Financial planning that is unique to you

Tailored plans, unique as you.

Your NZFP financial plan is a comprehensive life plan that will be there to help you make the best decisions to achieve the goals that are important to you and those you love.

Your financial plan is a document that incorporates your lifestyle requirements - both current and future - and your financial requirements. Once your plan is complete, you’ll get a very clear picture about the state of your finances and what, if any changes you could make to ensure your money is working at an optimal level for you.

Your NZFP adviser will be your partner throughout your journey, providing clarity and peace of mind, making sure you understand what’s happening with your money so that you can relax and enjoy your life.

"He helped us with understanding what we needed to save to maintain our lifestyle.

What we had to focus on for living a comfortable life. Could I have a slightly earlier retirement, and what that’d look like. None of us exactly want to curtail our lifestyle. We needed to know what was realistic"

- Rob and Georgina Hallinan

The building blocks of your plan

At NZFP, our financial advisers start with getting to know you and what’s important to you. We utilise information from the following eight key areas when building your plan:

Lifestyle and Retirement Planning

At NZFP, we get to know what your current lifestyle requirements are and what you need them to be in the future. This allows us to design a personalised plan that leads you to your desired outcomes. — Download Guide
Cash Flow Management

Understanding the relationship between your income and expenditure is key to developing a plan that is viable in the here and now but reflects where you want to be in the future.
Savings

Saving money can be very challenging. As we gather information about your current situation, we will be able to assist you in the development of a strategy around this key financial wellbeing indicator.
Estate Planning

None of us will be around forever. Deciding now how you want your affairs handled is empowering and can remove the stress from those you care about most at what will likely be a very difficult time for them.

Debt Management

Debt can be an obstacle to achieving your lifestyle goals and objectives. Understanding what kind of debt you may have allows us to develop a strategy for utilising it more effectively or to minimise it.
Kiwisaver

KiwiSaver can be a fantastic way for you to save money for your retirement. We look at ways to maximise your participation as well as deciding the best ways and times to draw on these funds.
Insurance

Life doesn't always go according to plan. Taking the time to protect yourself, your family and your assets from the unexpected is essential for your peace of mind.
Investment Planning

We go above and beyond merely looking at returns. We take your needs, capacity, and tolerance towards risk into account as well as your desired outcomes to make sure your portfolio is reflective of your unique, personalised objectives.

This sounds like me

Getting Started.

I want someone I can trust to help me make important financial decisions early on so that I’m starting my journey with a planned approach.

This sounds like me

If you’re just getting started on the path to financial wellbeing, you may be in the early stages of building your career and want to set yourself up solidly for the future. Traveling, buying a house, and starting a family are just some examples of the goals that you may be interested in working towards. Wherever your interests lie, your NZFP adviser will tailor your plan to suit the outcomes that are meaningful to you and those you care about.

Building Up My Wealth.

I want to focus on building up my assets and accumulating wealth so that I can achieve financial independence.

Protecting My Wealth.

I now have a limited amount of time before I retire and I want to step up the savings process and protect my lifestyle in retirement.

Retirement Planning.

I want to achieve self-sufficiency in retirement.

Business Planning.

I need to fund my retirement from my business and want to know what options are available to me.

Investment Planning for Trusts.

I want to demonstrate good due process on the management and monitoring of trust investments, assets, and income.

This sounds like me

NZFP acknowledges that most professional trustees understand their obligations and the prudent conduct they must demonstrate to the trust and its beneficiaries. Our experience has also shown that some are looking for an effective and efficient way to demonstrate a robust, prudent and defensible policy, as well as a transparent process when dealing with the investment decisions of the trust. Your NZFP adviser can support you in your role, giving you peace of mind that you’ve gone that extra mile.