What working with Circulus looks like
Circulus works with New Zealand homeowners who are serious about building a nest egg. We show you exactly where you stand - then connect you with the right people to act on it.
See where you actually stand
We put the work in to show you exactly where you stand. Through a free, guided Wealth Map session, we calculate where you are today and where you need to be for the lifestyle you want - what we call the realisation moment.
The Retirement Reality Report is your starting point. It sets out your current trajectory - what your savings are likely to provide, what NZ Super contributes, and how far you currently sit from the lifestyle you're aiming for.
Understand what the gap actually means
Once you know your numbers, the question becomes: what closes that gap? For most New Zealand homeowners, putting more aside each week isn't enough - the gap is too large and the timeline too short. This stage is about understanding what actually works, and arriving at that conclusion through the evidence, not a sales pitch.
What becomes clear is that the people who do close the gap tend to use their existing assets differently. Your advisor will help you understand what that looks like for your situation specifically - and whether it applies to you.
A plan built around your numbers
When you're ready, you'll work with an independent advisor from our network - a registered financial service provider who builds a strategy specific to your financial position. Not a generic illustration, but a real plan built from your numbers, addressing the exact gap between where you are and where you need to be.
The advisors in our network hold their own Financial Service Provider registration and operate under their own disclosure document. They provide the advice; Circulus connects you and supports the process.
Putting the strategy in place
A plan is only as good as what happens next. Circulus works alongside your advisor to help put the strategy in place - making sure the right structures are established, the steps that follow are clear, and nothing falls through the cracks.
Ongoing annual reviews and continued support keep the strategy current as your situation changes. This is a long-term relationship built around a long-term outcome.
Every journey starts with an honest picture of where you are.
The Wealth Map is free, takes around 20 minutes, and gives you something concrete to work from.