Growing. Preserving. Protecting.

Is your financial life shifting gears?

What does your ideal retirement look like, and what level of income would you need? Has your debt and risk reduced, freeing up additional funds for your retirement savings? Just two of the many questions to consider in the lead up to post-work life. Here's how we can help.

Fine-tuning for the future.

What does your planned retirement lifestyle look like?

Whether you have been saving for retirement for as long as you remember, or have left it somewhat late, it’s crucial to have a clear view of the level of income you will need in retirement. A clear view and a sound plan.

There’s no one size-fits-all approach to retirement planning, but in general terms there are some key areas of focus in the lead up to that last work-day, for example: paying off or significantly reducing remaining debt; assessing your investment risk profile; maximising savings (KiwiSaver contributions for example); and adjusting insurances to manage longer-term costs.

If you’d like to take a 360 look at your retirement planning - your KiwiSaver, Superannuation, insurances and more - we welcome you to get in touch.

Mind the gap | Retirement savings on track?

When you plan to retire, the lifestyle you have in mind, whether you’ll be debt-free, where you plan to live - there are many factors that will determine how much you need to save for the ‘holiday of a lifetime’. But there is one thing that everyone planning for their post-work life has in common - you have to know your ‘number’ and how you're tracking against that goal. Watch here for more.

Shifting gears and refocusing priorities?

Still working hard, but paying closer attention to your plans for post-work life? It's important to have a sound plan to support your financial security (and enjoyment) in retirement. Here's how we can help.

Personal Insurance

Has it been some time since you last reviewed your insurances? If you are carrying less debt (said farewell to the mortgage?) and less risk, or have stepped policy premiums that increase each year, it could be time to adjust your insurances.

If you'd like to check in on the cover you have in place, we welcome you to book a complimentary review.

KiwiSaver & Superannuation

Maximise savings and minimise risk. Typically (but not always), as people approach retirement, they have less capacity for risk and loss. 

At this stage of your financial life, it is incredibly important that your KiwiSaver and/or Superannuation is aligned to your risk profile and investment horizon. Time for a review?

Retirement Planning

How will you pay yourself in retirement? 

Preparing a retirement income plan in advance provides a useful guide on what you can expect in terms of your living costs (regular expenses) and extra spending (lifestyle expenses), and how you might structure income payments from, for example, KiwiSaver, Superannuation, assets, or other investments. Contact us for more information.

Time to review your needs and plans? We welcome you to get in touch. And meanwhile, take a moment with these key questions...

Time to review your needs and plans? We welcome you to get in touch. And meanwhile, take a moment with these key questions...

In the years leading up to retirement, it becomes increasingly important to keep a close eye on your future, and what you're doing today to secure the lifestyle and financial security you aspire to in your post-work life. Here are just a few of the many things to keep on your radar: 

How are you tracking?

A few questions to keep top of mind:
(1) Have you given some thought to what's important to you - what would you like your retirement to look like?
(2) Do you know how much you need to save for retirement?
(3) Are your investments aligned with your risk profile and horizon? 
Will you be carrying significant debt into retirement? Could you reduce that debt?
(5) Could you afford to increase your KiwiSaver contributions?

Are you on the same page?

For couples, the lead up to retirement prompts a range of new questions and conversations that are important to have. When you'd both like to retire; where you'd like to retire; the lifestyle you each have in mind -  these are just some of the important things to openly discuss, so that both your shared and individual goals for retirement are clear and can be planned for.

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