Plan
Why EMPIXO?
“Can’t I Get Financial Mentoring for Free?”
Yes, and for some people, that is absolutely the right choice.
New Zealand has free Financial Mentoring services, often delivered through community organisations and publicly funded financial capability programmes. They can be extremely valuable, particularly for people dealing with debt, hardship, urgent bills, creditors, food insecurity, housing instability, benefit issues, or simply needing help getting a basic budget under control.
If that’s the support you need, we may encourage you to use it. EMPIXO is not trying to replace free Financial Mentoring. We’re building something different.
Free Financial Mentoring Can Help You Get Back on Your Feet. EMPIXO Can Also Help You Work Out Where You Want Those Feet to Take You.
So Why Would Someone Pay for EMPIXO?
Because not everybody looking for financial help is in financial hardship. You might be earning good money. You might own a home, run a business, have investments, be preparing to buy property, be moving countries, want to understand KiwiSaver, want to build wealth, or want to improve your financial systems.
Or you might simply feel:
“I’m doing okay, but I know I could be doing more with what I have.”
1
Access When You Need It
Availability of free Financial Mentoring can vary between organisations and regions. Some services may have waiting lists or limited appointment availability. In some areas, accessing the right service can also involve travel.
EMPIXO is online. You can work with us from home, the office or overseas. No travelling across town. No needing to live near a particular community provider. Book an available appointment online. Pay online. Meet online.
Your time matters too.
2
Private One-to-One Support
EMPIXO Mentoring is a private, paid relationship between you and EMPIXO. We are not an MSD-funded Financial Mentoring provider. Your information is managed under EMPIXO’s own Privacy Policy and applicable New Zealand privacy law.
Some publicly funded financial capability services operate within government-funded service and reporting frameworks. If privacy or information-sharing arrangements matter to you, it’s worth asking any provider, free or paid, how your information is collected, recorded and reported.
With EMPIXO, we want you to understand exactly how your information is handled before you begin. See our Privacy Policy.
3
Beyond Basic Budgeting
Budgeting matters. But financial capability is much bigger than a weekly budget. At EMPIXO, conversations can extend into areas such as:
4
Experience Across More Than One Part of Finance
EMPIXO brings together experience from across the financial journey, spanning banking, lending, Financial Mentoring, financial hardship, financial education, small business, property and personal wealth-building.
That means a conversation doesn’t have to stop at “here’s a budget.” We can also ask:
How could you increase your income? How are you using debt? Are you financially prepared to buy? Do you understand your KiwiSaver? Are you building assets? How resilient are you to a financial shock? What does retirement look like? Who should be in your Tight Five? Are you Advice-Ready?
That’s a broader financial capability conversation.
5
From Financial Stability to Financial Progress
Different people need different support.
Free community Financial Mentoring plays a vital role, particularly around crisis, hardship and financial stability. EMPIXO can work further along that journey too.
Maybe you’ve already achieved stability. Now you’re asking “how do I actually move forward?”
That’s where the conversation changes from simply surviving financially to building financial capability, opportunity and long-term outcomes.
6
We Have Time to Go Deeper
The knowledge, experience and scope of individual Financial Mentors and organisations naturally varies. EMPIXO’s service is intentionally built around a broader financial capability and progression model, structured as a paid private service that allows us to build each session around the individual client and the service they’ve purchased.
That can include preparation, a dedicated one-to-one meeting, education, tools, your Financial Report Card, planning, resources, actions, follow-up, and ongoing accountability if required.
You’re not just purchasing an appointment. You’re purchasing a professional process around the appointment.
7
We Want to Help You Become Advice-Ready
Sometimes a client isn’t ready to walk straight into a mortgage, investment or insurance conversation. They need to understand themselves first, covering their financial position, their goals, their risks, their numbers, their questions, their timeframe.
That’s why EMPIXO sits between information and advice. We help you learn and plan so that when the time comes to seek specialist or regulated advice, you’re better prepared to use it.
Educate First. Empower Always.
8
We’re Not Here to Take Over Your Money
You stay in control. EMPIXO does not take control of your bank accounts, hold your funds or manage your day-to-day money for you. We also don’t want you becoming dependent on your mentor. The aim is the opposite.
We want you to become increasingly capable of saying:
“I understand this.” “I know what questions to ask.” “I know what I need to do.” “I know who I need in my corner.” “I’ve got this.”
Free Financial Mentoring vs EMPIXO Financial Mentoring
A side-by-side look at where each option fits. Neither is “better”; they’re built for different moments in your financial journey.
| Free Financial Mentoring | EMPIXO Financial Mentoring | |
|---|---|---|
| Cost | Free | Paid |
| Typical delivery | Community / provider based | Private EMPIXO service |
| Access | Availability varies by provider/region | Online booking |
| Delivery | In-person / phone / online varies | One-to-one online |
| Hardship & debt | Often a major focus | Can discuss, but not designed as an emergency hardship service |
| Budgeting | Yes | Yes |
| Financial education | Yes | Yes |
| Wealth-building education | Varies | Core part of broader capability work |
| First-home preparation | Varies | Yes |
| Investing education | Varies | Yes (education, not product advice) |
| KiwiSaver education | Varies | Yes |
| Property & borrowing education | Varies | Yes |
| Income & career thinking | Varies | Yes |
| Small business finances | Varies | Yes |
| Moving to NZ / international | Varies | Yes |
| Financial Report Card | Not offered | EMPIXO framework |
| Tight Five | Not offered | EMPIXO framework |
| Advice-Ready preparation | Varies | Core concept |
| Regulated product advice | No / separate service | Not through Plan; Act is being developed |
Still Not Sure Which Is Right for You?
If you’re currently in financial hardship, please start with MoneyTalks, New Zealand’s free, confidential financial helpline.
MoneyTalks
Call: 0800 345 123 · Text: 4029 · help@moneytalks.co.nz
Not sure? A free EMPIXO Discovery Chat is a good place to work it out together, and if we think free support is the better fit, we’ll say so.
Ready to See What EMPIXO Can Do for You?
Start with a free online Discovery Chat. No obligation, no product pitch.
EMPIXO
Educate First. Empower Always.
Learn → Plan → Act → Live the Outcome.