Achieve your best financial life With Top NZs Top Financial Planners
Financial planning involves understanding your current financial situation, determining your desired future state, and creating a plan to reach your goals; like a personal road map.
Unlike budget advice services or brokers, Smart Advisors team of financial planners look at every aspect of your financial life and provide 100% independent unbiased advice, so you can then take the next steps to achieving your financial goals
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Download ‘Dare to Dream’ Financial Planning Guide
Dive deep into financial planning with the leading financial planners in NZ and discover the six essential elements everyone needs to know for life-long financial success.
Our Process: How We Set You Up To Live Your Best Financial Life
When you get back to basic principles, achieving your goals shouldn’t be complicated. Our aim is to make everything we do easy to understand and apply.
Our financial planning team has devised a five-step plan to take control of your finances.
01
Where Are You Going?
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.
02
What is your starting point?
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’s impossible to create and follow a roadmap without first knowing what your starting point is.
03
Plotting Your Course
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’s little detours – but you’ll always understand the big picture and what needs to be done.
04
Making it happen
At 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 ‘the do’ for you. The choice is yours.
05
Staying on Track
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’s our mission to be an integral part of your financial journey throughout your lifetime.
Frequently Asked Questions
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.
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.
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.
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.
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’s financial planning services in NZ help you adapt more easily to life changes and feel more secure about your financial future.
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.
Choosing a Financial Adviser in NZ involves considering several factors. Firstly, ensure they’re 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.
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