Retirement village analysis your clients need. The maths you don't bill for.
A B2B analytical tool for NZ financial advisers. Decode ORA contracts, model 5/10/15-year exit costs, surface operator financial-viability red flags, and produce white-labelled PDFs that slot straight into your Statement of Advice appendix. You retain the regulated-advice responsibility; we provide the scaffolding.
Currently in practitioner discovery (Phase 0). First 15 firms get founding pricing locked for 24 months.
The work you're already doing for free
decoding a single ORA contract — DMF accrual, capital gain treatment, weekly fee escalation, transfer-to-care, refurbishment liability — for a client deciding on a $400k–$1M move.
that produces a 5/10/15-year total cost-of-tenure projection across multiple villages, side-by-side, branded under your firm.
that aggregates operator financial health (debt service coverage, days cash, occupancy trend, Statutory Supervisor flags) into a one-page SOA appendix.
How it fits in your SOA
We populate the structured analytical sections of your Statement of Advice. You write the scope, the recommendation, and the cover memo. You sign and stand behind the advice. We are infrastructure.
| SOA section | Who fills it | Our role |
|---|---|---|
| 1. Scope of advice | You | — |
| 2. Client circumstances | You (via our intake form) | Structured capture |
| 3. Analysis of options | You | Shortlist + comparison + financial viability |
| 4. Recommendation | You | — (regulated advice) |
| 5. Risks & trade-offs | You | Risk-flag summary |
| 6. Costs & fees | You | Cost-of-tenure model |
| 7. Other considerations | You | — |
Every output footer: "Analytical scaffolding prepared by CompareRetirementVillages under licence to [Firm Name]. Not financial advice."
What you get per client engagement
Interactive in-app
- →Structured client intake form (age, assets, family, health, regional preference, ORA preference)
- →Village shortlist with filter logic across 302 NZ villages
- →Cost-of-tenure calculator with sensitivity sliders (life expectancy, fee inflation, market downturn)
- →Operator financial-health radar (5-axis: days cash, net operating margin, debt service coverage, occupancy, net asset growth)
- →ORA terms heatmap across shortlisted villages
- →Year-over-year ORA diff history (the moat — we track every Disclosure Statement filing)
White-labelled PDF deliverables
- →Client Intake Summary (1–2 pp)
- →Village Shortlist Brief (3–5 pp)
- →Cost-of-Tenure Scenarios (4–8 pp)
- →Operator Financial Health Pack (2–3 pp per operator)
- →Side-by-Side Comparison (4–6 pp)
- →ORA Contract Decode + Anomaly Flags (5–10 pp)
- →Risk Flag Summary (1–2 pp)
- →Family-Shareable Summary (6–10 pp, plain language)
- →Full Report Compendium (25–40 pp, your firm branding)
Pricing
All tiers include the same analytical tools. Difference is volume and seats.
- • 1 client engagement
- • All tools enabled
- • Watermarked PDFs
- • 3 engagements/month
- • All tools
- • Basic firm branding
- • Unlimited clients
- • Full white-label PDFs
- • Client portal sharing
- • All charts & models
- • Multi-seat (5 included)
- • Shared client database
- • Admin reporting
- • Priority support
The FAP boundary — why this is safe to use in regulated advice
Under the Financial Markets Conduct Act 2013 and FSLAA 2019, regulated financial advice in New Zealand requires a FAP licence. We do not hold one. We do not need one — and neither do you for using this tool, beyond your existing licence.
We provide mechanical analytical outputs: cost-of-tenure dollar figures, financial-viability ratios calculated from public NZX and Companies Office data, ORA contract clauses surfaced verbatim, Statutory Supervisor flags reproduced from public reports. None of these constitute regulated advice. They are facts and calculations.
The recommendation — "based on this analysis, I recommend X for this client" — is yours alone. It sits on your letterhead, references your FAP licence, and carries your professional responsibility. Same legal position MoneyHub NZ and Sorted occupy with their tools — and the same MFA-safe pattern Pangaea uses across our other financial sites.
Phase 0 discovery — 30-min call
We're currently talking to 12–15 NZ practitioners to validate the framework before building. If you advise on retirement village decisions, your input shapes what we build. First 15 firms to commit get founding pricing locked for 24 months.