John Killick

What should the strategic objective be?

Most people would agree that as a country we could improve our financial literacy – individually and collectively. Few would debate that a national average expenditure of 110% of income is not ‘running a healthy budget’, or that leaving KiwiSaver investments in ‘default funds’ is particularly smart,...

Investment Portfolio Design – Part two

If an investment portfolio is premised on a three decade retirement then the retention of purchasing power is important because expenses will double which means the cost of living inflates dramatically for retirees.

If an investment portfolio is premised on a three decade retirement, the retention of purchasing...

Investment portfolio design

When a financial planner designs a personalised investment portfolio for a client, there are a number of important ‘inputs’ which need to be understood and prioritised, for the plan to have the best chance of achieving the desired outcome.

You will note I said best chance. Certainty is...

Save, Insure and Manage your Tax – sooner rather than later.

For over 20 years our organisation has continued to champion the opportunity for young people to enter the financial services industry as a life time career. Few University Graduates have been introduced to or investigated this opportunity, yet the average age of independent advisors in NZ is...

A lifetime perspective

When stocks take a tumble, it’s time to rejoice – this is money making time. For accumulators. For fixed term investors, on the other hand, it’s just another temporary decline in the long term permanent rise of local and international stocks. For fixed term investors – look...