This paper is the third in a series of three white papers, commissioned by the Financial Services Council on what retirement means to, and will look like, for New Zealanders. The focus of this paper is 18-34 year olds, and looks at how younger New Zealanders are increasingly reliant on KiwiSaver as their main source of income when planning for retirement. The research suggests that this cohort also wants more support with their financial planning. This presents both opportunities and challenges for advisers, given that this age group has a high expectation of the income they will need to retire on. The research has a clear message about the need for continued strengthening of KiwiSaver and improvement in the accessibility of financial advice. An overwhelming number of under 35s want the law changed so that minimum contributions to KiwiSaver are lifted gradually. There is also a strong desire for greater visibility of how KiwiSaver funds are performing.