Executive Professionals
Tailored financial advice for executives navigating complex remuneration packages, significant income and the unique financial planning challenges that come with senior leadership.
Executives earn well but often have less control over their financial planning than they should
Senior professionals face a specific set of financial challenges. Complex remuneration structures, equity and share schemes, high tax obligations and the demands of a senior career often mean that personal financial planning gets neglected. We help executives take control of their financial life and build a strategy that keeps pace with their income and their goals.
By Collaborative Consulting
Many of our executive clients come to us having earned well for years but without a clear financial plan to show for it. Income has been high but it has not been structured, invested or protected as effectively as it could have been.
We provide a straightforward, comprehensive advisory service that addresses the specific complexity of executive financial planning, from salary packaging and equity management to retirement planning and estate structuring.
Our services for executive professionals
We provide specialist financial advice for executives across every dimension of their personal financial life.
A whole-of-life advisory relationship with direct access to a senior adviser who understands the complexity of executive remuneration and personal wealth.
A comprehensive financial plan that integrates your salary, equity, KiwiSaver and investment portfolio into one coherent strategy aligned to your goals.
Protect your income, your health and your family with cover that reflects your actual financial obligations, not a generic off-the-shelf policy.
Why Choose Collaborative Consulting
Financial advice that understands the complexity of executive life
We take the time to understand not just your income but your full financial picture. Your equity, your KiwiSaver, your mortgage, your insurance and your long-term goals all need to work together. We make sure they do, with a plan that is reviewed regularly and updated as your career and circumstances evolve.
Remuneration structure and tax efficiency
We help you understand the tax implications of your salary, bonus, equity and other remuneration components and structure them as efficiently as possible in the context of your overall financial plan.
Equity and share scheme management
Share schemes and equity grants are valuable but complex. We help you understand the timing, tax treatment and investment implications of your equity and make decisions that align with your broader financial strategy.
Investment and retirement planning
High income does not automatically mean financial security in retirement. We build an investment and retirement plan that converts your earning years into lasting wealth.
Insurance cover that reflects your income
Your income is your most valuable financial asset. We make sure your income protection, life cover and other personal insurance accurately reflects your financial obligations and the standard of living you want to protect.
Helping executives build lasting wealth from a high-income career
Years of experience helping New Zealand professionals manage complex financial situations and build long-term wealth.
High income creates opportunity. But without a clear strategy, it also creates complexity, tax exposure and missed potential. We help executive professionals convert strong earning years into genuine long-term financial security.
Frequently Asked Questions
Have a question about financial planning for executives? We are happy to discuss your situation.
How is financial planning different for executives?
Executive financial planning is more complex than standard personal advice. It involves navigating salary packaging, bonus structures, equity and share schemes, high marginal tax rates and the need to build personal wealth that is not entirely dependent on continued employment at a senior level. We have extensive experience with these specific challenges and can provide advice that addresses them properly, rather than applying a generic financial planning framework that was not designed for this level of complexity.
How should I manage equity and share options in my remuneration package?
Equity and share options can be one of the most valuable parts of an executive remuneration package, but they require careful management. The timing of when you exercise options, the concentration risk of holding significant employer shares and the tax implications of different equity structures all need to be considered carefully. We help you build a strategy for your equity that integrates with your broader financial plan and does not expose you to unnecessary risk or tax.
How can I make sure my financial plan keeps up with my career progression?
Your financial needs change significantly as your career progresses. A financial plan built when you were earning half your current salary may be completely inadequate now. We conduct regular reviews and update your plan as your income, responsibilities and goals evolve. We also think ahead about what financial decisions you will need to make at the next stage of your career, so you are always prepared rather than reactive.
What happens to my financial plan if I change roles or leave employment?
Role changes can have significant financial implications, including changes to KiwiSaver contributions, loss of group insurance cover, changes in equity vesting and the need to restructure income arrangements. We help you navigate these transitions so that nothing important gets missed and your financial plan continues to work effectively in your new situation. If you are considering leaving employment to start a business or consult, we can also help you plan for that transition specifically.