Plan
EMPIXO Financial Mentoring
Invest in Clarity. Build the Plan. Get Moving.
Sometimes the hardest part of money is not knowing what to do. It’s knowing where to start.
EMPIXO Financial Mentoring is a paid, one-to-one online service designed to help you understand your financial position, untangle what’s going on, build your knowledge and start taking practical action.
This isn’t about being judged. It’s not about being sold a product. And it’s not about someone taking control of your money. It’s about helping you become more confident, more capable and clearer about what happens next.
Learn Something. Keep Something. Do Something. Win Something.
EMPIXO coaching provides financial education, mentoring and decision support. It is not personalised regulated financial advice unless we expressly enter into a separate financial advice engagement with you. Mentoring vs Financial Advice →
Start With a Free Conversation
Choose Your Path
The experience behind EMPIXO coaching
EMPIXO coaching is led by Brett Cole, currently listed on the FinCap register as a financial mentor and a financial mentor supervisor, currently providing supervision to trainee financial mentors in New Zealand (status confirmed as current in July 2026). 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.
Free Discovery Chat
10 minutes · Online
Not sure whether EMPIXO Mentoring is right for you? Start with a conversation. Tell us what’s going on, what you’re trying to achieve and where you feel stuck. We’ll explain how EMPIXO Financial Mentoring works and whether we believe we can genuinely add value. If another service or professional is more appropriate, we’ll tell you that too.
No obligation. No product pitch. One free chat per person.
Financial Clarity Session
60 minutes · One-to-one online mentoring session
Sometimes you don’t need an entire programme. You need one focused conversation to untangle a financial problem, understand something better, work through a decision, get organised, identify your priorities and build a practical next step.
Bring the question. Bring the numbers. Bring the idea. Bring the mess. We’ll start where you are.
Includes:
- Preparation: where appropriate, we’ll review information you provide before the meeting
- 60-minute session: a private one-to-one conversation focused on your situation and goals
- Financial education relevant to what you’re working through
- Tools & resources you can continue using after the session
- Clear next steps: you’ll leave knowing what happens next
- A small win: something should move forward
Best for: people with a particular financial question, challenge, goal or opportunity who want professional support getting clear.
Online, wherever you are. Prices are in New Zealand dollars (NZD). If you pay from overseas, your bank converts the amount and may charge a small conversion fee. For clients outside New Zealand, sessions are general education and coaching, not advice on your country’s laws, tax or financial products.
Upcoming Availability
Times are shown in your local time zone. Availability is a live guide only. Your preferred time is secured after payment and final booking.
EMPIXO Financial Reset
3 × 60-minute one-to-one online mentoring sessions
“I need to get my financial life properly sorted.”
Rather than trying to solve everything in one meeting, we step back and work through your financial picture in stages, creating clarity, building capability and giving you a practical roadmap forward.
Session One
Untangle
Where are you now?
We understand your financial world, including income, spending, debt, savings, housing, KiwiSaver and more, and separate it into what’s urgent, important, working and what can wait. You don’t need to arrive organised.
Session Two
Learn + Plan
Where are you trying to go?
We build your Financial Report Card across areas like cash flow, debt, KiwiSaver and protection, then map your Roadmap: what’s Now, what’s Next, what’s Later.
Session Three
Move
Turn the plan into action.
We review progress, adjust the plan, and where appropriate start building your Team of Five, the professionals you may need in your corner.
The Financial Reset Includes:
From “I’m not really sure what I’m doing” to “I’ve got this. I know what happens next.”
Upcoming Availability
Times are shown in your local time zone. Availability is a live guide only. Your preferred time is secured after payment and final booking.
EMPIXO Momentum
Ongoing Financial Mentoring · 60 minutes · Online · Existing EMPIXO Mentoring clients
Building the plan is one thing. Sticking to it is another. EMPIXO Momentum is designed for existing clients who want continued accountability, financial education and support as their financial position develops.
Pay as you go. You’re not locked into a subscription. Book another session when you believe it will add value.
Upcoming Availability
Times are shown in your local time zone. Availability is a live guide only. Your preferred time is secured after payment and final booking.
Specialist Coaching
Focused Coaching for Specific Situations
Four focused, one-to-one online coaching services for when you know exactly which part of your financial world needs attention. Not sure which fits? Start with the free Discovery Chat above.
EMPIXO Banking Help
One-to-one online coaching session
Understand your banking. Set it up properly. Know what to ask for.
Practical coaching and education around everyday banking, household banking systems, business accounts, banking administration, POA-related banking processes, bank security, fraud and scam awareness, and preparing for important conversations with your bank.
Coaching and banking education only. Personalised recommendations about particular lending or regulated financial products are outside this service.
Upcoming Availability
Times are shown in your local time zone. Availability is a live guide only. Your preferred time is secured after payment and final booking.
EMPIXO Tax & IRD Coaching
One-to-one online coaching session
Understand the position. Get organised. Build a plan for what happens next.
Practical coaching around IRD debt, tax budgeting, organising financial information, understanding IRD processes and correspondence, Xero support, preparing for conversations with IRD or an accountant, and building systems for future tax obligations.
EMPIXO provides coaching, financial mentoring and general education, not specialist tax, accounting or legal advice.
Upcoming Availability
Times are shown in your local time zone. Availability is a live guide only. Your preferred time is secured after payment and final booking.
EMPIXO Small Business Coaching
One-to-one online coaching session
Understand the numbers. Build the systems. Get the business organised.
Practical financial coaching for people starting or running a small business, including cashflow, budgeting, separating personal and business money, Xero, tax provisioning habits, banking systems, record keeping, financial organisation, planning and getting into action.
General coaching and education only. Specialist accounting, tax, legal and business-structure advice should be obtained from the appropriate professional where required.
Upcoming Availability
Times are shown in your local time zone. Availability is a live guide only. Your preferred time is secured after payment and final booking.
EMPIXO Clubs & Community Organisations
One-to-one online coaching session
Practical financial, governance and administration support for clubs and community organisations.
Coaching may cover budgets, financial systems, funding and grants, committee processes, administration, policies and procedures, accounting organisation, member and volunteer systems, and turning committee decisions into action.
EMPIXO provides practical coaching and organisational support and does not act as the organisation’s lawyer, auditor, accountant, tax adviser or formal governance adviser.
Upcoming Availability
Times are shown in your local time zone. Availability is a live guide only. Your preferred time is secured after payment and final booking.
Unless otherwise stated, prices are in New Zealand dollars and include GST where applicable. Appointments must normally be booked at least 24 hours in advance. Payment is required at the time of booking. Refund, Cancellation & Rescheduling Policy →
Moving to New Zealand?
EMPIXO Expat Financial Mentoring
A separate pricing track designed for people relocating to New Zealand, who need help understanding banking, tax, housing, KiwiSaver, borrowing and cost of living here. This service does not cover immigration or visa advice.
Expat Discovery Chat
10 minutes, online
NZ Financial Orientation
60-minute session
NZ Financial Landing Plan
3 × 60-min sessions
Expat Momentum
Existing clients
What Are You Actually Paying For?
More Than an Hour Online
The visible part of Financial Mentoring is the conversation. But professional mentoring can also involve work before and after your meeting, including preparation, financial education, resources, tools, planning, session notes, actions, follow-up, professional experience, and perhaps most importantly: someone in your corner.
Clarity
Untangle something. Understand what’s actually happening.
Knowledge
Learn something. Build capability you can use again.
Tool
Keep something. A resource, framework or way of thinking.
Action
Do something. Turn the conversation into a next step.
Win
Move something forward. Small wins compound too.
An Important Boundary
Become Advice-Ready
There is a difference between Financial Mentoring and regulated financial advice. EMPIXO Mentoring sits within Plan. It’s designed to help you understand your financial position, build knowledge, get organised, clarify your goals, develop your questions, build confidence, and identify when professional advice may be needed. Then, when specialist or regulated advice is appropriate, we’ll support you to become Advice-Ready.
EMPIXO’s future regulated financial advice capability sits within Act, being developed separately and focused on eligible New Zealand financial advice matters, subject to the relevant licensing and regulatory requirements.
Online Mentoring
Work With EMPIXO From Wherever You Are
EMPIXO Financial Mentoring is delivered online. You may be living in New Zealand, a Kiwi living overseas, returning home, moving to New Zealand, managing financial commitments across countries, or simply looking for practical financial mentoring and education. Our mentoring service can work with clients internationally, subject to the nature of the service and applicable local requirements.
Kiwi Roots. Global Outlook.
EMPIXO’s regulated financial advice services are New Zealand-only. Where you require country-specific legal, tax or regulated financial advice, you may need an appropriately qualified professional in the relevant jurisdiction. GST applies to our services regardless of where you’re based when you book.
A Promise
You Remain in Control of Your Money
EMPIXO will not take control of your bank accounts or manage your money on your behalf. We will never ask for your internet banking password, PIN, authentication codes or security credentials.
Your Money. Your Decisions. Your Future.
How Booking Works
Payment first. Then choose your time.
Appointments must normally be booked at least 24 hours in advance.
Unless otherwise stated, prices are in New Zealand dollars and include GST where applicable.
What If I Need to Reschedule?
Need to change your appointment? You can reschedule free or cancel for a full refund when you give at least 24 hours’ notice. Cancellations within 24 hours and no-shows are normally non-refundable. Exceptional circumstances may be considered at EMPIXO’s discretion.
Experiencing Serious Financial Hardship?
Paid EMPIXO Mentoring will not be right for everyone. If paying for private mentoring would make your financial situation worse, please don’t. Free Financial Mentoring and community support is available in New Zealand.
MoneyTalks can help connect you with free support and services such as MoneyMates.
MoneyTalks
Call: 0800 345 123
Text: 4029
Email: help@moneytalks.co.nz
Online: Live chat available through the MoneyTalks website.
Sometimes the right outcome isn’t booking EMPIXO. Sometimes it’s helping you find the right support.
Not Sure Which Option You Need?
Don’t Guess.
Start with the free Discovery Chat. Tell us what’s going on. We can then discuss whether you might benefit from a Financial Clarity Session, the Financial Reset, ongoing Momentum Mentoring, one of our specialist coaching services, another professional, free community support or no paid EMPIXO service at all.
Start With the Conversation.
EMPIXO
Educate First. Empower Always.
Learn → Plan → Act → Live the Outcome.