Who We Help _
Trusted advice for every financial stage
At Rutherford Rede, we work with New Zealanders at every stage of their financial life. Whether you’re building wealth, preparing for retirement, enjoying life after work, or managing wealth for others, we provide clear, evidence-based advice to protect and grow your financial future.
Individuals
Building Wealth
For professionals, business owners, and independent investors
In your earning and accumulation years, your focus is on growing your assets without losing sight of security. We’ll help you structure your investments, make tax-smart decisions, and align your wealth strategy with your personal and professional goals.
We can help with:
Strategic investment planning and portfolio management
Business succession and exit planning
Tax-efficient strategies for wealth growth
Balancing growth with security
Preparing for Retirement
For pre-retirees seeking clarity and confidence
You’ve worked hard to build your wealth, now’s the time to ensure it’s structured to support the next chapter. We’ll help you create a clear retirement plan, assess the feasibility of your retirement spending goals, and help you plan for providing financial support to your loved ones.
We can help with:
Retirement income modelling
Asset allocation that balances risk and return
Timing and structuring withdrawals
Estate and succession planning
Living in Retirement
For retirees wanting to make the most of life after work
Retirement should be about living on your terms, not worrying about money. We’ll work with you to manage your investments behind the scenes, manage your income stream, as well as helping you align your wealth with the lifestyle you wish to enjoy and the legacy you hope to leave.
We can help with
Ongoing investment management
Income sustainability planning
Funding lifestyle goals and travel
Protecting and transferring wealth
Separation, Divorce or
Sudden Change
Navigating separation, loss, or sudden change
If you have a lump sum to invest, the key question is not what to invest in, but how to invest it well. We help you take a measured, evidence-based approach that aligns with your goals, timeframe, and tolerance for risk, without pressure or product bias.
We can help with:
Structuring and investing lump sums
Portfolio construction and asset allocation
Managing risk and market volatility
Ongoing investment oversight and review
Moving or Returning to
New Zealand
For people relocating, returning home, or resettling financially
Relocating to New Zealand often brings financial complexity. Overseas assets, pensions, tax rules, and timing decisions all matter. We help you bring everything together, so your finances are structured clearly and compliantly from day one.
We can help with:
Structuring overseas assets and income in NZ
Tax considerations for returning or new residents
Investment strategy when transitioning jurisdictions
Setting up a clear financial plan for life in NZ
Money to Invest
For people seeking confident, independent investment advice
Life can change quickly, and financial decisions often feel heavier during these times. Whether you’re navigating separation or divorce, managing finances after a loss, or adjusting to a major life shift, we provide steady, practical support to help you regain clarity and confidence.
We can help with:
Rebuilding financial structures after separation or divorce
Clear, easy-to-follow financial planning
Investment and cash-flow guidance during transition
Support for those managing finances alone for the first time
Family Trusts
& Estates
Managing wealth for others
For trustees and families responsible for long-term wealth
If you’re overseeing family wealth, supporting children or grandchildren, or managing a trust or estate, we provide structured, governance-focused advice that helps you carry out your responsibilities with confidence. Our role is to help you preserve wealth, manage complexity, and plan for future generations.
We can help with:
Trustee and governance advisory
Intergenerational wealth transfer
Trust and estate oversight and planning
Managing complex family financial dynamics
Charities & Foundations
Financial stewardship for lasting impact
For charitable organisations seeking responsible stewardship
Charitable trusts and foundations carry a unique responsibility. We help you follow best-practice governance, manage investments responsibly, and create financial structures that support long-term impact. Our CEFEX-accredited approach provides clarity, accountability, and peace of mind for boards and stakeholders.
We can help with:
Institutional investment management
Fiduciary and governance support
Philanthropic and mission-aligned investment strategies
Long-term sustainability planning
FAQ’s _
Your questions,
answered
-
Unlike many banks, brokers, fund managers, and other advisers in the market, Rutherford Rede is independent of product manufacturers and places a strong emphasis on building long-term relationships, taking the time to understand each client's unique circumstances, objectives and values before providing objective advice and ongoing stewardship of their wealth.
-
It’s never too early to start. The earlier you plan, the more flexibility and choice you’ll have when you retire. Even if retirement is 10–15 years away, a clear strategy can help you benefit from compounding returns, tax efficiencies, and smart KiwiSaver decisions.
-
Look for an independent, fee-only adviser who acts as a fiduciary and puts your best interests first. Check their credentials, understand their investment philosophy, and ask how they’re paid. Rutherford Rede is CEFEX-accredited, meaning we meet rigorous international fiduciary standards.
-
Fiduciary advice means your adviser is legally and ethically required to act in your best interests. We avoid situations where commissions or affiliations can create conflicts of interest.
-
Yes. We regularly work alongside legal teams to help clients navigate the financial side of separation. This includes asset division, budgeting for a new stage of life, and investment planning to protect your long-term security.
-
We don’t set strict minimums. The clients we work with come from a wide range of backgrounds, but they all share something in common, they value expert guidance and are committed to building a strong financial future. If you’re looking for a trusted partner to help you make confident financial decisions, we’d be glad to talk.
-
Yes. We help returning Kiwis and new arrivals structure their finances, understand tax obligations, and make the most of cross-border opportunities. We also coordinate with international legal and tax experts.
Your situation is unique, but the first step is simple.
If you're wondering whether we're the right fit, let's talk.
You don’t need to know the right questions. You just need to start the conversation.