Retirement Saving

The retirement journey can be daunting for many. With increasing uncertainty about the future New Zealand Superannuation and ever increasing costs, the need to address what your future will look like and how it will be funded is of greater importance. People are also living longer, which is putting more pressure on capital.

It may sound cliche, the earlier you start, the easier it will be. We can work through scenarios with you through our modelling software and show you how decisions you make now will affect your lifestyle during your retirement.

Retirement does not have to be a daunting thought, and for many having financial freedom is achievable. Talking to us today is the first step on this journey

Using our specialist software, we will sit down with you and create a model that will show you how your retirement journey could progress. You can then adjust this over time, as things change, and see how simple decisions today can impact you in the future.

Establishing a retirement plan is an involved process. Having an expert alongside you is critical, someone who understands how decisions made today impact the future and can work alongside you to help you navigate the bumps along the road.

How we work with you

The first step is to understand your current position, income, and how much you spend, along with your goals and aspirations.

The second step is to understand your asset base, both now and into the future. This may include property you own, businesses you own, current investments, what debt do you have.

The third step is to understand your approach to risk. This is investment risk, as that will be the driver of the decisions we will make together.

Finally, we will put together a plan using the modelling software. The plan will allow you to see the impact of the cashflows you are likely to have over your lifetime and take into account

  • Income and expenses now and in the future
  • Your current assets
  • What debt do you have now and are likely to have
  • Any Investment Properties you have now and want to purchase.
  • Savings in KiwiSaver
  • Any lump sums you are likely to receive in the future, although we can’t predict if you will win Lotto
  • When will you finish paying off your mortgage, and what to do with those payments once you are debt free.
  • What lifestyle do you want in retirement, including living costs, travel and lifestyle goals
  • Where will you live in retirement, will you be in your own home, in a retirement village or be renting.

Once we have analysed the information, we will write a recommendation for you. This could be a diversified managed fund, maximising your KiwiSaver, focusing on repaying debt or a strategy around buying Investment Property. We will let you know what you need to do to achieve your goals and what adjustments you need to make. We will also make sure you have funds in place in the event of something unexpected happening along the way.

We will also look at your Estate Planning, Personal Insurance and refer you to a specialist if needed.

Once you have invested, you will have access to your portfolio online so you can see how this is performing. If you want, you will also have access to the modelling tool so you can adjust your financial goals as things change in your life and make better decisions along the way.

We will meet with you at least once a year to review your progress and help you with the necessary adjustments. You will, of course, be able to contact us if you do have any questions along the way.

Click here to arrange a time to have an initial discussion (free of charge) about how we can help.

Find Us

Blissett Wealth

North Shore
Address 2H, 18 Triton Drive, RosedaleAuckland 0632
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