Google Rating
5.0
Based on 24 reviews
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Facebook Rating
5.0
Based on 10 reviews
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Google Rating
5.0
Based on 24 reviews
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Facebook Rating
5.0
Based on 10 reviews
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Financial and
Lifestyle Planning

Helping you understand your current financial situation, and working towards your vision for the future

We help you understand your current financial situation and articulate your vision for the future, considering your wellbeing, ideal lifestyle, home life, family, business, work and long-term financial aspirations.

Using detailed analysis, we build a picture of how your choices and options might play out over your lifetime.

Whatever your circumstances, often the hardest part is taking that first step to seek advice. We’re here to listen; to cut through all the financial jargon, and to learn stuff together along the way. Fundamentally, we’ll empower you to realise your financial goals.

Financial Modelling

We’ll give you the confidence to take control of your financial situation and make the best financial decisions for your future. We have a ‘Clients for Life’ philosophy and love growing together.

Using Financial Cashflow Modelling software we’ll map out where you are now to where you want to be and, crucially, how you are going to get there and by when!

The reason these projections are so valuable is that we don’t just look at your current position, but consider the impact of future choices on your long-term finances. 

Your 'First Home Masterplan'

Buying your first home is very likely to be your biggest purchase so far and can be a daunting process. By getting smart about your financial situation including asking some tough questions we’ll help you turn your dream into reality sooner than you think. We call this your ‘First Home Masterplan’.

Talk to us about what Government help may be available to tilt the balance in your favour, particularly if you are a KiwiSaver member. We have also developed a simple tool to help us create an investment timeline so that getting the keys and opening the door is one step closer.

Wealth Planning

We can work alongside you to plan the future you want – whatever that might look like. Whether you want the freedom to enjoy life and spend more time with family, or have a solid investment portfolio, we will assist you to get there sooner.

Our experienced advisers map out a plan to help you achieve your goals and articulate your vision for the future. This might involve investment planning, KiwiSaver adjustments, smarter mortgage structure, insurance assessment and more. We personalise our advice to you and provide wrap-around supports to help you reach financial freedom.

Debt Consolidation

Multiple sources of debt at different interest rates can seem overwhelming. We can help you roll all your payments into one easier to manage loan, with a single-minded objective – getting you into a home or purchasing your next investment, sooner!

The key to debt consolidation is to focus on getting rid of existing debt rather than adding to it! For existing home-owners or property investors, debt consolidation will lower your monthly expenditure to focus on repaying your current mortgage or purchase your next investment. Sooner. Check out our latest blog here to know more:

‘Debt Consolidation: Exploring the Path to Financial Freedom’.

Wealth FAQs

Financial Planning and modelling aims to predict your future by working with you to project future cashflow needs. Then, it aims to make sure it happens as you want. Good investments matter, but, they are less effective if not seen in the context of your life and goals. We’re here to help you maximise your wealth potential at every stage of life. We aim to simplify financial planning and make it accessible to more Kiwis.

We aim to provide more value in all of the services we deliver. If we receive a commission from a bank for your home loan, we back this up with an ‘Accelerated Repayment Plan’ for free. If you come to us and are happy with your current home loan, insurance, and KiwiSaver we will quote you for additional advice we agree to provide for you.

You may be living paycheck to paycheck, or you may be looking to invest your extra money. Either way, having a financial plan for your future is a good idea. The most common statement we hear from our clients is “we should have come to see you sooner”. This is often followed by a statement around the lack of financial education in New Zealand. We all start our financial journey at different stages. We have different tendencies, wealth levels, timeframes, and ambitions. No matter where you are now and where you want to end up, we can help.

The short answer is its never too soon. Often a common time is when clients reach one of these milestones:

a. First home purchase: We can work with you to determine what you can afford so you don’t over commit yourself. We’ll discuss the exact timeframe to be mortgage free and how different home loans will allow you to save on loan interest and grow your wealth sooner.

b. Marriage or separation: There are financial benefits when two people work together to build wealth. There are expensive downsides when a couple separate and haven’t sort advice in the first instance. We can help you understand how your choices might unfold.

c. Starting a family: Now’s the time to model the change in your cashflow. We will also offer you advice around protecting your family, as well as providing advice on long-term investments for your children.

d. Retirement: We will help build your retirement assets and assess your current investments. By modelling the future beyond your working years we can create a picture of how things might look for you.

6 things you need to know about your mortgage pre-approval Letter of Offer.

A will is one of life’s essential legal documents people need to consider. To protect your hard-earned assets and provide for loved ones, having a will gives you peace of mind. The law is inflexible about what happens to your possessions if you die without one.

The Reserve Bank (RBNZ) is overhauling the criteria for mortgage lending in New Zealand. It plans to put in place debt-to-income ratios (DTI) by the middle of 2024. The goal is to cut risks to financial stability, and support sustainable house price growth. Most banks have already rolled out the changes to Mortgage Brokers.

Associate Finance Minister David Seymour has announced the Coalition Government’s final plans they have been working since the election. He said in a statement this week (March 10th 2024). Landlords can claim 80% of their interest expenses from April 1, 2024. They can claim 100 percent from April 1, 2025, onwards.

KiwiSaver is a voluntary savings scheme in New Zealand. Individuals can use it to save for their retirement. If you have been contributing to KiwiSaver for at least three years, you may be eligible to withdraw your savings in certain circumstances. In this article, we will study the different ways you can withdraw your KiwiSaver.

Traditionally, in January, we look at our current position. We make big decisions about what to change in the upcoming year. Whether our goal was to lose weight, pay off the mortgage or increase our retirement savings unfortunately, we sometimes falter by February. There are strategies that actually work to enhance our chances of success.

Set yourself up for success, before you start shortlisting properties and planning what you’ll do with your quarter acre. Seek out experts and accept help. In fact, we're here to guide and plan your homeownership journey right from the moment you start your career! “When you align all actions to a single outcome, and you keep working at it, your success will look effortless and obvious to the outside.”

Whether you’ve just bought a new home or you’ve received a letter from your bank to fix or refix your mortgage, the question of whether to fix or float will inevitably arise. Making the right choice for your financial future is worth getting advice on.

Have you ever wondered about the role of non-bank lenders in the New Zealand lending market? Often overlooked in favour of traditional banks, non-bank lenders are an excellent alternative worth exploring. In this article, we'll delve into the intricacies of non-bank lending institutions, dispelling common misconceptions and shedding light on their vital role in New Zealand's home loan market.

Financial Planning combines a personalised financial plan, carefully engineered by a Financial Advisor, to illustrate the path towards earlier financial freedom. Our Financial Cashflow Modelling software maps your journey, spanning your life decisions all the way to age 100. Our plan will consider your wellbeing, ideal lifestyle, home life, family, business, work and long-term aspirations. This will give you the confidence needed to understand your financial situation and make the best decisions for tomorrow. Read on to see how we'll help you obtain financial freedom and peace of mind earlier.

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Google Rating
5.0
Based on 24 reviews
×
Facebook Rating
5.0
Based on 10 reviews
×
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Disclaimer

This calculator is intended as a guide only and is based on the Residential Owner Occupied rate. It is not intended to provide advice, and is not a quote or an offer of finance by any lender.