Apply Now
Contact us

Meet Carl Pheasant

Head of Wealth / Financial Adviser
Get in touch
Learn More

Professional Summary

Carl brings over two decades of expertise in financial services, with a career that spans roles at Southern Cross HealthCare and Sovereign Life Insurance. Over the past decade, Carl has specialised in KiwiSaver, helping thousands of Kiwis through its complexities and helping them make informed decisions to enhance their retirement prospects.

Carl’s depth of experience in KiwiSaver fund choices allows him to offer invaluable insights into how current decisions can shape future outcomes. His dedication to explaining options and strategies ensures that clients receive tailored advice suited to their long-term financial goals.

Outside of his professional role, Carl enjoys family time with his wife and two children. He stays active through running and paddleboarding, follows basketball avidly, and loves building and listening to his extensive vinyl collection.

Book a Free Consultation

Areas of Specialisation

Carl has spent a decade specialising in KiwiSaver, advising thousands of New Zealanders on fund selection, contribution strategy, and how to make the most of their KiwiSaver entitlements. He understands that many KiwiSaver members are in the wrong fund for their age, risk profile, or retirement timeline, and that the cost of this misalignment, compounded over time, can be significant. Carl’s advice is focused on ensuring each client’s KiwiSaver is actively working towards their specific goals, not sitting in a default position that no longer reflects their circumstances.

Beyond KiwiSaver, Carl advises clients on managed fund investment as a vehicle for building and growing wealth outside of retirement savings. He works with clients to understand their investment objectives, risk tolerance, and time horizon, before recommending investment portfolios aligned to their financial position and long-term objectives. His experience working with high-net-worth clients means he is comfortable advising on more substantial investment arrangements and the additional considerations they bring.

One of the most common barriers to good investment decision-making is a poor understanding of risk and market volatility. Carl places significant emphasis on helping clients develop a clear, realistic understanding of how investment markets work, what short-term volatility means in the context of a long-term plan, and how their personal risk tolerance should shape their fund choices. This coaching approach means clients are better equipped to stay the course during market movements and avoid decisions that undermine their long-term outcomes.

Carl takes a long-term view of his clients’ financial wellbeing, helping them connect their investment decisions to a broader picture of what financial security and retirement look like for them personally. This includes reviewing the interplay between KiwiSaver, managed funds, and other savings, to ensure investment strategies align with both their aspirations and their capacity to invest.

Carl has extensive experience working with high-net-worth individuals who require a more sophisticated approach to investment planning. This includes clients with complex financial positions, multiple investment vehicles, or significant assets under management. Carl’s approach with these clients is analytical, disciplined, and focused on long-term strategy rather than product selection alone.
Book a Free Consultation

Experience and Background

Carl’s financial services career spans more than twenty-five years, with early roles at Southern Cross HealthCare and Sovereign Life Insurance providing a broad grounding in the industry before he moved into his current specialisation. Over the past ten years, his focus has been entirely on KiwiSaver and managed fund investment. He has advised thousands of clients and developed a deep specialist knowledge in these areas.

Carl’s KiwiSaver specialisation has coincided with significant changes to the scheme, including shifts in fund provider offerings, regulatory developments, and the growing importance of KiwiSaver as a retirement savings vehicle for New Zealanders. This ongoing focus ensures his advice reflects the current regulatory environment and the evolving KiwiSaver landscape.

At Threefold, Carl works alongside mortgage, insurance, and financial planning specialists, ensuring clients who are making major financial decisions have access to integrated advice that considers their investment and retirement savings position as part of the whole picture.

Who Carl Works Best With

Carl is well suited to working with:

  • Clients looking to set-up KiwiSaver or Managed Funds for the first time 
  • Individuals who have never reviewed their KiwiSaver and want to understand if it is set up appropriately for their goals
  • Clients approaching retirement who want to ensure their KiwiSaver strategy reflects their timeline and income needs
  • Investors looking to build wealth through managed funds alongside or beyond their KiwiSaver
  • High-net-worth individuals seeking a specialist adviser for more substantial investment portfolios
  • Clients who want clear, jargon-free explanations of their investment options and how different decisions affect outcomes
  • Anyone referred through the Threefold team who needs KiwiSaver or investment advice as part of a broader financial plan

Advice is tailored to each client’s individual circumstances, investment objectives and risk profile.

Regulatory Status

Carl Pheasant is a financial adviser operating under FSP775171. Financial advice is provided in accordance with New Zealand financial services regulation and professional standards.

Book a Free Consultation
I've been with Jonathan and his team for the last five years and have been so grateful for their insightful approach to best handling my finances. I appreciate that they provide options and their considered opinions but that they are also very relaxed about me making my own decisions. I've consistently found that they have their finger on the pulse of the markets and their advice tends to be spot on in terms of where they think things are heading. After spending most of my life not using a mortgage broker, the last five years have been a revelation. Jonathan, Julie and the Threefold team have removed the stress from my relationship with my bank and you can't put a price on that.
Jacqueline White
My husband and I have used Threefold for all of our lending needs over a number of years and we have had nothing but excellent service from Threefold. Jonathan and his team are true experts in this field and will guide you through the process in a simple yet very informative manner with great communication along the way. Highly recommend this business whether you are a first home buyer or seasoned investor.
Laura Thomas
Have been working with Jonathan and his team at Threefold for a number of years. It's always been a seamless process and Jonathan has been very straightforward and upfront about what's achievable. Excellent level of service and always on hand to provide clarification on matters. Highly recommend their services.
Te Atatu Management
We have been using Threefold for about 4 years now. I can happily say Jonathan and the mortgage adviser have been top notch. Used them for our house insurance and have been very satisfied especially when our house got flooded when the Auckland floods hit a few years back. When we switched KiwiSaver with the help of Threefold we have seen incredible growth. Matt with health and life insurance has been very helpful and proactive to find the right cover that is going to work for me and my family.
Edd S
Jess Rangi
Jess Rangi
March 15, 2026

I have had a great experience with Threefold. Carl was knowledgeable and patient explaining all my options and he made the process very easy. Would definitely recommend.

Konmi (Koves)
Konmi (Koves)
June 27, 2025

Had a meeting with Carl, the advice was great. Potential changing to Threefold after next fix.

Meg Whitehead
Meg Whitehead
February 26, 2025

I had an amazing experience with the team at Threefold. Richard Harwood, Mortgage Advisor with Threefold had come highly recommended by a colleague. Richard made the journey extremely smooth and seamless for me. From start to finish nothing was a problem for him, and given it had been some time since I had made a property purchase on my own, I was most grateful for his time, and immense patience with my many questions. I came out with a far more flexible option than my initial thoughts, and the best possible deal. He went above and beyond with recommendations for managing my finances post purchase, recommending Carl Pheasant to assist with moving my KiwiSaver and Australian Superannuation, and Sharon McAlister to discuss and guide me with my Personal Insurance needs. Can’t thank Richard, Carl and Sharon enough. You’ve all been amazing to deal with and incredibly helpful and patient. Thanks for your support. Highly recommend, Thanks Richard.

Contact us

Chat to Our Expert Team

We’d love to hear from you. Please fill out this form or shoot us an email.
Email
Send us an email or fill out the form.
Send email
Office
Visit our office for a personal consultation
Level 1, AIA House, B:Hive+,
74 Taharoto Road, Takapuna, Auckland, 0622
Apply Now
Start your mortgage application.
Register Your Details
Phone
Mon – Fri from 9am to 5pm
(09) 418 0773
Checkbox*
Chat to Our Expert Team Form

Sign up for our Newsletter

Receive insights, news and updates direct to your inbox.
Newsletter Form
© 2026 Threefold. All rights reserved.