THE PROBLEM All of us New Zealanders deserve to be financially secure. With only 1 in 3 of us feeling that way now, we can do far better! The first step is maximising our KiwiSaver opportunity. At $48 billion it is the largest retirement investment for everyday New Zealanders. However, we are struggling to get good financial advice to ensure our KiwiSaver investments help us to achieve our retirement goals. With less than 1800 Authorised Financial Advisers serving 2.8 million KiwiSaver members, the problem lies in the availability of human resources. THE SOLUTION We believe client centric FinTech is the solution. National Capital is developing a KiwiSaver Robo-Advice solution which will enable users to interact with a bot and get personalized advice on which KiwiSaver fund works best for them to achieve their goals, based on their situation. With the focus on an ‘accountable algorithm’ and good client outcomes, this service will not only help Kiwis get the advice they need but do that in an ethical manner.