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HOW WE WORK
LET'S TALK ABOUT YOUR GOALS AND PRIORITIES
BETTER RECOMENDATIONS
BRIGHTER FUTURE
Because your future deserves clarity
At Lucid Advisory, we believe your financial future shouldn’t be a mystery. We provide clear, personalised advice that helps you make confident decisions about your money. From KiwiSaver to tailored investment strategies and comprehensive financial planning, we’re here to guide you every step of the way.
We know life doesn’t come with a manual — especially when it comes to finances. That’s why our role is to simplify the complex, remove the jargon, and help you focus on what matters most: achieving your goals and securing your future.
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Frequently Asked Questions
KiwiSaver
We’ll assess your goals, investment timeframe, and risk tolerance to determine if your current fund is the best fit. Many New Zealanders are in a fund that’s either too conservative or too aggressive for their situation — and a change can make a big difference over time.
Yes, most first-home buyers can withdraw a significant portion of their KiwiSaver savings for a deposit, as long as they meet certain criteria. We’ll help you check eligibility and understand the process.
At least once a year, or sooner if your circumstances change (e.g., income changes, home purchase plans, nearing retirement).
Investments
All investing carries some risk, but we help you understand and manage it. We’ll design a portfolio that balances potential returns with your comfort level and goals.
You don’t need a large amount to begin — in many cases, you can start with as little as a few hundred dollars. The key is starting early and being consistent.
Yes, we can create a portfolio focused on socially responsible and sustainable investments, aligning your money with your values.
Financial Planning
A financial plan acts as a roadmap for your money, helping you make smart decisions about spending, saving, investing, and protecting your wealth. Without one, it’s easy to drift off course.
We offer transparent pricing — you’ll always know exactly what you’re paying for. Depending on the service, we may charge a fixed fee, a percentage of assets under advice, or a combination.
Absolutely. We’ll calculate how much you’ll need, identify the best strategies to get there, and adjust the plan as your circumstances change.
General
Yes. Lucid Advisory operates under the Financial Markets Authority (FMA) regulations and complies with all New Zealand financial advice laws.
Our focus is on New Zealand residents, but we can assist Kiwi expats with certain services — please contact us to discuss your situation.
Book a free, no-obligation consultation. We’ll discuss your goals, current situation, and how we can help, then outline the next steps.