Grow your wealth,
expand your horizons .
Areas of expertise .
Strategic advice and a bespoke financial plan make the difference between enjoying life’s rewards and simply dreaming about them.
While investing plays a key role in the success of your financial plan, to help you build your wealth, we also focus on other aspects of your financial life.
Managing money in versus money out is the bedrock of a successful financial plan. This includes repaying mortgages, credit cards and other personal debt, and trimming unnecessary costs. If you’re working, managing your money helps you save for your future. If you’re retired, it’s essential to make sure your investments go the distance.
If you’re eligible, we recommend you enrol in KiwiSaver to take advantage of government and employer incentives. We’ll explain your options, project future growth and help structure your KiwiSaver account to suit your life now, and your goals in retirement.
Insurance is often the best way to manage the risks of infrequent events that would have a significant financial impact. But many people pay more than they need. Our experts can help you structure your insurance to fit your situation, life stage and budget. Please note: while we incorporate insurance as part of your planning, we no longer provide recommendations on or implement insurance policies. We work with other trusted insurance advisers to recommend and implement these policies for you.
See your financial plan through, by making sure you get the right assets into the right hands at the right times. Estate planning can cover:
- Making sure you have a valid, current will
- Arranging enduring powers of attorney
- Setting up family trusts and company structures
Wealth & Co can work closely with your lawyers, tax specialists and other advisers, so you feel confident that your estate plan will work, the right structures are in place, and that your assets and life insurance policies are correctly owned.
Once your personal debt is under control, we’ll help you build a diversified investment portfolio to create a source of income when you’re no longer earning a salary. You may have sold a business or investment property, or downsized your home. We’ll build a plan to transition to the retirement you want: either gradually or at a particular age, a retirement budget, and an investment structure that provides income, while protecting you against inflation.
No one wants to pay more tax than they need to. We work closely with your accountants and lawyers to identify ways to reduce the impact of tax on investments and in other areas.
Individuals, couples, family trusts and estates need a flexible approach to investment. Once we understand your needs for income and growth, your time horizon and your risk comfort zone, we can help you build an investment portfolio.
Successful investing is the result of self-discipline and patience, and is a trade-off between risk and return. Wealth & Co can help you avoid the fear and greed that lead to investment failure. Getting the right mix of income and growth assets as well as diversification is crucial.
Are you?
Planning for
retirement?
Early retirement may be appealing, but requires careful planning.
Our diligent retirement analysis process looks at the full picture, to help you decide when you’ll be financially and emotionally ready to retire.
In preparation for a new life stage change, we’ll create and implement a plan to match your life goals and risk tolerance, so you can truly enjoy that time.
Personalised, because
we are all different .
Early retirement may be appealing, but requires careful planning.
Our diligent retirement analysis process looks at the full picture, to help you decide when you’ll be financially and emotionally ready to retire.
In preparation for a new life stage change, we’ll create and implement a plan to match your life goals and risk tolerance, so you can truly enjoy that time.
If you’re high-net-worth and almost mortgage free, we’ll help you put your surplus income to work for you.
Our financial plan considers all your goals, alongside multiple financial scenarios – to better help you achieve them.
We’ll consider your investment timeframe, how much you’ll need in retirement, and any plans for your kids’ higher education.
A significant inheritance can really change your family’s situation.
To help you manage your financial windfall, we’ll create an income and investment plan that also considers how to best protect your inherited assets, should they be kept separate from pooled assets.
After decades of hard work, you may be thinking of selling your business, or large family ‘empty nest’.
Here, planning and preparation are key to having the funds needed to enjoy your retirement. Together with your other trusted professionals (accountant and lawyer), we can develop a plan to suit your lifestyle, well before you make any move to free up time and capital from either sale.
Are you?
(Mostly)
mortgage
free?
If you’re high-net-worth and almost mortgage free, we’ll help you put your surplus income to work for you.
Our financial plan considers all your goals, alongside multiple financial scenarios – to better help you achieve them.
We’ll consider your investment timeframe, how much you’ll need in retirement, and any plans for your kids’ higher education.
Are you?
Expecting a
windfall?
A significant inheritance can really change your family’s situation.
To help you manage your financial windfall, we’ll create an income and investment plan that also considers how to best protect your inherited assets, should they be kept separate from pooled assets.
Are you?
Selling or
downsizing?
After decades of hard work, you may be thinking of selling your business, or large family ‘empty nest’.
Here, planning and preparation are key to having the funds needed to enjoy your retirement. Together with your other trusted professionals (accountant and lawyer), we can develop a plan to suit your lifestyle, well before you make any move to free up time and capital from either sale.