Martin Hawes, of Summer KiwiSaver, said frittering away $142m might sound preposterous, but plenty of sports stars and Lotto winners had lost their fortunes in a few short years.
His main advice to Adams was to pretend his contract was only worth $10m a year, rather than $35m. That way, after tax, he could probably invest about $15m a year.
Good financial advice would help him make the most of his fortune, and setting aside a certain amount for investment each year would set him up for life.
"He's only as good as his next hamstring tear or Achilles rupture, or loss of form.
"Pretending his contract is for $10m, it's a mind trick. You don't miss what you don't see." Other priorities were to keep the vultures - lured by his fortune - at bay.
That meant sticking close to those he had known the longest.
"Keep your feet on the ground. Come back to New Zealand often, see your old and real friends, and family. Keep in touch."
New Zealand Rugby Players' Association chief executive Rob Nichol said he expected Adams had plenty of people helping him manage his finances.
His main advice was for Adams to stick with his principles, and stick with what was working.
"Don't make any major changes or decisions, because what you're doing now is obviously working for you."
Image 1 of 8: Rotorua's Sid Adams with his 12-year-old son Steven Adams. Photo / Stephen Parker