Financial Planning

You set your goals and objectives for the next 12 months, 2-5 years or longer.

I assess your assets and liabilities, income and expenses, and then advise you on what you can achieve within your means and what you can’t do.

I identify the potential risks you may face, carefully analyse your needs and recommend appropriate products. I aim to cover your needs within your affordability.

I discuss wills, enduring power of attorney, and family trusts with you and then refer you to lawyers.

I calculate the future values of your KiwiSaver and other assets. Then, I run a retirement projection to let you know how long your assets will last.

I assess your risk tolerance and recommend the appropriate asset allocation (the percentage of your money in high-risk assets like shares and low-risk assets like bonds). Based on Morningstar’s research, I recommend high-quality investment funds.

Reviews are important to ensure your plan is consistent with your personal and financial situations. It is usually annually or at your request.