Paul O'Regan
Director & Financial Planner
cfp, bcm, g.dip.bus.stud (pfp
end)
FSP No. 730371
Mobile:
020 523 09395
Email:
paul@everwise.co.nz
About Paul O'Regan
Paul brings over 20 years of experience in the financial services industry, with a strong focus on building long-term, trusted relationships with clients, legal advisors, and accountants.
His approach is rooted in providing clear, unbiased advice, empowering clients to make confident financial decisions for themselves and their families.
Paul’s career began in banking, where he worked for investment banks in London and Sydney, gaining a solid understanding of global financial markets. After returning to New Zealand in 2004, he worked for a rural bank for 13 years as a senior rural manager.
When COVID-19 hit, Paul decided to refocus on finance and qualified as a financial adviser. He then worked with a national advice firm for 4 years until deciding to chart his own destiny. Throughout his career, Paul has always been committed to acting in his clients’ best interests, ensuring their financial security and success.
In 2023, Paul was presented with an Academic Excellence Award at Massey University from Financial Advice New Zealand for being the top student in a Financial Advice Implementation paper, and he remains an active member of the organization.
In 2025, Paul founded Everwise Wealth Partners with the mission to provide independent, client-focused advice—helping families thrive financially without the pressure to promote specific products. His guiding principles is to put clients interest first, always act with integrity, and provide advice that is suitable for clients.
Paul holds a Bachelor of Commerce and a Graduate Diploma in Business Studies, endorsed in Personal Financial Planning from Massey University. He is also a Certified Financial Planner (CFPCM), the highest globally recognized qualification in financial planning.
Outside of work, Paul enjoys the outdoors, with interests in touch rugby, golf, and tennis, which help him connect and build camaraderie with people from all walks of life. He is married and they have two teenage boys.
Paul is a member of Financial Advice New Zealand and is fully qualified to assist with all aspects of personal financial planning, including investment and retirement planning.
Our Approach
Personalized financial planning advice designed specifically for you, along with customized investment strategies to align with your goals.
Embrace your financial journey with confidence
At Everwise Wealth Partners, we believe a confident financial future begins with strategic planning. We carefully assess your unique circumstances to develop a bespoke financial roadmap. This allows us to enhance your financial well-being, prioritizing your needs before recommending any investment solutions. Our collaborative process ensures every strategy is custom aligned with your goals and aspirations, empowering you to achieve the life you envision.
Tailored to Your Needs
Our conversations will extend beyond just investment topics; we’ll focus on your life and how financial security factors into your overall well-being. Our financial planning process involves a thorough exploration of your goals and motivations, allowing us to serve as a trusted sounding board, offering guidance and support whenever you need it.
Empowered by Independence
Our autonomy allows us to thoroughly evaluate a wide range of financial planning strategies, ensuring that our investment recommendations prioritize your best interests. To instill confidence in our advice, we are committed to transparently sharing our expertise, clarifying the complexities of investing, and providing well-researched explanations to support our guidance.
Our Financial Planning Process
At Everwise Wealth Partners, our financial planning process rigorously adheres to the CFP Board's Guide to the Practice Standards. This commitment ensures our services consistently meet the highest professional and ethical benchmarks, delivering comprehensive and ethical financial planning tailored to your needs.
The CERTIFIED FINANCIAL PLANNER credential is the most desired and respected global certification for those seeking to demonstrate their commitment to competent and ethical financial planning practice. CERTIFIED FINANCIAL PLANNER professionals meet initial and ongoing education, experience and professional development requirements, pass a rigorous exam that assesses competency, and adhere to a code of ethics, pledging to provide financial planning in the interests of clients and with the highest ethical and professional standards.
CFPCM is a registered certification mark and
CERTIFIED FINANCIAL PLANNERCM
is a common law certification mark owned outside the U.S. by Financial Planning Standards Board Ltd. Financial Advice New Zealand Inc. is the marks licensing authority for the
CFP
Marks in New Zealand, through agreement with
FPSB.
Investment Philosophy
We base our investment decisions on solid academic research, not fleeting trends, to build a disciplined and evidence-driven investment approach. What is evidence base investing?
Evidence-based investing relies on decades of independent research to guide investment decisions. Just as a doctor bases treatment on science, investors should use proven strategies.
Key insights from research include:
- Market Efficiency: Markets quickly incorporate all available information, making it hard to "beat the market."
- Risk and Return: Higher risk generally offers the potential for higher returns—though no guarantees.
- Diversification: Generally reduces risk and may improve long-term gains achieved through low-cost index or Smart Beta funds.
- Lower Costs: Minimising fees can boost net returns over time; index and Smart Beta funds generally have lower fees than fees associated with funds that are actively managed.
The core principles: markets are tough to outperform, risk is rewarded, diversify widely, control costs, and invest for the long haul. Emotional discipline and patience are crucial, especially during market volatility.
