Independent KiwiSaver advice that's actually on your side
Most Kiwis get their KiwiSaver advice from the people selling it. Cam isn't one of them. He's independent, free to you, and the only person in the room whose job is to find what's right for you.. See who can give independent advice
What makes independent advice different
When you go to a KiwiSaver provider directly, they can only talk about their own products. Cam compares the market for you - and his only interest is finding the right fit for your situation.
Not owned by anyone
Solid Steele KiwiSaver Advice is an independent business - not a bank, not a fund manager, not a franchise. Cam's recommendations come from comparing the market, not from a script.
Across the leading providers
Cam works with Generate, Milford, Pathfinder, Fisher Funds and Booster. He compares fees, long-term performance and fund types to find what suits you - not what suits one company.
Completely free to you
The advice costs you nothing. Cam is paid by the provider you choose - the same model as a mortgage broker. It does not change the fees you pay or the returns you earn. No obligation, no catch.
Plain English, always
No jargon, no pressure. A relaxed 30-minute session where Cam explains your options clearly, compares providers and funds for your situation, and helps you decide what to do - if anything.
Sorted in three simple steps
Take the quiz
Start with the KiwiSaver knowledge quiz to see where you stand - it takes under 5 minutes.
Book a free session
A relaxed 30-minute chat - online or in person - about your goals and options. Cam does the comparing for you.
Take action
If a change makes sense, switching takes about 5 minutes. Annual check-ins keep you on track.
Advice across New Zealand's leading KiwiSaver providers
Trusted by Kiwis like you
"His advice was super helpful and insightful. He explained everything so clearly that it put all my previous concerns about KiwiSaver being too overwhelming at ease and made everything so much easier to understand. Very easy to talk to and super knowledgeable."
"My partner and I found Cameron very professional and informative. We are thrilled with Cameron's recommendation and the results we have achieved with our KiwiSaver. We only wish we had done it much sooner. Highly recommend Cameron to anyone looking to change providers or just do a review."
"I switched to Cameron at Solid Steele for my KiwiSaver and the whole process was smooth and stress-free. Everything was explained clearly with no jargon. Since then, my funds have grown and I feel confident knowing my KiwiSaver is in good hands."
Common KiwiSaver questions, answered by Cam
Plain English answers to the questions Cam gets asked most - no jargon.
Which KiwiSaver fund should I be in?
The right fund depends on your timeframe, goals, and how comfortable you are with market ups and downs. If retirement is a long way off, a growth or aggressive fund will typically build significantly more wealth over time. If you are saving for a first home in the next 1-3 years, a more conservative fund protects your balance before you need it. Cam reviews your situation and recommends the right fund type for free - or take the KiwiSaver Knowledge Challenge to get a quick read on where you stand. Learn what to do when the stock market takes a dive.
Am I in the right KiwiSaver fund?
Many New Zealanders stay in a default or conservative fund from when they first joined - often years or decades ago - without ever reviewing it. Being in the wrong fund can significantly reduce your long-term balance. A default fund is designed to be safe, not to grow. If you have never actively chosen your fund type, there is a good chance a change would put considerably more in your pocket at retirement. Review the 5 most common KiwiSaver mistakes to see if you are making one.
How is my KiwiSaver invested?
Your KiwiSaver contributions pool with those of other members and are invested across a mix of shares, bonds, cash, and property - depending on your fund type. A growth fund holds more shares (higher long-term potential, more short-term volatility). A conservative fund holds more bonds and cash (more stable, lower long-term returns). All KiwiSaver funds are diversified. Use Cam's KiwiSaver calculator to see how different fund types affect your projected balance over time.
Should I switch KiwiSaver funds or providers?
Switching may be worthwhile if your current provider or fund does not match your goals or timeframe - or if fees are high relative to what you are getting. Switching is completely free. Cam compares NZ's leading KiwiSaver providers across fees, long-term performance, and fund types, and tells you honestly whether a switch makes sense for your situation. See how to maximize your KiwiSaver savings for practical tips.
Questions about Cam's advice, answered
Is Solid Steele KiwiSaver Advice really independent?
Yes. Solid Steele KiwiSaver Advice is not owned by a bank or fund manager. Cam works across a range of leading providers, so his advice is about what genuinely suits you - not what suits one company's bottom line.
Why does it cost me nothing?
Cam is paid a referral fee by the KiwiSaver provider you choose - similar to how a mortgage broker is paid by the lender. This does not change the fees you pay or the returns you earn. There is no obligation and no hidden cost.
How is Cam different from going directly to a provider?
When you talk to a provider directly, they can only recommend their own products. Cam compares the market across multiple providers and recommends what is right for your specific situation - fund type, fees, long-term performance and your goals.
What does a session involve?
A relaxed 30-minute chat - online or in person - about your goals, your current KiwiSaver, and your options. Cam explains things in plain English, compares providers and funds for you, and if a change makes sense, the switch usually takes about five minutes. Annual check-ins are included.
Is KiwiSaver guaranteed?
No. KiwiSaver is an investment, not a savings account. There is no government guarantee on returns, and your balance can go up and down with market conditions. Higher-growth funds have historically delivered stronger long-term returns than conservative options, even accounting for volatility. The key is being in the right fund for your timeframe.