Why Auro.
You work directly with the owner–adviser, supported by an efficient back office. That means you get personal advice from someone who actually knows your full situation, without being passed from person to person every time you need to make a decision.
- We look after over 1,000 New Zealander’s across three core advice areas: mortgage advice, personal risk insurance, KiwiSaver and investment advice. Our CRM and planning software mean your entire financial picture sits in one place – so every meeting considers your mortgage, cover, KiwiSaver and investments together. No conflicting advice. No retelling your story to a new “expert” each time you take out a loan or policy.
- We’ve advised households through booms and downturns, and we keep our advice simple – no complex reports or bravado‑based fee structures. Just clear modelling, straight talk, and smart use of technology so you get more value in less time.
- We’ve also seen the common roadblocks to financial resilience, and the risk of relying on a single “vehicle” for retirement. And we understand the Kiwi tall poppy narrative – the idea that building wealth somehow makes you a bad person. We see it differently: taking care of your family, your future and becoming financially independent is responsible, not selfish.
We also understand the Kiwi "tall poppy" narrative — that building wealth somehow makes you a bad person. Our view is the opposite: taking care of your family, your future, and becoming financially independent is responsible, not selfish.
What makes us different
- Independent, always. We’re not owned by a bank, fund manager, or insurer. No product targets, no preferred provider quotas – just advice aligned with your best interests.
- Personal, not anonymous. You work with an adviser who lives many of the same realities as you – juggling career, family, property and investing – and who actually knows who you are when you call for a review. You’re not starting from zero with a new face every time.
- Your whole picture, modelled. We don’t guess. We build a tailored financial model for every client so your mortgage, insurance, KiwiSaver and investments are pulling in the same direction.
- We’re here for the long haul. Most clients stay with us for years. We review, adapt and keep your strategy relevant as markets move and life changes, rather than giving you a one‑off report and disappearing.
Where Auro fits
More than a product conversation. Less than a private family office.
Most households receive financial advice in separate pieces. A mortgage broker helps arrange lending. An insurance adviser helps arrange cover. A bank provides products from its own range. A financial planner may create a broader plan.
Auro sits between these extremes, providing coordinated financial strategy for established New Zealand households who want their mortgage, insurance, KiwiSaver and investments considered together, without needing the complexity of private banking or a family office.
PRODUCT ADVICE
COORDINATED STRATEGY
COMPLEX WEALTH INFRASTRUCTURE
Bank
Selling and arranging its own lending, banking and investment products from its approved product range
Advice is generally limited to that bank’s products and services. You may not receive an independent, whole-of-market view of your complete financial position.
Mortgage broker
Finding and structuring lending, often around a specific purchase, refinance or loan application
Usually transaction-focused. They cannot model your lending alongside insurance, KiwiSaver and investments. Advice may be limited to the lending decision in front of you.
Insurance adviser
Personal and business risk cover
May not coordinate insurance with your mortgage, KiwiSaver, investments and broader wealth strategy. You may need separate advice for the rest of your financial position.
Investment adviser
Investment portfolios, managed funds and retirement assets
May not include lending, insurance and wider household decisions in the same model. A separate fee may apply for investment advice, portfolio management or ongoing reviews.
AURO
Mortgage, insurance, KiwiSaver and investment strategy considered together for financial security and well-being done simply
- One connected plan
- One relationship
- Smart use of modelling
- Ongoing reviews
Financial planner / private wealth adviser
Broader financial plans for complex estates, business owners, ultra-high-net-worth individuals and multigenerational families
You may pay a separate planning fee before implementation. Advice may be more detailed and complex than you need, and you may still need to coordinate lending, insurance, tax, legal and investment providers yourself.
Private banking / family office
Complex businesses, substantial liquid wealth, sophisticated structures and multigenerational wealth
May provide a high level of service, but often comes with higher fees, minimum asset requirements or greater complexity. It may be more than most households currently need.
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Product advice
Coordinated strategy
Complex wealth infrastructure
Advice that fits your stage
You do not need to be ultra-wealthy to benefit from a connected financial strategy, with your mortgage, insurance, KiwiSaver and investments working together under one roof.
Auro is designed for busy professional households, typically earning $250K–$500K combined, whose income is strong but whose time and energy are focused on career, family or business. You want a great home and a solid retirement, without the complexity of private banking or a family office.
Our role is to bring these decisions together into one clear strategy. Where specialist tax, legal or estate advice is required, we will tell you and help coordinate the right people.
You do not need another isolated product conversation. You need to understand how the major decisions affect one another.
Auro does not claim to replace every specialist. We make sure the major financial decisions most households require are considered together.
our process
Advice that goes the full distance.
We follow a five‑step process. Every client goes through all five – because good advice isn’t a single conversation, it’s an ongoing relationship.
- Discovery — We listen before we advise. No products mentioned.
- Modelling — Your financial future, built in real numbers.
- Strategy — One plan. Every piece connected.
- Implementation — We do the work. You make the decisions.
- Review — We stay with you. Your life doesn't stay still.
Who we work with.
We specialise in busy professional households who earn $250,000–$500,000 combined household income, are typically 35–50, and are on PAYE or shareholder salary in stable businesses. They want a great home and a solid retirement — not a ten-property empire.
- Don't want to build a big property portfolio, or have been burned by downturns and don't want all their wealth tied to one asset class
- Don't know where to start with other investments
If your income is strong but your time and energy are focused on your career, family, or business rather than managing your finances, you're our person.
The real concerns we solve.
Most high-income Kiwi households come to us with the same questions — usually some version of:
- "We're nervous about taking on a much larger debt level."
- "We want to know we'll still have money for lifestyle after this move."
- "We're unsure property will keep growing in value like it has previously — should we think about other investments alongside?"
- "We want to retain as much of the sale proceeds as possible, not watch it all be repaid to the bank."
- "We care about the long-term performance of this purchase and our other assets, not just the next 12 months."
Our job is simple: help you buy well, keep living well, and still hit your long-term wealth target. Our advice is delivered so those questions are answered with numbers, not hope.
We work best with people who want to understand their finances — not just outsource them.
Our clients aren't necessarily wealthy. They're people who've decided to take their financial life seriously — and want an adviser who'll treat it the same way. We typically work with:
- Growing families managing mortgages, income risk, and the beginning of serious wealth-building — all at once.
- Business owners with complex insurance needs, irregular income, and a business that represents both their livelihood and their most valuable asset.
If you're not sure whether we're the right fit, book a 10-minute call. We'll tell you honestly.
Our simple wealth path — without complexity.
It's not about fancy products or complex reports. It's about getting the basics right and doing them consistently:
- Buy the right home, the right way — structure the lending so you keep flexibility and protect cash flow.
- Protect the downside — personal risk insurance to cover major life events so one shock doesn't destroy decades of work.
- Maximise KiwiSaver and core investments — use KiwiSaver properly so you're on track for multi-million dollar balances by 65, then layer additional investments.
- Add simple, sensible investments — over time, move into diversified investments and, for some, one or two well-selected investment properties. Not a speculative empire.
No complicated schemes. No get-rich-quick strategies. Just a clear, executable plan. If you want someone to help you stick to the basics, not sell you the latest product trend, we’ll be a good fit.
Team leader
Who you'll work with
Mike Willoughby
Founder
Mike Willoughby is the founder of Auro. He’s been actively investing since 18, has bought, sold and developed property, and has navigated the realities of marriage, divorce, and rebuilding a life plan more than once.
That lived experience means Mike doesn’t see money decisions as numbers on a page, but as trade‑offs between family, career, freedom and security. He combines that with formal training in business and years advising Kiwi households on mortgages, insurance, KiwiSaver and investing.
Clients value his ability to take complex situations – multiple properties, blended families, business ownership – and turn them into a clear, executable plan they can stick to through changing markets and life events.
We'd like to understand your situation before we offer an opinion.
Book a free consultation and find out if we're the right fit.