KiwiSaver adviser NZ
Your KiwiSaver adviser, Kyle Imeson
See where your KiwiSaver stands in 60 seconds. Information only, then a real conversation if you want one.
Independent, straight-talking, and zero pressure. It’s your returns that matter here.
- Licensed by the FMA
- Independent
- One adviser, start to finish
Illustration only. Drag the slider (age 18 to 65). Assumes a $0 starting balance at 18, a flat $400 a month in contributions across a working lifetime, 3.0% p.a. vs 6.0% p.a., net of fund fees, before tax and inflation. Not a projection of any particular fund or of your own KiwiSaver. Returns are not guaranteed and past performance is no guide to the future. Funds aiming for higher long-term returns usually have bigger ups and downs along the way.
Independent advice across our provider panel
5.0 stars from 149 Google reviews
“When I approached Kyle about getting my kiwi saver assessed and changed over to the right scheme for me I was given feedback that related to my goals not just a number in a system. Kyle was efficient and communicated with me at every step and continues to do so. I highly recommend working with Kyle.”
Scott H., 2025, Google review “Kyle helped my husband and I change our KiwiSaver to a suitable fund after we purchased our first home. It was so quick and easy, and stress free. 100% recommend Kyle for all your kiwi saver needs.”
Ashlee P., 2025, Google review “Kyle has been amazing with all the help he has provided us with over the last year from assisting me with our first home loan to now helping me with my Kiwisaver, would highly recommend his services to anyone who needs them.”
Cyprian M., 2025, Google review
Reviews are of Summit Wealth Limited, including its years arranging home loans as Summit Mortgages. Rating as read on Google on 29 October 2026.
Summit Wealth Limited is a licensed Financial Advice Provider, FSP768791
Six providers on our panel. We work for you, not a bank or fund manager
Kyle Imeson advises every client personally, you always deal with the same person
The crossover
There's a tipping point
Every year, your KiwiSaver earns money on what's already inside it, and there comes a point where that alone is worth more than what you put in.
Illustration only. Assumes an example $70,000 salary, 3.5% employee + 3.5% employer contributions (the statutory minimum since 1 April 2026, rising to 4%+4% on 1 April 2028) ($4,900/yr, flat), and a 5.0% p.a. balanced-fund return, net of fund fees, before tax and inflation. Not a projection of any particular fund or of your own KiwiSaver. Returns are not guaranteed and past performance is no guide to the future.
Meet your adviser
Advice from a real person, not a platform
I've been in financial services since 2009: banks across New Zealand, London and Australia. In 2018 I left the banks to work for clients instead, and in 2025 Summit Wealth was born: fully specialised in KiwiSaver.
I'm a fully qualified financial adviser with a finance degree from Massey University. Away from work you'll find me in the outdoors with Sarah and our two kids, hiking, fishing, and spending far too much time restoring an old boat.
Kyle Imeson, Financial Adviser
- Financial adviser since 2009
- FSP768791, licensed FAP
- Massey University, Finance
- Matamata, advising NZ-wide
Serious balances deserve a second set of eyes.
On $50,000 or more in KiwiSaver, the return you keep after fees is the number that compounds. Over a few decades, a small difference in returns can add up to tens of thousands of dollars by 65, though funds aiming for higher returns usually come with bigger ups and downs. That's why it's worth knowing what your fund is set up to do and whether that still fits your plans.
Kyle is Summit Wealth’s only adviser. Every review is his own work, whatever the balance. On $50,000 or more, that’s exactly the point.
Also available to you
House or car insurance? Get a Tower quote
Clients and visitors can get a house or car quote straight from Tower online, in a few minutes. You deal with Tower for the quote and for the policy. We just point you at the door.
This is a quote from one insurer, Tower. It's not a comparison of the market.
Summit Wealth Ltd earns an ongoing commission from Tower on any policy bought through this link. Disclosed here, in the same place as the link, not on a separate page. This is a direct quote from Tower, not financial advice.
From the blog
Worth a read
- June 2026 KiwiSaver returnsWhat one year of fund numbers actually tells you, by risk band.
- Contribution rates 2026What 3.5% + 3.5% means for your pay, and what’s still ahead in 2028.
- All KiwiSaver articlesExplainers and quarterly notes from Summit Wealth.
Regulatory detail lives on our disclosure page.
Every KiwiSaver has a summit. Let’s find the shortest, steadiest path there.
Book a no-obligation 30-minute review