Financial Planning
Your financial future, in actual numbers.
We use cashflow-based financial modelling software to build a picture of your financial future — income, debt, assets, KiwiSaver, insurance, and investment — all mapped out over time. What it tells you:
- Exactly when you can afford to retire — and at what income level
- How much your mortgage should cost relative to your wealth-building goals
- Where the gaps are — and what it takes to close them
- How different decisions today ripple forward into your 60s and 70s
This is what banks don't do. Your bank sells products. We model outcomes.
Investment Advice
Investing shouldn't feel like a gamble. It should feel like a plan.
For most New Zealanders, the path to building wealth beyond property runs through investment — but without the right structure, it's easy to end up in the wrong vehicle, at the wrong risk level, for the wrong reasons. We provide independent investment advice that fits your wider financial picture — not just what's easiest to sell.
- Investment portfolio construction aligned with your goals and risk profile
- Review of existing investments — KiwiSaver, shares, managed funds, term deposits
- Tax-efficient structuring for your investment holdings
- Integration with your mortgage, insurance, and retirement strategy
Managed Funds
A simple, structured way to invest — without the complexity of doing it yourself.
Managed funds give you access to diversified, professionally managed portfolios — across New Zealand and global markets — with lower minimums and better diversification than most people can achieve investing directly.
- Compare funds by asset class, geography, risk profile, and fee structure
- Understand the difference between passive and active management — and when each makes sense
- Assess suitability against your timeline, tax position, and overall strategy
- Review and rebalance as your situation changes
Retirement Planning
Retirement planning starts the day you stop making assumptions.
Retirement isn't a destination — it's a financial structure you build toward. The earlier you model it, the more options you have. The later you start, the more you rely on luck.
- What income do you need? We help you quantify it — not guess
- KiwiSaver, investment portfolio, property equity: how do they work together?
- Drawdown sequencing — which assets do you spend first, and why
- Estate planning considerations — working alongside your solicitor
Most people know they could do better. Few know by how much.
We'll model it. Then we'll tell you exactly what it would take.