Act
Our Advice Vision
Advice Should Be the Result of Understanding, Not the Starting Point.
At EMPIXO, we're building financial advice differently. We don't believe a financial conversation should begin with a product. It should begin with you.
Where are you today? Where are you trying to get to? What's important to you? What are you worried about? What have you already built? What don't you understand? And what needs to happen next?
Only then should we start talking about financial products.
The EMPIXO Order
Learn First. Plan Second. Act When You're Ready.
Learn
Understand money, risk, debt, investing and the financial world around you.
Plan
Understand your own financial position and build a roadmap around the life you're trying to create.
Act
When specialist advice or a financial product is needed, get the right professional advice and put the plan into action.
Live the Outcome
Keep learning, adjusting and building over time.
This is a framework, not a queue. Start where you are. If you already know what you need, you won't be required to go through Learn or Plan first before using Act once it's available.
Because financial freedom usually isn't created by one big decision. It's built through years of good decisions compounding together.
What We're Building
We're Building the Act Side of EMPIXO
Our regulated financial advice capability is currently in development. Our vision is to build advice capability across:
Mortgages & Lending
First homes, refinancing, investment lending and lending strategy.
Expected First, Subject to Authorisation
KiwiSaver
Helping New Zealanders better understand one of the most important long-term financial assets many will build.
Investments
Helping people move from simply saving money to understanding how long-term investing can help build wealth.
Insurance
Helping people understand and protect the people, income and assets that matter.
Wealth Planning
Bringing the pieces together into a longer-term financial strategy.
We're Taking the Time to Build This Properly.
EMPIXO is in the early stages of working toward becoming a Financial Advice Provider, subject to the appropriate New Zealand registration, licensing and regulatory requirements. We would rather build the right advice business than rush to build one.
Founder Brett Cole holds the New Zealand Certificate in Financial Services (Level 5), Residential Property Lending strand, and brings extensive banking, lending and financial-services experience. Qualifications and experience like these support EMPIXO's capability, and mortgage and lending advice is expected to be among the first Act capabilities prepared. Regulated financial advice will only begin once the appropriate qualifications, licensing and/or Financial Advice Provider authorisation arrangements, adviser requirements and compliance processes are in place. Brett also intends further professional study over time, including investment advice, with insurance and protection potentially developed later.
Brett intends to work inside the future Act advice team himself, not as the only expert EMPIXO ever needs. The long-term model is a wider team of appropriately qualified advisers and specialists, built around EMPIXO rather than around one person.
Available Now
What Can You Do With EMPIXO Today?
Plenty. You don't need to wait for our advice services to start improving your financial position.
Through EMPIXO Learn, you can build your financial knowledge using our articles, videos, resources and tools.
Through EMPIXO Mentoring, we can help you understand your current situation, organise your thinking, identify goals and build practical next steps.
And where your situation requires regulated financial advice that EMPIXO does not currently provide, we can help you recognise that need and, where appropriate, connect you with third-party professionals.
● Education and mentoring are available now.
🛠 EMPIXO regulated financial advice is being built.
Why We're Building It This Way
Education Before Product
Because we've seen what can happen when the financial industry starts with “What can we sell?” rather than “What is this person actually trying to achieve?”
We want clients to understand the why behind a financial decision, not simply sign a document because someone told them to.
A mortgage should fit the wider plan. KiwiSaver should make sense within the wider plan. Investments should fit the person's goals, timeframe and tolerance for risk. Insurance should protect something that actually matters. And wealth planning should connect those decisions rather than treating them as unrelated products.
Follow the Build
We're building EMPIXO in the open. Over the coming months, we'll share more about the development of our advice services, the people and partnerships behind them, and what each future service will offer.
In the meantime: Learn with us. Plan with us. Build with us. And when the Act side is ready, let's put the plan to work.
Learn. Plan. Act. Live the Outcome.
Educate First. Empower Always.