Your goals
You set your goals and objectives for the next 12 months, 2-5 years or longer.
Your financial resources
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.
Insurance
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.
Estate
I discuss wills, enduring power of attorney, and family trusts with you and then refer you to lawyers.
Retirement
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.
Investment
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.
Ongoing monitoring
Reviews are important to ensure your plan is consistent with your personal and financial situations. It is usually annually or at your request.
