Smart Adviser

Income Protection Insurance – What is it? (and do I need it?)

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Home Blog What Should I Invest In? NZ Advice for Kiwis July 08 2025 One contributor Do You Need Income Protection Insurance? Yes (But Also Maybe Not) Your ability to earn money is your biggest asset. What happens if you lose that ability? How long can you last without income? In the last five years, […]

How You Can Plan for The Great Wealth Transfer

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Home Blog What Should I Invest In? NZ Advice for Kiwis July 08 2025 One contributor Everyone in New Zealand is going to be affected by the Great Wealth Transfer. What is it, and what do you need to do to prepare for it? Boomers (born between 1946 and 1964) are 23% of NZ’s population, […]

How to Leave a Financial Legacy That Lasts

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Home Blog What Should I Invest In? NZ Advice for Kiwis July 08 2025 One contributor 70% of financial legacies are lost by the second generation. Can you ensure a lasting financial legacy? (Spoiler alert: Yes you can). It’s easy to lose money. There’s the lifestyle creep, there’s unexpected expenses, children who need ‘loans’, inflation, scams, and life […]

Is Your Superpower Spending Less? You Could Save NZ’s Economy

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Home Blog What Should I Invest In? NZ Advice for Kiwis July 08 2025 One contributor It’s very financial doom-and-gloom at present. But you can make a positive difference for yourself, and NZ. In November 2022, the NZ Reserve Bank hiked up the official cash rate (OCR) 75 points to 4.25%, and predicted a peak […]

What Type of Financial Help Do You Need? An Adviser, Budgeter, or Coach?

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Home Blog What Should I Invest In? NZ Advice for Kiwis July 08 2025 One contributor Want some help sorting out your money situation? Different professionals help with different financial needs. Your financial situation changes throughout your life. As you set up your life and dig your way out of the credit card debt you […]

What Should I Invest In? NZ Advice for Kiwis

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Home Blog What Should I Invest In? NZ Advice for Kiwis July 08 2025 One contributor It’s time to invest in your future. This means putting your money to work. But which investment is the best type? We are regularly asked ‘what should I invest in?’. The answer isn’t straightforward because everyone is different. There […]

Feeling Triggered? What Causes Emotional Spending (and How to Break the Habit)

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Home Blog Feeling Triggered? What Causes Emotional Spending (and How to Break the Habit) July 04 2025 One contributor Ever splashed out on a new pair of shoes when you’re feeling a bit sad? Your emotional spending could be stopping you from achieving your financial goals. There’s nothing better than buying something new to make […]

How to Reach Your Financial Goals (by Setting & Forgetting Them)

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Home Blog How to Reach Your Financial Goals (by Setting & Forgetting Them) July 02 2025 One contributor Don’t focus on your goals, focus on systems instead. You might get better results, and be happier along the way. Everyone who has ever gone to the Olympics wanted to win. They worked their entire lives, focussed […]

Selecting The Kiwisaver Fund That’s Right For You

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Home Blog Selecting The Kiwisaver Fund That’s Right For You July 28 2025 One contributor Savings have a direct impact on your retirement quality of life and future plans. How can KiwiSaver accelerate your savings? Almost two thirds of New Zealanders have a Kiwisaver account which are collectively worth over $104 billion. Given that New […]