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Terms of Engagement

Client onboarding in2 minutes, not 45

Generate legally-compliant Terms of Engagement documents with automatic data population, transparent fee disclosure, and secure electronic signatures. Transform compliance from a time-consuming task into a seamless client experience.

95%

Faster than Word

Reduced

Data entry errors

100%

Compliance ready

What's Included in Every TOE

Advice Scope

Services provided

Fee Disclosure

Transparent pricing

E-Signatures

Mobile optimized

Audit Trail

Full compliance

Time Savings & ROI

95% faster than manual creation

Stop spending 45 minutes per TOE. With automatic data population and reusable templates, create professional documents in 2 minutes.

Traditional Word Process

45 min

Open last year's Word template

2 min

Find/replace client names

5 min

Update addresses and contact details

3 min

Manually update fee amounts

4 min

Check all legal clauses are current

8 min

Fix formatting issues from changes

5 min

Check advice scope checkboxes

3 min

Review and proofread for errors

10 min

Save, export to PDF, email to client

5 min
Total Time45 minutes

Plus risk of manual errors and formatting inconsistencies

Wealthie Platform

2 min

Select client household

10 sec

Choose TOE template

5 sec

Click 'Generate'

5 sec

Review auto-populated data

30 sec

Generate secure client link

15 sec

Send link to client

15 sec
Total Time2 minutes

Minimizes data entry errors, consistent compliance, professional every time

Fewer Errors

Automatic data population eliminates most find/replace mistakes

Always Current

Templates ensure all legal clauses are up-to-date

Better Experience

Clients receive and sign documents in minutes, not days

Fee Transparency

Crystal-clear fee disclosure

Meet NZ regulatory requirements with professional fee disclosure that builds trust and ensures transparency. Clients see exactly what they're paying, how, and why.

One-Off Fees

Fixed fees for initial advice or project-based work

Advice Fee$1,500

Including GST

One-time fee for comprehensive financial plan

  • Fixed amount in NZD
  • GST inclusive or exclusive
  • Custom description field

Percentage Fees

Ongoing fees as a percentage of assets under management

Ongoing Fee1.2% p.a.

Calculated annually, Including GST

Based on total portfolio value under management

  • Percentage of AUM
  • Calculated per annum
  • GST handling options

Tiered Rates

Different rates for different asset levels with minimum fees

Fee Structure

$0 - $500k1.5% p.a.
$500k - $1M1.0% p.a.
$1M+0.75% p.a.

Minimum fee: $1,200 annually

  • Multiple rate tiers
  • Minimum fee option
  • Auto-calculation display

Fixed Ongoing Fees

Set dollar amounts charged monthly, quarterly, or annually. Example: $250 per month for ongoing advice services.

NZ Regulatory Compliance Built-In

All fee structures comply with Financial Markets Conduct Act disclosure requirements (Regulations 229A-229J), ensuring clear, transparent communication with clients.

Clear Disclosure

All costs upfront

GST Handling

Clearly stated

Professional Format

Builds trust

Electronic Signatures

Terms made efficient

Electronic signatures that comply with NZ Electronic Transactions Act 2002. Clients sign from any device with full audit trail for regulatory compliance.

Seamless Client Experience

Email Verification

6-digit OTP sent to client's email for identity verification before viewing

  • • 10-minute expiration for security
  • • Prevents unauthorised link sharing
  • • Separate codes for main + partner

Mobile-Optimised Signing

Touch-friendly signature canvas with automatic backup system

  • • Signature backup every 300ms
  • • Auto-restore if signature disappears
  • • Prevents accidental scrolling loss

Multi-Signer Support

Separate signature pads for main client and partner

  • • Each signer verifies separately
  • • Independent signature capture
  • • Both signatures in audit trail

Complete Audit Trail

What Gets Captured

Signature Images

Base64 encoded, permanently stored

Timestamp & IP Address

Exact time and location verification

Email Verification Status

Confirmed identity before signing

Device & Browser Info

User agent for audit purposes

Complete Session Log

All actions timestamped

Security Layers

Unique token per document
Optional password protection
Email OTP verification
Encrypted data transmission
Trusted by CFP Accredited Advisers

Ready to transform your financial advice practice?

Join financial advisers using Wealthie's agentic document generation to streamline their practice and deliver better client outcomes with seamless data integration.

Live data integration with your modelling and CRM platform for instant document generation

Digital sharing with one-click link generation and secure client delivery & access

Smart templates for SOAs, TOEs, discovery forms, and all essential advice documents

Meaningful time savings turning hours of manual work into minutes of review time

Included with modelling and CRM plans — document generation comes standard with all Wealthie subscriptions.

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