{"id":429,"date":"2025-04-21T15:43:21","date_gmt":"2025-04-21T15:43:21","guid":{"rendered":"https:\/\/smartadviser.co.nz\/2023\/?page_id=429"},"modified":"2025-07-06T15:26:40","modified_gmt":"2025-07-06T15:26:40","slug":"retirement-planning","status":"publish","type":"page","link":"https:\/\/smartadviser.co.nz\/2023\/retirement-planning\/","title":{"rendered":"Retirement Planning"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"429\" class=\"elementor elementor-429\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-79cdeacb elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"79cdeacb\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-209c947d\" data-id=\"209c947d\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-231298bb elementor-icon-list--layout-inline elementor-mobile-align-center elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"231298bb\" data-element_type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items elementor-inline-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-inline-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"#\">\n\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Home<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-inline-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"#\">\n\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Retirement Planning<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-531cbc24 elementor-widget elementor-widget-heading\" data-id=\"531cbc24\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Retirement Planning<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f37c240 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"f37c240\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-503766f5 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"503766f5\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-4073b755\" data-id=\"4073b755\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1ab05a67 elementor-widget elementor-widget-elementskit-heading\" data-id=\"1ab05a67\" data-element_type=\"widget\" data-widget_type=\"elementskit-heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" ><div class=\"ekit-heading elementskit-section-title-wraper text_center   ekit_heading_tablet-   ekit_heading_mobile-\"><h3 class=\"ekit-heading--title elementskit-section-title \">Planning For Your <span><span>Retirement<\/span><\/span><\/h3><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7e899b38 elementor-widget elementor-widget-text-editor\" data-id=\"7e899b38\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Retirement planning is pretty much the same as\u00a0<a href=\"https:\/\/smartadviser.co.nz\/financial-planning\/\">Financial Planning<\/a>, only this time the focus and goal is to ensure a comfortable retirement. What \u201ccomfortable\u201d means to you will be very different to others, which is why any article or claim that you need to have $X by the time you retire is at best suspect, and at worst scaremongering.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-31e5f96 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"31e5f96\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-958b7b8\" data-id=\"958b7b8\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-246b810 elementor-widget elementor-widget-image\" data-id=\"246b810\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"1200\" height=\"965\" src=\"https:\/\/smartadviser.co.nz\/2023\/wp-content\/uploads\/2025\/03\/fundjpg027.jpg\" class=\"attachment-full size-full wp-image-343\" alt=\"\" srcset=\"https:\/\/smartadviser.co.nz\/2023\/wp-content\/uploads\/2025\/03\/fundjpg027.jpg 1200w, https:\/\/smartadviser.co.nz\/2023\/wp-content\/uploads\/2025\/03\/fundjpg027-300x241.jpg 300w, https:\/\/smartadviser.co.nz\/2023\/wp-content\/uploads\/2025\/03\/fundjpg027-1024x823.jpg 1024w, https:\/\/smartadviser.co.nz\/2023\/wp-content\/uploads\/2025\/03\/fundjpg027-768x618.jpg 768w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-126062d\" data-id=\"126062d\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-bb7581c elementor-widget elementor-widget-heading\" data-id=\"bb7581c\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Unlock Your Future:<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c1ff36d elementor-widget elementor-widget-elementskit-heading\" data-id=\"c1ff36d\" data-element_type=\"widget\" data-widget_type=\"elementskit-heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" ><div class=\"ekit-heading elementskit-section-title-wraper text_left   ekit_heading_tablet-   ekit_heading_mobile-\"><h3 class=\"ekit-heading--title elementskit-section-title \">Why is <span><span>Retirement Planning<\/span><\/span> Important?<\/h3><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-057fcef elementor-widget elementor-widget-text-editor\" data-id=\"057fcef\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Retirement now looks very different to what our grandparents or parents experienced. You may never experience a sudden shift from full time work to full retirement as was once the norm. You may even want to keep working.\u00a0 The transition into full retirement is often more gradual now and \u2018semi-retirement\u2019 is a new life phase.<\/p><p>You can expect to lead a fairly active lifestyle in your golden years too, and will probably do so far longer than previous generations.\u00a0 This means that you\u2019ll be able to do things you enjoy such as travelling, spending more time on your hobbies and interests, learning new skills, and visiting friends and family \u2013\u00a0<em><strong>if you can afford to do so<\/strong>.<\/em><\/p><p>The earlier you begin to plan for your retirement, the better prepared you will be to make the transition. New Zealand\u2019s Superannuation payment for people aged 65 years +\u00a0does help cover some expenses, but will most likely fall short on how much you\u2019ll need to live the kind of lifestyle that you want.<\/p><p>A retirement plan will identify your potential shortfall and puts in place the actions you need to take to ensure your retirement years are financially stress free.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-02397d8 elementor-mobile-align-left elementor-invisible elementor-widget elementor-widget-button\" data-id=\"02397d8\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;_animation_delay&quot;:400}\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm elementor-animation-shrink\" href=\"#\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Contact us<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-3d46e0fd elementor-section-height-min-height elementor-section-items-stretch elementor-hidden-desktop elementor-hidden-tablet elementor-hidden-mobile elementor-section-boxed elementor-section-height-default\" data-id=\"3d46e0fd\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-1429367f\" data-id=\"1429367f\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-29763dac elementor-widget elementor-widget-elementskit-heading\" data-id=\"29763dac\" data-element_type=\"widget\" data-widget_type=\"elementskit-heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" ><div class=\"ekit-heading elementskit-section-title-wraper text_left   ekit_heading_tablet-   ekit_heading_mobile-\"><h2 class=\"ekit-heading--title elementskit-section-title \">The <span><span>Process:<\/span><\/span> <\/h2><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5b32ee5f elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"5b32ee5f\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-72867c1b elementor-widget elementor-widget-text-editor\" data-id=\"72867c1b\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>We follow the same process as\u00a0<a href=\"https:\/\/smartadviser.co.nz\/retirement-planning\/\">Financial Planning<\/a>\u00a0but the focus at Step One is to determine exactly what kind of retirement you envisage for yourself. If your goals are wider than just planning for your retirement, we recommend you incorporate your retirement wishes into a full financial plan.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-12418d2a elementor-mobile-align-left elementor-hidden-desktop elementor-hidden-tablet elementor-hidden-mobile elementor-invisible elementor-widget elementor-widget-button\" data-id=\"12418d2a\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;_animation_delay&quot;:400}\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm elementor-animation-shrink\" href=\"#\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"icon icon-download\"><\/i>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Download Document<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-a20da0b elementor-section-height-min-height elementor-section-items-stretch elementor-section-boxed elementor-section-height-default\" data-id=\"a20da0b\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-26605ea\" data-id=\"26605ea\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-38dc257 elementor-widget elementor-widget-elementskit-heading\" data-id=\"38dc257\" data-element_type=\"widget\" data-widget_type=\"elementskit-heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" ><div class=\"ekit-heading elementskit-section-title-wraper text_left   ekit_heading_tablet-   ekit_heading_mobile-\"><h2 class=\"ekit-heading--title elementskit-section-title \"><span><span>Our Process:<\/span><\/span> How We Set You Up To Live Your Best Financial Life <\/h2><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-03a8a03 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"03a8a03\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8db97f6 elementor-widget elementor-widget-text-editor\" data-id=\"8db97f6\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>When you get back to basic principles, achieving your goals shouldn\u2019t be complicated. Our aim is to make everything we do easy to understand and apply.<\/p><p>Our financial planning team has devised a five-step plan to take control of your finances.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-51db5bb elementor-mobile-align-left elementor-hidden-desktop elementor-hidden-tablet elementor-hidden-mobile elementor-invisible elementor-widget elementor-widget-button\" data-id=\"51db5bb\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;_animation_delay&quot;:400}\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm elementor-animation-shrink\" href=\"#\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"icon icon-download\"><\/i>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Download Document<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-dc70380\" data-id=\"dc70380\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-9eb0842 e-transform e-transform elementor-hidden-desktop elementor-hidden-tablet elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"9eb0842\" data-element_type=\"widget\" data-settings=\"{&quot;_transform_rotateZ_effect&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:90,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect&quot;:{&quot;unit&quot;:&quot;%&quot;,&quot;size&quot;:57,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_tablet&quot;:{&quot;unit&quot;:&quot;%&quot;,&quot;size&quot;:68,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:409,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:278,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:182,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:141,&quot;sizes&quot;:[]},&quot;_transform_rotateZ_effect_tablet&quot;:{&quot;unit&quot;:&quot;deg&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_rotateZ_effect_mobile&quot;:{&quot;unit&quot;:&quot;deg&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4845461 e-transform e-transform elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"4845461\" data-element_type=\"widget\" data-settings=\"{&quot;_transform_rotateZ_effect&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:90,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect&quot;:{&quot;unit&quot;:&quot;%&quot;,&quot;size&quot;:57,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_tablet&quot;:{&quot;unit&quot;:&quot;%&quot;,&quot;size&quot;:68,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_mobile&quot;:{&quot;unit&quot;:&quot;%&quot;,&quot;size&quot;:68,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:278,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:182,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:141,&quot;sizes&quot;:[]},&quot;_transform_rotateZ_effect_tablet&quot;:{&quot;unit&quot;:&quot;deg&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_rotateZ_effect_mobile&quot;:{&quot;unit&quot;:&quot;deg&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-6281ad6 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6281ad6\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-bbbb152\" data-id=\"bbbb152\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4ed9672 elementor-widget elementor-widget-heading\" data-id=\"4ed9672\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">01<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-58c7575\" data-id=\"58c7575\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-700726c elementor-vertical-align-top elementor-widget elementor-widget-image-box\" data-id=\"700726c\" data-element_type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><div class=\"elementor-image-box-content\"><h4 class=\"elementor-image-box-title\">Where Are You Going?<\/h4><p class=\"elementor-image-box-description\">Working with our leading financial planners, we help you define what you aspire to own, accomplish, and the motivations behind them. Your goals are unique and will evolve with time.<\/p><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-f27879b elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"f27879b\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-91b18e2\" data-id=\"91b18e2\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-e531af0 elementor-widget elementor-widget-heading\" data-id=\"e531af0\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">02<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-c961437\" data-id=\"c961437\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-14b9f87 elementor-vertical-align-top elementor-widget elementor-widget-image-box\" data-id=\"14b9f87\" data-element_type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><div class=\"elementor-image-box-content\"><h4 class=\"elementor-image-box-title\">What is your starting point? <\/h4><p class=\"elementor-image-box-description\">We conduct a financial health check examining all areas of your financial life. The more details you share, the more robust your plan will be. After all, it\u2019s impossible to create and follow a roadmap without first knowing what your starting point is.<\/p><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-db7d480 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"db7d480\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-675c8b5\" data-id=\"675c8b5\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-8443d87 elementor-widget elementor-widget-heading\" data-id=\"8443d87\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">03<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-2344238\" data-id=\"2344238\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-d97236f elementor-vertical-align-top elementor-widget elementor-widget-image-box\" data-id=\"d97236f\" data-element_type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><div class=\"elementor-image-box-content\"><h4 class=\"elementor-image-box-title\">Plotting Your Course<\/h4><p class=\"elementor-image-box-description\">Next, we create your tailored financial plan aligned to the Six Financial Elements. What actions do you need to take (or not take!) to get you to where you want to be? Flexibility is inbuilt for life\u2019s little detours \u2013 but you\u2019ll always understand the big picture and what needs to be done.<\/p><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-5ffee54 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5ffee54\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-b672e66\" data-id=\"b672e66\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-98e9e0e elementor-widget elementor-widget-heading\" data-id=\"98e9e0e\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">04<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-1644b67\" data-id=\"1644b67\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-592847a elementor-vertical-align-top elementor-widget elementor-widget-image-box\" data-id=\"592847a\" data-element_type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><div class=\"elementor-image-box-content\"><h4 class=\"elementor-image-box-title\">Making it happen <\/h4><p class=\"elementor-image-box-description\">\nAt this point, you are free to take your financial plan with you and follow it, or you can engage our brokerage services to do some of \u2018the do\u2019 for you. The choice is yours.<\/p><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-236130d elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"236130d\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-530aca5\" data-id=\"530aca5\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-a0cb57a elementor-widget elementor-widget-heading\" data-id=\"a0cb57a\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">05<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-a0f7acf\" data-id=\"a0f7acf\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-c40b057 elementor-vertical-align-top elementor-widget elementor-widget-image-box\" data-id=\"c40b057\" data-element_type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><div class=\"elementor-image-box-content\"><h4 class=\"elementor-image-box-title\">Staying on Track<\/h4><p class=\"elementor-image-box-description\">If you elect to continue working with us, we help to keep you on track with periodic reviews and provide regular educational information to help you upskill your financial knowledge. It\u2019s our mission to be an integral part of your financial journey throughout your lifetime.<\/p><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-bb29a85 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"bb29a85\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-6b5e46b\" data-id=\"6b5e46b\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-c27a4c2 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"c27a4c2\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-87ed2c5\" data-id=\"87ed2c5\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f36a3b6 elementor-widget elementor-widget-heading\" data-id=\"f36a3b6\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">But Isn\u2019t Kiwisaver All I Need?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7c1aebc elementor-widget elementor-widget-text-editor\" data-id=\"7c1aebc\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><a href=\"https:\/\/smartadviser.co.nz\/investments-kiwisaver\/\">Kiwisaver<\/a>\u00a0is a voluntary savings scheme that helps you put money aside for retirement. You choose a percentage of your salary to be deducted and saved with a Kiwisaver scheme provider. It is designed to help you save for your retirement (or to buy a first house). But if you haven\u2019t contributed enough for any number of reasons (e.g. you started late, contributed only the minimum, withdrew your savings to buy your first home or took time out from working to raise a family), you could find your Kiwisaver balance falls short of what you need.<\/p><p>This is why you can\u2019t rely on Kiwisaver alone and expect it to be enough.<\/p><p>We may be fans of the Kiwisaver scheme, but it should be considered as one of many tools in your retirement planning kit bag. It\u2019s also important that you invest in the right Kiwisaver scheme provider for you. Balancing the returns you need against the investment risk can be tricky and expert advice can help you get it right.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2720308 elementor-mobile-align-center elementor-invisible elementor-widget elementor-widget-button\" data-id=\"2720308\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;_animation_delay&quot;:400}\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm elementor-animation-shrink\" href=\"https:\/\/calendly.com\/samkodi\/zibmeeting?month=2023-07\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Book Your Finanical Planning Strategy Now! <\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-47cac5f\" data-id=\"47cac5f\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-3cafdffd elementor-hidden-desktop elementor-hidden-tablet elementor-hidden-mobile elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"3cafdffd\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-29513751\" data-id=\"29513751\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-117549b2 elementor-widget elementor-widget-image\" data-id=\"117549b2\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"800\" height=\"863\" src=\"https:\/\/smartadviser.co.nz\/2023\/wp-content\/uploads\/2025\/03\/fundjpg030-949x1024.jpg\" class=\"attachment-large size-large wp-image-223\" alt=\"\" srcset=\"https:\/\/smartadviser.co.nz\/2023\/wp-content\/uploads\/2025\/03\/fundjpg030-949x1024.jpg 949w, https:\/\/smartadviser.co.nz\/2023\/wp-content\/uploads\/2025\/03\/fundjpg030-278x300.jpg 278w, https:\/\/smartadviser.co.nz\/2023\/wp-content\/uploads\/2025\/03\/fundjpg030-768x829.jpg 768w, https:\/\/smartadviser.co.nz\/2023\/wp-content\/uploads\/2025\/03\/fundjpg030-1423x1536.jpg 1423w, https:\/\/smartadviser.co.nz\/2023\/wp-content\/uploads\/2025\/03\/fundjpg030.jpg 1500w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-2aabed14\" data-id=\"2aabed14\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7d99eb64 elementor-widget elementor-widget-elementskit-heading\" data-id=\"7d99eb64\" data-element_type=\"widget\" data-widget_type=\"elementskit-heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" ><div class=\"ekit-heading elementskit-section-title-wraper text_left   ekit_heading_tablet-   ekit_heading_mobile-\"><h2 class=\"ekit-heading--title elementskit-section-title \"> <span><span>Frequently<\/span><\/span>  Asked Questions<\/h2><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6a1ddddb elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"6a1ddddb\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-639bedcd elementor-invisible elementor-widget elementor-widget-elementskit-accordion\" data-id=\"639bedcd\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;,&quot;_animation_delay&quot;:400}\" data-widget_type=\"elementskit-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" >\n        <div class=\"elementskit-accordion accoedion-primary\" id=\"accordion-6a05eec3da6de\">\n\n            \n                <div class=\"elementskit-card active\">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-0-639bedcd\">\n                        <a href=\"#collapse-da96db06a05eec3da6de\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-da96db06a05eec3da6de\" aria-expanded=\"true\" aria-controls=\"Collapse-da96db06a05eec3da6de\">\n                            \n                            <span class=\"ekit-accordion-title\">What is the difference between a financial planner and financial adviser?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-left-arrows\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-da96db06a05eec3da6de\" class=\" show collapse\" aria-labelledby=\"primaryHeading-0-639bedcd\" data-parent=\"#accordion-6a05eec3da6de\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>While both roles have a place in your financial journey, there are key differences. A Financial Planner in NZ provides comprehensive planning and strategies across all aspects of your financial life. They typically help with long-term plans, retirement planning, and investment strategies. On the other hand, a Financial Adviser may specialize in a specific area like investment management, estate planning, or insurance.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-1-639bedcd\">\n                        <a href=\"#collapse-5f425e56a05eec3da6de\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-5f425e56a05eec3da6de\" aria-expanded=\"false\" aria-controls=\"Collapse-5f425e56a05eec3da6de\">\n                            \n                            <span class=\"ekit-accordion-title\">How does financial planning differ from mortgage advice?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-left-arrows\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-5f425e56a05eec3da6de\" class=\" collapse\" aria-labelledby=\"primaryHeading-1-639bedcd\" data-parent=\"#accordion-6a05eec3da6de\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>While both financial planning and mortgage advice can be part of a holistic approach to personal finance, they focus on different areas. Financial planning covers a broad spectrum of financial management aspects, including saving, investing, and retirement planning. Mortgage advice, on the other hand, focuses solely on providing guidance on choosing the right mortgage products, understanding mortgage terms, and strategies for mortgage repayment.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-2-639bedcd\">\n                        <a href=\"#collapse-d07d5ea6a05eec3da6de\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-d07d5ea6a05eec3da6de\" aria-expanded=\"false\" aria-controls=\"Collapse-d07d5ea6a05eec3da6de\">\n                            \n                            <span class=\"ekit-accordion-title\">What does a financial planner do?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-left-arrows\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-d07d5ea6a05eec3da6de\" class=\" collapse\" aria-labelledby=\"primaryHeading-2-639bedcd\" data-parent=\"#accordion-6a05eec3da6de\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>A financial planner, like the experts at Smart Adviser, provides advice on how to best manage your financial resources to meet your life goals. This can include guidance on savings, investments, taxes, and retirement planning. The planner helps you create a comprehensive strategy for managing your financial future.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-3-639bedcd\">\n                        <a href=\"#collapse-93bf6236a05eec3da6de\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-93bf6236a05eec3da6de\" aria-expanded=\"false\" aria-controls=\"Collapse-93bf6236a05eec3da6de\">\n                            \n                            <span class=\"ekit-accordion-title\">How is a financial planner different from a mortgage broker?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-left-arrows\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-93bf6236a05eec3da6de\" class=\" collapse\" aria-labelledby=\"primaryHeading-3-639bedcd\" data-parent=\"#accordion-6a05eec3da6de\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>A financial planner gives advice on managing your overall financial health, including investment strategies, retirement planning, and tax planning. A mortgage broker, on the other hand, specializes in helping individuals and businesses find and apply for the right mortgage to suit their needs. While both roles are important, they serve different functions in your financial journey.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-4-639bedcd\">\n                        <a href=\"#collapse-e2744fd6a05eec3da6de\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-e2744fd6a05eec3da6de\" aria-expanded=\"false\" aria-controls=\"Collapse-e2744fd6a05eec3da6de\">\n                            \n                            <span class=\"ekit-accordion-title\">Why should I consider financial planning?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-left-arrows\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-e2744fd6a05eec3da6de\" class=\" collapse\" aria-labelledby=\"primaryHeading-4-639bedcd\" data-parent=\"#accordion-6a05eec3da6de\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>Financial planning provides a roadmap for your financial future. It helps you understand how each financial decision you make affects other areas of your finances. By viewing each financial decision as part of a whole, you can consider its short and long-term effects on your life goals. Smart Adviser\u2019s financial planning services in NZ help you adapt more easily to life changes and feel more secure about your financial future.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-5-639bedcd\">\n                        <a href=\"#collapse-40de6e46a05eec3da6de\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-40de6e46a05eec3da6de\" aria-expanded=\"false\" aria-controls=\"Collapse-40de6e46a05eec3da6de\">\n                            \n                            <span class=\"ekit-accordion-title\">Is it worth investing in a Financial Planner in NZ?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-left-arrows\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-40de6e46a05eec3da6de\" class=\" collapse\" aria-labelledby=\"primaryHeading-5-639bedcd\" data-parent=\"#accordion-6a05eec3da6de\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>Absolutely! A trusted Financial Planner can provide invaluable assistance in mapping out your financial future, identifying opportunities, and helping you navigate complex financial situations. Their expertise can help you achieve your financial goals more efficiently and avoid costly mistakes.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-6-639bedcd\">\n                        <a href=\"#collapse-5b198ff6a05eec3da6de\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-5b198ff6a05eec3da6de\" aria-expanded=\"false\" aria-controls=\"Collapse-5b198ff6a05eec3da6de\">\n                            \n                            <span class=\"ekit-accordion-title\">How should I go about selecting a Financial Adviser in NZ?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-left-arrows\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-5b198ff6a05eec3da6de\" class=\" collapse\" aria-labelledby=\"primaryHeading-6-639bedcd\" data-parent=\"#accordion-6a05eec3da6de\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>Choosing a Financial Adviser in NZ involves considering several factors. Firstly, ensure they\u2019re registered with a recognised professional body for financial advisers. Look for advisers with a strong track record and positive client testimonials. Finally, make sure you feel comfortable with them, as a good adviser-client relationship is built on trust and open communication.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                                        <\/div>\n    <\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Home Retirement Planning Retirement Planning Planning For Your Retirement Retirement planning is pretty much the same as\u00a0Financial Planning, only this time the focus and goal is to ensure a comfortable retirement. What \u201ccomfortable\u201d means to you will be very different to others, which is why any article or claim that you need to have $X [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"pagelayer_contact_templates":[],"_pagelayer_content":"","footnotes":""},"class_list":["post-429","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/smartadviser.co.nz\/2023\/wp-json\/wp\/v2\/pages\/429","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/smartadviser.co.nz\/2023\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/smartadviser.co.nz\/2023\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/smartadviser.co.nz\/2023\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/smartadviser.co.nz\/2023\/wp-json\/wp\/v2\/comments?post=429"}],"version-history":[{"count":31,"href":"https:\/\/smartadviser.co.nz\/2023\/wp-json\/wp\/v2\/pages\/429\/revisions"}],"predecessor-version":[{"id":1326,"href":"https:\/\/smartadviser.co.nz\/2023\/wp-json\/wp\/v2\/pages\/429\/revisions\/1326"}],"wp:attachment":[{"href":"https:\/\/smartadviser.co.nz\/2023\/wp-json\/wp\/v2\/media?parent=429"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}