Is your KiwiSaver working as hard as you do?
Independent, personalised KiwiSaver advice for the whole journey — first home to retirement, and every year in between.
Independent, straight-talking, and zero pressure. It’s your returns that matter here.
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. (default/mismatched fund) vs 6.0% p.a. (well-matched fund), 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.
Independent advice across our provider panel
Hundreds of Kiwis have trusted Kyle’s advice over nearly two decades
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
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.
KiwiSaver fund fees vary widely across the market — from under 0.3% to over 1.6% a year — and on a six-figure balance, that gap is worth thousands of dollars every year, before a single dollar of performance is different. The bigger your balance, the more a mismatched fund quietly costs on top of that.
Kyle is Summit Wealth’s only adviser — every review is his own work, whatever the balance. On a six-figure balance, 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.
Every KiwiSaver has a summit. Let’s find the shortest, steadiest path there.
Book a no-obligation 30-minute review