KiwiSaver advice
A six-stage path from KiwiSaver goals through SOA and implementation — with skip logic when onboarding already captured discovery or risk profile.
Incendio Adviser Platform · NZ-built
Incendio
Financial advice platform for NZ advisers
Incendio is the adviser platform for RetireMe. CRM, workflows, advice journeys, documents, and client engagement in one practice workspace. Portfolio dashboards, Service Queue, Advice Pipeline, Remy AI, and a white-label client portal for licensed advice firms.
Book KPIs
Clients, AUM, success rates, and at-risk alerts in real time
10-stage
Configurable onboarding and review workflows with automated tasks
Ask Remy
AI plan assessments, meeting prep, and email drafting for advisers
NZ-native
KiwiSaver, NZ Super, PIE tax, and Monte Carlo resilience built in
Advice delivery is manual, fragmented, and hard to scale
Most practices stitch together spreadsheets, PDFs, and generic tools. Incendio replaces that patchwork with one platform your clients can use between reviews and your team can run day to day.
Spreadsheets don’t scale
Every client is a new Excel file. Updates need manual rework. There’s no client-facing view — just a PDF emailed once a year.
Clients drift between reviews
Without an always-on portal, clients disengage. They can’t check progress, run what-if scenarios, or see how market movements affect their plan.
Compliance eats adviser time
Document management, audit trails, review scheduling, and task follow-ups are critical for FMA compliance — and consume time that should go to clients.
Two sides of Incendio
Your clients get RetireMe — a modern retirement planner they actually use. Your firm gets Incendio: a practice workspace to model, manage, and deliver advice at scale.
Client app
A retirement calculator your clients actually use
Clients log in to RetireMe to see retirement readiness at a glance — success rates, shortfall timing, net worth trajectory, and AI-generated observations.
- 1,000-run Monte Carlo simulations with confidence bands
- Plan A vs Plan B scenario comparison
- Deep forecast analytics: income, drawdown, tax, contributions
- White-labelled per firm with magic-link client access
Adviser portal
A full practice workspace for your team
Manage your entire book from one branded tenant: dashboards, workflows, CRM-style records, and AI-assisted operations.
- Portfolio dashboard with AUM, success rates, and segment alerts
- Service Queue for reviews, lifecycle stages, and expiring documents
- Advice Pipeline Kanban by workflow template stage
- Per-client workspace: plan, workflow, activity, docs, tasks, email
Ask Remy — your AI adviser assistant
Remy is built into the adviser portal on every screen. Ask about your book, prepare for meetings, draft client emails, or generate plan assessments — always with adviser review before anything reaches a client.
At book level
- “Who are my at-risk clients?”
- Portfolio overview and segment summaries
- Meeting prep for upcoming client conversations
At client level
- Context-aware chat (plan metrics, risk status, household details)
- AI Plan Assessment drafts: strengths, risks, gaps, and recommendations
- Email drafting from firm templates with interaction logging
Remy generates drafts for licensed advisers to review and edit. Incendio does not provide regulated financial advice — you remain responsible for suitability and client communication.
Inside the adviser portal
A dedicated tenant workspace for your practice: branded entry, book-of-business dashboards, workflow pipelines, and per-client CRM. Click any thumbnail to view full size.
Run the book
Drive advice work
Stay on top of every client
Full capability list
Everything your practice needs to model retirement outcomes and run the book day to day.
White-label platform
Your brand, your URL, your colours. Each firm gets a branded portal — clients see your identity.
Role-based access
Org admin, manager, adviser, and client roles with granular permissions and team groups.
Simulation engine
Deterministic and Monte Carlo modelling with NZ tax, KiwiSaver, NZ Super, and scenario comparison.
Client portal
Magic-link login. Shared plan view, optional what-if scenarios, and documents clients can accept or sign — branded per firm.
Document vault
Upload, categorise, and track expiry. Share SOA and agreements for client acceptance or signature — with a full action audit trail.
NZ-specific rules
PAYE, ACC, PIE tax, KiwiSaver employer contributions, NZ Super rates, and FMA-aligned categories.
AI assistant — Remy
Plan assessments, book-level Q&A, meeting prep, and email drafting — adviser-reviewed before sharing.
Email & templates
Compose from CRM, org-wide templates, interaction logging, and bulk email to segments.
Compliance & audit
Full event log, document categories aligned to NZ regulatory requirements, and activity trail.
How advisers use Incendio
From onboarding through annual review — model the plan, run the workflow, and keep the book moving without switching tools.
1
Onboard with a workflow
Start a configurable pipeline — new client onboarding, annual review, or your own template. Stages create tasks, track required items, and show progress in the Advice Pipeline.
2
Model the full picture
Build the plan in the planner: assets, income, life events, and retirement spending. Clients see a white-label portal with Monte Carlo success rates and scenario comparison.
3
Assess with Remy
Generate an AI Plan Assessment draft — retirement readiness, strengths, risks, and gaps. Review, edit, and mark reviewed before it forms part of your advice record.
4
Operate from the Service Queue
Segments surface at-risk clients, upcoming retirements, overdue reviews, and expiring documents. Bulk email segments and drill into any household from one place.
5
Share, accept, and log
Email from firm templates, share vault documents for client acceptance or signature, and log every interaction. Ask Remy to draft check-in emails when you need a head start.
6
Review and evolve
Save plan versions at each annual review. Compare drift, update assumptions with real data, and deliver a Retirement Blueprint PDF alongside your broader SOA.
Holistic advice deserves a model that stays in sync
Clients don’t experience “retirement” in isolation. Incendio keeps balance sheet, cashflows, life events, and NZ-specific decumulation in one coherent view — so you explain trade-offs with clarity.
Whole balance sheet & cashflows
Assets, liabilities, income, and spending in one model so recommendations don’t float in separate silos.
Life events & goals
Property sales, inheritances, career breaks, and education costs — each choice flows through to retirement outcomes.
Defensible assumptions
NZ tax, KiwiSaver, NZ Super, PIE rules, and Monte Carlo stress-tests you can document at each review.
Advice journey templates
The same platform templates under Your organisation’s templates — clone, rename, and reshape stages so the Advice Pipeline matches how your firm delivers advice.
Annual review
Run the ongoing service cycle end-to-end — from due-date trigger through plan refresh in Incendio and a filed review record.
Retirement planning
The flagship advice path into plan modelling — from retirement vision through Monte Carlo–backed SOA and ongoing monitoring.
Investment advice
Portfolio advice with goals, risk, statements, SOA, and a clear implementation and reporting close.
Insurance review
Personal risk advice from needs analysis through underwriting and policy issue — alongside contingency modelling when needed.
Mortgage & debt protection
Protect the lending position — affordability, income-loss scenarios, and provider options through to completion.
Business insurance
Business risk cover for key people and operations — from needs capture through binding and review.
General insurance
Home, contents, vehicles, and landlord cover in a short advice journey with renewals in view.
Home loan
Lending advice from fact find and serviceability through SOA, application, and settlement follow-up.
Documents, portal & Remy
Share SOA and agreements for accept/sign, invite clients to a branded portal, and use Ask Remy for drafts — alongside every journey.
Advice documents & templates
Word mail-merge, vault sharing, and client acceptance or signature with an action audit trail.
Client portal & invites
Magic-link access, shared plan view, and documents clients can accept or sign between reviews.
Ask Remy
Book-level Q&A, meeting prep, plan assessment drafts, and email drafting — adviser-reviewed before clients see it.
Legal pack
Terms of business, security & confidentiality, and data storage & retention.
What makes the modelling engine different
Deep retirement and decumulation science, purpose-built for New Zealand — not a US calculator with KiwiSaver bolted on. See all features →
| Capability | Spreadsheet / basic calculator | Incendio |
|---|---|---|
| Integrated lifetime view | ✕ Often split across files or tools | ✓ One timeline tying together income, balance sheet, goals & retirement outcomes |
| Monte Carlo resilience analysis | ✕ Not available | ✓ Hundreds of scenarios with success probability & confidence bands |
| KiwiSaver, NZ Super, PIE & PAYE | ✕ Manual or approximate | ✓ Native NZ tax engine — ESCT, PIR, ACC levies, correct brackets |
| Life events & expense lifecycle | ✕ Difficult to model | ✓ Schedule any event; phased spending, aged care overlay, RCS subsidy |
| What-if sandbox & plan comparison | ✕ Rebuild the spreadsheet | ✓ Multiple scenario sliders, instant results, live delta comparison |
| Client-ready output | ✕ You build it | ✓ Retirement Blueprint PDF with charts, metrics, and scenario comparisons |
When goals, life changes and retirement meet
The same questions sit at the heart of holistic plans. Incendio turns them into concrete, visual answers.
“Can I retire at 59?”
Model the gap before NZ Super kicks in. Show drawdown from investments, long-term runway, and success probability across market scenarios.
“I can see exactly what early retirement costs me — and what two more years of work buys.”
“Should we sell the rental?”
Add a life event for the property sale. Show the capital injection, lost rental income, and net effect on retirement trajectory — with and without, side by side.
“Seeing both plans overlaid made the decision obvious.”
“What if the market drops 20% in year one?”
The Monte Carlo engine models this. Show the P10 floor and demonstrate that even in poor markets, their plan has a defined floor.
“I finally understand sequence-of-returns risk without the jargon.”
“How much can we actually spend?”
Model active retirement spending transitioning to quieter years, with aged care costs from age 80+. Show the sustainable spending envelope at 80% confidence.
“We’d been saving too aggressively — we can actually enjoy the next ten years.”
Built for licensed Financial Advice Providers
Model lifetime income and assets; stress-test retirement with NZ-specific rules; run your book from the adviser portal; collaborate with seats and branding; and produce client-ready materials for reviews and advice documentation.
Early access
Founding adviser programme
We’re inviting 10–15 independent advisers or teams with a clear holistic planning offer to trial the platform on real client scenarios, stress-test the modelling engine, and co-design the adviser experience for multi-adviser practices.
Participants receive full platform access, direct input into the product roadmap, and founding adviser pricing when wider access launches.
See it live in 15 minutes — we’ll set up a demo portal with your firm’s branding. Commercial supply is on our adviser legal pack (terms of business and security statement, v1.1, July 2026).
Adviser login⚠️ Important: Incendio is practice software, not a financial advice service.
Incendio does not provide regulated financial advice under New Zealand law. It is designed to support — not replace — holistic advice processes delivered by a licensed Financial Advice Provider: you remain responsible for scope, suitability and the quality of recommendations across insurance, lending, investments and any other regulated services you provide. Projections depend on user-provided inputs and generalised assumptions.
From advisers
“This is a very impressive retirement modelling tool! I’m really excited about where you have taken it to. Finally the NZ market has a fresh, modern tool for advisers.”
Bring Incendio into your practice
Register for the founding adviser programme, or explore features to see how Incendio supports holistic advice journeys grounded in robust plan outcomes.