RETIREMENT CALCULATOR
RETIREMENT STRATEGY
A retirement for the life you want
If you know where you're heading, we'll help you get there
There’s no one-size-fits-all approach to retirement. Everyone’s goals, timelines, and priorities are different — and so are the paths to get there. That’s why we build strategies tailored to your goals, timeframe, and comfort with risk. From growing your wealth to protecting what you’ve worked hard for, our focus is on helping you make smart, well-researched choices that stand the test of time.
It's not about how much you have.
It's what you do with it.
Retirement looks different for everyone. Whether it’s time with family, travel, or simply peace of mind knowing the bills are covered, we’ll work with you to plan the future you’ve imagined. The earlier you start, the more choices you’ll have when it’s time to enjoy the rewards of your hard work.
Already retired?
It's not too late to plan.
Retirement planning doesn’t stop once you leave the workforce. Managing your investments, creating a sustainable income, and adjusting your strategy as life changes can help you make the most of your retirement years.
The four parts of any (good) retirement plan
Choosing your retirement lifestyle goals
What do you want retirement to look like?
How much will you need to live on, beyond NZ Super?
Will there be travel, home renovations, or big purchases?
Do you want to leave something behind in your estate?
This is where we get clear on your goals – both day-to-day and the big-ticket items.
Understand your current position
Before planning ahead, we take stock of where you're at now:
What’s coming in, and where does it go?
How much is left over, and is it working hard enough?
Are you set up for short-term costs, medium-term needs, and long-term growth?
From there, we can start making changes, whether it’s building savings, optimising KiwiSaver, or reducing debt.
Work out what you need
This is where the real planning happens. We calculate how much you’ll need, and when, to support your goals. We’ll also look at:
What assets (if any) can be used to generate income
What to invest in (cash, bonds, property, shares or diversified portfolios)
How your investments should be structured to match your timeframes and risk appetite
You don’t need to have the answers – that’s our job.
Protect the plan
Every good retirement plan includes a risk strategy. That means thinking about:
Insurance to protect your income, health, or family
Estate planning
The ups and downs of investing
Regular reviews
We’ll help you understand the risks, identify the gaps, and recommend solutions to help support your plan if life throws a curveball.
Use our handy tools to help keep you on track
Latest news
Helpful insights, key updates and videos
