eccuity launches digital wealth platform for New Zealanders
New Zealand fintech startup eccuity has launched a digital wealth platform intended to make personalised financial planning more accessible for a broader range of New Zealanders, especially business owners and founders. The software aims to integrate real-time analytics and human advice, while seeking to address major pain points related to high costs and limited transparency in traditional wealth management.
Digital wealth engine
eccuity's platform provides users with a singular interface to manage investment portfolios, budgeting, insurance, retirement planning, and financial modelling. The technology enables customers to visualise their entire financial position using a dashboard that brings together multiple asset classes. These include US equities, ETFs, cryptocurrencies, and model portfolios linked to trader strategies. The company is developing support for New Zealand and Australian equities for future inclusion.
Unlike many digital investment tools which focus solely on portfolio management, eccuity seeks to offer a holistic solution by linking personal financial decisions to broader life goals. Through real-time modelling and scenario testing, users are encouraged to align their investment and savings strategies with longer-term plans.
Support for business owners
The platform places particular emphasis on serving business owners, who often face challenges in integrating their company and personal financial plans. By aggregating information about business equity, cash flows, and personal assets, the tool aims to provide founders with clarity about how their business decisions affect their overall financial outlook.
"It's about giving business owners the confidence to make better decisions for both their company and their family's future," said Charlie Meaden, Chief Executive Officer, eccuity.
Flat membership model
eccuity offers its services through a flat membership fee, moving away from the commission-per-transaction model that is common in many financial advisory services. Users who subscribe to its eccuity Private service receive full access to the tools, advice, and ongoing support the platform provides.
"By charging a flat membership fee, we can focus on delivering value through access to expert advice, tools, and outcomes, rather than profiting every time someone makes a trade," said Meaden.
The aim is to improve fee transparency and avoid conflicts of interest associated with commission-based payments. As part of the service, customers can use advanced financial modelling to simulate potential future outcomes before committing to any decision.
Combining human and digital
The company's approach blends automation to process data and make initial personalised recommendations, while retaining human financial advisors for more complex scenarios. This hybrid model reflects a growing movement in financial technology towards augmenting rather than replacing expert advisors.
"We don't see technology as replacing human advisors completely," said Meaden.
Access and education
Research from the Financial Markets Authority shows that nearly half of New Zealanders have never accessed professional financial advice, often due to cost or a perceived lack of access. eccuity aims to lower these barriers by offering digital tools, educational resources, and more inclusive pricing structures.
"Financial wellbeing is about knowledge and being well informed as much as it is about tools," said Meaden.
The business has operated with early adopters over the past year, using real-world feedback to refine its offering. With a team spanning finance, technology, and design, eccuity is now preparing for broader public availability across New Zealand. "We're here to make financial advice accessible, affordable, and meaningful for everyone-not just the privileged wealthy few," said Meaden.
