Investments
Short-Term
Money that is needed within three years. Conservative and no surprises - interest bearing and often for a fixed term.
Medium-Term
This money is required in three to seven years. Generally we see local and Australian shares as falling into this category, being investments that will often have good cash flow and strong dividends. Liquidity is very important and some risks need to be taken. Beware of
exchange and interest rate risk.
Long-Term
Here is where the money is to be made. No one knows what tomorrow brings but we do know good investments grow over time. The magic of compounding returns and the power of earnings growth will turn a selection of quality assets into sizeable portfolio over time. But this is
not the money you intend to spend within the next five years.
Insurance
Life Insurance
Life can be unpredictable! Money cannot solve the pain of losing a loved one but it can relieve some immediate risks like paying off the mortgage, and having the assurance of knowing your Family's financial future is secure.
Income Protection
Your greatest asset is your income. Over your lifetime you may earn millions of dollars but an accident, an illness or trauma could set aside all your training and work that defines your career and income. How will you pay the mortgage if the unthinkable happens?
Medical/Health Cover
Why do you need it? Yes we have a public health system in New Zealand, but Health Insurance gives you access to private treatment quickly and cost effectively. With insurance you have peace of mind, no unexpected delays and no hesitation. If you have to pay, or the state has to pay,
you will likely "wait". Waiting can be painful and contribute to greater financial and emotional discomfort. If you have insurance you will not hesitate to act.
Financial Planning.
A good financial plan must be underpinned by a set of principles. It is through the financial planning process that we will find with you a course around the most apparent risks to your financial goals and ambitions. Remember, risk is neither good nor bad. It is often measured by the degree which future events turn out differently to what is expected. Without risk there can be no return! Risk is not to be feared, it needs to be understood.
We will have the big picture in mind. We understand the technicalities and we will monitor and manage with you the outcomes. Our business is here for the long-term and so our relationship with you is our priority. We are not a large corporate. We are a small boutique, with some unique large corporate relationships which all contribute to building and managing for you a tailored financial plan.
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Our Vision and Values
Through understanding our clients current position and future ambition, we will construct and manage a personal financial plan capable of achieving their goals. A financial plan is not just about investments but investing is a necessary component of financial independence. We will not
be afraid to give advice, nor to take a principled stand, to be the best personal financial planners servicing the needs of our clients and giving comprehensive investment, insurance or borrowing advice that simply makes sense!
Our Mission
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Communicate | |
Monitor and administer | |
Seek the best solutions |
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Stand unaffiliated | |
Have a disciplined approach | |
Build with our client a tailored position |
