About us


Who is National Capital?

We are Financial Advisers specialising in KiwiSaver & Investment research. National Capital was founded in 2018 and now advises Kiwis on over $10 million of their KiwiSaver savings. We are based in Auckland, but serve clients all over New Zealand. We provide free KiwiSaver advice, with the goal of empowering one million Kiwis to become financially secure.

We're always happy to chat, so please feel free to contact us



Clive Fernandes

Director / Financial Adviser

Clive is both a director and the senior financial adviser for National Capital. Prior to launching National Capital, he worked for Findex, an Australia/NZ advisory firm with over seventeen billion dollars in funds under advice. He launched National Capital in 2018 with the intention of helping more Kiwis become financially secure.




James McKelvie

Financial Advice Design

James has a Masters degree in Applied Finance. He has experience in both the design and delivery of financial advice. James works on the advice logic and the financial strategy behind it. James previously worked for Findex New Zealand Limited, advising high net worth families and trusts on creating long term, generational wealth management strategies.



Arran Cunningham

User Experience Design

Arran is an experienced Digital Designer with a demonstrated history of working in the retail industry. Skilled in Web design/development, Motion Design & Branding with attention to detail. He has a Bachelor of Media Arts - Graphic Design Major from Waikato Institute of Technology.



Important Disclosure Information

Licensing Information: National Capital Limited (FSP639129) trading as National Capital, holds a transitional license issued by the Financial Markets Authority to provide financial advice. 

Nature and scope of the advice: Our service is primarily in advice around their KiwiSaver investments, however, we may also provide bespoke Investment & Financial Planning advice to certain clients from time to time. In addition, we may offer Insurance and Mortgage advice via our partners. The business primarily includes the provision of advice, guidance, opinions, recommendations, implementation and review relating to KiwiSaver.

Our KiwiSaver recommendations are limited to the providers that we have an agency agreement with. The complete list of these providers can be found here.

Fees: In most cases National Capital will not charge you a fee for our services. If we offer you a service that will cost you, we will inform you beforehand and get your explicit agreement before we provide you with that service. 

Conflicts of interest and incentives: There are situations in which we will be paid an advice fee or commission by other organisations such as the KiwiSaver providers we have recommended to you. How much that payment will be, depends on the decisions that you make. We will provide details on how much we are paid in our written advice.

Being paid a commission by a provider we recommend creates a potential conflict of interest between you and us. We could be tempted to recommend a fund simply because it pays us a higher commission. The way we deal with that at National Capital is by being a 100% transparent with you. In addition, we manage any conflicts of interest that may arise from the receipt or possible receipt of the above types of remuneration in the following ways

  • National Capital does not have any prescribed quotas or similar arrangements that require a minimum proportion of sales to be placed with a particular provider.
  • We are required to follow an advice process whereby client needs and objectives are identified and product recommendations are made on the basis of those needs.
  • We must disclose and explain any perceived or potential conflicts of interest to each client when completing the advice process with that client.

Referral relationships: We may refer you to another financial adviser that specialises in insurance and mortgages. National Capital is eligible to receive a referral fee should you choose to use their services. The decision to use their services is entirely up to you. We will provide you with more details of this referral fee once we have made the referral.

Complaints handling and dispute resolution: If you have a problem, concern, or complaint about any part of our service, please tell us so that we can try to fix the problem. You may contact Clive Fernandes, director of National Capital by emailing

When we receive a complaint,
  • We will consider your complaint and let you know how we intend to resolve it. Where possible, we try to resolve your complaint immediately.
  • If we are unable to resolve your complaint immediately, we will acknowledge your complaint within 2 business days. We may contact you to get further information about your complaint.
  • We aim to resolve complaints within 10 working days of receiving them. If we need more time to investigate your complaint, we will let you know when you can expect to receive a response to your complaint
  • We will contact you by phone, email or letter to let you know whether we can resolve your complaint and how we propose to do so.

If we cannot agree on how to fix the issue you can contact Financial Services Complaints Ltd. This service will cost you nothing and will help us resolve any disagreements.

You can contact Financial Services Complaints Ltd at:

Address: FSCL, Level 4, 101 Lambton Quay, Wellington 6011, or
FSCL, PO Box 5967, Wellington 6145
Telephone number: 0800 347 257
Email address:

Duties information:

National Capital, and anyone who gives financial advice on our behalf, have duties under the Financial Markets Conduct Act 2013 relating to the way that we give advice. We are required to:

  • give priority to your interests by taking all reasonable steps to make sure our advice isn’t materially influenced by our own interests,
  • exercise care, diligence, and skill in providing you with advice,
  • meet standards of competence, knowledge and skill set by the Code of Professional Conduct for Financial Advice Services (these are designed to make sure that we have the expertise needed to provide you with advice),
  • meet standards of ethical behaviour, conduct and client care set by the Code of Professional Conduct for Financial Advice Services (these are designed to make sure we treat you as we should, and give you suitable advice).

This is only a summary of the duties that we have. More information is available by contacting us, or by visiting the Financial Markets Authority website at

Contact Details:

Physical Address: 46A Gill Avenue, Te Atatu Peninsula, Auckland 0610
Mailing Address: PO Box 2134, Shortland Street, Auckland 1011
Phone: 0210 499 703

Rest of the team

We're helped by an amazing team of support staff who help us in client administration and KiwiSaver research. We're also very lucky to have an advisory board of some very experienced and smart Kiwis who are there to guide us on our journey to help 1 million Kiwis become financially secure. 

A big thank you to our past and present interns for their work at National Capital!

Alex Dam LinkedIn Icon

Alex Dam
Alex studies a Bachelor of Business majoring in finance and entrepreneurship at Auckland University of Technology. He is passionate about startups and combat sports. He worked alongside David to research and perform qualitative and quantitative analysis on several KiwiSaver funds, which then were used to create comprehensive research reports. Alex also assisted in the refinement of National Capital's Investment selection process. 

Alicia Reid LinkedIn Logo

Alicia Reid
Alicia is an Economics and Finance student at Auckland University of Technology. She was previously a Ballerina at The Mikhailovsky Theatre in Saint Petersburg and is now starting her new career in Business. She assists our Authorised Financial Advisers in processing clients' KiwiSaver Recommendations, creating advice documents and coming up with new content for National Capital's website.


Ashay Shekatkar LinkedIn Icon

Ashay Shekatkar
Ashay has a Master of International Business from the University of Auckland. As an Investment Analyst, he performed quantitative and qualitative research on KiwiSaver fund managers to create research reports, performance reports, and fund updates. Ashay also assisted with IT support. 


Asyila Syarief LinkedIn Icon

Asyila Syarief
Asyila has a Bachelor of Business majoring in finance and economics from Auckland University of Technology. As a communications management intern,  her responsibilities include content creation. Take a look at her contribution to our KiwiSaver Blog.


Emilly Liang LinkedIn Icon  

Emilly Liang 
Emilly has a Bachelor of Business majoring in finance from Auckland University of Technology. Her responsibilities included communications management and content creation. Take a look at her contribution to our KiwiSaver Blog.


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Finlay Benton 
Finlay is a third year student at AUT, majoring in Finance and is currently on the Dean's Honour Roll in the Faculty of Business, Economics and Law. He is also undertaking his Co-Operative placement over the Summer of 2020 with National Capital as a KiwiSaver Paraplanner. Take a look at his contribution to our KiwiSaver Blog.

Megan LinkedIn Icon

Megan Palmer 

Megan has a Bachelor of Business majoring in finance and management from Massey University. She was one of our first interns and established our KiwiSaver Blog. Take a look at her contribution to our KiwiSaver Blog.

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Naman Thapar
Naman is majoring in Information Systems and Computer Science at the University of Auckland. During his time at National Capital, Naman worked on a variety of tasks. These tasks included developing a business case, and research towards improving the digital advice logic of the company’s advice algorithm. Naman played a crucial part in analysing client’s information and providing clients human-made decisions that could be further implemented into AI. His initial research into process management systems helped National Capital establish a proficient structure for complex scenarios and troubleshooting.


Peijun Song LinkedIn Icon

Peijun Song
Peijun has a Master's degree in Applied Finance from Auckland University of Technology. Peijun has been one of our interns since July 2020. She was mainly in charge of the maintenance, oversight, and improvement of our company policies. Now she takes the responsibility of creating Mandarin blogs on our website. Take a look at her contribution to our KiwiSaver Blog.



Philip Richard Jansen LinkedIn LogoPhilip Richard Jansen
Philip is studying for a Masters of Global Business at Auckland University of Technology. He loves the outdoors and going on small adventures. National Capital has taught Philip a great deal about becoming a creative thinker and what it means to work in a team environment. He found that he is extremely dedicated to and enthusiastic about investing. His responsibilities include qualitative and quantitative analysis on several KiwiSaver funds and showcasing the result of his research on the website for everyday kiwis. 


Rishabh Shah LinkedIn Icon


Rishabh Shah
Rishabh is studying a Bachelors degree in Information Systems and Computer Science at the University of Auckland. Passionate about data and exploring new technologies, his entrepreneurial and technical skills played a large part in National Capital's early stages. He obtained stakeholders' requirements, mapped user stories, and communicated with technical and business stakeholders. He also presented a business proposal to stakeholders which was implemented and achieved great success. 



Rui Shen

Rui is an Authorised Financial Advisor with a Master degree in applied finance. She worked with James to deliver high-quality personalised solutions in KiwiSaver investments for our clients. Her major responsibilities include analysing clients' financial information, generating the statements of advice and investment strategy modelling.


Tashia Kemps

Tashia has completed her bachelor degree in Business Management specialising in Marketing at Unitec Institute of Technology. As a marketing intern she worked with David to carry out market research and testing for new business in the Waikato region. She was also able to assist in analysing current marketing and sales funnels for National Capital.


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William Austin
William studies a Bachelor of Business majoring in Finance and Economics at AUT. With an eye towards postgraduate research in Economics and Finance, William enjoys learning about and sharing his knowledge of personal finance to others. As a user communications intern, William has helped contribute to National Capital’s blog (click here to see). His work continues on with the work of our previous communications interns by expanding on their blog posts and contributing new insights for our blog readers.



What is our story?

All New Zealanders deserve to be financially secure but only 1 in 3 of us feel that way now. National Capital wants to help Kiwis do better. We believe that the first step to achieving our mission is to maximise our KiwiSaver opportunity. 

National Capital was founded in 2018 and now advises Kiwis on over $10 million of their KiwiSaver savings. We are Financial Advisers specialising in KiwiSaver & Investment research. 

National Capital is a Registered Financial Service Provider (FSP639129) and is supervised by the Financial Markets Authority (FMA). We are based in Auckland, but serve clients all over New Zealand. 


What are our values?

National Capital is formed on the principles of pūataata (transparency), tikanga (ethics) and taurikura (prosperity). 

Our ethics policy is built on five pillars: Transparency, Client First Decisions, Competence, Confidentiality and Professional Behaviour.

Everything we do will be in an ethical manner and we will allow you to be the judge of that by being 100% transparent. Underpinning these five pillars is Integrity, which we define as being consistent in our application of the above principles, and holding not only ourselves but everyone in our company to the same high standards.


What do we offer?

We provide free personalised KiwiSaver advice with the goal of empowering one million Kiwis to become financially secure. We help our clients select an appropriate KiwiSaver provider and fund which suits their goals, requirements and financial situation. Our research covers more than 100 KiwiSaver funds from 12 different KiwiSaver Schemes. 

Let us help you - start by taking our KiwiSaver HealthCheck.


Who are our clients?

We want to help as many Kiwis as possible in KiwiSaver. That includes those for who retirement is getting serious, Kiwis who are planning on using KiwiSaver to buy their first home and those who simply want to know which KiwiSaver fund is best suited to their personal situation.

In the past, receiving sound financial advice has been expensive and time-consuming. National Capital wants to make a change so financial advice is more accessible and understandable for our clients. 

But don’t just take it from us. Here is what some of our clients had to say.