For over a decade, Cardiol has been empowering New Zealand entrepreneurs, high-net-worth individuals, and startups with comprehensive financial guidance and investment expertise.
About Cardiol
New Zealand's Premier Investment Consultancy
New Zealand's Premier Investment Consultancy
For over a decade, Cardiol has been empowering New Zealand entrepreneurs, high-net-worth individuals, and startups with comprehensive financial guidance and investment expertise.
Cardiol was founded in 2010 by Emma Wellington, a seasoned financial expert who recognized a critical gap in New Zealand's investment landscape. After spending 15 years working with international financial institutions in London, New York, and Singapore, Emma returned to her native New Zealand with a vision to create an investment consultancy that would bridge local market knowledge with global financial expertise.
What began as a small consultancy with just three team members has grown into one of New Zealand's most respected financial advisory firms. Our journey has been defined by navigating clients through significant financial events – from the aftermath of the 2008 global financial crisis to the economic impacts of the COVID-19 pandemic.
In 2015, we expanded our digital capabilities with the acquisition of FinTech startup NZInvest, allowing us to offer cutting-edge financial technology solutions to our clients. By 2018, we had established strategic partnerships with investment firms across Asia-Pacific, Europe, and North America, giving our clients unprecedented access to global opportunities.
Today, Cardiol manages over $1.2 billion in assets for clients across New Zealand, with offices in Auckland, Wellington, and Christchurch. Our team has grown to include 35 investment professionals, each bringing specialized expertise and a commitment to our core philosophy: transparent, long-term focused investment strategies powered by digital innovation.
Cardiol founded in Auckland by Emma Wellington
Expanded to Wellington office, client assets reach $100M
Acquisition of NZInvest, launching digital platform
International partnerships established, assets reach $500M
Opened Christchurch office, launched sustainable investment division
Assets under management exceed $1.2B
What drives us every day
To empower New Zealand investors with transparent financial guidance, innovative digital tools, and access to global opportunities that build long-term wealth and financial security.
We believe in complete clarity around fees, strategies, and expected outcomes. Our clients always know exactly what's happening with their investments and why we make specific recommendations.
We focus on sustainable growth rather than quick wins. Our strategies are designed to weather market fluctuations and deliver consistent returns over time, protecting and growing your wealth for generations.
Technology is revolutionizing financial services, and we're at the forefront. Our proprietary digital tools provide real-time insights, scenario modeling, and seamless portfolio management for the modern investor.
While deeply rooted in New Zealand, our network spans international markets. This unique position allows us to identify opportunities worldwide while understanding the local context that matters to our clients.
We believe informed clients make better decisions. That's why we invest heavily in educational resources, workshops, and personalized guidance to ensure our clients understand their financial options.
We hold ourselves to the highest ethical standards in all client interactions. Our recommendations are always driven by what's best for clients, not what's most profitable for us.
Meet the financial minds behind Cardiol
A decade of financial excellence
Our flagship balanced portfolio has outperformed the NZ market average by 4.2% annually over the past decade, placing us in the top 5% of investment consultancies nationwide.
We maintain a 97% client retention rate, with an average relationship duration of 8+ years. Our Net Promoter Score of 78 places us well above the industry average of 45.
Named "Investment Consultancy of the Year" for three consecutive years (2021-2023) by Financial Review NZ. Our digital platform received the FinTech Innovation Award in 2022.
Through our Financial Literacy Foundation, we've educated over 5,000 young New Zealanders on investment basics. Our team volunteers 1,500+ hours annually to community financial education.
What our clients say about working with us
"Cardiol has transformed how I approach my investments. Their transparency around fees and performance is refreshing, and their digital tools give me insights I never had before. After five years with them, I've seen my portfolio grow well beyond my expectations."
Sarah Michaels
Tech Entrepreneur, Auckland
"As someone who's built several businesses, I appreciate Cardiol's long-term thinking and strategic approach. They've helped me not just manage my existing wealth but create structures that will benefit my family for generations. Their global connections have opened doors I didn't know existed."
David Thompson
Serial Entrepreneur, Wellington
"When I sold my startup, I suddenly had more capital than I knew how to manage. Cardiol not only helped me invest wisely but educated me throughout the process. Their team took the time to understand my goals and risk tolerance, creating a personalized strategy that's performed exceptionally well."
Mei Lin
Former Tech Founder, Christchurch
Where financial excellence happens every day
Auckland Headquarters
Wellington Office
Christchurch Office
Client Meeting Room
Digital Analytics Center
Financial Education Workshop
Join hundreds of successful New Zealand investors who've partnered with Cardiol to achieve their financial goals. Our team is ready to create a personalized investment strategy that aligns with your unique objectives.
