What you can expect when working with us
This page is designed to help you understand what working with Moneyworks typically looks like - before you decide whether it’s right for you.
It outlines how the relationship usually begins, how financial planning works over time, and what your involvement looks like along the way. There’s no obligation to take the next step, and no expectation that you arrive with everything worked out.
Our aim is simply to make the process clear, so you can decide at your own pace whether this approach suits you.
What working with us looks like over time
How the relationship usually begins
For most people, the starting point is a conversation rather than a commitment.
We use that first meeting to understand what is going on in your life, what decisions are coming up, and whether our approach is likely to be useful for you.
There is no obligation to proceed, and no expectation that you arrive with everything worked out. The aim is simply to establish whether working together makes sense.
Planning as a foundation, not a one-off event
If we decide to work together, financial planning provides the structure for decisions over time.
This usually involves understanding your goals, cashflow, investments, and how different choices interact. The plan gives context, not certainty.
It is not designed to be static. It is designed to be revisited as life and circumstances change.
Ongoing advice and regular review
Most of our client relationships are long term.
We meet regularly to review progress, respond to changes, and adjust where needed. Some years are straightforward. Others are not.
Our role is to help you make decisions as they arise, rather than react to events after the fact.
What we expect from you
Working well together is a shared effort.
We expect openness, timely information, and a willingness to engage in decisions as your life evolves.
In return, you can expect thoughtful advice, clear communication, and an approach that puts long-term outcomes ahead of short-term noise.
Deciding whether this approach suits you
Not everyone wants an ongoing advice relationship, and that is fine.
This page is designed to give you enough information to decide, at your own pace, whether this way of working aligns with what you are looking for.
If it does, the next step is simply a conversation.
Where investing and ethics fit
Investing sits within the financial planning process - it isn’t the starting point.
Once there is clarity about what your money needs to do over time, investments are selected and managed to support that plan. Decisions about risk, diversification and time horizons are made in context, rather than in response to short-term market movements.
For many clients, how their money is invested matters beyond financial outcomes alone. Ethical considerations are often part of the conversation, alongside practical questions about suitability, trade-offs and long-term implications.
There is no single definition of “ethical investing”, and different people place weight on different issues. Our role is to help you explore what matters to you, understand the consequences of different choices, and make informed decisions that align with both your values and your wider financial plan.
A considered next step
If the way we work feels like a good fit, the next step is simply a conversation.
An initial discussion gives us both the chance to talk through what you’re looking for, how we work, and whether working together makes sense – without any obligation..
Moneyworks NZ Ltd
P: 0800 225 621
E: contact@moneyworks.co.nz
7c Hall Street, Cambridge 3434
Licensed Financial Advice Provider - FSP 15281
Regulatory Information: Moneyworks is a Licensed Financial Advice Provider (FSP15281), and AML Reporting Entity and is supervised by the Financial Markets Authority.