Overseas Pension Transfers
KiwiSaver is one of the biggest financial decisions most Kiwis never actively make — the default settings just carry on in the background. We review your fund, fees and risk setting against your actual goals and timeline, and compare across the providers we work with.
How it actually works.
A review of your current fund's risk setting, fees and performance against your goals
Comparison across the KiwiSaver providers we work with, not just your current one
Advice on contribution rate and how it fits with your wider savings and debt
Support through first-home withdrawals, fund switches, or moving into retirement
This page is for you if…
Anyone who joined a default fund and has never reviewed it since
Kiwis getting closer to buying a first home or to retirement
People whose income, goals or comfort with risk has changed since they last checked their fund
Anyone who wants a plain-English second opinion on their current KiwiSaver provider
Two ways to get KiwiSaver sorted.
Going it alone
You compare policy wording and exclusions yourself, insurer by insurer.
No one flags it when your circumstances change and your cover no longer fits.
If a claim is ever declined, you deal with the insurer directly.
The cheapest premium today isn't checked against what it actually covers.
With a Smiths adviser
We compare KiwiSaver across the providers we work with, in plain English.
We review your cover again as your circumstances change, not just once at the start.
If you ever need to claim, we deal with the insurer on your behalf.
You get one recommendation based on your situation, not a single insurer's product.
Talk to an adviser about this.
Thirty minutes with a licensed Smiths adviser, no obligation. Leave your details and we'll be in touch, usually within one working day.
Full audit of your existing cover, fund, and policy wordings
Comparison across the providers we work with
A clear written recommendation in plain English
Implementation paperwork handled by us, not you
Why this is easier with an adviser.
Compare fund options and fees across the providers we work with, in plain English
Match your risk setting to your actual timeline, not just your age
Handle the paperwork if a switch or a first-home withdrawal makes sense
Stay on as your adviser for the next review, not just the first one
The KiwiSaver providers we work with.
KiwiSaver
Our advice covers the providers shown here, not every insurer or KiwiSaver provider in New Zealand. The panel can change, and we'll always confirm it when we give you advice.
Common questions about KiwiSaver.
Yes, moving your KiwiSaver balance between providers doesn't cost you anything directly, though it's worth reviewing the reason for a switch with an adviser first.
The right fund depends on your timeline and how you'd feel about your balance moving up and down, not just your age. A review looks at both before recommending a change.
Yes, we can talk you through the eligibility rules and help with the paperwork involved in withdrawing KiwiSaver funds to help buy a first home.
We're paid by the provider you end up with, and we'll always tell you plainly if that's relevant to a recommendation — see our disclosure statement for the full detail.
Other services in this area.
Talk to the team.
Book a free review with Craig, Guy or Henry. No fees, and we're there if you ever need to claim.