We'll create a financial plan

That Will Get You Results

Financial Planning

Financial planning is about balancing risk and return to meet an explicit objective, such as retirement on a desired level of income. The concept is simple but the execution is anything but.

The reason is that one person’s acceptable risk is another person’s no-go area. Finding out where you sit on this spectrum is a huge part of our work.

Financial planning that serves your long-term objectives

While most of us have ideas of what we’d like our future to look like, sometimes these visions rest on shaky assumptions. Do you have a realistic idea of the income that can be achieved from a lump sum over 15, 20 or 25 years? What level of growth can realistically be expected from a portfolio, and how do you factor in market cycles and your own life stages? These are just a few of the factors that need to be explored (and explained).

At Collaborative Consulting we will take the time to understand your goal and discuss how the right mix of investments can help you get there. And we do this with a high degree of statistical certainty.

01.

Budgeting

Watching the dollars and cents come in and out

02.

Debt

Ensuring this is structured at an optimised level between investment and personal

03.

Estate planning

Wills, Enduring Powers of Attorney, Trusts and Company structures

04.

Tax

Assets, investments and income are positioned to mitigate tax

05.

Insurance

A useful contingency plan when the going gets tough for you and your family

06.

Be disciplined

Stick to your budgets, don’t dip into your savings unless absolutely vital.

Mathematical modelling and advanced tools help ensure certainty

Simulation is your secret weapon. We use a range of analytical and predictive tools to model the outcomes of a hypothetical investment strategy tailored to your personal requirements. One such tool is the Monte Carlo Simulator.

The name may allude to a casino but its purpose is to remove as much uncertainty as possible. It’s a technique developed by investment academics to understand the impact of risk and uncertainty in forecasting models.

Our clients have a certain amount of money and want to achieve a given level of income from a given level of risk. By running simulations, we can establish the statistical likelihood of achieving the outcome they need. If the results indicate a low success rate, we then discuss options to achieve a higher level of certainty.

A financial plan in writing, with everything made clear

We will put together a bespoke plan in one comprehensive document, containing your investment strategy plus the mix of investments to achieve it. You will know where you’re going and how to get there, with a high degree of certainty engineered into the process. But it doesn’t end there.

Every year, we will check in with you, run the numbers again and ask what has changed in your life. If necessary, your strategy can then be adjusted to keep you on target.

Interested in our Services?

OUR CONTACT


  • PO Box 106321, Auckland 1143
  • 0800 225 665 (WITHIN NZ)
  • +64 9 4441963 (International)

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A disclosure statement relating to the advisers associated with this website is available on request and free of charge.

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