STRAIGHTFORWARD
FINANCIAL PLANNING ADVICE
TO ACHIEVE YOUR GOALS
OUR SERVICES
Every client is different. And therefore, so is their retirement plan. But the fundamental questions are the same:
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How much do I need to save for the retirement I want?
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How do I get there?
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Now I am in retirement, how do I spend my funds without the risk that I outlive what I’ve saved?
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Our job is to give you greater certainty on your retirement outcomes and to provide ongoing knowledge and support on your journey.
Do you have a Superannuation scheme that you’ve owned forever? Maybe it was originally offered as part of a workplace savings programme 10 or 20 years ago. It might have a name like Norwich Union, Prudential, Colonial, Sovereign, AXA, Guardian, Royal & Sun, or Tower. There’s a good chance the investment manager who originally offered it has long since been swallowed up and disappeared, or that the investment itself no longer meets your goals and objectives.
A review is always a good idea. We can help you understand what your investment is, whether you can access it, what alternative investment options you may have and how to get the most from what you do have.
If you have worked in Australia since 1992 it’s likely you will have money sitting in an Australian Superannuation account. The ability to move your funds from an Australian Superannuation account to your KiwiSaver (Trans-Tasman Superannuation portability) took effect on 1 July 2013. Why transfer your Australian Super to KiwiSaver?
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Consolidate your retirement savings management to your home country, New Zealand.
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Easier access to information on your total retirement savings if these are in all the one place and therefore your retirement planning is more focused.
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Transfers from Australia to New Zealand are exempt from any entry or exit taxes.
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The New Zealand tax regime is generally more advantageous to New Zealand residents than the Australian regime.
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Your overall fee cost may decrease.
Transferring is easy and free. We can guide you through the process.
Do you have a pension in the UK you would like to bring to New Zealand? Or perhaps you’ve already transferred your pension and now you’re wondering if the NZ QROPs Scheme you arrived in is right for you? Transferring UK pensions isn’t straight forward for the uninitiated. We have partners in place to provide friendly, objective and understandable pension advice to assist. We can help you:
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Navigate the complexities of UK pension rules and determine if a transfer to New Zealand is right for you.
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Determine if you should convert your Pension to NZ $ or leave it in UK £.
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Understand and prepare for any tax liabilities in New Zealand or the UK.
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Keep up to date with your pension once its transferred, with online reporting and regular reviews.
We’ll liaise with your UK Pension provider to get your transfer completed with a minimum of fuss.
KiwiSaver is just one step towards our financial goals. For employers who want to support the financial health and understanding of their employees, our Workplace Learning programme educates and supports employees to achieve their financial goals. The programme includes:
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Helping employees better understand what drives their financial outcomes, ensuring they are well informed about their personal retirement objectives.
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Reviewing KiwiSaver to ensure everyone is getting the most out of it.
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Using interactive technology to better understand retirement goals and the simple steps every one of us can take.
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Considering the wider array of financial decisions, not just investment.
It’s a service we provide at no cost. Contact us now if you would like to learn more about Wealth at Work.
A business will often be the biggest contributor to future financial wealth. But along its journey it also carries with it a burden of risk. Consider the impact on your business of a period of illness of either yourself or a key person. Or death.
Are you the business visionary, responsible for many of the business’s key relationships? Are you also the best salesperson and deal maker, while controlling costs and margins and sorting out day to day problems? What if you weren’t there, for even three to six months? What would your absence and uncertainty on the date of your return do to employee morale and retention and to profitability. Equally, an unexpected death can destroy the value of a business, at the very time that family members need that financial certainty.
We work alongside partners to create contingency plans to protect your business cashflows and manage your debt obligations if you or a key person can’t work due to illness, injury or an unexpected death, and to maintain the value of your business for your future and for your family.