Put a number on your retirement
We model your target retirement income in today's dollars and show what it takes to get there.
Retirement Planning
Far too many people underestimate how much money they will need in retirement, especially after becoming accustomed to a certain quality of life. We help you picture the retirement you actually want, put a number on it, and build a plan to fund it.
Close the gap
Contribution levels, KiwiSaver settings, investment mix and timing are adjusted until the plan works.
Plan the drawdown
How much to withdraw, from which account, and in what order — so the money lasts and tax stays sensible.
Coordinate NZ Super and other income
We factor in NZ Super, rental income, part-time work and any other sources into a single income picture.
Process
How the advice process works.
01
Where you are
A full picture of savings, KiwiSaver, property, debt and expected NZ Super.
02
Where you want to be
We agree a target retirement age and lifestyle, with a realistic annual income figure.
03
The projection
Scenario modelling shows the gap, and what changes close it fastest.
04
The plan
A written retirement plan covering contributions, investment mix and milestones.
05
Reviews
Annual check-ins keep the plan aligned with markets, legislation and your life.
Who it suits
Built for these situations.
- 10-20 years out and wanting to know if you are on track
- Approaching 65 and deciding how to turn savings into income
- Already retired and wanting a sustainable withdrawal strategy
- Business owners planning an exit as their retirement event
FAQs
Common questions.
Is it too late for me to start?
Rarely. Even a few years of deliberate planning changes the outcome — the sooner we model it, the more options you have.
Should I change my KiwiSaver fund?
Often yes, but only after we understand your timeframe. A fund that suits a 30-year-old is usually wrong for someone drawing down in three years.
Do you help with the transition to retirement?
Yes — the first few years of drawdown are the highest-risk period, so we plan them carefully.
Let's get your financial future organised.
A no-obligation conversation with a Parnell-based adviser who takes the time to understand where you're heading.