Blog

Whatever your situation, this is why now is the time to talk to a financial advisor

Finance
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3.2.21
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Become.nz Editor

If you don’t have a great deal of experience with finances, or you don’t have the time, it may be useful to get some professional financial advice.

Our team can help you with things like; buying a home, setting budgets and achieving financial goals, alleviating debt, accounting, setting up an investment portfolio, and putting a plan in place to retire comfortably. 

It’s free to chat, and every year makes a huge difference to your long-term finances which is why it’s better to start sooner than later. 

Our advisors look across a multitude of options and offer independent advice, navigating the world of finances can be time-consuming and overwhelming, but our team are specialists in this field. 

 Everybody thinks it’s not the right time yet, either they don’t have kids yet, or they do have kids and they want to wait until they are older, or they think they are not yet wealthy enough.

Everyone at any stage of life and salary thinks it should be tomorrow, but here’s why it should be today. 

 

Don’t have kids yet? 

Here’s why you should talk to an advisor today: 

Have you heard the saying:

 “The best time to buy property was today, the second-best time was yesterday?” 

This same saying is true to making a start on getting your finances in order and planning your retirement. 

Get the most out of your savings and maximise compound interest by starting early. 

This way, when you do have children, you’ll know that you’re in the very best position to give them the lifestyle that they deserve. 

 

Just had kids? 

Here’s why you should talk to an advisor today: 

Having your children will be the very best thing that happens in your life, and we understand when they are first born things are chaotic. 

You're elated, but you’re also adjusting to having this new responsibility… You don’t have time to think about financial planning… But that’s just it, you don’t have time...So why not let us do the thinking. 

Once you have children, getting your finances in order becomes more important than ever. Talking to one of our team is quick, free, and worth it for you in the long run.

Only one of you is currently working, the other looks after the kids?

Here’s why you should talk to a financial advisor today:

We get it, when only one parent is working, things can become tight. But that’s why managing finances can be even more important than ever!

Meeting with one of our advisers doesn’t cost you anything. It’s quick and can be done over the phone, and there is no obligation to take the advice they offer. If money is tight, or you are unsure about any financial decisions, having a discussion with one of our team can help ensure that you are on the right track. 

Only just bought your first house? 

Here’s why you should talk to a financial advisor today

Buying your first home is the New Zealand dream, but what about all the expenses that come with it?

Suddenly you find yourself with a mortgage, rates, and insurance to pay.

That’s why this is the perfect time to meet with an advisor. They offer independent advice and can ensure that you are on the very best mortgage rate, and then put you on the right track to securing a second home…Perhaps the holiday home in Wanaka you’ve always dreamed of.

 Meeting with one of our advisers doesn’t cost you anything. It’s quick and can be done over the phone, and there is no obligation to take the advice they offer.

Our team of brokers can negotiate on your behalf, secure the best mortgage rates, and help you put a loan application together, they can even provide alternative solutions for when a bank says no.

Paying down multiple mortgages? 

Here’s why you should talk to a financial advisor today.

Juggling multiple mortgages can be stressful, our brokers know the interest rates and application criteria for different lenders, they can negotiate on your behalf to make sure each of your properties is in the very best position. 

Our financial advisers will look through all of the available information from banks, insurance, and KiwiSaver providers, and are able to recommend the best option for your situation based on that.

Now is the time to start thinking about your financial plan. 

 Our team could help you: 

 

  • Find you better interest rates on any debt 
  • Put a savings and retirement plan in place 
  • Create an all-of-life financial plan 
  • Take the stress out of investing 
  • Help you buy your first property 
  • Make sure your existing property is on the best mortgage rate
  • Create a plan that helps you pay down the mortgages faster
  • Find new opportunities to help you use your equity
  • Create a compounding savings account for your child's future education 
  • Help you build a diversified investment portfolio