Empowering Your Future with Strategic KiwiSaver Guidance
Get Your 15-Minute KiwiSaver Health Check
Are you on track for retirement? Many Kiwi are in the wrong fund for their age and goals. Don’t let default settings shape your future - get in touch today and set your KiwiSaver on the right path.
KiwiSaver isn't just a savings account, it’s one of your most powerful investment tools. At Flax Financial, we help you navigate your financial landscape to ensure your fund aligns with your goals and life stages - from your first home to your best retirement.
There is no "perfect" fund, but we help you find the best one for you!
What’s required and Flax Financial’s role
What’s Required: Contact us, and we’ll send you a link to a short fact-find. You’ll complete a few details and a quick risk assessment so we have what we need to get started.
Our Role: We do the research and provide an unbiased comparison of the providers we work with (Generate, Milford, NZ Funds, and Booster) to help you choose the structure that best fits you, your goals and timeframe.
At Flax Financial, we help you navigate your financial landscape to ensure your fund aligns with your goals and life stages - from your first home to your best retirement.
Core Service Pillars
Right Fund, Right Time
Are you in a Default, Conservative, or Growth fund? We analyse your risk profile to ensure your money is working as hard as you are.
Optimisation & Growth
We review your contribution rates (3.5% to 10%) to show you how small changes today can impact your balance in 20+ years.
First Home Strategy
Navigating your first home purchase and KiwiSaver withdrawal rules can be tricky. We help you use KiwiSaver as a strategic deposit builder to get you into your first home.
What the April 1, 2026 KiwiSaver Changes Mean for You
New Default Rates: The minimum contribution for employees and employers has officially increased to 3.5%.
Youth Contributions: If you are 16 or 17, you are now entitled to employer matching contributions at the 3.5% rate - a massive head start for young earners but only if you are signed up to KiwiSaver.
Government Contribution: Ensure you contribute at least $1,042.86 annually to receive the maximum government boost of $260.72.