Financial Planning

The Illusion of Time: A Wake-Up Call for High Achievers

You think you have time. We all do. It's perhaps the most dangerous illusion we carry—this belief that time stretches endlessly ahead of us, that there will always be tomorrow to have that conversation, next weekend to visit family, or next year to finally prioritise what truly matters.

Modern Protection in Vehicles and Investments

The morning had been perfect for my friend Paul’s brother. The Queensland sun warmed his skin as he hitched his modern caravan to his Nissan SUV, ready for a weekend at the beach. The open road beckoned, promising relaxation and the soothing sound of waves.

Market Patience: The Easter Lesson for Investors

In times of market uncertainty, wealth often transfers from the impatient to the patient. This timeless truth feels particularly relevant today, as markets respond to shifting economic policies and global events with characteristic volatility.

The Health Insurance Squeeze: Why Premiums Are Soaring in 2025

New Zealanders with health insurance are facing unprecedented premium increases in 2025. Global risk management firm, Aon, has given us a new and dubious title – announcing that NZ has one of the highest medical trend rates both in APAC and globally, viciously spiking from 7.4% in 2024 to 14.5% in 2025.[i]

The 'Great Wealth Transfer’ Myths You Should Know About

The headlines are attention-grabbing all seem to agree: The largest transfer of wealth in history is coming. But how much of this narrative holds up to scrutiny? There are several myths that need addressing.

We Had Better Have a Plan – Corrections, Risk and Tolerance

With the corrections occurring in the market and the markets doing what they have always done efficiently… It’s time to stop, breathe deep with both feet firmly on the ground, and reassure ourselves of the why and what is of our financial position and plan.

The Downsides of DIY Investing

With home ownership out of reach for many people, we’re seeing shifts in investing priorities that align with generational differences, particularly from Millennials and Gen Z. Following on from Boomers, who are tipped as the wealthiest generation in history, things are tough in a world where costs keep rising and outpacing income.