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Retirement Planning

Safeguard a comfortable retirement income

Are you thinking about retirement, or have you already started your retirement journey? You may look forward to it or choose to keep working longer because you enjoy it or want to maintain a purpose.

Everyone’s story is different, but most people can now expect to live well into their 80s or longer. This means if you stop working in your mid-60s, you’ll need retirement income for 20 years or more. 

You don’t have to live with uncertainty about your future. With a solid plan and our expert advice, you’ll know if you are on track to maintain your standard of living in retirement, or make sure you’ll get there, and have enough left over to have some fun with.

Plan for the retirement you deserve

The transition from working life to retirement is one of life’s great challenges. Whether you’re planning to leave the workforce or retiring from your business, our financial planning services will help this challenge become an opportunity!

Pursue your passions, go on adventures, or enjoy more time with friends and family knowing that your cash flow is sufficient and your accumulated wealth remains strong.

Financial security in retirement doesn’t just happen. It takes planning and commitment and, yes, money


Understand your retirement needs

What do you want your future to look like?  


Assess your current financial situation

It’ll help you set a retirement budget.


Remember that saving matters!

Give your money plenty of time to grow.


Talk to the financial experts

Let’s create a personalised retirement plan.

Retirement Income Spending

Planning your retirement spending helps reduce the disappointment and risk of running out of money early in retirement. It is highly likely that you will want to supplement the meagre NZ Super entitlement during your retirement years. Even people living frugally need to top up their NZ Super with savings to survive.

This means drawing a regular monthly sum from the nest egg you have accumulated, and perhaps occasional lump sums for other major items or events over the years.

We can show you the impact these deductions are likely to have on your retirement capital and can include ensuring that there is a specific sum left at the end for your loved ones if this is important to you.

Take advantage of our FREE (no cost and no obligation) one-hour session to see if we’re the right fit to help you create your very own retirement income strategy.  Call us today on 0800 66 66 78.

Questions and Answers about Retirement Income

How much is enough for retirement?

It all depends on your lifestyle, your plans, and the number of years you’ll spend retired. For Kiwis on above-average incomes, a rule of thumb to estimate how much money you’ll need in retirement is to assume you will require 67% (two-thirds) of your pre-retirement income to maintain the same standard of living. If you have any questions, feel free to get in touch with Bill for a FREE one-hour session.

When should I start planning for my retirement income?

The need to get serious about planning for retirement as early as possible is increasing as the future cost of funding NZ Super from taxation becomes unaffordable. Retirees are drawing NZ Super for longer, and it is projected that in future years there will be fewer people in the workforce contributing to the tax base. The earlier you get a plan in place for a financially comfortable retirement, the better.

Should I make changes to my investment portfolio as I get older?

Generally, it makes sense to invest more conservatively as you age. However, it all depends on your situation. A risk report from your financial advisor will give you clarity and the knowledge you need to make changes accordingly.

Is owning a home a secure retirement plan?

Owning your home mortgage-free can support your retirement, as it substantially reduces your day-to-day expenses. It also allows you to look at equity release options such as downsizing or reverse mortgages, which means you can release money from your home to support your retirement. Talk to Bill about your options and personalised advice. 

We can expertly advise you on how best to manage your retirement income for many years to come.