FAQs

Financial advice is professional guidance provided by a qualified and licensed firm to help clients make informed decisions about managing their finances. This advice encompasses various areas, including investment planning, retirement planning, tax planning, estate planning, personal insurance, and budgeting.    At Bradley Nuttall we focus on investments, including KiwiSaver.


Read more about our process here.

When choosing an adviser in New Zealand, it is important they are licensed by the Financial Markets Authority.   This can be checked via the Financial Services Provider Registry.   

Also consider their qualifications, affiliations and experience.   For investment advice, you should look for 20 years experience in financial markets.  

An independent and therefore not tied to any particular product.   Additionally, assess their fee structure and ensure it aligns with your financial goals and budget.     View our experienced team.

It is important that you feel comfortable throughout this process so you should ask anything important to you. Some things to consider are how the financial adviser gets paid, the firms investment philosophy, how is your money kept safe, the frequency of reports and reviews.

Our investment philosophy is to build diversified, evidence-based portfolios. We utilise the academic research of Nobel Prize winners Eugene Fama and Kenneth French to form the core of our portfolios. Our model portfolios contain investments across different asset classes and geographies as well as being highly liquid (easy to buy and sell).

More on our Investment Philosophy is available here.

A diversified portfolio is important to reduce the risk associated with holding a small number of assets. But more than that, diversification across many variables should be considered so that the portfolio is not exposed to risks that are unnecessary. Our portfolios look at a range of risks across different asset classes, as we discuss in our investment philosophy.

Our advice process is designed to ensure our financial advisers are following best industry practice. This involves a sequence of meetings to ensure the advice is relevant and personalised to your situation. At each stage you are under no obligation to continue and have time to properly consider each step.
More detail on our process is available here.

Bradley Nuttall has been managing client money since 2009. We use standard industry practice for clients assets to be held on their behalf at a custodian. You transfer money into their custodial account and any withdrawals can only be made to the account nominated by you.
The custodian independently values your investments, will send out reports to you, and you will have portal access to monitor your portfolio whenever you choose. MMC administers combined funds of around $100 billion for approximately 100 clients who range from investment managers to product providers and groups of investment professionals. More information on MMC can be found here https://www.mmcnz.co.nz/wealth-administration/

We do not get paid commissions by product providers and only get paid by our clients. In that way you can be assured our financial advisers are acting on your behalf. Any fees that we charge will be fully disclosed to you, in advance.    

Our approach is to build long-term relationships with clients and our fees reflect this, i.e.  low initial investment planning fees and competitive ongoing investment management.   More on fees can be found in our Disclosure Statement.

We do not get paid any commissions by product providers and only get paid by our clients. In that way you can be assured our financial advisers are acting on your behalf. Any fees that we charge will be fully disclosed to you by your adviser. More on fees can be found in our Disclosure
Statement.

Bradley Nuttall Nelson Limited holds a license with the Financial Markets Authority. Details are available on the FSPR register and in our Disclosure Statement
available here.

All licensed financial advisers are obligated to have a publicly available Disclosure Statement.Ours can be found here.
Sustainable investing and Environmental, Social, Governance issues are becoming more popular among investors. Your adviser can discuss a range of portfolio options with you.

If you are a transitional resident or have moved here (looking to move here) from overseas then you may have different tax jurisdictions to consider. In some cases this can be quite punitive. Schedule a no obligation call with a financial adviser to discuss your specific situation here.

We offer a free consultation for clients. You can book an initial conversation via our online booking form here or call us on 0800 121 122.

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