Financial Planning
Life is a journey. At every stage, your financial needs, goals, and challenges evolve. Whether you're just starting out in your career, raising a family, planning for retirement, or enjoying your golden years, financial planning is essential to ensure you're well-prepared for the road ahead.
fundamental pillars
Three Areas of Financial Planning
Our financial planning approach revolves around three fundamental pillars:
Cash Management
Investment Management
Risk Management
Together, these elements form the foundation for a holistic and strategic approach to your financial well-being.
Cash Management
Cash is the lifeblood of any financial plan, and effective cash management is crucial for maintaining stability and achieving your short-term goals.
Budgeting and Expense Tracking
We work with you to create a realistic budget that aligns with your financial goals, helping you gain control over your finances and plan for the future.
Emergency Fund Establishment
Building a robust emergency fund ensures you are prepared for unexpected expenses or disruptions, providing a financial safety net during challenging times.
Debt Management
We help you develop strategies to manage and reduce debt responsibly, allowing you to free up resources for savings and investments.
Investment Management
Investing is a powerful tool for building wealth and achieving long-term financial objectives.
Goal-Based Investing
We work with you to define your financial goals and tailor your investment strategy to meet those objectives, whether it's saving for a home, funding education, or securing a comfortable retirement.
Diversification Strategies
Through careful diversification across asset classes, including KiwiSaver, shares, bonds, and other investment vehicles, we aim to minimise risk and enhance the potential for returns.
Regular Portfolio Reviews
We conduct regular reviews of your investment portfolio, ensuring it remains aligned with your risk tolerance, goals, and market conditions.
Risk Management
Life is inherently uncertain, and managing risks is a critical aspect of a comprehensive financial plan.
Insurance Planning
We assess your insurance needs, recommending suitable coverage to protect you and your loved ones in the face of unforeseen circumstances. This includes life and trauma insurance, income protection, and health insurance.
Estate Planning
We guide you through the process of creating a comprehensive estate plan, ensuring your assets are distributed according to your wishes and minimising potential tax implications.
Emergency Preparedness
We assist you in developing contingency plans for unforeseen events, helping you maintain financial stability in times of crisis.
We believe in a holistic approach to financial well-being and create bespoke financial plans that cater to your unique financial journey. Our dedicated team is ready to partner with you on the path to lasting financial prosperity.
how it works
Our Advice Process
We follow these six step financial planning process when we provide you with advice.
1. Initial Consultation
The initial meeting is a chance for us to get to know each other. There is no cost to you or any obligation to proceed; it’s simply a meet & greet and an opportunity for us to find out whether we can help you. It also gives you a chance to evaluate if we are the right fit for you.
2. Discovery
During the second meeting, we will gather information about your financial situation. Together we will define your personal and financial goals, understand the time frame for results, and discuss how you feel about risk.
3. Research & Analysis
We will analyse this information to assess your current position and determine what you must do to meet your goals. Depending on what services you have asked for, this could include analysing assets, liabilities and cash flow, current insurance coverage, retirement planning, investments or tax strategies.
4. Recommendation
We will then offer recommendations that address your goals, based on the information provided. We will discuss the recommendations with you to help you understand so that you can make informed decisions. We will listen to your concerns and revise the recommendations as appropriate.
5. Implementation
We will then agree on how the recommendations will be carried out. We will help you carry out the recommendations and administer any products to be implemented. You will be kept updated as to the progress of the implementation stage.
6. Monitor & Review
On a regular basis we will review your situation including goals, risk profile, lifestyle and other relevant changes. This process forms part of our ongoing planning discussions with you to ensure that we are always working towards the achievement of your financial and lifestyle objectives.
Ready to take action?
Book a Free Consultation
Our Advisers offer a safe space to discuss your future plans before delivering a Financial Roadmap to help you achieve them.