Proudly New Zealand Owned
Smarter Money Decisions Start Here.
Understand where you are. Build a plan. Create more options.
EMPIXO is a financial education, coaching and mentoring business helping people make clearer money decisions, create more choices and live their outcome. Founded in New Zealand. Working online with people wherever life takes them.
Whether you’re trying to get ahead, prepare for your next financial move, build assets or simply feel more in control, EMPIXO helps turn financial uncertainty into a clearer way forward.
Not sure where to start? A free 10-minute chat is the easiest way to find out. No pressure, no obligation.
EMPIXO isn’t just what you see today.
Project Outcome · In development
Something bigger is being built.
Built from frontline experience in New Zealand. Shaped by a different perspective from Dubai.
Our goal
Kiwis empowered
to understand their money, make smarter decisions, take action, and live the outcome.
The EMPIXO Journey
Start where you are. Build from there.
Start wherever you are today and move through the stages you need — nothing more, nothing sooner.
Start
Begin where you are.
Learn
Understand where you are now.
Plan
Create a path forward.
Act
Take the next useful step.
Choice
Create more options.
Live
Live your outcome.
Start Again
Life changes. Start again from where you are.
Available today
Practical help, available now.
Education, coaching and tools you can use today — no products to buy, no jargon.
Financial education
Free articles, guides and tools that make money easier to understand.
Coaching & mentoring
One-to-one sessions to understand your position and plan your next step.
Who we help
Wherever you’re starting from.
There’s no single right way to be good with money. Most people see themselves in one of these — pick the closest and we’ll take it from there.
Not sure which fits? Start Here →
Live the outcome
Money is the tool. Choice is what it can help create.
Understanding your money, making a plan and taking action can create more options: more say over how you work, where you live and what you do next.
But having choices isn’t the outcome. What you choose to do with them is.
That might mean travelling with your family. Helping your kids when the right opportunity comes along. Working less later in life. Spending more time fishing, reading, playing sport or simply slowing down. It might mean a better home, a weekend away, a great car for the day, or taking the family somewhere you’ve always wanted to go.
You don’t have to own everything to enjoy what money can make possible.
For some people, the outcome is greater security. For others, it’s freedom to move, change careers, build a business, retire differently or create income that isn’t completely dependent on the hours they work.
More options. More freedom to choose. More life.
START where you are.
LEARN what matters.
PLAN for where you want to go.
ACT on the next useful step.
Create more CHOICE.
Then LIVE THE OUTCOME.
And when life changes, START AGAIN.
Where to start
Start with a conversation, or a session.
Three simple ways to begin with EMPIXO.
10 minutes · Online
Free Discovery Chat
No obligation. Tell us what’s going on and see if mentoring is right for you.
60 minutes · One-to-one
Financial Clarity Session
One focused conversation to untangle a problem and build a next step.
3 × 60-min sessions
EMPIXO Financial Reset
Our flagship programme. Untangle, learn and plan, then move.
Not sure what you need yet? Start Here →
No pressure, no jargon — just practical help to move forward.
EMPIXO currently provides financial education, coaching and mentoring, not regulated financial advice.
Brett Cole · Founder, EMPIXO
Meet the founder
Meet Brett Cole
Brett Cole brings around 20 years of banking, lending and financial mentoring experience. Along the way, he has built his own businesses and invested in property. He’s not a distant expert: he’s someone who’s made the real decisions himself, and learned first-hand what actually works.
Brett founded EMPIXO — but Brett isn’t EMPIXO.
It took shape while he was living in Dubai, but it was always built with New Zealand in mind — and it’s made to be bigger than any one person. As EMPIXO grows, so will the people, expertise and services behind it.
Away from the numbers, Brett’s a husband and dad of two, a financial mentor in his own community, and a familiar face at his local cricket club — grounded, and genuinely in your corner.
Workplace EAP
Many New Zealand employers include financial guidance and coaching in their Employee Assistance Programme (EAP) — a free, confidential support benefit for staff. Brett also works as an EAP financial coach, supporting people through these workplace programmes. If your workplace offers an EAP, it’s worth asking whether financial coaching is included.
Ready when you are
You don’t need to have it all figured out.
Understand where you are. Take the next useful step.
Free · 10 minutes · No pressure, no obligation.
