The initial discussion is without advice, charge or commitment. No charges will be incurred nor advice given until we've agreed about what you want us to do.
Protect your income and safeguard your family when you need it most. We offer sensible and personalised advice with a range of insurance solutions. Get budget-friendly health insurance, trauma cover, life insurance, and income protection for people in Nelson Tasman.
Most people insure the family home. However, they forget that their biggest asset isn’t the house – it’s the ability to earn an income. Work out roughly how much you will earn between now and 65 – is it worth protecting?
Investment and savings advice
There is a lot of work involved in the initial planning and set up phase of lump sum investments therefore we charge an initial $595 flat fee towards some of these costs (when investing through a family trust, this increases to $795). There is no initial set up fee for regular savings or KiwiSaver. The table below outlines the ongoing charges for investment advice. These are paid directly to Castle Trust by the product providers by deduction from the funds invested.
The above fees exclude GST.
Regular savings 0.5% p.a.
KiwiSaver 0.25% p.a.
Lump sums 0.95% p.a. up to $1m; 0.75% next $1m; 0.5% over $2m
UK pension transfers Castle Trust does not charge to transfer your UK Pension to NZ. There is an ongoing investment advice fee of 0.75% p.a.
Castle Trust receives commissions from the bank and non-bank lenders with whom we arrange mortgages. The amount of the commission is based on the amount of the mortgage and the rate of each lender – these can be seen at the end of this document. Where we arrange a mortgage with a non-bank lender there may also be a fee charged to the client, however, this will be discussed and agreed beforehand.
There are sometimes occasions where we need to charge for our time. This will be agreed before hand. Our hourly rate is currently $250 +GST. Fees are subject to change, however, this will be discussed and agreed in advance.
Our full disclosure information including commission rates for insurance and mortgages is available here.
Your better financial future starts here
Your better financial future starts with a conversation with one of our financial experts. We offer 30 minutes free consultations to help give you peace of mind that we can help you where you need it most.