About Us
The Founders of Cambridge Partners recognised a need for clients to receive advice in a way that was fully transparent. That is why we became independent Financial Advisers.
What it means to be independent
There are many ways to invest and many advice firms to choose from. But it can be hard to choose the best one for you.
We established Cambridge Partners to help you make better financial decisions. We believe that taking the time to understand your situation is essential in providing financial advice backed by evidence-based research.
Our team has the depth of skill and experience to help you on your investment journey throughout your life. We pride ourselves on our personal touch and establishing long-lasting relationships with you and your family.
As an independent financial advice firm we place your interests above our own by investing your money in solutions that suit your needs. That’s the service you pay for. We don’t receive commissions or kick-backs from service providers.
Our goal is to give you peace of mind so you can focus on important things. That’s the Cambridge way.
Our commitment to excellence
FOCUSED ON SUSTAINABILITY
Toitū net carbonzero certification recognises our commitment to positively contribute to the sustainability of our future by measuring, reducing and offsetting our carbon footprint.
Quality Standards of Excellence
We maintain the highest standards of quality and excellence in our advice process and are certified by the Centre for Fiduciary Excellence (CEFEX). To maintain our certification, we have annual audits that foster a culture of continuous improvement within the firm and increased transparency and accountability.
Internationally Affiliated
Cambridge Partners is a founding member firm of the Global Association of Independent Advisors (GAIA) based in Switzerland. Within the group, 21 independent financial advisory firms are committed to putting clients’ interests first.
Investment Principles
Efficiency
We behave as if markets are efficient.
Diversification
We believe that diversification reduces risk.
Evidence
Evidence-based strategies can lead to higher returns.
Risk Return
Higher returns are earned through higher risk.
Fees
Managing fees, taxes and trading costs improve portfolio performance.
Efficiency
We behave as if markets are efficient.
Diversification
We believe that diversification reduces risk.
Evidence
Evidence-based strategies can lead to higher returns.
Risk Return
Higher returns are earned through higher risk.
Fees
Managing fees, taxes and trading costs improve portfolio performance.
Liquid Assets
Liquid assets are preferred to illiquid assets.
Long Term
Investors should take a long-term view whenever possible.
Due Diligence
Investments require regular due diligence.
Beyond Financial
Investments can deliver value beyond their investment return.
ESG
We take an environmental, social and governance approach to recommended investments.
Liquid Assets
Liquid assets are preferred to illiquid assets.
Long Term
Investors should take a long-term view whenever possible.
Due Diligence
Investments require regular due diligence.
Beyond Financial
Investments can deliver value beyond their investment return.
ESG
We take an environmental, social and governance approach to recommended investments.
Fees & How We Work
To ensure that our Financial Advisers prioritise your interests above their own, we follow an advice process that ensures our recommendations are based on your goals and circumstances.
We do not charge for an initial meeting where we get to know you.
Any fee charged to you subsequently will depend on the nature and scope of the advice or service we provide. We will discuss and agree on the actual fees with you before we proceed and explain how they are payable.
The following section outlines the types of fees that may apply:
Financial Advice & Wealth Management | |
Financial Plan: | Between $1,000 and $5,000. |
On-going advice: | See 'Standard Advice Fee Scale' table. |
Specialist Financial Advice | |
Investor Visa Financial Plan: | Between $1,000 and $5,000. |
US Citizens Financial Plan: | Between $3,000 and $8,000. |
UK Pension Financial Plan and pension transfer: | Between $1,000 and $5,000. Does not include external specialist advice (if applicable). |
Actual billing rates vary depending on the type and nature of the work involved. | |
KiwiSaver Advised Solution | |
Kernel KiwiSaver Plan Advised Solution: | 0.40% per annum. |
We offer two KiwiSaver Advised Solution options. Underlying KiwiSaver provider fees apply. All fees will be confirmed, along with an indication of the cost, when the advice is provided. | |
Standard Advice Fee Scale | ||
Fee Scale | Portfolio Size | Advisory Fee |
First $500,000 | $0 to $500,000 | 1.10% |
Next $500,000 | $500,001 to $1,000,000 | 1.05% |
Next $1,000,000 | $1,000,001 to $2,000,000 | 0.82% |
Next $3,000,000 | $2,000,001 to $5,000,000 | 0.50% |
Next $5,000,000 | $5,000,001 to $10,000,000 | 0.40% |
All other assets | Over $10,0000,000 | Negotiable |
All fees listed in the tables above are exclusive of Goods and Service Tax (GST).
Advice fees are usually tax deductible. Custodial fees are not subject to GST and are usually tax deductible. If you are in doubt, we recommend seeking confirmation from an accountant or tax professional.
The fees charged for our initial advice and ongoing services may be based on a combination of a set dollar amount or a percentage-based fee.
Depending on the investments selected, there may also be custody and investment management fees (charged by the product provider), and transaction (buy and sell) costs paid to the broker which will vary depending upon the security being traded and the exchange they are traded on. This information will be detailed when the advice is provided.
A quotation will be provided to you for approval before the services are provided. The quotation will specify the payment terms.
how we work
An Evidence-Based Approach
We follow an evidence-based approach and design investment portfolios based on academic research. This has led to the development of ten time-tested investment principles that we employ to improve your odds of success.
Would you like to know more?
Talk to us now to find out how we can help you achieve your goals.
Would you like to know more?
Talk to us now to find out how we can help you achieve your goals.