Financial advisers’ actions can make or break you financially. Good advice can set you up for a comfortable life and retirement. Bad advice can lead to financial ruin. But without waiting for the consequences, how do you know if the advice you have received falls into the “good” category? Recently there has been increased media […]

When Should I Start Planning for Retirement? (Answer: Today) You need to start planning for retirement today. Every financial planner has one thing they want to tell young people. It applies to anyone who is earning any income, even young people. And, the advice is even more important for young women than men. Start planning […]

Cutting Back on Expenses? Don’t Muck Around with Your Insurance Trimming back your budget? Make sure you understand the consequences before cancelling or changing your health, income, life, or trauma insurance cover. When you’re struggling to pay the bills, most people start looking at their expenses and asking themselves: do I really need that? For […]

Selecting the KiwiSaver Fund That’s Right for You Savings have a direct impact on your retirement quality of life and future plans. How can KiwiSaver accelerate your savings? Almost two thirds of New Zealanders have a Kiwisaver account which are collectively worth over $104 billion. Given that New Zealand doesn’t have a compulsory superannuation scheme […]

You’ve done the hard work and created a financial plan designed to achieve your goals and dreams. But making a plan is only the start. Just like marriage, an effective financial plan needs good foundations, requires a long term commitment and takes care and attention to keep on track. The strength of a building lies […]

Good debt sounds like an oxymoron. Time and time again we hear that all debt is bad. Is there such a thing as good debt? When does taking on debt become a good thing? What is good debt? A good debt is when your debt is an investment that generates income long term, or will […]