Château Moderne

• How much do you want to live on, including NZ Superannuation?
• What trips, cars, renovations and major expenses will you have?
• Do you need to leave cash assets in your estate?

• What are your earnings?
• Where does your money go?
• How much have you got left for:
  • Short term – unexpected bills?
  • Medium term – replace car, renovations, education?
  • Long term – savings and accumulation?

When you know how much money you have, we can start the planning process – how can we save more, optimise Kiwisaver, reduce household debt and expenses and start building wealth?

How do you figure out how much you need?

• That’s our job. We work out what value of investment assets and income you need to meet those goals and spending objectives.
• What assets (if any) do you sell or use for income to fund these objectives?

What can you invest in?

• Cash
• Bonds and fixed interest
• Property (direct and listed)
• Shares
• Diversified investment portfolios that include all asset classes at variable levels

How do you decide what you should invest in?

This is all part of the advice process, taking into account your timeframe, objectives and investment risk appetite. We will put together a recommendation for you.

• Human risk insurance
• Property & liability risk
• Asset protection (estate planning)
• Investment risk

Risk and insurance are often thought of like the annoying part of financial planning, and many Kiwis think "why do I even need this?"

You will know you should have paid more attention to insurance when you need it most, that’s generally when its way too late.

>Identification, understanding and managing all the risks associated with investing and living (or not), form part of the retirement planning process.