Retirement Planning

Considering how long each of us are likely to spend retired, it is surprising how little time we tend to put in preparing our finances for this exciting stage of our lives!

What presents to most as a complex riddle, we see simply retirement planning as ultimately one of two questions:

Of course each client is different – and so should be their retirement plan. Using award winning wealth planning technology, we can sit down with you and help you see what your retirement trajectory looks like. We’ll identify things you might need to change and build for you an investment portfolio that will work with you to help you achieve your goals. 

You’ll find time spent with us will bring your finances into focus.

Contact us for a free initial chat. 

1.

How much do I need to save to fund the retirement I aspire to?

2.

Now that I am in retirement, at what rate can I reliably spend my money without running the risk of outliving what I’ve saved? 

 

KiwiSaver

We are very strong advocates of KiwiSaver. Every day we see the difference it makes in the financial futures of our clients. 

Since its introduction in 2007 KiwiSaver has helped over 2.7m New Zealanders better financially prepare for their retirement. 

But, as with so many things in life, with KiwiSaver there are do’s - and there are don’ts. Getting the most out of KiwiSaver, and making sure that your Scheme and Fund match your needs is best undertaken by an Authorised Financial Adviser.

We provide a free KiwiSaver advice service that includes

 

Helping you to bring back your overseas pension whether that be in Australia or the UK

 

Contact us for a free no obligation chat.

 

 

You can join or transfer to the NZ Funds KiwiSaver Scheme by clicking here

- Ensuring your choice of Scheme and fund matches your unique needs

- Help with processing first home withdrawals, retirement withdrawals or any other changes

- Advice on optimising member tax credits

- Reporting and ongoing monitoring of your Scheme. 

 

Aussie Super Transfers

Have you worked in Australia at all since 1992? If so, then it is likely you will have money sitting in an Australian Superannuation account. 

 

Trans-Tasman Superannuation portability took effect on 1 July 2013, enabling transfers from Aussie Super to your KiwiSaver Scheme. 

Why transfer your Australian Super to KiwiSaver?

  • It will enable you to consolidate your retirement savings in NZ

  • You will avoid paying fees and charges on accounts in two countries and multiple Schemes

  • You will have easier access to information on your total retirement savings in the one place.

  • Transfer from Aussie to NZ are exempt from any entry or exit taxes.

  • The NZ tax regime is generally more advantageous to NZ residents than the Australian regime. 

 

Transferring is easy and free. We can guide you through the process. Working with our KiwiSaver partner we’ll liaise with your Australian Super provider to get your funds to the right side of the ditch!

 

UK Pensions

 Do you have a pension in the UK you would like to bring to NZ? 

 

Perhaps you’ve already transferred your pension and now you’re wondering if the NZ QROPs Scheme your adviser recommended is right for you?

 

We offer friendly, objective and understandable pension advice for UK expats. We can help you:

  • Navigate the complexities of UK pension rules and determine if a transfer to or within NZ is right for you

  • Determine if you should convert your Pension to NZ $ or leave it in UK £ 

  • Understand and prepare for any tax liabilities in NZ or UK

  • Keep up to date with your QROPs once its transferred with online reporting and regular reviews

Plus we’ll liaise with your UK Pension provider to get your transfer completed with a minimum of fuss.

And our fees are very competitive, with minimum upfront fees and cost-effective QROPs investment options.

Contact us for a free no obligation chat.
 

 

Superannuation

Do you have a longstanding Superannuation investment scheme? Maybe it was originally offered as part of a workplace savings programme 10 or 20 years ago. There’s a good chance whichever investment manager originally offered it has long since been swallowed up and disappeared. 

Dust off your old Super and bring it in. We can help you understand what it is, whether you can access it and what alternative investment options you may have. After all its your money. We believe you should control it!

So – if you’ve once had a Norwich Union, Prudential, Colonial, Sovereign, AXA, Guardian,  Royal & Sun, Tower Super fund we’d love to help you get it back to work for you.

Contact us for a free no obligation chat.


 

 

Workplace Saving

For most New Zealanders KiwiSaver is likely to be our only form of personal retirement savings. In most cases this won’t be sufficient to fund the retirement lifestyle we hope for. 

In our experience, the Workplace is the ideal place to raise this issue – with education at the heart of the solution. 

Our Wealth at Work programme is a free work place education programme centred around helping employees make better financial decisions.  The programme includes:

  1. Helping employees better understand what drives their financial picture, ensuring they are well informed about their personal retirement objective.

  2. Reviewing KiwiSaver to ensure everyone is getting the most out of it.

  3. Using interactive technology to better understand retirement goals and necessary steps to improve their situation. 

 

Contact us now if you would like to learn more about Wealth at Work. 

 

The Team

John Wood

With over 30 years industry experience and a passion for the Coast, John brings enthusiasm and knowledge to everything he does. As well as being an Authorised Financial Adviser, John is also a Certified Financial Planner (CFP), and holds a Diploma in Business Studies (Massey) , Bachelor of Arts (Canterbury) and a Diploma in teaching. 

John is an active professional in the financial advice industry as well as being involved in many community projects and organisations. 

John is married to Jo with three grown up children and a growing brood of grandchildren. A keen sports person you’ll often find John outdoors enjoying life on the Coast either trail running or mountain biking.

Download Johns Primary and Secondary Disclosure Statements

Anne Chapman

Anne commenced her career in financial services in 1992. Now more than 25 years on, Anne has amassed a deep base of experience and a great many happy clients.

Anne’s greatest talent lies in the bonds that she builds with her clients. She gets to know each one and to understand their challenges and needs. Over time these relationships grow only deeper. This enables Anne to really assist people when they need it the most – and it is this which Anne most relishes.

Anne is an Authorised Financial Adviser (AFA) and holds a Chartered Life Underwriter (CLU) qualification. Anne is much involved in local and community matters including Board Directorships.

Anne is married to Gary. In her spare time, you’re likely to find Anne whitebaiting and relaxing at the family bach at Punakaiki.

Download Annes Primary and Secondary Disclosure Statements

 

Contact

Address:   12 Boundary Street Greymouth

Phone:      03 768 6947

Email:       john@investmenthouse.co.nz

We source all of our products from NZ funds.

Click here to find out more about them.

12 Boundary Street, Greymouth      03 768 6947