Financial Planning for New Zealand

Financial planning for life's biggest transitions

Flat-fee financial planning designed for life's biggest financial decisions, including careers, property, separation, investing, retirement, and financial independence.

Book Your Free Clarity Call
50+ People Supported
No Commissions, No % Fees
$11M in fees Saved So Far
FoundHer — Problem Section (Gender-Neutral, Photo Hero)
The Problem

56%of New Zealanders don't feel prepared for retirement.

You're not behind. You're just unadvised.

The balance looks okay. But okay for what? Retiring at 55? Helping the kids buy their first place? Two trips away a year without doing mental maths first? Nobody's actually run the numbers on your life. You've just been hoping they add up.

25% less in KiwiSaver for women by retirement.
50%+ more saved with financial advice than without.
Zara, founder of FoundHer
FoundHer — Services Section (Forest, Canty Structure)

A plan built around your actual life.

Everything you need to know, and nothing you don't.

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Investment Planning

Is my money working as hard as I am?

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Retirement Planning

What does 65 look like for me?

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KiwiSaver Fund Advice

Am I in the right fund, or just the default one?

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Goals Based Planning

What am I saving for?

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Life Mapping

Can I dial it back?

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Cash Flow Planning

Where's the money going?

Why FoundHer

Why FoundHer?

Advice without hidden incentives

Fee-only guidance with no commissions and no percentage-based asset fees influencing our recommendations.

Save mental load & money

We review the full picture, streamline what’s not working, and optimise where possible so your money works smarter, without the stress.

Built for women’s realities

Financial planning designed around the complexity, ambition, and life stages women actually navigate.

Client Love

Ultimate Money Date • Teacher

Kim finally UNDERSTOOD HER OPTIONS

I'd been in the default fund for 8 years. I didn't even know other options existed.

"Zara explained everything so clearly and was super friendly. I'm so glad I booked in to get this sorted."

✓ Switched to growth fund

— Kim Barnes

Wealth Plan • Property Investor

Jess found $16K BLEEDING into rentals

I was so focused on "positive cashflow" that I couldn't see it.

"I think you're spot on about the $16k just bleeding into the rentals. Really appreciate you running through this with me properly."

✓ Numbers actually made sense

— Jess

Ultimate Money Date • Lawyer

Lauren DIDN'T DREAD the conversation

I thought I'd feel judged or stupid. I actually didn't dread talking about money for once.

"Honestly you are so easy to talk to. That was such a relief. You made it feel really straightforward."

✓ No shame, just clarity

— Lauren

Wealth Plan • Project Manager

Ingrid stopped playing it TOO SAFE

I was confident with money — but playing it safe was quietly costing me flexibility.

"Zara helped me align strategy with values. She bridges the emotional and practical sides — something most advisers miss."

✓ Strategy that fits her life

— Ingrid Gillingham

Wealth Plan • 33, Auckland

She went from ANXIOUS TO EXCITED

Around Christmas I felt anxious and unsure. I didn't really understand my numbers or what was actually possible for me financially.

"Now I feel excited. It's a huge difference. Selling the house is a big decision, but I feel really comfortable making it because I can clearly see there are better things I can do with that money."

✓ Confident on $800K decision
Wealth Plan • Workplace Development

Brieana went from AVOIDANT TO ORGANISED

I felt disorganised and disconnected from my money. I needed someone who got the emotional side.

"I now feel confident and clear. I'm even excited by the topic — a big shift from how avoidant I felt in the past."

✓ Full wealth strategy

— Brieana Thompson

Client Love

Ultimate Money Date • Teacher

Kim finally UNDERSTOOD HER OPTIONS

I'd been in the default fund for 8 years. I didn't even know other options existed.

"Zara explained everything so clearly and was super friendly. I'm so glad I booked in to get this sorted."

✓ Switched to growth fund

— Kim Barnes

Wealth Plan • Property Investor

Jess found $16K BLEEDING into rentals

I was so focused on "positive cashflow" that I couldn't see it.

"I think you're spot on about the $16k just bleeding into the rentals. Really appreciate you running through this with me properly."

✓ Numbers actually made sense

— Jess

Ultimate Money Date • Lawyer

Lauren DIDN'T DREAD the conversation

I thought I'd feel judged or stupid. I actually didn't dread talking about money for once.

"Honestly you are so easy to talk to. That was such a relief. You made it feel really straightforward."

✓ No shame, just clarity

— Lauren

Wealth Plan • Project Manager

Ingrid stopped playing it TOO SAFE

I was confident with money — but playing it safe was quietly costing me flexibility.

"Zara helped me align strategy with values. She bridges the emotional and practical sides — something most advisers miss."

✓ Strategy that fits her life

— Ingrid Gillingham

Wealth Plan • 33, Auckland

She went from ANXIOUS TO EXCITED

Around Christmas I felt anxious and unsure. I didn't really understand my numbers or what was actually possible for me financially.

"Now I feel excited. It's a huge difference. Selling the house is a big decision, but I feel really comfortable making it because I can clearly see there are better things I can do with that money."

✓ Confident on $800K decision
Wealth Plan • Workplace Development

Brieana went from AVOIDANT TO ORGANISED

I felt disorganised and disconnected from my money. I needed someone who got the emotional side.

"I now feel confident and clear. I'm even excited by the topic — a big shift from how avoidant I felt in the past."

✓ Full wealth strategy

— Brieana Thompson

Client Love

Ultimate Money Date • Teacher

Kim finally UNDERSTOOD HER OPTIONS

I'd been in the default fund for 8 years. I didn't even know other options existed.

"Zara explained everything so clearly and was super friendly. I'm so glad I booked in to get this sorted."

✓ Switched to growth fund

— Kim Barnes

Wealth Plan • Property Investor

Jess found $16K BLEEDING into rentals

I was so focused on "positive cashflow" that I couldn't see it.

"I think you're spot on about the $16k just bleeding into the rentals. Really appreciate you running through this with me properly."

✓ Numbers actually made sense

— Jess

Ultimate Money Date • Lawyer

Lauren DIDN'T DREAD the conversation

I thought I'd feel judged or stupid. I actually didn't dread talking about money for once.

"Honestly you are so easy to talk to. That was such a relief. You made it feel really straightforward."

✓ No shame, just clarity

— Lauren

Wealth Plan • Project Manager

Ingrid stopped playing it TOO SAFE

I was confident with money — but playing it safe was quietly costing me flexibility.

"Zara helped me align strategy with values. She bridges the emotional and practical sides — something most advisers miss."

✓ Strategy that fits her life

— Ingrid Gillingham

Wealth Plan • 33, Auckland

She went from ANXIOUS TO EXCITED

Around Christmas I felt anxious and unsure. I didn't really understand my numbers or what was actually possible for me financially.

"Now I feel excited. It's a huge difference. Selling the house is a big decision, but I feel really comfortable making it because I can clearly see there are better things I can do with that money."

✓ Confident on $800K decision
Wealth Plan • Workplace Development

Brieana went from AVOIDANT TO ORGANISED

I felt disorganised and disconnected from my money. I needed someone who got the emotional side.

"I now feel confident and clear. I'm even excited by the topic — a big shift from how avoidant I felt in the past."

✓ Full wealth strategy

— Brieana Thompson

Client Love

Ultimate Money Date • Teacher

Kim finally UNDERSTOOD HER OPTIONS

I'd been in the default fund for 8 years. I didn't even know other options existed.

"Zara explained everything so clearly and was super friendly. I'm so glad I booked in to get this sorted."

✓ Switched to growth fund

— Kim Barnes

Wealth Plan • Property Investor

Jess found $16K BLEEDING into rentals

I was so focused on "positive cashflow" that I couldn't see it.

"I think you're spot on about the $16k just bleeding into the rentals. Really appreciate you running through this with me properly."

✓ Numbers actually made sense

— Jess

Ultimate Money Date • Lawyer

Lauren DIDN'T DREAD the conversation

I thought I'd feel judged or stupid. I actually didn't dread talking about money for once.

"Honestly you are so easy to talk to. That was such a relief. You made it feel really straightforward."

✓ No shame, just clarity

— Lauren

Wealth Plan • Project Manager

Ingrid stopped playing it TOO SAFE

I was confident with money — but playing it safe was quietly costing me flexibility.

"Zara helped me align strategy with values. She bridges the emotional and practical sides — something most advisers miss."

✓ Strategy that fits her life

— Ingrid Gillingham

Wealth Plan • 33, Auckland

She went from ANXIOUS TO EXCITED

Around Christmas I felt anxious and unsure. I didn't really understand my numbers or what was actually possible for me financially.

"Now I feel excited. It's a huge difference. Selling the house is a big decision, but I feel really comfortable making it because I can clearly see there are better things I can do with that money."

✓ Confident on $800K decision
Wealth Plan • Workplace Development

Brieana went from AVOIDANT TO ORGANISED

I felt disorganised and disconnected from my money. I needed someone who got the emotional side.

"I now feel confident and clear. I'm even excited by the topic — a big shift from how avoidant I felt in the past."

✓ Full wealth strategy

— Brieana Thompson

Client Love

Client Love

Wealth Plan • Property Investor

Jess found $16K BLEEDING into rentals

I was so focused on "positive cashflow" that I couldn't see it.

"I think you're spot on about the $16k just bleeding into the rentals. Really appreciate you running through this with me properly."

✓ Numbers actually made sense

— Jess

Wealth Plan • 33, Auckland

She went from ANXIOUS TO EXCITED

Around Christmas I felt anxious and unsure. I didn't really understand my numbers or what was actually possible for me financially.

"Now I feel excited. It's a huge difference. Selling the house is a big decision, but I feel really comfortable making it because I can clearly see there are better things I can do with that money."

✓ Confident on $800K decision
Clarity Call

Lauren DIDN'T DREAD the conversation

I thought I'd feel judged or stupid. I actually didn't dread talking about money for once.

"Honestly you are so easy to talk to. That was such a relief. You made it feel really straightforward."

✓ No shame, just clarity

— Lauren

FoundHer — FAQ
Common questions

Things you may be
thinking.

  • Traditional advice often focuses on selling standard financial products or managing your investments for a percentage fee. FoundHer is different. We focus entirely on women, providing a clear plan designed for your real life, career path, and personal goals. You get honest guidance tailored to how women experience money, without a pushy sales pitch.
  • We embrace modern technology and use smart tools behind the scenes to keep our work efficient. However, we believe financial choices are deeply personal and require real human empathy. Your plan is always guided and shaped by a real adviser who understands your unique story. We are fully committed to using technology responsibly. You can read our AI Transparency & Ethics Statement to see exactly how we balance innovation with human-first advice.
  • Many of our clients are capable DIY investors who already know their way around shares or property. They don't need a beginner's lesson. They come to us to pull all their moving parts together into one clear blueprint. We look at the big picture, check for any blind spots you might have missed, and make sure your investment choices actually line up with your long-term goals.
  • Yes. This is exactly when independent advice matters most. Going through a life transition like a divorce, separation, or managing a sudden inheritance involves big choices and high emotions. We act as a calm partner to help you see exactly where you stand financially before you sign legal papers or move your money, protecting your future when things feel overwhelming.
  • We advise on investment planning, risk planning, tax planning, and KiwiSaver. While we discuss specific products and work with accredited providers, we do not implement the investments for you and we do not monitor them daily. We give you the roadmap and you stay in control of your accounts.
  • While we don't manage your money day to day, we don't just leave you to figure it out alone. We have an ongoing membership you can enquire about. This gives you quarterly or bi-annual check-ins with us to review your progress, adjust for life changes, and make sure your plan keeps working for you over time.
  • A good financial plan won't stick unless your mind is on board too. How you feel about money is a huge part of your success. Throughout the planning process, we give you simple exercises to help you get clear on your "why" and build financial habits that match your actual personality.

Still have a question? Book a free Clarity Call and we'll answer it in person