Financial Advice

Experience has taught us that no two clients are the same. We understand that each of us has unique life experiences and plans for the future. Our job is to help you turn your financial needs and goals into reality. We do this by providing you with professional, expert advice on managing your financial affairs. So whether you want to plan for your retirement, save money, reduce debt, simplify your tax liabilities or find the best way to leave a legacy for your loved ones, we can help.

We'll unravel the complexities, help you understand your choices, establish a comprehensive plan and recommend some solutions to help you achieve a better financial future. Covering important things like savings and investments, it's also a spending plan - providing you with the means to spend with confidence, and enabling you to enjoy the lifestyle you've worked so hard to earn.

The traditional approach to giving financial advice started with a risk profiling exercise and finished with a single portfolio recommendation. Instead we begin our conversations with a discovery process that allows our advisers to know and understand your financial needs and goals - we call this ‘needs-based advice'.

Once this discovery process is complete, our advisers are in a much better position to recommend how clients should allocate their money. Most peoples' needs can be matched to four general categories in this way:

Short Term spending needs

Money set aside, in relative safety, to meet normal spending needs in the next couple of years e.g. household and living expenses.

Future Income needs

To enable our clients to plan for their medium-term needs (the next three to five years) with confidence e.g. a trip overseas to see the grandchildren or a future medical procedure.

Inflation Protection needs

To future-proof spending power, over time, from the effects of inflation.

Future Growth needs

The ‘engine room' of the portfolio, intended to grow our clients' capital in the long term.

The outcome of this process is an individually tailored financial plan, made up of four distinct portfolios that reflect each of the needs categories outlined above. These portfolios are designed to collectively meet each client's personal financial and lifestyle goals.

Our approach to providing advice to clients has been the subject of extensive research both in New Zealand and overseas. We have a culture of transparency and accountability. Every month we renew ‘ Portfolio Insights' which provides clients with a detailed analysis of what each Portfolio holds and how it has performed.