An AI assistant that asks, not advises
- Guides people through the questions in plain language
- Shows a personalised projection of their KiwiSaver balance
Case study - Staffords Wealth Management
Nudge: AI runs the conversation, code makes the call
Nudge is a free KiwiSaver advice portal for Staffords Wealth Management, a Christchurch financial adviser. An AI assistant walks people through the questions in plain language. The risk scoring, the paperwork and the final say stay with plain code and a licensed adviser.
- Client
- Staffords Wealth Management, Christchurch
- Product
- Nudge, a free KiwiSaver advice portal
- Our role
- Build and ongoing development (UI design by Ben Ashby)
- Live
- nudgekiwi.nz
Nudge in numbers
- 145+Kiwis helped
- ~5 minto complete
- $0cost to the person
As published on nudgekiwi.nz, September 2026.
The brief
Staffords wanted a web-based KiwiSaver advice portal powered by a conversational AI assistant: one that guides people through the full advice journey, produces a Statement of Advice and helps with identity verification.
For advice, we kept the recommendation out of the AI's hands. The build splits the work cleanly between what the AI does well - the conversation - and what has to be deterministic and reviewable.
What we built
Risk scoring in plain code
- The risk profile is scored by fixed rules, not by the AI
- Scores map to funds the same way every time
Statement of Advice and ID checks
- The Statement of Advice is generated as a PDF from a fixed template and emailed
- Identity verification through RealAML, including face matching
A person signs off
- An adviser dashboard, protected by multi-factor sign-in and an allowlist
- A licensed adviser reviews before anything is actioned
The AI never picks a fund.
Building for a regulated industry?
Advice, finance, compliance. We build AI that does the conversation and the admin, and leaves the decisions where they belong.
Last updated 19 September 2026