Rich McKenzie
financial adviser - strategy & planning
Rich helps everyday Kiwis get clear on where they’re going financially and, most importantly, what they need to do next to get there.
He takes a practical, down-to-earth approach to financial planning, helping clients turn their goals into a clear strategy for building wealth and long-term financial security.
Hi, I’m Rich.
My wife and I purchased our first property 20 years ago, and we’ve been investing ever since to support our family.
Like most people, I’ve learned a lot along the way - what works, what doesn’t, and how small decisions made early can have a big impact over time.
Before moving into financial planning, I spent my previous life as an account executive in the telecommunications sector. I did well financially, but I reached a point where I wanted my work to feel more meaningful and genuinely help people.
These days, I specialise in helping everyday Kiwis make smarter investment decisions, get more from their KiwiSaver, build wealth through property and bring all the pieces of the puzzle together.
My approach is straightforward and practical. It’s about getting the foundations right and helping people understand their options, so they can make progress in a way that suits their life.
Most people don’t need more information.
They need someone to join the dots and say:
“Here’s what you’ve got”
“Here are your options”
“Here’s a simple plan”
“I’ll sort this for you”
That’s the way I work - practical, calm, and straightforward.
KiwiSaver
A quick check of your KiwiSaver can make a big difference over time.
Almost everyone has KiwiSaver, but how do you know if it’s actually working hard for you?
There are 200+ KiwiSaver options out there, and returns and fees can vary a lot.
I help you:
understand what you’re currently in
check if it fits your goals + timeframe
compare options clearly
make a confident decision
A 30-minute check-in is usually all it takes to see if your KiwiSaver’s on track.
How it works
Step 1 - Quick chat
We’ll talk about where you’re at, what you want to achieve, and where you’d like some guidance. If I can help, I’ll let you know what working together could look like and any fees involved.
Step 2 - Make a plan
We’ll work through the bigger picture and create a clear strategy, so you know what to do next and why.
Step 3 - Make it happen (and keep moving forward)
A plan is only valuable if you put it into action. We’ll help you follow through, keep things moving, and turn your plan into real financial progress.
Simple. Clear. Done with you.
Holistic Support
The Guardian Difference
I’m part of the team at Guardian, which means if you need help beyond planning and investment - you’re not on your own.
If your situation calls for it, we can bring in support around things like mortgages and insurance; so everything stays aligned and joined up.
I actually came to Guardian as a client first. What stood out to me was the holistic approach - everything was looked at together, not in silos. Mortgages, KiwiSaver, budgeting, investing, and long-term goals were all aligned.
That experience played a big part in why I chose to join the team.
FAQs.
How it works
Do you charge for a chat?
Nope. First chat is just a no-pressure conversation to see if I can help.
What does it cost to work with you?
It depends on the advice and support you need. If we think we can help, we’ll explain what working together could look like and any fees involved before you decide to go ahead. Check out our Packages page for our most popular options.
I know I should be doing more with my money, but I’m not sure what?
That’s exactly where many of our clients start. You don’t need to have the answers — that’s our job. We’ll help you get clear on your options, work out what makes sense for you, and create a plan for what to do next.
Can you help with investment property as well as other investments?
Absolutely. Whether you’re considering property, managed investments, KiwiSaver or a combination, we’ll look at the bigger picture and help you understand which strategies best fit your goals.
I haven’t looked at my KiwiSaver in years…
You’re not alone. We can review how your KiwiSaver is invested, whether it’s appropriate for your goals and timeframe, and make sure it forms part of your wider financial strategy rather than simply ticking along in the background.
Your Money. Your goals. One Clear Plan.
Money feels a lot easier when you know what to do next.
Rich helps bring your financial world together — from KiwiSaver and investing to property and your longer-term goals — so every decision is working towards the future you want to create.
No guesswork. No overwhelm. Just a clear plan and the confidence to move forward.