In addition to a keen interest in investments, Andrew is passionate about the holistic side of planning and developing strategies that guide clients towards achieving their life and financial goals.
His areas of expertise include retirement and succession planning, and residential aged care complexities.
He is well known in cricketing circles and has recently represented New Zealand in the over 50’s and over 60’s world championships.
Andrew is a Certified Financial Planner, an Authorised Financial Adviser, and an Accredited Investment Fiduciary.
I left a teaching career many years ago because I had a real interest in investments and financial matters, and in helping people. I started off on my own but after a few years I could see that joining up with other people and building a team would enable me to provide better advice to my clients, so Jacob, David and I established Bradley Nuttall and Associates way back in 1994.
Back then we saw that so much financial advice was influenced strongly by banks, insurance companies or the brokerage houses, so the advice was often linked to a commission, and that meant that people were recommended products that weren’t necessarily in their best interest.
Helping people lead the lives that they wish to lead. This involves assisting them to make good decisions about their money, and working closely with them to identify if there are any financial roadblocks or gaps. Helping them make good decisions then ultimately provides them with good financial peace of mind.
By helping clients think about WHAT is important, WHERE they are now, and WHERE they want to be ultimately provides them with much improved clarity, direction and confidence.
For some reason I’ve always been aware of the importance of money, even when I was a small child. I remember observing how careful my grandmother had to be to make ends meet. My own mother was very strict about saving on a regular basis and being prudent.
I think this awareness, combined with my teaching skills and the experience I’ve gained over many years in the financial industry, has helped me to work with my clients to help them achieve their financial goals.
When we formed BNL it was because we wanted to be the sort of financial advisers we would have like to use ourselves. We wanted to be transparent and not be influenced by external motivators such as commission. I’m really proud of the fact that we have stuck to these guiding principles all the way through, and they are what still drives us today.
I also love the fact that we are all salaried employees so we work together as a team. Our view is that our clients are clients of the team, not the individual. On occasions, an adviser needs input from another, which helps us provide better advice. That is not something that happens in many companies like ours.
I encourage people, couples in particular, to think about their early money memories. I try and get my clients to reflect on their formative years, maybe even as early as three. What messages about money did they receive back then? Couples sometimes come from quite different walks of life and often will have been given very different money messages.
So exploring these early money memories will help them understand both themselves and each other. This can be a huge help because, sadly, as we all know money can be a cause of friction and stress in relationships.
I have always been a keen cricketer, and have loved and benefited from the relationships and experiences cricket has provided. When my wife Jo and I had four children under five (including twins) you can imagine there wasn’t much time for cricket! Sport took a back seat for a while but as soon as I could I was back playing, and I’ve passed this love of the game onto my children. I've also coached schoolboy cricket for 15 years.
I still play cricket and have been fortunate enough to represent both Canterbury and New Zealand over 50s and 60s teams. There have also been other cricketing tours to some really interesting parts of the world.