Financial plans typically range from NZ$600–$4,500 + GST based on complexity (agreed in writing). Ongoing portfolio management is a percentage of funds under management.

How are my investments held (custody)?

Athena Wealth does not hold client money. Investments and cash are held by third-party custodians/platforms such as NZX Wealth Technologies and InvestNow, in segregated custody accounts.

Athena Wealth NZ – Frequently Asked Questions (FAQ)

At Athena Wealth NZ, we’re an independent, fee-only financial planning and investment management practice focused on financial empowerment—especially for women—and closing the gender wealth gap in Aotearoa.

1) Who is Athena Wealth NZ?

Athena Wealth NZ is a licensed Financial Advice Provider (FSP1000025) delivering financial planning, portfolio construction, and ongoing investment management—independent of product providers.

2) Are you licensed and who is my adviser?

Yes. Athena Wealth Planning Limited holds a Class 2 FAP licence issued by the Financial Markets Authority (FMA). Your adviser is Sumita Paul (CFP^CM), FSP118344.

3) What services do you offer?

We provide financial planning, investment portfolio construction, and ongoing investment management. We also advise on shares, listed property, managed funds (including KiwiSaver), ETFs, and bonds.

4) Are you independent and fee-only?

We are fiercely independent and do not accept commissions or soft-dollar incentives. We rebate any product commissions and work strictly in our clients’ interests.

5) Do you advise on insurance or mortgages?

No. We do not provide advice on insurance, consumer credit, or mortgages (and we don’t provide tax, legal or accounting advice).

6) How do you charge?

Financial plans: typically NZ$600–$4,500 + GST, agreed in writing up-front based on complexity.
Ongoing portfolio management: a percentage of funds under management (FUM); details provided in your engagement.

7) How are my investments and cash held (custody)?

Athena Wealth does not hold client money. We use a reputable third-party custodian/platform, NZX Wealth Technologies, with your money kept separate from Athena Wealth’s funds.

8) What’s your investment philosophy?

We build well-diversified, long-term portfolios across asset classes, sectors and geographies, with a buy-and-hold orientation.

9) Do you offer KiwiSaver guidance?

Yes. KiwiSaver sits within the “managed funds and superannuation” scope of advice we provide as part of holistic planning.

10) What does the onboarding journey look like?

We begin with a Discovery Meeting, followed by a Letter of Engagement confirming scope, fees, and next steps. Once you approve, we prepare your plan and set up custody/platform arrangements to implement your portfolio.

11) Do you work with clients outside Auckland?

Yes— we work with clients across New Zealand, with virtual or in-person meetings.

12) How do you protect my data and privacy?

We comply with the Privacy Act 2020 and the Customer and Product Data Act 2025. Our Privacy and Cyber Security Policies govern how we collect, use, store, and protect personal information.

13) Do you use AI? If so, how?

We may use secure, privacy-aligned tools to improve efficiency, but all personalised financial advice is prepared and signed-off by a human adviser. We never share your personal information without consent.

14) What if I have a complaint?

We acknowledge all complaints within 24 hours, investigate promptly, and aim to resolve them fairly. If you are not satisfied, you can escalate to the Insurance & Financial Services Ombudsman Scheme (IFSO).