Our Story

We started Kernel because we want to help you achieve your life goals. When you have control of your finances you hold the power to direct your future, pursue your passions and live a rich and meaningful life. It’s about having the freedom and skills to realise your greatest potential.

Meet the team

Our team of globally experienced financial professionals are passionate about helping ambitious individuals achieve financial freedom. Through our combined experience we understand the investor challenge; we are nimble and innovative at heart. The result is a wealth solution that champions digital technology – we put the tools in the hands of investors so they can make the best choice for their goals. 

Our mission is to change the financial future of millions. 

Dean Anderson
Founder & Chief Executive Officer
Stephen Upton
 Chief Operating Officer
Catherine Emerson
Marketing & Customer Strategy
Gavin Weekes
Compliance & Risk Officer

What we stand for

Think Different

Not all investors are alike and we will empower them to express their individuality.

Think Together

We encourage open and free sharing of opinions, so that everyone feels as though they can collaborate and contribute.

Never Stop Innovating

We have an insatiable desire to understand the inner workings of things, fostering an environment of continual thinking and problem solving.

Say It Like It Is

We call a spade a spade, not a gardening tool. We will always engage with our investors in a language they understand – never diluted and never in the small print.

We're running a marathon, not a sprint.

Index investing

We reckon a prosperous future requires clever investment decisions.  That’s why we take a long term, data-driven approach to investing, that’s backed by decades of research.


We tell our investors exactly what they’re paying in fees, where their money’s being invested and when.


Fees reduce investment returns, that’s why we strive to deliver more for less by using technology to lower fees.


Diversifying your investments is important and helps minimize risk while maximizing rewards.

We're always on the look out for talented individuals to join our team.

Ready to start investing?

You may also call us on 0800 537 635 during 9am-5pm weekdays.

Keep up-to-date with Kernel

For market updates and the latest news from Kernel, subscribe to our newsletter. Guaranteed goodness, straight to your inbox.

Copyright 2020 – Kernel Wealth Limited 

Indices provided by: 

After spending a number of years in the financial services industry, Dean realised that investment options needed to improve and investors deserve better. Taking a fresh approach to the investment sector, he created Kernel – a digital wealth solution where innovation meets investment.

On the back of five years as Head of Product at a large ETF provider; he is an expert at creating, launching and developing index funds. Prior to that, Dean worked at the NZX specialising in data products, licensing and contracts.

Dean is committed to helping ambitious individuals achieve financial freedom through the creation of innovative financial products. He understands the investor challenge and is on a mission to change the financial future of millions.

A self-described “mainlander”, Dean and his partner enjoy regularly exploring NZ, visiting friends and family, and sampling Auckland’s great eateries.

Connect with Dean here.

Stephen is Kernel’s Chief Operating Officer. He leads our investment operations and management of Kernel’s technology, communication and information requirements.

As the former Chief Operating Officer for a large NZ fund manager, he oversaw six managed investment schemes. Prior to that, Stephen lived overseas for 10 years, mainly residing in Switzerland, and working for multi-national banks Citi and UBS.

Stephen holds an MBA from the University of Cambridge in England, as well as a Bachelor of Commerce and Administration, a Bachelor of Arts in Psychology and the CIMA Professional qualification in Management Accounting.

Stephen, his wife and two kids live on Waiheke Island and as a major sports fan, he is the Chairperson of Touch NZ.

Connect with Stephen here.

As Head of Marketing and Customer Strategy, Cat manages Kernel’s marketing and customer success teams. Cat is most passionate about ensuring her generation understand how to design their finances to achieve their life goals.

Originally from Melbourne, Cat moved to Auckland in 2017, previously working at financial advice firms in the high net worth space. She understands first hand goals based advice and the challenges new investors face.

Since moving, Cat embraced a digital nomad life, working as a Strategic Adviser for a Melbourne millennial-focused advice firm. Cat holds a B.Com, a Diploma of Financial Services and has completed the Certified Financial Planner course.

Cat and her husband enjoy travelling the world, hosting dinner parties and hanging out with their family and fur-baby.

Connect with Cat here.

As our Compliance and Risk Officer, Gavin brings to the team 30+ years experience in risk management, assurance and compliance. Beginning his career in major audit firms based in NZ and US, Gavin then transitioned to risk and assurance functions in the banking industry.

Gavin has executive-level experience with major NZ banks, having worked in the industry for 20 years. Most recently, Gavin has been consulting to public and private sector businesses, providing specialist knowledge in risk management, process design, protective security and fraud.

He holds a BA in Economics, a B.Com in Accounting, is an Associate Chartered Accountant and a Certified Information Systems Auditor.

Gavin lives just out of our nation’s capital, in Paremata, with his wife, one of his three sons and their family dog. On the weekend he can be found enjoying the Pauatahanui inlet, working on his boat shed and house.

Hi Happy Saver fan!

Thanks for checking us out. Sign up now and get a $10 NZD top-up when you make your first deposit.  Happy investing!