About Spectra
Independent, fee only financial advice with a personal approach.
Hi, I'm Piet
I’m the founder and adviser behind Spectra Financial.
My background is in commercial finance, where I learned to analyse complex situations, understand the numbers and make thoughtful decisions.
Over time, I found that what I enjoyed most was helping people work through important decisions and understand what their options really meant.
That led me to build Spectra around a different approach to financial advice.
I don’t believe good advice starts with a product or a predetermined solution. It starts with understanding where you are, what matters to you and what you want to achieve.
From there, I bring the numbers, options and trade offs together to help you make decisions with clarity and confidence.
Why I built Spectra
Financial advice can become focused on products, investments and numbers.
But the financial decisions people make are rarely just financial decisions.
They are decisions about where you want to live, how you want to spend your time, what you want to provide for your family and what you want your future to look like.
I built Spectra to put those decisions at the centre of the advice.
My role isn’t to tell you what your life should look like. It’s to help you understand your options, work through the trade offs and build a financial strategy around what matters to you.
You work directly with me
When you work with Spectra, you work directly with me.
I’m the person you speak to, the person doing the analysis and the person giving you the advice.
There are no handovers to a junior adviser or sales team. I take the time to understand your situation properly and stay involved throughout the process.
Some people come to me with one specific decision they need help with. Others want to step back and understand their financial position as a whole.
Either way, my role is to help you understand your options and work out what makes sense for you.
How I work
I don’t think financial planning is about following a perfect formula.
Your circumstances, priorities and plans will change over time. Good advice should give you a clear direction while leaving room to adapt as life changes.
That means sometimes the right answer is to invest more. Sometimes it’s to pay down debt, change your insurance, spend money on something important or simply do nothing for now.
The right strategy depends on the person and the life they want to live.
Independent by design
I chose to build Spectra as a genuinely fee-only financial advice practice.
I don’t receive commissions, trails, referral fees or other payments from financial product providers. I don’t have preferred products that I need to recommend, and I don’t require clients to use an ongoing investment management service.
I provide the advice and recommendations. You decide what to implement.
You remain in control of your money and what happens next.
My experience
Before founding Spectra, I built experience across accounting, strategic finance and financial advice.
My career has included roles with KPMG and Indevin Group, where I developed experience in financial analysis, business planning, transaction advisory and strategic decision-making. I later moved into financial advice, helping individuals and families develop strategies around their goals, investments, KiwiSaver, insurance and broader financial decisions.
Qualifications & experience
Founder and Director of Spectra Financial Services
Financial advice experience supporting individuals and families
10 years’ experience across KPMG and Indevin Group
Bachelor of Business Studies (Accounting & Finance)
Completed the Chartered Accountants Program
New Zealand Certificate in Financial Services (Level 5)
Investment
Life, Disability and Health Insurance
Residential Property Lending
Let’s talk
You don’t need to know exactly what you need before getting in touch.
I offer a free 30 minute conversation so we can get to know each other, understand what you’re looking for and work out whether I can help.
There’s no obligation to proceed.