You don't need millions. You need a clear picture — and someone in your corner.
A free 3-minute tool that shows you where you actually stand. Even steady, high-earning households quietly wonder: are we actually building wealth?
We know what's possible with what you've already got. Do you?
How it works
Quick, built around you and zero judgement. Here's exactly what happens between now and your result.
Part 1
Five quick questions so we can send your result — and so it fits your situation. Whether you own your home, rent, or are saving for a first one, and roughly what you earn, changes what the right next step is. No phone number, and nothing is shared.
~30 secondsPart 2
Ten yes/no questions on the fundamentals — budgeting, debt, KiwiSaver, saving, investing — scored against what actually works, not against anyone else. No judgement. Just where you stand today, and the first practical moves from there.
10 questionsPart 3
Five short questions about what you're aiming for — a first home, the mortgage cleared, more choice later — so your result points at the right next move to set yourself up for it. Yours, not a generic one.
5 questionsAbout 3 minutes, start to result
Your result
In three minutes the scorecard tunes to where you actually are — one of three bands, each with its own playbook. It's not a test to pass. It's a signal to find. No judgement, just an honest read.
Tuning to your sweet spot
Good income, first big decisions, no plan yet.
First home, first baby, first salary that actually counts — more financial events a year than any other stage, and the stage least likely to get advice. That's fine, if you're learning at the same pace. Most people aren't. It's exactly who Ask Lara is being built for.
Playbook · Learn at pace
The basics are moving. Now the question is speed.
KiwiSaver sorted, saving monthly, mortgage on track — and the next decade is where compounding does its real work. The triggers are coming: the second property, the school years, one income pausing. We get in before them, not after — without sacrificing the lifestyle you live today.
Playbook · Structure for speed
You're running the system most people are still figuring out.
Multiple investments, structured debt, a horizon that's started to feel real. Later-life events arrive faster than they look — and pre-retirement isn't a date, it's a ten-year run-up. The question isn't what do I do. It's what am I missing that someone two steps ahead would already have done?
Playbook · Plan the run-up
Three bands, three playbooks. Whichever one you land in, we tune to it — not the other way round. Take the three minutes and find yours.And wherever you land — we're working on making good advice reachable for every Kiwi. Look out for Ask Lara.
A straight read on whether your income is building wealth — or just passing through.
What's your sweet spotThree stages · Three playbooks
Three stages of life, three sets of triggers, three different ways we work. Open the one that sounds like you. In the next three minutes the scorecard tunes to it.
Sound like one of these? Or somewhere between two — that's more common than you'd think. Take the three minutes and we'll tune to where you actually are.
The honest answer
It's a sensible first move — and plenty of Kiwis are making it. It's just not advice. Here's the difference.
This is the console. Every answer from her own material, every number computed on your device, a real person at the end of it. Drag the splits — it's yours to arrange. Ask it anything.
Built first for anyone just starting out — renting, saving for a first home, not at the income above yet. You're not a wrong fit, you're early, and the learning stays free. Take the scorecard, and at question 13, Would you use the Ask Lara app?, answer Yes. We'll let you know the moment it opens.
The team behind the score
Advisers who build the structure under a strong income.
So one day you choose how you spend your time — while still enjoying the life you're living today.
A plan that fits your life. No jargon, no brochure.
A clear path from one to the other.
The best plans get reviewed as life moves.
"Last year my partner and I decided to combine finances and tackle property together. Lara modelled some different options for us and helped us to work out a doable way forward for investing in a way that sets us up well for the future. Financial terms and concepts often feel frustratingly complex to grasp and Lara has done a brilliant job of helping us make sense of it all and provide a focus for our efforts. Really appreciate her support."Alexandra PoetshckeClient · MyFuture
"Lara Jane helped develop a strategy for wealth creation that enabled me to build appropriate investments really quickly, while ensuring risk management strategies were put in place. Her advice saved me financially when life threw a health curve ball. I am eternally grateful and highly recommend her financial services."Cheryl BrittonClient · MyFuture
"Lara is incredible to work with—patient, thoughtful, and incredibly thorough. I am someone with a relatively low financial literacy, but with Lara no question is too small, and education and understanding is just as important as decision-making. I would absolutely recommend Lara and MyFuture."Caitlin BrodbeckClient · MyFuture
"Working with Lara Jane at MyFuture has been a total gamechanger! I've got not only a solid plan for wealth creation and retirement, but also so much ongoing support along the way to actually put the plan into action. I find the regular reviews incredibly helpful, plus Lara Jane has the connections with other professionals to make things happen for me that I simply wouldn't know how to do myself. Highly recommend working with MyFuture if you want to make real change in your life and financial situation."Mary RinaldiClient · MyFuture
MyFuture
Advice for everyday Kiwis — built around you, not products.
