Financial planning that is unique to you

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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.

  • This sounds like me

    Financial independence is a really important aspect of financial wellbeing. At this stage, you may want to find ways to maximise your earning potential or get started with investments. Your NZFP financial adviser will be with you, helping you to find the solutions that are right for you and that support you in achieving the goals that matter to you.  

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.

  • This sounds like me

    You may want to ramp up your efforts to put money aside for retirement. 

    Your NZFP adviser will guide you in creating a pathway to achieving your goals while making sure your plan leaves room for you to enjoy your lifestyle today. 

Retirement Planning.

I want to achieve self-sufficiency in retirement.

  • This sounds like me

    As Kiwis, we are developing new attitudes towards retirement. While some are choosing to retire early, many are choosing to continue working in roles or on projects they are passionate about. Whatever you choose to do,  your NZFP adviser will work with you to develop a clear plan that sees you through to a retirement lifestyle that you want, not one that you’re stuck with. 

Business Planning.

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

  • This sounds like me

    For many Kiwis, business ownership is a lifestyle choice as much as a financial one. Owning a business can mean you’re able to have the freedom and flexibility you require or the open ended earning potential to reach your personal financial goals. Your NZFP adviser will assist you in creating a financial plan for your business that will give you a clear path forward, allowing you to focus on what’s important. 

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.

Budgeting Advice for Paying Off Debt.

I am struggling with debt and I want someone to help me with budgeting advice.

  • This sounds like me

    At NZFP, we specialise in creating unique financial plans that include investment advice and retirement planning. If you’re looking to get budgeting advice or to get help getting out of debt, we recommend the following excellent resources:


    www.sorted.org.nz

    www.moneytalks.co.nz

Let's chat

Contact us today if you have any questions or to find out how we can help you achieve financial wellbeing.