High Net Worth
Sophisticated financial advice for high-net-worth individuals who want a comprehensive, coordinated approach to growing and protecting significant wealth.
High-net-worth individuals face a level of financial complexity that standard advice simply does not address
When you have accumulated significant wealth, the questions you face are different. How do you maintain and grow what you have built? How do you manage risk across a complex asset base? How do you plan across generations? We have the expertise and the track record to help you answer all of these questions.
By Collaborative Consulting
We work with a carefully selected number of high-net-worth clients. That is by design. It means every client gets John’s direct attention and a genuinely personalised service that goes well beyond what a large institution can provide.
Our approach covers every dimension of your financial life, from investment management and tax strategy to estate planning and intergenerational wealth transfer. We look at the complete picture and make sure everything works together.
Our services for high-net-worth clients
We provide the full range of wealth management services required to manage and protect significant personal wealth.
A deeply personalised advisory relationship covering every aspect of your financial life, with direct access to a senior adviser at all times.
Active, ongoing management of a sophisticated investment portfolio with institutional-quality research and transparent performance reporting.
A comprehensive strategy for protecting your wealth and passing it on to the people and causes you care about, coordinated with your legal and tax advisers.
Why Choose Collaborative Consulting
Wealth management that matches the complexity of your situation
We bring together investment expertise, financial planning, insurance and estate planning under one roof. Everything is coordinated by John directly, which means nothing falls through the gaps. We have worked with high-net-worth individuals and families across New Zealand for over 30 years.
Direct access to a senior adviser at all times
You work directly with John Milner, not a junior analyst or a rotating team. When you need to talk, you reach the person who knows your situation and can act.
Global investment access through Consilium
Our research partnership with Consilium gives clients access to investment opportunities across more than 45 countries, supported by independent academic research from Professor Ben Marshall at Massey University.
Coordination across legal, tax and financial advice
We work alongside your solicitor, accountant and other advisers to make sure your overall financial strategy is coherent. This coordination prevents costly inconsistencies and often uncovers opportunities.
Long-term relationships built on genuine trust
Our client relationships are long-term and built on deep understanding. We invest the time to know not just your finances but your values, your family and what you are ultimately trying to achieve.
Wealth management for high-net-worth New Zealanders
Countries our clients are invested across, reflecting the global diversification we build into every portfolio.
High-net-worth wealth management requires a different level of expertise, attention and access. We provide all three through a genuinely personalised service that covers every dimension of your financial life.
Frequently Asked Questions
Have a question about high-net-worth financial advice? We are happy to discuss your situation.
What makes your service different for high-net-worth clients?
The difference is depth and directness. We work with a small number of private clients by choice. That means John knows every client’s situation in detail and provides advice that is genuinely tailored to their complexity. We cover every dimension of your financial life, including investments, retirement, insurance, estate planning and tax, and we coordinate all of it under one roof. Most institutions fragment this across different teams and products. We do not.
How do you manage a complex, multi-asset portfolio?
We start with a thorough understanding of your goals, your risk tolerance and your tax position. We then build a diversified portfolio across asset classes and geographies using independent research from Consilium and academic oversight from Professor Ben Marshall at Massey University. We monitor the portfolio continuously, rebalance when needed and report transparently on performance. Every decision is made in the context of your overall financial plan, not in isolation.
How do you approach estate planning and intergenerational wealth transfer?
We work alongside your solicitor and accountant to make sure your estate structure is up to date and reflects your wishes. That includes reviewing your will, any trust structures, powers of attorney and how your investment portfolio is owned. We also help you think through intergenerational wealth transfer, including when and how to transfer assets to the next generation in a way that is tax-efficient and aligned with your values. Legacy planning is a core part of how we serve high-net-worth clients.
What is the minimum level of assets required to work with you?
We do not publish a fixed minimum. The right fit depends on complexity, goals and whether we can genuinely add value. We are happy to have an initial conversation to assess whether we are the right match for your situation. If we are not, we will tell you honestly and point you toward a better option. That kind of straightforwardness is part of how we operate.