Progressive Financial Planning Ltd - Our Services - Progressive Financial Planning Limited, Financial and Investment Advice Christchurch, New Zealand!

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How We Can Help You Manage Your Money Better

Whatever your stage of life, at Progressive Financial Planning in Christchurch we can create a comprehensive financial plan towards achieving your financial goals faster, and with less risk, than if you attempted it alone. Working with your lawyer, accountant or trust specialist, we can also help you put your plan into action, monitor and review the plan regularly, ensuring it is heading in the right direction. More importantly we will make sure you are happy with your new financial position.

We specialise in investment portfolios and UK pension transfer but also provide a range of other financial planning services including:

Funding Retirement

However you define it, when it comes to retirement our objective is to maximise the return on your investment portfolio (given your level of risk). The value needs to increase by at least the rate of inflation to maintain its buying power and it must also provide a future income stream to boost your New Zealand Government superannuation.

Sources of income
Structuring NZ superannuation & rollovers
Private savings
How much will you need
Securing a reliable income

Estate Planning

If you want to ensure as much of your estate as possible goes to your intended beneficiaries and minimise tax, a few things need to be planned. This will also ensure sorting out your estate after you have gone will be simpler!

What is a trust?
Is a trust for me?
Asset gifting
Managing Trusts

Financial Risk Management & Asset Protection

Minimising your exposure to the risk of financial loss is as important as any other part of financial planning. Finding the right kind of insurance can be complex and expensive if you don’t locate the best product on offer or ask the right questions. We can analyse your situation, provide advice and introduce to an appropriate specialist to implement the recommendations.

Insurance
Estate planning
Wills
Power of attorney

Setting Financial Goals

Goal setting is the most powerful and important part of financial planning! We can help you plan how to achieve your goals more efficiently than if you had attempted to do this by yourself. We can also point out weaknesses in your current financial situation and provide alternative solutions you may not have thought of yourself.

Identifying what you want
Planning together
Improving your net worth

Budgeting

Need help with budgeting? We can guide you through a simple budgeting process. Firstly we’ll look at where your money is going, then you tell us where you would rather it went. Together we’ll come up with an agreed budget which will ensure you minimise debt and start saving.

How can I do it better
Everyday cash management
Income vs Outgoings
Setting the spending boundaries
Planning income streams

Saving Money

Are you saving towards your goals? Once you have cleared outstanding debt, increased your cash flow, and started saving, you are already taking the first important steps to building your future wealth.
We can show you how to:

Set attainable saving goals
Increase your savings as cash flow increases
Switch the money that paid off debt automatically into your savings
Remind yourself of your goals daily
Break down your current financial mindset and change your spending habits
Enjoy saving money
Save as part of your overall financial plan

Managing Debt

Your assets cannot grow fast if you are supporting too much debt. We can help you plan your way out of debt, and start focusing on saving for what you really want. If you are constantly struggling with balancing the books, it may be because you are using too much of your hard earned income to finance debt repayments. We’d like to see you become completely debt free!

Pay off debt versus saving
Borrowing options
Credit cards, car loans, hire purchase
Getting out of debt

KiwiSaver

Choosing an investment company for KiwiSaver is an important decision. Just like investing in the share market, there is no guaranteed return from any of the KiwiSaver providers. The Government does not guarantee your income either. Ultimately you must assume responsibility for the safety of your Kiwisaver savings. We can help!

Should I invest in KiwiSaver?
Which KiwiSaver fund should I choose?

Mortgages

It literally pays to take care when choosing your mortgage since the repayments over time (interest and principal) could add up to a lot more than the cost of the home. There are hundreds of loans to choose from, each with its own interest rate, fees and degree of flexibility. These key features all have an impact on how much the loan will cost you and when it will be paid off.