Win up to $2,000 towards Living The Kiwi Dream

At, we’re passionate about helping Kiwis achieve their dreams. Our latest campaign is giving one lucky client the opportunity to win up to $2,000 towards the getaway of their dreams. *T&Cs apply 


Help your friends and family realise their dreams with


Whether it’s getting started, getting ahead, or getting ready for retirement – we can help create the plan that gets you there.  

At, we want every Kiwi to feel in control of their finances and the life they want. We’d love your help to reach more people around New Zealand so we can help them take control of their money, build their wealth, and achieve financial success. When you refer someone, they’ll get their initial consultation for just $100, and you’ll go in the draw to win up to $2,000 towards the getaway of your dreams (as well as $100 off your next 12-month programme. (T&Cs apply).   

Imagine yourself exploring the stunning New Zealand landscape, indulging in exquisite local cuisine, or relaxing and unwinding in blissful tranquillity. Whether you’re dreaming of a romantic escape for two, a memorable adventure for the whole family, or a luxurious solo retreat, this is your chance to turn those dreams into reality. 

If you know someone who could benefit from financial advice with one of our experienced financial coaches, just tell them to book their first consult through our website, select ‘Referred by a friend’ in the How did you hear about us dropdown, and ask them to mention your name on the booking form. 

Terms and conditions

Living The Kiwi Dream Referral Campaign Terms & Conditions.  

The promotional period runs between the 1st April 2024 and the 30th June 2024. This promotion is for existing clients or past clients who completed a programme referring new prospective clients to  

To be eligible for this promotion your referee:  

  • Must have completed their consultation booking form between the 1st April 2024 and the 30th July 2024.  
  • Must have had their consultation with an coach before the 30th July 2024. 
  • Eligibility for the prize draw will be assessed between 1st July 2024 and 12th July 2024. Once eligibility is established and a winner has been drawn at random, the referrer will be contacted via email to receive their prize.  


Additional refer a friend terms and conditions:  

  • There’s no limit as to how many prize draw entries you can claim – as long as your referrals meet the eligibility criteria.  
  • This prize is non transferrable and cannot be redeemed for cash.  
  • Referrals must be made by existing clients in an active programme or previous clients who completed at least one 12-month programme.  
  • Clients referring a friend for a consultation are responsible for ensuring their referral is recorded, by having their friends/family member sign up using their name in the ‘Referred By’ field.  
  • The person booking and attending the consultation must nominate who referred them, as the referral benefits are only available to one person.  
  • The client or previous client referring a friend will receive $100 credited towards their next programme cost. If they do not proceed with another programme, this credit is non transferrable and cannot be redeemed for cash.  
  • The $100 consultation fee must be paid in full for clients to be eligible for the promotional offer.  
  • accepts no responsibility for late or misdirected entries.  
  • will not make retrospective payments if informed of referrals after the promotional period has ended.  
  • Clients who make eligible referrals will be contacted by email.  
  • Eligibility is at the sole discretion of AdviceFirst Limited.  


*standard financial consultation terms & conditions – See important information on our website. 

The benefits of working with

Hear what our clients have to say about their experience with

"Paul Cho always explains his advice in terms I can understand. He created an environment and rapport where he’s able to challenge me to look critically at my spending habits, goals and previously held beliefs of what might be possible. I have much greater financial literacy, and feel much more financially empowered and motivated since working with Paul."
Paul Cho's client
"Best thing we have ever done. Great to see exactly where your money is going and the progress we are making with our mortgage. We are very grateful. Thank you to the team."
Elizabeth Blake's client
"We have been amazed at what a difference restructuring our banking has made to paying our mortgage off quicker."
Nadine Higgins' client
"Roger is just fabulous! He listens to us and has our end goals at heart. We would not be in the position of having options if it wasn’t for Roger and the team. Best decision and investment we have ever made. Thank you."
Roger Swift's client
" has made us more aware of our spending and what the possibilities are when it come to our finances and paying off our mortgage. We are extremely excited about what we will achieve in the next few years."
Alisha Brady's client
"I liked that Kristin was thorough, didn't judge my spending habits, and made me feel like I've got options. She also explained things in ways that were easy to understand."
Kristin Sutherland's client
"I like that it was a personalised service. My consultant was knowledgeable and able to answer my questions with clarity & non-judgement. I was able to establish some clarity for my goals in the timeframe."
Kristin Sutherland's client
"Hannah was very approachable and easy to talk to. We didn’t feel like we were being told off or made to feel we had been doing the wrong thing, but how we could turn things around and make things better."
Hannah McQueen's client