Wealth Health. Tauranga, since 2014.
A small independent financial advice firm started by an ex-BNZ Private Banker who had seen what was happening on the other side of the desk and wanted no further part in it.
Kitchen table to FAP licence.
Craig Coupland joined ANZ in 2000 as a twenty-two-year-old who, on his own description, knew nothing. Fourteen years and three banks later, in 2014, he and his wife Fiona started Wealth Health out of their kitchen in Papamoa. The story between those two dates is the reason the firm exists.
By 2007 Craig had worked his way up to BNZ Private Banker, the closest a bank role gets to being a real adviser. He was managing high-net-worth Bay of Plenty clients, structuring their lending, their KiwiSaver, their insurance and their investments. The role gave him a clear view of two things at once: how Kiwi households actually use money, and how banks make their money out of how Kiwi households use money.
It was the second view that wore him down. Clients told they could not refinance when they could. Households left in conservative KiwiSaver funds well into their thirties because nobody wanted to do the paperwork. Insurance policies sold by people who had never read a claim form. After a few years of it, Craig says, you cannot unsee it.
So in 2014 he resigned. He and Fiona set up Wealth Health Limited as an independent NZ-owned firm at the kitchen table, with one adviser, no bank, no product bias, and the brief to give advice across all four money pillars under one roof. The first clients were ex-BNZ colleagues, ex-BNZ customers, and friends-of-friends. Twelve years on, the firm runs almost entirely on referrals from the same network.
Why "wealthhealth"?
Most NZ financial firms are named after their founder, a place, or a metaphor that sounds important. Craig wanted a name that said exactly what the work was: looking after the health of a household's money. Not growing it for its own sake, not chasing returns, not selling product. Health.
The logo carries the same idea. The mark above the wordmark is a stylised electrocardiogram trace (the pulse) with a small heart shape sitting inside the upward spike, and a tidy W and H sitting underneath the line. The pulse is the financial picture. The heart is the family inside it. The W and H are doing the underwriting work. The whole thing renders in a single colour, so it works equally well on a business card, an FMA disclosure document, or the side of a coffee cup.
The wordmark is set lowercase, single word: wealthhealth. Not Wealth Health Inc, not Wealth Health Advisory Group. Lowercase, one word, no capitals. The intent is the same as the work: to take the seriousness out of the surface so the seriousness can sit in the substance.
Four pillars, one adviser, one relationship.
A bank gives you four product specialists who do not talk to each other. A traditional broker gives you one product. We give you one adviser across all four. The pillars hold each other up.
Mortgages
First home, refix, refinance, investment, construction, self-employed lending. Six banks negotiated at once.
Mortgage advice Pillar twoKiwiSaver
Fund selection, contribution rate, PIR check, first-home withdrawal, retirement projection.
KiwiSaver advice Pillar threeInsurance
Life, trauma, income protection, TPD, medical. Independent across seven NZ insurers. Claims handled in-house.
Insurance advice Pillar fourInvesting & planning
Retirement projections, direct investment advice, estate planning, succession. Where the other three meet.
Planning adviceFour people, twelve years.
Craig leads the advice. Fiona keeps the firm running. Jared takes the mortgage overflow. Caro handles the client experience. Final team-page profiles to be reviewed by each member before publish.
Licensed, registered, on the public record.
Wealth Health Limited holds a full Financial Advice Provider (FAP) licence from the FMA under FSP 523606. Craig Coupland holds Certified Financial Planner status (issued by Financial Advice New Zealand) and is registered as an adviser under FSP 105424.
The firm is a member of the Financial Dispute Resolution Service (FDRS), the FMA-approved external dispute resolution scheme. We carry professional indemnity insurance appropriate to the firm's size. Everything material about the firm is set out in the public disclosure document.
Independent verification points:
How we're different from a bank.
| A bank | Wealth Health |
|---|---|
| Sells one product range (their own) | Recommends across six lenders, seven insurers, ten KiwiSaver schemes |
| Staff rotate every 18 to 24 months | Craig has been your adviser for the whole 12 years |
| Four specialists who don't talk to each other | One adviser, all four pillars, one conversation |
| Negotiates the rate that suits the bank | Negotiates the rate that suits you |
| Compliance built for the bank, not the client | FAP licensed, FDRS member, full public disclosure |
| Costs you "fees" you cannot see | Commission disclosed in writing, planning fees agreed upfront |
About this version of the site.
This version of wealthhealth.co.nz is a demonstration rebuild prepared for Craig's review. Where you see references to client numbers, mortgage book size, team head count, or other specific firm metrics, those figures are illustrative placeholders marked "TBC" or "illustrative" and will be replaced with verified numbers (or removed if Craig prefers) before any of this faces a real client.
The four facts that are verified and locked across every page on this site are:
- Wealth Health was founded in 2014.
- Craig Coupland holds the CFP designation and adviser FSP number 105424.
- Wealth Health Limited holds a full FAP licence under FSP number 523606.
- The firm is based in Papamoa, Tauranga, and is a member of the FDRS dispute resolution scheme.
Everything else is up for revision.
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