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Retirement is not the waving of the chequered flag; it is the start of an exciting new chapter in your life. We’re all on the same journey but everyone has their own story. We’re here to help you shape yours.

Helpful guide for planning your retirement The role of KiwiSaver in your retirement How much money do you need in retirement? What's your story? We're here to help

Helpful guide for
planning your retirement

The role of KiwiSaver
in your retirement

How much money do
you need in retirement?

What's your story?
We're here to help

Helpful guide for planning your retirement

Helpful guide for planning your retirement

The role of KiwiSaver in your retirement

The role of KiwiSaver in your retirement

How much money do you need in retirement?

How much money do you need in retirement?

What's your story? We're here to help

What's your story? We're here to help

The thought of retirement can be daunting for all sorts of reasons, financial and otherwise.

  • Am I on the right track?
  • Will my savings last me through retirement?
  • What is retirement going to look like for me?
  • What do I need to know?

The key is to plan your transition from working life to living an enjoyable and satisfying retirement.

Like most things in life, a bit of planning in advance will better prepare you for achieving your own retirement goals. While it's never too late to start or make changes to your approach, the earlier you start the better your chances of achieving the retirement lifestyle you desire. As they say, forewarned is forearmed!

Research from the Financial Markets Authority and the Commission for Financial Capability suggests that many Kiwis 50+ are under prepared and have unrealistic expectations about retirement. Check out our 'Guide to Planning your Retirement' and then give us a call. You don't need to enter this new phase on your own.

Guide to planning your retirement

KiwiSaver has a role to play

While you can withdraw your savings from your KiwiSaver account at age 65, we believe KiwiSaver has just as an important role to play after 65. KiwiSaver is a cost effective and tax effective way to manage your money in retirement.

You can:

  • Withdraw some or all of your savings at any time
  • Setup a regular withdrawal to supplement any other income sources
  • Consolidate other savings into your KiwiSaver account

KiwiSaver ensures all of your money is not simply sitting in the bank. We're living longer in retirement so need to ensure our savings keep ahead of inflation and our spending power is not eroded. KiwiSaver provides you with a diversified portfolio to help achieve that.

Once you've closed your KiwiSaver account it cannot be reopened so think carefully before you close it.


How much money do you need to live in retirement?

This graph captures perfectly the dilemma we all face. At retirement there is a big gap between what we've been used to getting paid for working and what our new pay master, the government, will give us. If you don't have a savings plan you could end up having to rely on NZ Super alone and that may not be easy.

Difference between your current income and NZ Super

This graph is based on a single person living alone and a married/de facto couple living together from the age of entitlement to NZ Super, currently age 65. The weekly net income amounts for each salary level are based on the current applicable personal tax rates.


What's your story?

No two stories are alike. Whether as a sounding board, providing specific advice or simply someone to talk to, we are here to help.

If you'd like to chat with us about planning your retirement, please call us or simply complete the form below and we'll be in touch: