Wealth Management
Building and protecting wealth takes more than good intentions. It takes a clear strategy, disciplined execution, and an adviser who understands your full financial picture — not just one piece of it.
Retirement & Legacy
A complete wealth management strategy built around your life
Wealth management is not just about investments. It is about understanding where you are today, where you want to be, and making sure every financial decision you make is informed by a clear, coherent plan that covers all dimensions of your financial life.
Are you clear on your plan to not only build but retain your wealth? Do you have the right investment mix? Is your KiwiSaver working as hard as it should be? Are your assets properly diversified, or are you too concentrated in property or a single business?
With over 30 years’ experience helping New Zealanders grow and protect their wealth, we understand what a genuinely comprehensive wealth management strategy looks like. We work with a carefully selected number of private clients — which means every client gets John’s full attention, not a junior analyst or a call centre.
Our wealth management services
We provide a full range of wealth management services across investment, planning, and private advisory. Each service below links to a dedicated page with full details.
Investment Management
Bespoke portfolio construction and active management across global markets — tailored to your goals, your risk profile, and your timeline.
Wealth Planning
A comprehensive financial plan that brings together your investments, retirement, insurance, tax, and estate planning into a single coherent strategy.
Wealth Diversification
Spread your assets across different classes and geographies to reduce concentration risk — particularly for those heavily weighted in property or a family business.
Portfolio Management
Ongoing active management, monitoring, and rebalancing of your investment portfolio — with institutional-quality research and transparent performance reporting.
Private Wealth Adviser
A deeply personalised, whole-of-life advisory relationship for clients who want direct access to a senior adviser across every aspect of their financial life.
KiwiSaver Advice
Make sure your KiwiSaver is in the right fund, with the right provider, contributing at the right level — fully integrated with your broader retirement strategy.
Business Owner Wealth
Specialist advice for business owners building personal wealth alongside their business — including succession planning, exit strategy, and personal investment management.
What's Included
Our wealth management service covers every dimension of your financial life. We do not advise on investments in isolation — we look at the complete picture and make sure every decision works in the context of everything else.
You work directly with John Milner — a Certified Financial Planner (CFP™) with over 30 years’ experience and qualifications including CLU. Investment decisions are supported by independent research from Consilium and academic oversight from Professor Ben Marshall at Massey University.
Comprehensive financial planning and investment management
We combine financial planning and investment management into a single, integrated service — ensuring your portfolio is always aligned with your broader goals rather than managed in isolation from the rest of your financial life.
Independent research and global market access
Through our research partnership with Consilium, we provide access to investment opportunities across more than 45 countries, supported by independent academic research from one of the world’s most credentialled finance academics.
Proactive advice, not just reactive management
We do not wait for you to call us. We monitor your portfolio continuously, stay ahead of market and legislative changes, and contact you proactively when action is required or when opportunities arise.
A long-term relationship, not a transaction
Our clients work with us for years — because we take the time to understand their situation in depth and provide advice that genuinely improves their financial outcomes over the long term.
What people say about Collaborative Consulting
“I got to know John whilst working with him in developing his company’s brand principles to strengthen the emotional connectedness with his clients. During this period, I gained a deep understanding of John’s ethics and strong desire to help people both through the good times and the bad times.
His strongest desire is to make a tangible difference for his clients and future generations of their family. John has a strong sense of family, he believes strongly in wanting to contribute back to the community.
I can honestly say I have not met a financial adviser where money is not the financial driver for him, it’s much more personal, it’s about making a difference. I’d recommend anyone who wants certainty in their financial investments talk to John.”
Michael Major BA (Hons) MDM
Property Development Consultant, Future Proofing Strategist
“John is the consummate professional in the Financial Planning and Investment sector. He has walked the talk, having successfully grown and lead businesses to achieve dramatic results. Through it all, he has helped people reach their personal and professional goals and engages with them comprehensively to ensure they achieve what they need to.
There’s no nonsense with John – if you want to succeed, he will help you do it and in doing so, you will meet and be assisted by one of the nicest and most professional people I know, who also lives by a set of principles steeped in integrity. A hard thing to find these days!
I strongly recommend you contact John and get to know him. You won’t regret it.”
Warren Cummins
Managing Director, Dale Carnegie Auckland and BRS Management
“Choosing someone to look after your money is an important decision especially if you are like me and have no idea about investments.
When I left my marriage I had money from the sale of the house. As I was now on my own financially I understood that I needed to ensure that not only was my money going to be safe but would also be working for my future.
I met with a few financial advisers but none of them really instilled me with confidence. I was feeling a bit lost and frightened about making the wrong decision.
Pam Martin
Arbonne Independent Consultant
“We are all specialists in our own area of business. We love referring our clients to an equally dedicated specialist, John Milner of Collaborative Consulting Ltd.
John has been able to help our clients leverage and re-invest their hard-won gains, made both personally, and in business. John has been working in his area of Investment Expertise for a long- time, so has ridden all of those waves in the marketplace. He is committed to helping clients mitigate their investment risk, and in these days and times, his level-head and thorough but relatable approach to Investment are exactly what we all need.
He makes investing simple, effective and takes the worry away.”
James Kelso
CPA, Director, Kelso Marsh Consulting Ltd
“I have known for some time now as part of my business networking group. From the start I have been impressed by John’s professionalism and his knowledge base. John takes what he does seriously and is quite clearly very dedicated to serving his clients well.
I have no trouble recommending him to anyone in need of sound financial advice.”
Rory Laubscher
Corporate Photography Specialist Firefly Photography
Our Process
When you work with us, we use our proven 3-step system. By understanding your situation and the goals you want to achieve, we work out a unique plan to help you get there smoothly.
Wealth management backed by global expertise and local knowledge
Countries our clients are invested across — reflecting the global diversification we build into every portfolio we manage.
We are here to help you maximise your returns and make your money work hard for you. By understanding your situation and the goals you want to achieve, we can build a wealth management strategy that delivers over the long term.
Frequently Asked Questions
Have a question about wealth management? We’re happy to discuss your situation — get in touch.
What is wealth management and how is it different from financial planning?
Financial planning is the process of setting goals and building a strategy to achieve them. Wealth management is broader — it encompasses financial planning alongside investment management, tax strategy, estate planning, and often private banking services. We provide both as an integrated service.
Who is wealth management suited for?
Wealth management is suited to anyone who has accumulated meaningful assets and wants a comprehensive, coordinated approach to growing and protecting them. This includes people approaching retirement, business owners, professionals with complex financial situations, and anyone who feels their current financial arrangements are not properly integrated.
How do you charge for wealth management services?
Our fees are discussed transparently before any work begins. The structure depends on the scope of services required and the complexity of your situation. We are always clear about what you are paying and what you receive in return.
How many clients do you work with?
We deliberately work with a limited number of private clients. This ensures every client receives John’s direct attention — not a junior adviser or a rotating team. The quality of the relationship is as important to us as the quality of the advice.
How often will we meet?
We conduct formal reviews at least twice a year and are available for additional conversations whenever you need them. We also contact clients proactively when market conditions or legislative changes warrant a discussion.
Can you work alongside my accountant and solicitor?
Yes. We actively coordinate with your other professional advisers to make sure your financial strategy is coherent across all dimensions. This collaboration often identifies opportunities and prevents costly inconsistencies.
Do you work with clients across New Zealand?
Yes. While we are based in Auckland, we work with wealth management clients throughout New Zealand via video call and phone. Distance has never been a barrier to providing quality advice.