Financial Planning - Certified Financial Planner
Many of us wish we could predict the future and remove all guesswork from life planning - though knowing the end scores would definitely make rugby matches less thrilling.
MyFuture doesn't have the powers of foresight (sorry!), but we do have the next best thing for ensuring peace of mind: a comprehensive financial plan developed through a structured financial planning process.
With 30 years of experience and hundreds of happy clients, we’ve figured out the best approach to combine your needs with your resources to help you manage your debt, drive towards financial independence, and ultimately achieve a healthier, happier future. With the right financial advice, our predictions are always the same: less time worrying, more time living.
Discover what MyFuture’s financial advisers can do for you with a FREE Discovery Session.
Below is an example “Client Annual Review Tracker” dashboard with templated data, showing how our financial advisers can provide reports of your financial progress.
What is Financial Planning
Financial planning is the process of assessing your current financial position, identifying what you want from your current and future lifestyle, and then developing strategies to connect the two.
Sounds a bit dry, doesn’t it? A financial plan is about a lot more than just money.
Sounds a bit dry, doesn’t it? A financial plan is about a lot more than just money and investments.
In truth, a financial plan is about making sure you can live the life you want. It’s about allowing you to:
- Retire when you want
- Enjoy the hobbies the way you want
- Treat your family the way you want
- Protect what matters most to you
A financial plan is about knowing where your money is coming from and where it’s going, ensuring that it’s working for you – not the other way around – and that at every major life stage on your financial journey, you have the dollars and cents to make the most of it.
Financial planning is taking control of your finances now so you can have the future that you want.
Why Financial Planning is Important
Everybody is unique and has unique wants in life, so everybody’s reasons for financial planning are different.
For beginners with less than $1,000 in savings, their financial plan might be based on creating a budget and building wealth so they are better prepared for that sudden emergency that would otherwise drain their reserves.
For those heading towards retirement in the next few years, financial planning might be all about taking stock of their assets and ensuring they can live the retirement that they want – not the one that they’re forced into.
For those earning a solid income, their financial plan may be based on building a portfolio of investments so they can make those funds work for them.
New parents, the self-employed, professional athletes, even lottery winners – everybody has something to gain from a financial plan. After all, who wouldn’t be pleased with the peace of mind that financial independence – and a plan to reach it – can bring?
We offer financial planning:
Get Ahead With Quality Financial Advice
Our qualified financial advisers with proven financial expertise can help you set financial goals and achieve them with a tailored financial plan.
What Does A Licensed Financial Planner Do?
While financial planning has clear benefits, it isn’t the easiest journey to undertake, especially by yourself. There are dozens, even hundreds, of factors to consider, and navigating financial institutions and market conditions can be confusing even at the best of times.
That’s where a licensed financial adviser comes in. The team at MyFuture makes your financial success our priority, taking the stress out of managing finances and helping you make sense of the details. That may be helping you meet your current financial needs or identifying long-term objectives and working out how to achieve them.
Our team uses a structured, six-step financial process to guide you toward the right financial decisions, maximising the potential for meeting the life goals that matter most to you. We make recommendations that fit your needs and budget, ensuring that you get a bespoke plan that’s tailored to you and delivers real value.
We can help you with:
- Budgeting. We’re experts in analysing where your money comes from and where it goes, allowing us to make suggestions on where to cut so your wealth can keep growing.
- Investments. We research a variety of investment options available through various financial institutions and help ensure that your portfolio remains within the right level of risk for your current life stage and needs.
- Tax planning. While financial planners aren’t accountants, by truly understanding what your long-term financial goals are and by having a deep understanding of your current financial situation, we can work with tax specialists to ensure you have the most efficient tax-saving plan in place for your goals and situation.
- Insurance and risk management. A big part of any financial plan is preparing if things go wrong. The MyFuture team can help you understand your biggest risks and what kinds of insurances you may want to invest in for peace of mind.
- Mortgages and lending. A home loan is often the biggest financial commitment that any Kiwi makes in their life – better make sure it’s the best one for you, right? We can help you better understand your mortgage and other loans and how they fit into your overall financial life plan.
- Debt management. We can help you pay down debt faster so you can enjoy an interesting life – not a life with interest.
- Estate planning. Transferring your assets to the next generation isn’t as easy as it looks. By truly understanding your current situation and long-term goals, we can work with your solicitor and accountant to ensure you have an effective estate planning strategy that takes into account both your current circumstances and long-term financial planning objectives.
- Retirement planning. The ultimate long-term goal: retirement. We can help you work towards it. And once you’re there enjoying your well-earned break, we’ll keep your wealth working for you to fund your lifestyle.
For areas where another expert may be able to help more, we can connect you with the right people – brokers for loans, accountants for taxes, and so on. Think of us as your guide to achieving your life goals. We can help you set goals to fund university for yourself or for your kids, build up a new business, or simply preserve the wealth you’ve already worked hard for.
How To Choose The Right Financial Planner
Money can be a very personal thing, and nobody likes to think that they don’t know how to handle their own finances. Seeing a financial planner can feel like it’s only for investors who are already wealthy. But here’s the reality: working with a financial adviser as early as possible in your financial journey is the best thing you could ever do financially for you and your family, because you’ve taken the first step towards true financial independence. Choosing the right financial planner is the next step on that journey.
The right financial adviser for you should be:
- Licensed. Money is a big deal, and there are lots of rules and regulations governing who can provide advice on what. A licensed financial planner or adviser (like us!) is guaranteed to have the right training to give you the professional advice you need.
- Reputable. The right financial planner is the one with real, proven results. Check out what you can expect from our services by reading our clients’ testimonials.
- Expert. Every financial planner has different areas of expertise. Make sure the one you choose has the knowledge and certification in those parts of your financial plan you’re most concerned about. At MyFuture, we have experts in our team and our wider network to help you cover every aspect of your future financial journey.
- Friendly. A financial planner that’s right for you should be worthy of your trust, and a big part of that is making sure that you and your planner ‘click’ on a personal level. The MyFuture team prides itself on our commitment to openness and friendliness, so you’re always comfortable discussing any part of your financial life and lifestyle with us.
- Available. Achieving your goals through a financial plan can be stressful, and it pays to have a planner who can make the time to talk you through the plan and remind you how much better your life will be after sticking to it. The team at MyFuture is always here to give you a boost when you need it.
Our Financial Planning Services
Our team at MyFuture is made from fully qualified and licensed Financial Advice Providers (FAPs), regulated by the Financial Markets Authority to provide financial advice and investment planning services.
Our team is also qualified in real estate transactions and holds mortgage broking certificates, ensuring that we can provide a full range of advice and services for what may be the biggest financial decision of your life – your home and future investment properties.
No matter where you may be in New Zealand, we’re ready to help you put together a financial plan for a happy future. Contact us today for a FREE no-obligation Discovery Session.