OnPoint Advice
Registered NZ Financial Adviser
Most self-employed Kiwis are behind on retirement savings. Find out where you stand - and what you can do about it.
We compare KiwiSaver funds from 14+ NZ providers including
No employer contributions means you're missing out on the 3.5% employer minimum (rising to 4% from April 2028) that PAYE workers get on top of their salary.
Most business owners reinvest everything back into the business and assume they'll sell it to fund retirement - but business valuations don't always work out.
The wrong KiwiSaver fund can cost you tens of thousands over your working life. High fees and mismatched risk profiles are incredibly common.
“Hi, I'm Letisha - I help NZ business owners get better finance rates and the right cover. Here's how it works.”
Video coming soon - 30-second intro
We calculate where you're tracking versus where you need to be - based on your actual lifestyle expectations, not generic assumptions.
We check your current fund, fees, and risk profile against the alternatives. Many people save thousands just by switching to a better-fit provider.
We build a retirement strategy that works alongside your business - including KiwiSaver, investments, and any property plans.
“I'd been in a conservative KiwiSaver fund for 12 years without realising. Letisha switched me to a growth fund - the projected difference over the next 15 years is over $80k.”
Angela S.
Graphic designer, Auckland
“As a tradie I always figured I'd sell the business to retire. Letisha helped me see that wasn't a sure thing and set up a proper plan B.”
Ben H.
Builder, Whangarei
Yes. Self-employed people can make voluntary contributions and still receive the government contribution of up to $260.72 per year (25c per $1 on the first $1,042.86 you put in, capped from 1 July 2025; only if your taxable income is below $180,000). You won't get employer contributions unless you also earn PAYE income.
For most business owners, no. KiwiSaver is a great start, but depending on your lifestyle expectations you'll likely need additional savings or investments. We'll help you see the full picture.
It depends on your age, risk tolerance, and how long until you retire. Many people are in a conservative fund when they should be in a growth fund (or vice versa). A quick review can make a big difference.
KiwiSaver fees vary significantly between providers - from 0.2% to over 1.5% per year. Over a working lifetime, that difference can add up to tens of thousands of dollars.
Yes. Letisha provides a free initial review and recommendation. As a financial adviser, she's paid by the product provider if you choose to switch - not by you.
Get a free KiwiSaver review and retirement plan from Letisha. She'll compare major NZ KiwiSaver KiwiSaver providers and aims to call you back within minutes during business hours.
Get my free retirement review