{"id":1186,"date":"2025-06-26T14:44:09","date_gmt":"2025-06-26T14:44:09","guid":{"rendered":"https:\/\/smartadviser.co.nz\/2023\/?p=1186"},"modified":"2025-06-26T15:17:39","modified_gmt":"2025-06-26T15:17:39","slug":"retirement-close-but-havent-started-saving-dont-panic-yet","status":"publish","type":"post","link":"https:\/\/smartadviser.co.nz\/2023\/retirement-close-but-havent-started-saving-dont-panic-yet\/","title":{"rendered":"Retirement Close but Haven\u2019t Started Saving? Don\u2019t Panic. Yet."},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"1186\" class=\"elementor elementor-1186\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-3e0b48b1 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"3e0b48b1\" 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-4d8a26f3\" data-id=\"4d8a26f3\" 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-2fd68be3 elementor-icon-list--layout-inline elementor-mobile-align-center elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"2fd68be3\" 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\">Blog<\/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-50538ca4 elementor-widget elementor-widget-heading\" data-id=\"50538ca4\" 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 Close but Haven\u2019t Started Saving? Don\u2019t Panic. Yet.<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7c3dcac4 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"7c3dcac4\" 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-6dc2f46f elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6dc2f46f\" 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-2f5ce476\" data-id=\"2f5ce476\" 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-3a0878f elementor-icon-list--layout-inline elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"3a0878f\" 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<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-calendar-alt\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M0 464c0 26.5 21.5 48 48 48h352c26.5 0 48-21.5 48-48V192H0v272zm320-196c0-6.6 5.4-12 12-12h40c6.6 0 12 5.4 12 12v40c0 6.6-5.4 12-12 12h-40c-6.6 0-12-5.4-12-12v-40zm0 128c0-6.6 5.4-12 12-12h40c6.6 0 12 5.4 12 12v40c0 6.6-5.4 12-12 12h-40c-6.6 0-12-5.4-12-12v-40zM192 268c0-6.6 5.4-12 12-12h40c6.6 0 12 5.4 12 12v40c0 6.6-5.4 12-12 12h-40c-6.6 0-12-5.4-12-12v-40zm0 128c0-6.6 5.4-12 12-12h40c6.6 0 12 5.4 12 12v40c0 6.6-5.4 12-12 12h-40c-6.6 0-12-5.4-12-12v-40zM64 268c0-6.6 5.4-12 12-12h40c6.6 0 12 5.4 12 12v40c0 6.6-5.4 12-12 12H76c-6.6 0-12-5.4-12-12v-40zm0 128c0-6.6 5.4-12 12-12h40c6.6 0 12 5.4 12 12v40c0 6.6-5.4 12-12 12H76c-6.6 0-12-5.4-12-12v-40zM400 64h-48V16c0-8.8-7.2-16-16-16h-32c-8.8 0-16 7.2-16 16v48H160V16c0-8.8-7.2-16-16-16h-32c-8.8 0-16 7.2-16 16v48H48C21.5 64 0 85.5 0 112v48h448v-48c0-26.5-21.5-48-48-48z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">June 20, 2022<\/span>\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<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"icon icon-user\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">One contributor<\/span>\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-1f4a3056 elementor-widget elementor-widget-image\" data-id=\"1f4a3056\" 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=\"800\" height=\"534\" src=\"https:\/\/smartadviser.co.nz\/2023\/wp-content\/uploads\/2025\/06\/pexels-rdne-8124185-scaled-1-1024x683.jpg\" class=\"attachment-large size-large wp-image-1188\" alt=\"\" srcset=\"https:\/\/smartadviser.co.nz\/2023\/wp-content\/uploads\/2025\/06\/pexels-rdne-8124185-scaled-1-1024x683.jpg 1024w, https:\/\/smartadviser.co.nz\/2023\/wp-content\/uploads\/2025\/06\/pexels-rdne-8124185-scaled-1-300x200.jpg 300w, https:\/\/smartadviser.co.nz\/2023\/wp-content\/uploads\/2025\/06\/pexels-rdne-8124185-scaled-1-768x512.jpg 768w, https:\/\/smartadviser.co.nz\/2023\/wp-content\/uploads\/2025\/06\/pexels-rdne-8124185-scaled-1-1536x1024.jpg 1536w, https:\/\/smartadviser.co.nz\/2023\/wp-content\/uploads\/2025\/06\/pexels-rdne-8124185-scaled-1-2048x1366.jpg 2048w\" 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<div class=\"elementor-element elementor-element-3f7b7aa8 elementor-widget elementor-widget-text-editor\" data-id=\"3f7b7aa8\" 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<h3><strong>You\u2019ve had a busy 30+ years of raising kids and working hard, but haven\u2019t made retirement savings a priority. Is it time to panic?<\/strong><\/h3><p>You\u2019re celebrating your 55<sup>th<\/sup>\u00a0birthday when someone jokes about retiring in ten years. You laugh, but you feel uncomfortably nervous knowing you have hardly anything in savings. Maybe you\u2019re a sensible and hard-working ant, but the kids only just left home, they all wanted money for house deposits or education, and you had your financial welfare on hold. Maybe you\u2019re a carefree grasshopper, and have been financially irresponsible and prioritised fun in the moment.<\/p><p>Regardless, now you don\u2019t know how you can catch up and retiring looks like a luxury you can\u2019t afford.<\/p><p>Time feels like it\u2019s running out, and fast.<\/p><p>You\u2019re not alone though, with\u00a0<a href=\"https:\/\/assets.retirement.govt.nz\/public\/Uploads\/Research\/Te-Ara-Ahunga-Ora-Retirement-Commission-Money-Matters-report-2024.pdf\">51% of the NZ population not actively saving for retirement<\/a>. And more worryingly,\u00a0<a href=\"https:\/\/blog.fsc.org.nz\/media-release-research-report-4-september-2024\">one in five retirees says they have less than a year\u2019s worth of retirement savings<\/a>\u00a0that maintains their current lifestyle.<\/p><p>If you\u2019re not in the best scenario, you can take steps to improve your financial situation in retirement. Take control and start your retirement savings today.<\/p><h2>1. Eliminate Debt<\/h2><p>Debt is costing you money. Getting rid of debt as quickly as possible is key to financial security in the future. This is because the interest payments are costing you money that you should be saving. If you retire with debt, how will you pay it off? That interest and repayments will eat into your superannuation each week.<\/p><p>There are two methods to pay off debt; the avalanche and the snowball.<\/p><p>The snowball method, you list all your debt from smallest to largest. You pay the minimum repayment on all of them except the smallest debt. For the smallest amount, you put as much money towards it as you can. Once that\u2019s paid off, start the next smallest debt. This method is great because it gives you psychological wins that reinforce your debt-reduction plan.<\/p><p>The avalanche is when you list the debts with the highest interest rate amount first. You pay the minimum on everything, but put as much as possible on the high interest debt (such as a credit card). Psychologically, this isn\u2019t as rewarding as the snowball method, but the total interest paid may be significantly less.<\/p><p>Whichever method you choose, pay off debt as quickly as possible.<\/p><h2>2. Create a Budget and Stick to It<\/h2><p>Here at Smart Adviser, we normally advise\u00a0<a href=\"https:\/\/smartadviser.co.nz\/if-i-knew-where-my-money-went-maybe-i-could-invest\/\">creating budgets that have freedom<\/a>\u00a0and room to have fun. But at this stage, you may need to aggressively decrease your expenses and really tighten your belt.<\/p><p>Find all your income sources and identify every single expense. Utilities, mortgage\/ rent, fuel, everything. Determine what is a \u2018need\u2019 and what is \u2018nice to haves\u2019 or \u2018wants\u2019. Your goal is to trim those expenses. Do you need all those streaming services? Are you on the best internet plan? Do you need to look at your insurance and holistically make a better plan?<\/p><p>A good start is by having a \u2018no-spend\u2019 month where you don\u2019t pay for anything except the essentials. You\u2019ll see which expenses are needed and which ones you can do without.<\/p><h2>3. Increase Contributions to KiwiSaver<\/h2><p>You should be contributing to KiwiSaver already, at least 3%. This gets your employer and government contributions so you\u2019re ensuring others add to your savings too. But now, look beyond the 3%. The hard truth is that you\u2019ve proved you can\u2019t save for yourself, so slide your contributions up to 8% \u00a0or 10% (the maximum) and put your money away safely with KiwiSaver before it even gets to your bank account.<\/p><h2>4. Save, Save, Save<\/h2><p>All that money you\u2019re saving from your aggressive cost cutting can be funnelled straight into savings. Consider this paying yourself first. This is an investment in your future; don\u2019t skimp now, no-one has ever regretted saving money.<\/p><p>Consider a low risk conservative investment fund, as the returns should be higher than a bank account. It also puts the money a little bit further out of your reach, which can be helpful in keeping it locked away until you need it in ten years\u2019 time.<\/p><h2>5. Increase Your Current Income<\/h2><p>Side hustles or passive income streams can help complement your income. Do it right, and it will keep supporting you long into retirement too. Can you join the gig economy and work as a contractor as a writer, designer, or some other skill you have? Can you monetise a hobby, use your experience to start consulting, or invest in real estate? The options are endless but you have to find the way that works best for you.<\/p><h2>6. Create a Plan With a Professional Financial Adviser<\/h2><p>This is going to be hard work. There\u2019s no other way to do it; you need to save, and fast. Find a great financial adviser who can help you cut costs, relentlessly pay off your debts, and find some ways to increase your income.<\/p><p>The longer you put this off, the less time you have for assets to grow and interest to add to your savings. Contact us today at Smart Adviser. We can help you structure a plan, kick-start your retirement savings, and help keep that panicky feeling at bay.<\/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-558d8036 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"558d8036\" 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<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-6ef19787\" data-id=\"6ef19787\" data-element_type=\"column\">\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-74b06a5a elementor-hidden-desktop elementor-hidden-tablet elementor-hidden-mobile elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"74b06a5a\" 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-inner-column elementor-element elementor-element-5c140a7d\" data-id=\"5c140a7d\" 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<div class=\"elementor-element elementor-element-25ec5b76 elementor-widget elementor-widget-heading\" data-id=\"25ec5b76\" 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\">Request an Appointment<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-494a006e elementor-align-center elementor-widget elementor-widget-button\" data-id=\"494a006e\" data-element_type=\"widget\" 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\">appointment<\/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<div class=\"elementor-element elementor-element-1751100d elementor-widget elementor-widget-spacer\" data-id=\"1751100d\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\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-inner-section elementor-element elementor-element-1ab63fef elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1ab63fef\" 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-inner-column elementor-element elementor-element-75799c69\" data-id=\"75799c69\" 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-4130467 elementor-widget elementor-widget-heading\" data-id=\"4130467\" 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\">Popular Post<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-288525a3 elementor-widget elementor-widget-elementskit-post-list\" data-id=\"288525a3\" data-element_type=\"widget\" data-widget_type=\"elementskit-post-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" >\t\t<ul class=\"elementor-icon-list-items ekit-post-list-wrapper \">\n\t\t\t\t\t\t<li class=\"elementor-icon-list-item   \">\n\t\t\t\t<a href=\"https:\/\/smartadviser.co.nz\/2023\/cutting-back-on-expenses-dont-muck-around-with-your-insurance\/\" >\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-circle\"><\/i>\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"ekit_post_list_content_wraper\">\n\t\t\t\t\t\t\n\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Cutting Back on Expenses? Don\u2019t Muck Around with Your Insurance<\/span>\n\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/a>\n\t\t\t<\/li>\n\t\t\t\t\t<li class=\"elementor-icon-list-item   \">\n\t\t\t\t<a href=\"https:\/\/smartadviser.co.nz\/2023\/selecting-the-kiwisaver-fund-thats-right-for-you\/\" >\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-circle\"><\/i>\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"ekit_post_list_content_wraper\">\n\t\t\t\t\t\t\n\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Selecting The Kiwisaver Fund That\u2019s Right For You<\/span>\n\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/a>\n\t\t\t<\/li>\n\t\t\t\t\t<li class=\"elementor-icon-list-item   \">\n\t\t\t\t<a href=\"https:\/\/smartadviser.co.nz\/2023\/so-you-want-to-be-a-millionaire-you-can\/\" >\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-circle\"><\/i>\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"ekit_post_list_content_wraper\">\n\t\t\t\t\t\t\n\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">So You Want to Be a Millionaire? You Can!<\/span>\n\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/a>\n\t\t\t<\/li>\n\t\t\t\t\t<li class=\"elementor-icon-list-item   \">\n\t\t\t\t<a href=\"https:\/\/smartadviser.co.nz\/2023\/retirement-close-but-havent-started-saving-dont-panic-yet\/\" >\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-circle\"><\/i>\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"ekit_post_list_content_wraper\">\n\t\t\t\t\t\t\n\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Retirement Close but Haven\u2019t Started Saving? Don\u2019t Panic. Yet.<\/span>\n\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/a>\n\t\t\t<\/li>\n\t\t\t\t\t<li class=\"elementor-icon-list-item   \">\n\t\t\t\t<a href=\"https:\/\/smartadviser.co.nz\/2023\/im-young-no-need-for-retirement-planning-think-again\/\" >\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-circle\"><\/i>\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"ekit_post_list_content_wraper\">\n\t\t\t\t\t\t\n\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">I\u2019m Young, No need for Retirement Planning.\u201d Think Again!<\/span>\n\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/a>\n\t\t\t<\/li>\n\t\t\t\t<\/ul>\n\t\t<\/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-3299567c elementor-hidden-desktop elementor-hidden-tablet elementor-hidden-mobile elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"3299567c\" 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-inner-column elementor-element elementor-element-29511fc0\" data-id=\"29511fc0\" 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-576aea1a elementor-widget elementor-widget-heading\" data-id=\"576aea1a\" 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\">Meet Our Team<\/h2>\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-18c51965 elementor-hidden-desktop elementor-hidden-tablet elementor-hidden-mobile elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"18c51965\" 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-2ca0f796\" data-id=\"2ca0f796\" 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-67b7e34f elementor-widget elementor-widget-image\" data-id=\"67b7e34f\" 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=\"450\" height=\"451\" src=\"https:\/\/smartadviser.co.nz\/2023\/wp-content\/uploads\/2025\/03\/Team-01.jpg\" class=\"attachment-large size-large wp-image-67\" alt=\"\" srcset=\"https:\/\/smartadviser.co.nz\/2023\/wp-content\/uploads\/2025\/03\/Team-01.jpg 450w, https:\/\/smartadviser.co.nz\/2023\/wp-content\/uploads\/2025\/03\/Team-01-300x300.jpg 300w, https:\/\/smartadviser.co.nz\/2023\/wp-content\/uploads\/2025\/03\/Team-01-150x150.jpg 150w\" sizes=\"(max-width: 450px) 100vw, 450px\" \/>\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<div class=\"elementor-element elementor-element-5fcd6d97 elementor-view-stacked elementor-shape-circle elementor-widget elementor-widget-icon\" data-id=\"5fcd6d97\" data-element_type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t<\/div>\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<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-2e973fc3\" data-id=\"2e973fc3\" 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-3cdff578 elementor-vertical-align-top elementor-widget elementor-widget-image-box\" data-id=\"3cdff578\" 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\"><a href=\"#\">Tom Markowitz, PhD<\/a><\/h4><p class=\"elementor-image-box-description\">Dental specialist<\/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-5f85ae60 elementor-hidden-desktop elementor-hidden-tablet elementor-hidden-mobile elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5f85ae60\" 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-51f1c275\" data-id=\"51f1c275\" 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-6a993e71 elementor-widget elementor-widget-image\" data-id=\"6a993e71\" 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=\"451\" height=\"451\" src=\"https:\/\/smartadviser.co.nz\/2023\/wp-content\/uploads\/2025\/03\/Team-03.jpg\" class=\"attachment-large size-large wp-image-69\" alt=\"\" srcset=\"https:\/\/smartadviser.co.nz\/2023\/wp-content\/uploads\/2025\/03\/Team-03.jpg 451w, https:\/\/smartadviser.co.nz\/2023\/wp-content\/uploads\/2025\/03\/Team-03-300x300.jpg 300w, https:\/\/smartadviser.co.nz\/2023\/wp-content\/uploads\/2025\/03\/Team-03-150x150.jpg 150w\" sizes=\"(max-width: 451px) 100vw, 451px\" \/>\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<div class=\"elementor-element elementor-element-685a1832 elementor-view-stacked elementor-shape-circle elementor-widget elementor-widget-icon\" data-id=\"685a1832\" data-element_type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t<\/div>\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<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-41e5cadc\" data-id=\"41e5cadc\" 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-fbc7c5e elementor-vertical-align-top elementor-widget elementor-widget-image-box\" data-id=\"fbc7c5e\" 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\"><a href=\"#\">John Goines<\/a><\/h4><p class=\"elementor-image-box-description\">Chief Executive<\/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<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Home Blog Retirement Close but Haven\u2019t Started Saving? Don\u2019t Panic. Yet. June 20, 2022 One contributor You\u2019ve had a busy 30+ years of raising kids and working hard, but haven\u2019t made retirement savings a priority. Is it time to panic? You\u2019re celebrating your 55th\u00a0birthday when someone jokes about retiring in ten years. You laugh, but [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":1188,"comment_status":"open","ping_status":"open","sticky":false,"template":"elementor_header_footer","format":"standard","meta":{"pagelayer_contact_templates":[],"_pagelayer_content":"","footnotes":""},"categories":[1],"tags":[],"class_list":["post-1186","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized"],"_links":{"self":[{"href":"https:\/\/smartadviser.co.nz\/2023\/wp-json\/wp\/v2\/posts\/1186","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/smartadviser.co.nz\/2023\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/smartadviser.co.nz\/2023\/wp-json\/wp\/v2\/types\/post"}],"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=1186"}],"version-history":[{"count":7,"href":"https:\/\/smartadviser.co.nz\/2023\/wp-json\/wp\/v2\/posts\/1186\/revisions"}],"predecessor-version":[{"id":1195,"href":"https:\/\/smartadviser.co.nz\/2023\/wp-json\/wp\/v2\/posts\/1186\/revisions\/1195"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/smartadviser.co.nz\/2023\/wp-json\/wp\/v2\/media\/1188"}],"wp:attachment":[{"href":"https:\/\/smartadviser.co.nz\/2023\/wp-json\/wp\/v2\/media?parent=1186"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/smartadviser.co.nz\/2023\/wp-json\/wp\/v2\/categories?post=1186"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/smartadviser.co.nz\/2023\/wp-json\/wp\/v2\/tags?post=1186"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}