Cambridge Partners
Cambridge Partners is a Christchurch-based, fee-only financial advisory and wealth management firm managing over NZD $1 billion for New Zealand high-net-worth individuals, business owners, retirees, US expats, and KiwiSaver investors through evidence-based, segment-specialised advisory services.
- Company typePrivate
- Founded2017
- HeadquartersChristchurch, New Zealand
- Headcount11–50
- GTM typeB2C
- OfferingServices
What Cambridge Partners does
Cambridge Partners is a Christchurch-headquartered, fee-only financial advisory and wealth management firm serving clients throughout New Zealand. The firm was established in 2017 through the merger of two Christchurch-based predecessor practices — Bradley Nuttall Ltd (founded 1994) and iQ2 Private Wealth Ltd (founded 2009) — and operates with a team of approximately 31 advisers, operations, and governance staff. It holds Financial Advice Provider (FAP) and Discretionary Investment Management Service (DIMS) licences issued by the New Zealand Financial Markets Authority.
The firm delivers integrated financial planning and discretionary investment management grounded in an evidence-based investment philosophy anchored to Modern Portfolio Theory and the Fama-French Factor Model. Core offerings comprise Financial Planning and ongoing Wealth Management, supported by modules including cash flow modelling, tax structuring, estate planning, risk assessment, and ongoing portfolio review. Client assets are held under segregated custody across FNZ, NZX Wealth Technologies, and Interactive Brokers, with average fund-manager fees below 0.37% gross per annum and custodian fees starting at 0.18%. The firm operates eight segment-specific sub-brands — Business Owner Advisory, Busy Professionals & Executives, Retirement Planning, Active Investor Plus Visa, KiwiSaver Advisory, Expat & Overseas Investor, US Expat, and Women in Wealth — each with dedicated adviser coverage.
Cambridge Partners generates revenue primarily through recurring percentage-of-FUM advisory fees on a sliding scale (1.10% on the first $500k of FUM declining to 0.40% on $5M–$10M and negotiable above $10M), KiwiSaver advised-solution fees of 0.45–0.84% per annum, and one-time financial planning fees of NZD $1,000–$5,000. All commissions and fund-manager rebates are rebated to clients. Go-to-market is direct-advisory with content marketing, professional referral networks, and digital lead capture (retirement quiz, consultation booking). The firm manages in excess of NZD $1 billion of client assets and is adviser-owned, with no external parent or institutional investor.
Cambridge Partners firmographics
Firmographics- Name
- Cambridge Partners
- Legal name
- Cambridge Partners
- Website
- https://cambridgepartners.co.nz
- Company type
- Private
- Founded year
- 2017
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Cambridge Partners is a Christchurch-based, fee-only financial advisory and wealth management firm managing over NZD $1 billion for New Zealand high-net-worth individuals, business owners, retirees, US expats, and KiwiSaver investors through evidence-based, segment-specialised advisory services.
- Ownership category
- akta.pro rank
Where Cambridge Partners is headquartered
LocationHeadquarters
- HQ city
- Christchurch
- HQ country
- New Zealand
- HQ region
- Oceania
Offices1 record
Markets served
Cambridge Partners business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure, Others
Revenue model
- Financial Planning Fees: One-time fees for financial plan development and investment strategy creation. Financial Plan Standard costs between $1,000 and $5,000 (excl GST), US Citizens Financial Plan between $2,000 and $5,000.
- Ongoing Wealth Management Fees: Annual advisory fees calculated as percentage of Funds Under Management on a sliding scale: 1.1% for first $500k, 1.05% next $500k, 0.82% next $1M, 0.5% next $3M, 0.4% next $5M, negotiable above $10M. For portfolios under $320,000, flat-rate fee of $3,500 plus GST applies.
- KiwiSaver Advisory Fees: KiwiSaver Advised Solution fees of 0.45-0.84% per annum (incl GST), charged monthly and deducted from investment portfolio.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| One time/ perpetual license | Multi-year contract | Financial Plan Standard - One-time financial planning fee |
| One time/ perpetual license | Multi-year contract | US Citizens Financial Plan |
| Subscription | Monthly | Ongoing Advice Fee - First $500,000 |
| Subscription | Monthly | Ongoing Advice Fee - $500,001 to $1,000,000 |
| Subscription | Monthly | Ongoing Advice Fee - $1,000,001 to $2,000,000 |
| Subscription | Monthly | Ongoing Advice Fee - $2,000,001 to $5,000,000 |
| Subscription | Monthly | Ongoing Advice Fee - $5,000,001 to $10,000,000 |
| Subscription | Monthly | Ongoing Advice Fee - Over $10,000,000 |
| Subscription | Monthly | Small Portfolio Flat Fee - Under $320,000 |
| Subscription | Monthly | KiwiSaver Advised Solution |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels6 records
Cambridge Partners product offering
Product offeringCore offering
Cambridge Partners is a fee-only financial advisory and wealth management firm that provides personalised financial planning, investment management, and ongoing wealth management services to individuals, families, business owners, and expats throughout New Zealand. Services include evidence-based portfolio construction using Modern Portfolio Theory and the Fama-French Factor Model, KiwiSaver advisory, specialist cross-border advice for US and UK expats, and Active Investor Plus Visa advisory.
Product overview
Cambridge Partners is a fee-only financial advisory and wealth management firm offering integrated financial planning and investment management services. The core offering consists of Financial Planning and Wealth Management services, supported by modules including Cash Flow Modelling, Tax Structuring, Estate and Legacy Planning, Risk Assessment, and Ongoing Portfolio Review. The firm also operates several specialist sub-brands targeting specific client segments: Business Owner Advisory for entrepreneurs, Retirement Planning, KiwiSaver Advisory, Women's Wealth Advisory, US Expat Investment Advisory, and Active Investor Plus Visa Advisory for investors seeking New Zealand residency. Additionally, they provide Sustainable Investing through Socially Responsible Investment Portfolios. All services are delivered through a network of financial advisers with custody provided via third-party platforms including FNZ, NZX Wealth Technologies, and Interactive Brokers.
Differentiator
Problem solved
Functional benefit
Products and services
- Financial Planning Comprehensive financial planning service where advisers work with clients to understand their current situation, future goals, and develop a financial plan and investment strategy implemented through ongoing wealth management.
- Wealth Management Ongoing wealth management service that continuously monitors and adjusts investment strategy to align with evolving goals and market conditions, providing regular reviews and updates.
- Active Investor Plus Visa Advisory Specialist advisory service for high-net-worth individuals and families seeking New Zealand residence through the Active Investor Plus Visa programme, including Balanced and Growth category investments.
- Expat Financial Advice Specialist cross-border financial advice for people moving to New Zealand, covering UK pension transfers, Australian Superannuation transfers, and international investment planning.
- US Expat Investment Advisory Specialist financial advice for US citizens and expats living in New Zealand, addressing PFIC rules, cross-border taxation, US retirement accounts, and dual jurisdiction compliance.
- Women's Wealth Advisory Financial advice service delivered by female advisers addressing unique financial circumstances including career breaks, caring responsibilities, relationship changes, and longevity planning.
- Business Owner Advisory Integrated financial advice for business owners connecting business decisions with personal goals, family priorities, and long-term financial planning including succession and exit strategies.
- Retirement Planning Retirement planning service covering goal planning, cashflow modelling, investment strategy, portfolio tax planning, estate and asset planning, and risk management.
- KiwiSaver Advisory Personalised KiwiSaver advice and investment strategy ensuring alignment with retirement goals, including fund selection, contribution strategy, and ongoing monitoring.
Quantifiable outcome
- Fund manager fees average less than 0.37% gross per annum, significantly below retail investor rates
- +2 more outcomes
Companies that use Cambridge Partners
Customer profileNamed customers9 records
Segments8 records
Ideal customer profiles2 records
Cambridge Partners technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration6 records
Feature4 records
Cambridge Partners partnerships and signals
Strategic signalPartnerships
Nine partnerships are on record, tiered core and minor.
- FNZcoreThird-party investment custodian holding client funds independently of Cambridge Partners. FNZ provides secure custody and administration of investments.
- NZXWTcoreThird-party investment custodian holding client funds independently of Cambridge Partners. NZX Wealth Technologies provides portfolio administration services.
- Interactive Brokers (IBKR)coreThird-party custodian providing international brokerage services and portfolio administration for Cambridge Partners clients.
- Trees That CountminorEnvironmental partnership supporting New Zealand native tree planting and biodiversity restoration. Cambridge Partners has funded over 3,000 native trees across nine restoration projects.
- MoneyHubminorFeatured adviser listing on MoneyHub's financial adviser comparison platform, providing visibility to potential clients researching financial advisers in New Zealand.
- Immigration AdviserscorePartnership with licensed immigration advisers to support Active Investor Plus Visa applicants, ensuring investment requirements are understood, documented, tracked and met throughout the visa period.
- US-NZ Accountants and Legal AdviserscoreEstablished professional network of cross-border tax accountants and legal advisers supporting US expat clients with dual jurisdiction financial planning needs.
- Barry LaValleyminorInternational retirement lifestyle expert partnered with Cambridge Partners to produce retirement planning eBook and resources for clients planning retirement in the next 15 years.
- Court TheatreminorArts sponsorship partnership supporting the arts in Christchurch, reflecting Cambridge Partners' commitment to community engagement.
Scale indicators3 records
Recent moves6 records
Expansion highlights6 records
Cambridge Partners competitors and assessment
Company assessmentDirect peers
- Craigs Investment Partners: NZ-headquartered wealth advisory and investment firm serving HNW individuals and families with personalised adviser relationships. Closest direct competitor to Cambridge Partners' core fee-based wealth management proposition across New Zealand.
- Forsyth Barr: Established NZ investment and private wealth advisory firm offering personalised financial advice and portfolio management to individuals, families, and business owners. Comparable in target clientele, advisory-led model, and national NZ footprint.
- Jarden: NZ investment advisory and wealth management firm serving HNZ clients with personalised advice and discretionary portfolio management. Competes head-to-head with Cambridge Partners for advised private wealth clients in New Zealand.
Broad incumbents
- Fisher Funds Management: One of NZ's largest KiwiSaver and investment managers with a broad product lineup including KiwiSaver, managed funds, and advised wealth. Overlaps with Cambridge Partners on KiwiSaver advisory and discretionary portfolio management but operates at materially larger scale.
- Milford Asset Management: NZ-based active investment manager with KiwiSaver, managed funds, and private wealth offerings. Directly comparable on KiwiSaver and discretionary wealth management, but operates a broader product portfolio including active equities and fixed income strategies.
- Fisher Investments: US-based global fee-only RIA applying an evidence-based, academic-research-driven investment approach to HNW clients. Operates at vastly larger scale than Cambridge Partners but is the closest international analogue on investment philosophy and fee-only structure.
- Edelman Financial Engines: US fee-only RIA combining personal adviser relationships with proprietary digital planning tools to serve HNW households. Analogous to Cambridge Partners' blended digital-portal-plus-adviser model and fee-only alignment with clients.
- ANZ Wealth New Zealand: Wealth management division of ANZ Bank New Zealand offering KiwiSaver, investment, and private banking services to mass-affluent and HNW clients. Represents the bank-owned incumbent model from which Cambridge Partners' fee-only positioning seeks to differentiate.
Emerging players
- Generate Investment Management: NZ KiwiSaver and managed funds specialist with a strong KiwiSaver focus and growing advised wealth offering. Competes with Cambridge Partners' KiwiSaver sub-brand and emerging demographic of fee-conscious KiwiSaver advice seekers.
- Booster Financial Services: NZ KiwiSaver and wealth manager with digital-led investment options and advised services. Comparable on KiwiSaver advisory and broader managed investment offerings, with stronger digital distribution.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks5 records
Key highlights7 records
Customer concentration
Cambridge Partners social profiles
Digital presenceCambridge Partners compliance and trust
Trust signalCompliance5 records
Cambridge Partners financial estimates
Financial estimateRevenue estimate
Valuation estimate
Cambridge Partners leadership team
Management profileNumber of profiles
Profiles11 records
Cambridge Partners funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Cambridge Partners M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Cambridge Partners
What does Cambridge Partners do?
Cambridge Partners is a fee-only financial advisory and wealth management firm that provides personalised financial planning, investment management, and ongoing wealth management services to individuals, families, business owners, and expats throughout New Zealand. Services include evidence-based portfolio construction using Modern Portfolio Theory and the Fama-French Factor Model, KiwiSaver advisory, specialist cross-border advice for US and UK expats, and Active Investor Plus Visa advisory.
Is Cambridge Partners a public or private company?
Cambridge Partners is a private company. It is classified as management employee owned and is currently operating.
When was Cambridge Partners founded?
Cambridge Partners was founded in 2017. It employs 11 to 50 people.
Where is Cambridge Partners based?
Cambridge Partners is headquartered in Christchurch, New Zealand, in the Oceania region.
How does Cambridge Partners make money?
Three revenue lines are on record. Financial Planning Fees are the primary driver. The others are ongoing Wealth Management Fees and kiwiSaver Advisory Fees.
Who are Cambridge Partners's main competitors?
Direct peers on record are Craigs Investment Partners, Forsyth Barr and Jarden. Broad incumbents are Fisher Funds Management, Milford Asset Management, Fisher Investments, Edelman Financial Engines and ANZ Wealth New Zealand. Emerging players are Generate Investment Management and Booster Financial Services.
Does Cambridge Partners have an API?
No public API is recorded for Cambridge Partners.