Modelling your financial world

The best way to show you your world is to draw a picture. The primary difference that sets us apart from our peers is that we have developed a ‘clever’ calculator. More specifically, the information we gather about your income, expenditure and debt levels builds an illustration in graph form which looks beyond your mortgage to see how your life might eventuate. We talk about any future plans, such as a how a different job, growing family, or lifestyle changes might alter your financial outcome. We also consider factors such as inheritances, business sales, property portfolios and any anticipated KiwiSaver.

The software doesn’t just show your current position, many clients come to us wondering what action they should take on a certain issue. The great thing about carefully constructed projections is that we can give you the foresight you need to avoid costly mistakes and make better choices. Importantly, this modelling is not a one-time only service, it is something we can provide on an ongoing basis. Once we have your information in our system, we simply update the data as your plans change and evolve. It really is all about you.
 

When thinking about retirement it is normal for people to focus on investment returns as this has a direct impact on what income is generated. Initially, we like to take a step back and before developing an ideal portfolio we start with planning and analysis. Well constructed investments are an important part of the mix but if this has not been considered within the wider context of your life and what you are trying to achieve then the overall affect is often less.

Financial Planning aims to determine how your future might look based on your aspirations, and then develops strategies to ensure they eventuate in the way that you want.

Throughout this process we seek to manage any inherent risks, protect assets and provide the navigation you need to ensure you remain on course.

With investments we prefer open and active mandates using a blend of local and international active managers who have the abilty to come back to cash if they have concerns about their market sector. Every client is different and regardless of the situation our singular objective is to deliver an outcome that makes you comfortable and works for you.

At the core of our philosophy is the belief that tailored advice should be available to everyone. As the public’s knowledge of financial matters increases there is a growing expectation that people should have a base level of understanding. In truth, the subject matter is so large that knowing ‘what you should’ is often unrealistic in the face of other modern pressures. A single piece of financial advice can significantly improve your outlook. The advice we provide is customised to you, practical and backed by decades of industry experience.

Whether we are a sounding board for existing plans, or you are looking for additional ideas and strategies, our ‘client first’ approach means you will always have guidance with no agenda to direct you into a certain result.

We believe in being the honest voice in your corner helping you to do what you do best. Our aim is to be there for the long-term, adjusting and developing your plans as your world changes.