Look Forward to Your Retirement.
Retirement Planning Specialist in Wellington
OUR SERVICES
We’ll help you plan a comfortable retirement.
Retirement is one of the most important financial transitions you'll ever make. A clear plan helps answer questions like:
When can I afford to retire?
How much will I need to live comfortably?
Will my savings and investments last?
At Helium, we help clients navigate those questions with practical, personalised advice.
The time is now.
The ideal time to start planning for retirement is now, regardless of your age or life stage.
Starting early allows your investments to benefit from compounding returns, gives you more flexibility with your savings strategy, and reduces pressure as you approach retirement age.
It's not too late, even if you're in your 40s or 50s. A professional plan can help you make smart, catch-up contributions and prioritise your situation's most effective financial moves.
We work with clients from their early career years through to post-retirement, ensuring their plan evolves with them over time.
How we work
A collaborative process.
We begin every client relationship with a conversation. We listen to your goals, priorities, and concerns and tailor a plan that fits your life.
Our process is collaborative, transparent, and focuses on what matters most to you. You are always in control, with professional support by your side.
1. Initial Consultation
We will book you in for a free chat to understand your current financial picture and what you want retirement to look like.
2. Strategy Development
We create a clear retirement plan with specific actions around savings, investments, KiwiSaver, and cash flow.
3. Implementation
We help you put the plan into action, coordinating with any other advisers or professionals if necessary.
4. Ongoing Guidance
As life changes, so should your plan. We schedule regular reviews and offer ongoing support to keep everything on track.
WHAT WE OFFER
The pillars of a secure retirement.
Retirement Readiness Assessment
How much will you need to retire in New Zealand?
When can you afford to retire?
What income sources will support you?
We analyse your financial position and goals to create a realistic, sustainable retirement plan.
Income and Spending Strategies
Design smart withdrawal plans for retirement income
Structure spending to support both enjoyment and longevity
Plan for different retirement phases: early active years, transitional years, and late-care needs
Estate Planning and Legal Considerations
Establish or update wills, powers of attorney, and advance directives
Ensure your retirement plan aligns with your broader estate and legacy goals
Investment Strategy and KiwiSaver Advice
Maximise KiwiSaver contributions (including government and employer matches)
Tailor investment portfolios to match your retirement timeline and risk tolerance.
Adjust your plan to suit market shifts and personal life changes
Tax Planning
Minimise tax on retirement income and investments
Optimise withdrawal strategies to reduce liabilities
Stay up-to-date with tax legislation impacting retirees in NZ
Health and Insurance Planning
Budget for healthcare and potential long-term care
Review insurance policies to protect your retirement lifestyle
We can also help you explore less traditional retirement lifestyles such as downsizing, co-housing, and travel-based retirement. For some clients, unlocking home equity or exploring phased retirement options can be the key to creating a more flexible financial path.
OUR CLIENTS
We’ll meet you where you are.
Helium supports a wide range of clients who are planning for retirement — each with their own set of priorities and challenges.
Let’s prepare a plan that works in the real world, not just on paper.
Professionals in their 30s–50s who want to build a strategy early and maximise KiwiSaver and investment growth
Busy families juggling mortgages, kids, and saving for the future, looking for clarity and structure
Pre-retirees (50+) considering whether they can retire early, downsize, or change how they work
Current retirees who need help managing withdrawals, reducing tax, and adjusting to changing life stages
Small business owners and self-employed individuals who need to structure business exits and investments into viable retirement income
why choose helium
We lead with empathy and a strong commitment to your goals.
We take time to understand what matters most to you and crafts a plan that supports the life you want to live.
With Chartered Accountant and Certified Financial Planner® credentials, we blend technical skill with a grounded understanding of retirement complexity.
We don’t use jargon, we try to keep things clear and straightforward. You'll always know what we're doing and why.
Your personalised plan will reflect your specific goals, family situation, and lifestyle preferences — we will never use a pre-built template.
We’re committed to covering all bases. From KiwiSaver to estate planning, we help you prepare for all aspects of retirement.
Our clients stay with us because we are present at every life stage – through changes in health, career, family, or housing. Jeshal's clients often highlight his ability to bring calm and structure to complex, emotional decisions.
fAQ
Frequently asked questions about retirement.
-
It depends on your lifestyle, location, and expected spending. We help you calculate your retirement target based on personal goals, current assets, and income sources like NZ Super and KiwiSaver.
-
Start by identifying your desired retirement lifestyle, then assess current savings, income, and expenses. We will walk you through each step, from goal-setting to implementation and review.
-
The 4% rule is a guideline for how much you can withdraw from your retirement savings each year without running out of money. It suggests withdrawing 4% of your portfolio in the first year of retirement and adjusting for inflation in the following years. While not perfect, it's a helpful starting point for estimating safe withdrawal rates.
-
KiwiSaver is a great foundation, but it is rarely enough. We help you build a diversified plan that includes KiwiSaver, Investments, and other assets.
-
Yes. Retirement planning is not a one-time event. We offer regular reviews and updates to keep you on track through every life stage.
