Services

Investment Planning

life&co’s philosophy is all about collaboration. We believe that the building of an investment plan should have as much of our client’s input as possible. This collaborative approach ensures two things – that they know what they’re invested in, but most importantly, why they’re invested in it.

This is a boutique firm that ensures you are kept in the loop. Together, we’ll sit down on a regular basis to ensure that the portfolio continues meeting your desired needs.

Working alongside a selection of some of New Zealand’s leading investment managers means that our clients’ funds are provided with the level of diversity, and exposure, to an array of markets that an individual investor may not be able to otherwise achieve on their own. And with an ethos to provide “best of breed”, life&co will regularly compare managers’ performances to that of their peers.

Other factors,

life&co has access to socially responsible solutions
life&co is not just limited to active or passive investment solutions – we can offer both
life&co has access to award-winning KiwiSaver providers

When might you consider life&co’s investment planning services?

If you’re nearing retirement
You’ve received an inheritance
You’re just about to become debt-free
If you simply wish to diversify your nest egg

Insurance Planning

Insurance planning is all about protecting what matters most to you, by providing the necessary funds to you and your family in a timely manner. At life&co, we’ll work with you to implement an affordable and well-balanced plan that meets your unique needs. Most importantly, you will understand what you’re insured for, and why.

With an understanding of other entitlements such as ACC, Work and Income and New Zealand Superannuation, you can rest assured that you’ll receive a plan that demonstrates value for money.

As life is dynamic, we’ll revisit this plan on a regular basis to ensure it continues being suitable to your needs.

When might you consider discussing insurance?

If you want certainty for your family if a significant injury or illness reduces or removes your ability to earn
A major change in your life –

  • purchase of a major asset such as a home, rental property or a business
  • marriage or divorce, or a new relationship
  • first or subsequent children
  • a change of career or a change in income
  • entering the workforce for the first time

life&co have relationships with some of New Zealand’s largest and proven insurers, meaning that your claims experience should be a seamless experience at a testing time.

Insurance companies pay life&co to provide you with objective advice, that is presented in a professional and efficient manner. There is no cost to you.

Financial Planning

The principles of financial planning are for the client to understand

1. Where am I right now?

The best advice requires the client to disclose as much of their current financial situation as possible. This will normally include understanding what the client owns and owes, as well as what the client earns and spends. Other information such as family structure and estate planning are very important.

2. Where do I want to be?

This is the most important part of the conversation and a very good adviser will spend a lot of time on this with their clients, very clearly defining what their financial ambitions are in life.

Clearly defining their clients’ ambitions with a very simple ‘SMART’ method is what most competent advisers use.

A client may say that they wish to pay off their mortgage “as soon as possible”. But what if that same client gained an understanding that their loan could in fact be repaid within 12 years’? At which stage those funds that were going against the loan were re-directed towards retirement savings in order to provide that client with $50,000 per year in retirement for 25 years. This specific goal-setting tends to be more motivating for clients as they gain an idea as to how their financial future can look.

3. Why do I receive written advice?

A lot of information can be covered off, so it is important for a client to have a document that they can take the time to read and digest the information discussed. This document should outline any recommendations based on the scope of advice that the client wished to discuss. It should also include any risks associated with achieving those financial ambitions.

4. From there, we’ll build that relationship into the future

Quite simple really; life is dynamic! What is discussed today may no longer be relevant in your world tomorrow.

This is why it is important for a client to have an adviser who the client feels works with you; not only today, but for years to come. Sitting down every year or so with an adviser ensures that the adviser remains in the loop on any changes in the client’s life, and that any material changes are addressed as early as possible.

5. How does all of this help me?

Did you know that only 5% of New Zealanders are typically prepared for retirement? By engaging with someone who cares about your future wellbeing ensures that you will break that statistic, and the chances are that you’ll be better off in the future.

Contact Us

Your interest is always at the forefront. Call us at 021 760 698 or leave us a message and book your first financial planning session for free.