multiple investment managers or direct securities via KiwiWRAP, an open-architecture KiwiSaver platform that provides access to a wide range of investment options.

We have established agreements with the following KiwiSaver schemes, which compensate us for providing financial advice:

  • Milford KiwiSaver Plan

  • Generate KiwiSaver Scheme

  • Booster KiwiSaver Scheme

  • ANZ KiwiSaver Scheme

  • Pathfinder KiwiSaver Scheme

  • AMP KiwiSaver Scheme

  • KiwiWRAP KiwiSaver Scheme

  • Kernel KiwiSaver Scheme

  • Koura KiwiSaver Scheme

  • GoalsGetter KiwiSaver Scheme

We do not charge an upfront fee for KiwiSaver advice—this service is complimentary and comes with no obligation. If you decide to implement our KiwiSaver advice, we are remunerated by the KiwiSaver provider through an ongoing percentage-based fee. This is fully disclosed in the written advice. You therefore receive a no-obligation KiwiSaver comparison at no cost, with a fee only applying if you proceed with the recommended solution.

Regardless of the provider, our advice is always in your best interest, and all fees will be fully disclosed upfront, no surprises.

Investment Advice

We provide independent investment advice utilising Consilium WRAP and Booster WRAP platforms.

  • Written investment advice: Starts at $1,000 (inclusive of GST) and includes implementation.

  • Ongoing Fees (Funds Under Management): Sliding scale up to 1.15% p.a. (inclusive of GST) for smaller engagements, reducing to 0.25% for larger sums. Ongoing fees are charged monthly and deducted from funds unless arranged otherwise.

All fees are disclosed in our written advice.

Retirement Planning

We provide comprehensive retirement planning to help you achieve financial security in retirement. Our service includes:

  •       A personalised retirement income strategy tailored to your goals.

  •       Cash flow modelling to project future income and expenses.

  •       Investment recommendations aligned with your retirement needs.

The fee for a retirement plan starts at $1,500 (inclusive of GST) and covers plan development, recommendations, and implementation support.

We charge ongoing fees for any investments that we manage, following the same schedule as above.

All fees are disclosed in our written advice.

Hourly Rate Consultancy & Transactional Services

  • $250 + GST per hour for unstructured financial planning or additional clarity meetings.

  • Transactional services will be agreed upon beforehand but may be adjusted for complexity.

 

Conflicts of Interest & Incentives

  • Compound Wealth receives client fees and commissions, and I am remunerated through a shareholder salary.

  • I disclose all fees, commissions, or incentives related to my advice.

  • Compound Wealth does not have any preferential arrangements or financial obligations with providers that could influence advice.

  • No commissions are accepted for client referrals to solicitors, accountants, or property specialists. Referrals are made purely based on expertise.

Complaints Process

If you are dissatisfied with our service, you can make a complaint by:

  • Emailing: advice@compoundwealth.co.nz

  • Calling: Adam Stewart at +64 27 331 3127

Internal Complaints Process

  1. We acknowledge receipt of your complaint and assess how we can resolve it.

  2. We aim to resolve complaints within 10 working days. If more time is needed, we will inform you with an estimated resolution timeframe.

  3. We will communicate our resolution to you via phone or email.

External Dispute Resolution

If we cannot resolve your complaint, you can contact the Financial Dispute Resolution Scheme (FDRS):

  • Address: Level 4, 142 Lambton Quay, Wellington Central, 6011

  • Phone: 0508 337 337

  • Email: enquiries@fdrs.org.nz

  • Website: www.fdrs.org.nz

Your Privacy

  • We collect personal information to deliver suitable financial advice.

  • You have the right to access and correct any personal data we hold about you.

  • Records are securely stored and accessed only by authorised personnel.

  • We may share your information with insurers, statutory regulators, compliance auditors, or other relevant parties only as required.

Privacy Complaints

If you have concerns about how your data is handled, you may contact the Office of the Privacy Commissioner:

  • Address: PO Box 10 094, The Terrace, Wellington 6143

  • Phone: 0800 803 909

  • Email: enquiries@privacy.org.nz

Variations

  • This document may be updated periodically.

  • A revised version is available upon request but will not be automatically provided.