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How to Travel Smart and Save Money: 5 Tips from a Financial Adviser

a piggy bank and various items

Introduction Traveling is one of the most rewarding and enjoyable ways to spend your retirement. You can explore new places, cultures, and experiences, and create lasting memories. But traveling can also be expensive and stressful, especially if you don’t plan ahead and use the right tools. As a financial adviser who loves to travel, I […]

Minimising Regret in Retirement

Minimise regret in retirement

Minimising Regret in Retirement They say that your bank account and a calendar never lie. If that’s true (and I think it is), then we should occasionally ask ourselves an important question: “If an impartial observer tallied how you spend your time and money, what would they say is important to you?” While I’m certainly […]

3 Common Investing Mistakes

3 Common Investing Mistakes Many people start out managing their own investments. But as their earnings and assets grow, their financial needs and challenges become more complex—and continuing to go it alone could prove costly in terms of investing miscues. Consider three common mistakes that can reduce returns and increase anxiety: 1. Trying to Time […]

Is cash better than a portfolio at the moment?

I have had a few people starting to ask me this question recently, so I thought I’d put something together that will help answer this for everyone. It’s a totally fair question and I understand why people are asking! We are currently in a high interest rate, and highly inflationary environment, with interest rates on […]

Supporting Your Children Financially: Ways Parents Can Help Safeguard Their Support

As parents, we want the best for our children, and sometimes that means providing financial assistance when they need it most. However, concerns about protecting this money, especially from relationship property disputes, is something I often come across. There are a number of different ways parents can lend or gift money to their children during […]

8 Steps to Getting Ahead Financially

  1. Set some goals Where do you see yourself in the future? What are you trying to achieve? The most important start to getting on track financially is to know where you want to get to. You may want to: Retire early Travel lots Be able to help your children more Buy a business […]

You can’t put a number on happiness

“What is your number?” That is the catch phrase of a popular advertisement that runs and re-runs amongst financial advising companies. The premise is a good one, namely that they are going to determine how much you need for retirement and then aim to help you hit that goal. These types of campaigns are popular […]

A frills or no frills retirement? The latest Retirement Expenditure Guidelines released.

Achieving expectations and aspirations for retirement will be very challenging for the majority of New Zealanders unless they prepare and plan. That’s one of the main conclusions of the latest Retirement Expenditure Guidelines. The guidelines have been produced by Massey’s NZ Fin-Ed Centre and are sponsored by Consilium and Financial Advice New Zealand. They say […]

Why Having a Financial Plan is Important

Have you ever gone to the airport with your bags packed and boarded a plane without having any idea where it is going? As much as we might miss air travel now, it is unlikely we would board without knowing the destination. It is hard even to pack properly without knowing where we are headed, or for how long. The same applies to our finances. We need to know where we are going before making decisions about how we are going to get there.