Retirement Planning for NZ's Innovators & Entrepreneurs

Prepare today for the tomorrow you dream about. But for you, the path isn't standard. Your wealth is tied up in a business, stock grants, or the hustle you've built from scratch. Generic advice won't work.

You’re likely asking the right questions:

How much do I actually need to retire on my terms in NZ?
Am I on track for financial independence, or just getting by?
How do I turn my business, RSU's, or crypto portfolio into a sucure retirement income?
What if I live to be 100? Is my plan built to last?

These questions deserve clear, data-driven answers.

Specialist Retirement Advice, Designed for You

We focus exclusively on the financial challenges and opportunities facing New Zealand's tech professionals, business owners, and entrepreneurs.

For Tech Professionals

We help you strategise for early financial independence, creating a plan to maximise your high-earning years and effectively manage complex assets like RSUs and stock options.

For Business Owners

Your business is your life's work. We help you build a robust exit strategy, whether a sale or succession, that is fully integrated with your personal retirement goals to ensure you reap the rewards you deserve.

For the Self-Employed

You are your own pension plan. We help you structure your investments and savings in a way that provides the stability and growth of a traditional plan, but with the flexibility your career demands.

From Vision to Reality

Retirement isn’t about guesswork—it’s about clarity, precision, and a proven process. At Echo, we transform your aspirations into a step-by-step plan that turns intention into action.

Define Your Ideal Retirement

What does "retirement" mean to you? Is it stopping work at 50 to travel? Pursuing a passion project? Or simply having total financial freedom? We start by understanding your vision in detail.

Calculate "Your Number"

Using sophisticated cash flow modelling, we determine the precise amount you'll need to fund your ideal retirement. We factor in inflation, potential healthcare costs, and longevity, giving you a clear, reliable target.

Map Your complete Financial Picture

We account for every piece of your financial puzzle: KiwiSaver, investment portfolios, rental properties, the projected value of your business, and NZ Superannuation. This holistic view ensures no asset is overlooked.

Stress-Test Your Plan

We run multiple "what-if" scenarios. What if you retire at 60 vs. 65? What if markets are down when you need to start drawing an income? This rigorous planning identifies potential risks and builds a resilient strategy to withstand them.

Create Your Actionable Roadmap

You receive a year-by-year plan detailing exactly how much to save, how to invest, and when to make key moves (like paying off a mortgage or preparing a business for sale). We include clear milestones so you can see your progress and stay motivated.

Meet Your Financial Advisor

I'm Kevin Morgan, the founder of Echo Financial Advisors. As a solo advisor, my commitment is directly to you. My approach is built on a foundation of transparency and a deep understanding of the unique financial landscape for business owners and tech professionals in New Zealand.

I hold the New Zealand Certificate in Financial Services (Level 5, Investment Strand) and am dedicated to providing clear, unbiased advice that empowers you to take control of your financial future.