AI-agentic modelling for NZ advisers

Retirement modelling thatthinks like an adviser

An AI agent ingests the full client picture, runs Monte Carlo projections on a New Zealand-native engine, and drafts the Statement of Advice — all wired straight into your CRM and documents.

NZ tax + KiwiSaver nativeMonte Carlo built inCFP-trusted
wealthie · modelling agent
live

▸ Ingesting client profile · KiwiSaver · property · debt

▸ Applying NZ tax brackets + NZ Super eligibility

▸ Running Monte Carlo · 10,000 market paths

▸ Optimising drawdown across 8 scenarios

✓ Projection ready · drafting Statement of Advice

Success rate

0%

Peak net wealth

$0.0M

Scenarios

0

The agentic workflow

From client data to Statement of Advice

The Wealthie agent runs the whole modelling pipeline end to end — you stay in control, reviewing and adjusting at every step.

1

Ingest

Client profile, KiwiSaver, property & debt pulled from CRM

2

Reason

Agent applies NZ tax brackets, NZ Super & contribution rules

3

Model

Monte Carlo over 10,000 market paths on the NZ engine

4

Optimise

Drawdown & scenarios ranked for the best client outcome

5

Draft SOA

Statement of Advice generated, ready to review & send

AI copilot

Ask in plain English. Get a re-modelled answer.

Pose a what-if the way you'd say it to a client. The copilot re-runs the full projection on Wealthie's New Zealand engine and explains the impact — with the numbers to back it up.

+$0k

Balance at 65

0%

Success rate

−0yr

To retirement

What happens to Sarah's retirement if she adds $200/week to KiwiSaver?
Re-running the projection on the NZ engine… Adding $200/week lifts Sarah's KiwiSaver balance at 65 by ~$214k. Her plan success rate climbs from 78% to 94%, and she can retire a year earlier with the same lifestyle.
KiwiSaver projectionCurrent+$200/wk
One model, every angle

Cashflow, property, probability — covered

Every part of a client's financial life feeds the same projection, so the numbers always reconcile.

Cashflow analysis

$0K

Income

$0K

Expenses

$0K

Net

0.0%

Savings rate

Monte Carlo

0%success

10,000 market paths simulated

Property

0

Properties

$0.0M

Value

$0.0M

Equity

Unlimited scenarios

Compare strategies side by side — each re-runs the full model and ranks by plan success.

Base case78%
Retire at 6286%
Downsize home90%
Gift to family94%
Built for New Zealand

A calculation engine that speaks NZ

Not a US calculator with the currency swapped. Tax, KiwiSaver, NZ Super and ACC are modelled natively — and re-run every projected year.

01

Progressive tax brackets

Every dollar taxed at the correct NZ marginal rate, recalculated each year.

02

KiwiSaver rules

Employee, employer and government contributions, with PIR-aware returns.

03

Mortgage calculations

Amortisation, offset and lump-sum scenarios across multiple properties.

04

Investment volatility

Asset-class-specific return distributions feeding the Monte Carlo engine.

nz_tax.engine — resident · 2024/25
10.5%17.5%30%33%39%
gross_income$0
− PAYE (progressive)$0
− ACC earner levy$0
+ KiwiSaver credit$0
net_after_tax$0
Connected by default

Models that flow through your whole practice

Client data flows from the CRM into the model, and finished projections flow straight back out into compliant documents — no re-keying.

CRM

  • Client profiles & goals
  • Assets, debts, KiwiSaver
  • Auto-synced on update

Modelling engine

  • NZ-native projections
  • Monte Carlo & scenarios
  • Agent-driven reasoning

Documents

  • Statement of Advice
  • Branded client reports
  • One-click generation
Trusted by CFP Accredited Advisers

Ready to transform your financial advice practice?

Join financial advisers who are using Wealthie's agentic modelling tools to deliver better retirement outcomes for their clients with seamless team collaboration.

Comprehensive modelling for all aspects of your clients' financial lives

Agentic workflow that drafts the Statement of Advice while you stay in control

New Zealand-specific calculations for KiwiSaver, tax, and NZ Super

Team collaboration — work together with your entire firm seamlessly

Unlimited scenarios to help clients make better financial decisions

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