Plan

EMPIXO Financial Mentoring

Get Clear About Your Money. Build Your Plan. Start Moving.

Sometimes you don’t need someone to sell you a financial product. You need someone to sit alongside you, understand what’s happening, untangle the financial picture and help you work out:

Where am I now? Where do I want to go? What do I need to understand? What should I work on first? Who might I need on my team? What’s my next move?

That’s EMPIXO Financial Mentoring.

A paid, one-to-one online service designed to help you build greater financial knowledge, organisation, confidence and direction.

No product sales. No product recommendations. Just you, your financial picture and what comes next.

Book a Free Online Discovery Call →

An Important Distinction

Financial Mentoring Is Different From Financial Advice

EMPIXO Financial Mentoring is currently a non-regulated-advice service. We help you understand financial concepts, explore your situation, organise your finances, identify goals and build practical next steps. We don’t currently recommend specific financial products through EMPIXO Mentoring.

So we’re not going to tell you:

Those conversations may require regulated financial advice. And when you reach that point, we’ll help you recognise it. Mentoring helps you get ready to make better financial decisions.

Who Delivers the Coaching

Experience Behind the Service

EMPIXO Financial Mentoring is currently delivered by founder Brett Cole, who is currently listed on the FinCap register as a financial mentor and a financial mentor supervisor, and currently provides supervision to trainee financial mentors in New Zealand. He also brings extensive experience across banking, residential lending, financial services and financial capability.

These financial mentoring and supervision credentials support the experience behind EMPIXO coaching. They are separate from regulated financial advice. EMPIXO coaching provides financial education, mentoring and decision support, not personalised regulated financial advice.

Read Brett’s full story →

Where We Start

Bring Us the Mess

You don’t need to get organised before meeting with us. That’s part of the work. Maybe you have debt, a mortgage, KiwiSaver, savings, a business, property, investments, bills, family responsibilities, a redundancy, a relationship change, an income problem, a goal you’ve been putting off, or simply a feeling that you should be doing better with your money.

Sometimes everything becomes tangled together and you don’t know which problem to attack first. That’s where we’re good.

We’ll slow things down. We’ll listen. We’ll help separate the issues. We’ll identify what’s important now and what can wait. And we’ll start turning one big financial mess into a series of smaller, manageable steps.

Clarity before complexity.

Behind Every Number

You Will Be Listened To

Behind almost every financial situation is a human story. Money can involve ambition, fear, family, relationships, mistakes, opportunity, stress, success, loss, and sometimes embarrassment.

We’re not interested in judging where you’ve been. We’re interested in understanding where you are and where you want to go next.

You should leave your EMPIXO session feeling:

And importantly: like you’ve got someone in your corner.

Every Session

Every Meeting Should Give You Something

We don’t want you leaving a mentoring session having simply had a nice conversation. Our goal is that every meeting moves something forward.

Learn Something. Keep Something. Do Something. Win Something.

Small But Real

Small Wins Matter

Financial freedom isn’t usually created in one meeting. It’s built over years. So we’re going to celebrate the smaller victories too. Your win might be:

Or simply saying: “For the first time in ages, I feel like I know what I’m doing.”

Small wins create confidence. Confidence creates action. Action creates momentum. And momentum compounds.

Build Your Financial Report Card

Once school finishes, nobody sends you home with a report card every six months. But another type of report card starts becoming increasingly important: your Financial Report Card. Not as a judgement. Not as a measure of your worth. As a way of understanding your financial position. How are you doing across areas such as:

You don’t need top marks everywhere. The purpose is to identify: what’s strong? What needs attention? What should we improve next?

Then we work on improving the report card one area at a time.

Build Your Tight Five

Smart People Don’t Go It Alone.

You don’t need to understand everything about finance. You need to understand enough to make good decisions and know who to call when you need expertise. Part of your EMPIXO journey can involve building your Tight Five: your trusted financial and professional network. Depending on your circumstances, that might eventually include:

You won’t necessarily need everyone at once. Your team will also change as your life changes. The important thing is building relationships with good people before the crisis arrives.

Smart people build good teams.

Getting Ready

Become Advice-Ready

This is one of the most important jobs of EMPIXO Mentoring. Eventually you may need professional financial advice. Great. Let’s make sure you’re ready for it.

Before you meet an adviser, we can help you understand your current financial position, your goals, your assets, your debts, your cash flow, your timeframe, what you’re trying to achieve, what you don’t understand, and the questions you need answered.

Then you enter the advice conversation with greater knowledge and confidence.

Get Advice-Ready. You’re not paying a specialist to discover that you haven’t figured out what you’re trying to achieve. You’ve already done the groundwork. Now you’re ready for the specialist conversation.

Where Mentoring Hands Off

And When It’s Time to Act…

We’ll tell you. There comes a point where education and mentoring aren’t enough. You might need personalised advice about a mortgage, KiwiSaver, an investment, insurance or wealth planning. Or you may need an accountant, lawyer, tax specialist or another professional. That’s when your Tight Five matters.

EMPIXO’s own regulated financial advice capability is currently being developed through EMPIXO Act. Until then, where regulated or specialist advice is required, we can help you recognise when you’ve reached that point and work alongside appropriate third-party professionals.

The Real Goal

We’re Building Your Capability, Not Your Dependency

We don’t want you to need a Financial Mentor forever. We want something much better. We want you to become better with money because you’ve worked with us.

Every meeting adds another piece: knowledge, tools, systems, connections, confidence, experience, better questions, small wins.

Eventually you start spotting things yourself. You understand more. You ask better questions. You know who to call. You become more comfortable making decisions. And your financial confidence starts to change, until eventually you’re saying:

“I’ve got this.” That’s empowerment.

100% Online

Work With EMPIXO From Wherever You Are

EMPIXO Financial Mentoring is currently delivered online, one-to-one. That means we can work together wherever you’re based. During a session we can talk face-to-face, share screens, work through numbers, look at resources and build your next steps together.

No travelling. No waiting room. No need to carry a folder of financial documents across town.

Your financial world is increasingly digital. Your Financial Mentor can be too.

No Wrong Starting Point

Who Is It For?

You don’t need to be in financial hardship to have a Financial Mentor. And you certainly don’t need to be wealthy. EMPIXO Mentoring can suit people who are:

Or simply thinking: “I’m doing okay. But I know I could be doing better.” That’s enough.

See More Situations We Help With →

The EMPIXO Belief

Start Before You Need the Product

This is what EMPIXO believes financial services can do better. Don’t wait until you need a mortgage to start thinking about money. Don’t wait until retirement to understand investing. Don’t wait for a financial crisis to build an emergency fund. Don’t wait until you desperately need an accountant to find one. Don’t wait until you’re ready to buy an investment before learning how investing works.

Start earlier.

Learn. Get organised. Build the plan. Build your team. Improve your Financial Report Card. Take some small wins. Become Advice-Ready. Then, when the time comes: act with confidence.

Risk-Free First Session

Your First Paid Session Should Provide Value.

Our promise: if your first paid mentoring session doesn’t deliver genuine value, tell us within 48 hours. We’ll either put it right at no additional cost, or refund your first-session fee, your choice.

We want you working with EMPIXO because you’re getting value, not because you feel locked in.

Start With One Conversation

You don’t need to know exactly what you need. That’s what the first conversation is for.

Tell us what’s happening. Tell us what you’d like to change. Tell us where you’d like to get to. We’ll start there.

EMPIXO Financial Mentoring

Untangle. Learn. Plan. Move.

Educate First. Empower Always.

Learn. Plan. Act. Live the Outcome.