The financial management services we offer are designed to span your lifetime. They help you to achieve your ambitions and protect your desired standard of living. As your situation changes, your Spicers adviser can make adjustments to ensure you always have the combination of solutions that’s most appropriate for your current situation and long-term goals.
We offer a selection of cash and short-term savings products that ensure your most liquid assets are freely available. At the same time, they’re also helping you to achieve your long-term financial goals.
Cash management account
A liquid investment with a low risk and return profile. Your money is earning until you need it for regular expenses.
For short-term savings you can utilise our Mastertrust, which incorporates a selection of researched managed funds from a number of investment managers.
There are benefits to using KiwiSaver as a saving tool. Your Spicers adviser can discuss how New Zealand’s best-known savings plan can work for you.
Our wealth management services are designed for investors who have longer-term goals, such as financing a work-free lifestyle or better-than-average retirement. Once your financial plan has been created, a personalised investment portfolio is designed by a Spicers adviser, then carefully adapted to changing market conditions and life stages as the years go by. Advisers work with our Approved Product List, to select appropriate investment solutions. Our two main offerings are:
Our Master Trust solution (Client Unit Trust): This is a selection of researched managed funds from a number of investment managers with varying investment options into different asset classes. Depending on the size of your investment, it could be an ideal ‘one stop shop’ solution. Your Spicers adviser will recommend a CUT portfolio if it’s suitable for you.
A 24/7 online view of your portfolio, enabling you to see how your investments are doing, access performance reports and stay up-to-date with the latest market information. WealthView is available with investment portfolios that include managed funds (including the Client Unit Trust), direct equities and/or bond securities.
For New Zealanders who are investing money in KiwiSaver or some other kind of workplace superannuation solution, Spicers can add a layer of expert advice that can significantly improve savings performance. We can also help with pension transfers from Australia.
Your Spicers adviser can assist with choosing a provider. All providers offer a variety of funds, to match life stages and risk profiles, so you’ll also benefit from assistance with choosing the most appropriate fund.
If your employer has a private superannuation scheme, joining can be an effective way of saving for the future. Your Spicers adviser can help with decisions related to your employer’s scheme.
Trans-Tasman Portability - the ability to transfer your Australian superannuation scheme to New Zealand now exists. We can help invest your funds through a suitable KiwiSaver option.
If you are immigrating to New Zealand, or are an expatriate Kiwi returning home, Spicers can assist with a full range of financial services. Our expertise is particularly helpful if you have an existing investment portfolio that will require ongoing management.
Through our relationship with AMP, Spicers can provide a complete insurance service. Your Spicers adviser can look at your requirements and recommend the most appropriate solutions. Insurance types include:
Can provide some financial security for your family if you die or become terminally ill.
Can provide a secure source of income if you are unable to work due to accident, illness or injury.
Provides a lump sum in the event of a specified major illness, injury or procedure.
Provides a lump sum if you become totally and permanently disabled to the point where you are unable to work ever again.
A range of products to help keep your business safe and secure.
Protection against possible loss or damage to your vehicles, house and belongings.
Financial protection against unexpected events while you’re travelling.