True Adviser Independence
The only platform that supports both affiliated and independent adviser models. Complete fee transparency.
The Industry Challenge
- Clients question if recommendations are influenced by commissions
- Advisers limited to commission-only revenue models
- Lack of transparency in adviser-provider relationships
- Potential conflicts of interest
The Nuvano Solution
- Choose relationship type for each provider independently
- Set transparent advice fees for non-affiliated providers
- Clear disclosure to clients in all recommendations
- Algorithm remains neutral - recommendations based on client needs only
How Provider Relationships Work
AFFILIATED Commission-Based
Traditional model where advisers may receive commissions or other benefits
Client Sees:
"ABC Advisers has a business relationship with XYZ KiwiSaver. This may include receiving commissions or other benefits. This recommendation is based solely on your personal circumstances and investment needs, with our affiliated relationship disclosed for transparency."
- No advice fee to client
- Revenue from provider
- Full transparency
INDEPENDENT Fee-for-Service
New model where your practice charges transparent advice fees
Client Sees:
"ABC Advisers has no business relationship with XYZ KiwiSaver. Our advice fee of $150 covers the personalised analysis and recommendation provided. Your client portal access is included with all our services."
- Transparent advice fee
- No provider commissions
- True independence
Complete Control & Flexibility
Per-Provider Settings
Configure each provider relationship independently - mix commission and fee-based as needed
Custom Fee Structure
Set your own advice fees for non-affiliated providers - flat fee or percentage based
Custom Disclosures
Add your own disclosure text or use our professional templates
Our Independence Guarantee
The recommendation algorithm NEVER considers affiliation status when selecting funds. Your relationship with providers is for transparency only - it doesn't influence recommendations.
Every recommendation is based solely on client needs, risk profile, and fund performance. This ensures truly independent advice regardless of your business model.
Benefits for Everyone
For Advisers
- New revenue stream through fee-for-service
- Flexibility to choose business model per provider
- Build trust through transparency
- Differentiate from commission-only advisers
For Clients
- Clear understanding of adviser relationships
- Confidence in unbiased recommendations
- Access to truly independent advisers
- Transparent fee structure when applicable
Lead the Future of Independent KiwiSaver Advice
Give your clients the transparency they deserve while building a sustainable, flexible business model
Explore More Features
Smart Adaptive Questionnaire
Dynamic questions that adapt based on age and circumstances. FAPs can customise text, order, and help content to match their …
Under 10-Minute Journey
From questionnaire to recommendation, SOA generation, digital signature, and portal creation - all in under 10 minutes with real-time email …
Client Lifecycle
Manage relationships, not just transactions. Schedule reviews, archive properly, and maintain complete client history.
Questionnaire Customisation
Customise question wording, add help text, and control question visibility - your brand voice, your way
Statement of Advice Customisation
Customise every section of your Statement of Advice - from cover page to disclaimers, make it truly yours
KiwiSaver Projection Simulator
Interactive projections using sophisticated Monte Carlo analysis with 10,000 scenarios. Shows probability of success with beautiful visualisations.
Fund Research & Comparison
Compare KiwiSaver funds side-by-side. Filter by provider, view fees and returns, and make informed recommendations.
Document Search & Access
Real-time access to PDS, fund updates, and holdings. Advanced search with filters and automatic document syncing from official sources.
Compliance & Governance
Designed to support FMA requirements. Audit trails of all client changes, documented adviser overrides, and records maintained for your regulatory …
Disclosure Management
Centralised disclosure library. Upload documents, link to your website, adviser-level customisation, and client acknowledgment tracking.
Team & Collaboration
Scale your practice without losing control. Multiple advisers, role-based access, and organised client management.
Built-in AI Adviser Assistant
Coming soon - Intelligent assistance powered by AI