KiwiSaver was set up in 2007 to encourage long-term savings and foster financial independence for New Zealanders. Many New Zealanders will rely on their KiwiSaver money to supplement NZ superannuation in retirement. As such, it is an essential tool for…
As we navigate through life, our approach to our finances evolve significantly. In the early years, we rely on human capital—our skills and labour—to earn a living. Over time, this gives way to investment capital—the wealth we’ve built and invested…
If you had to pay tax of more than $5,000 in your last income tax return, you may have to pay provisional tax for the following year.
In an age of robo-advice and AI, it can be tempting to think managing your finances is something you can manage yourself without an adviser. But as in any area of life, seeking and heeding wise counsel can make the…
Working for yourself or running your own business? Set up robust systems for expenses & tax requirements so you can focus on your important tasks. We can help take the headaches out of your business accounting.
What are the key reports to focus on in your business? We’ll show you how to track performance, take action and position your company for growth.
Are you making any of these accounting mistakes? We’ve outlined the top 5 accounting pitfalls that small business owners trip over, so you don’t have to make the same mistakes.
Should you buy or lease your new equipment? Here are some pros and cons of each. We also can review your financial position, cashflow and cost base to decide whether buying or leasing is the right thing for the business.
When it comes to considering how the markets will react to the result of the upcoming American election, it’s worth stepping back from the daily media noise to look over a longer period. Much of the world is watching anxiously…
A financial legacy is more than just the money you leave behind; it is the lasting impact of your financial decisions on future generations and society. Deciding on your financial legacy involves personal choices that reflect your values, beliefs, and…
Investing is a path to financial independence and building wealth. Yet the reality for many individual investors paints a different picture. The DALBAR Quantitative Analysis of Investor Behaviour (QAIB) 2024 study sheds light on a troubling trend: the average investor…
When it comes to growing your money, term deposits have long been heralded as a safe haven for savings. However, as renowned economist Thomas Sowell says, “there are no solutions, only trade-offs”. In the case of term deposits, we must…
How much do I need to save for retirement? How long will my nest egg last me? How many trips can we afford to take while we are still young enough to travel? These are simple questions that we get…
JANUARY – MARCH 2024 How much do I need to save for retirement? How long will my nest egg last? How many international trips can we afford to take while we are still young enough to travel? These are simple…
As Kiwis, we love property. In fact, homes and real estate make up approximately 43% of total household assets in New Zealand. However, this love affair has started to sour for many indebted investors.
The tax rate for family trusts is increasing from a flat 33% to 39% from 1 April 2024. Many Kiwis use trusts to build their retirement savings or pass on their wealth to the next generation and, without care on…
