Financial Planning

Why planning matters

Everyone understands that if you plan for an event, a world trip, a wedding, a house, children(!) etc, the outcome is almost always better.

Retirement funding and financial planning is no different. Do not leave it to chance. Be proactive and start now.

Our approach to planning

Lets start by talking about what we don’t do. We do not provide a typical door-stop financial plan full of standard templated text, risk profile commentary and investment jargon.

What we do is convert your needs and options to numbers and illustrate the outcomes and options with graphs. So you can see the trade-offs between your different choices.

Choices like:

How much do I need to save now?
Is what I have got now adequate for what I want to do?
Is KiwiSaver enough?
What are my retirement options?
How much can I really afford to spend in retirement?
When to sell the business?
How often can we afford to upgrade the cars, travel or renovate our home?
Can we afford private education or assist with tertiary study for the children?
What is the impact of selling the bach, downsizing the home or moving to a different town?
Is moving into a retirement village a good solution?
How much to give away to the children and when? Grandchildren?
How much risk should I take with my investments?
What happens if one of us gets seriously ill or dies?
Now I’m suddenly on my own, what are my choices?

… and many more

It’s not all about money, it’s about what really matters to you.