Our Services

We offer personalised financial planning services designed to help you achieve your financial dreams. Our approach is all about looking at your entire financial picture—considering everything from investments to real estate and beyond—so you can feel confident you’re making the right choices. We believe that understanding how all your financial pieces fit together is key to making sure they support your long-term goals and help you manage potential risks.

Using clear, straightforward advice and financial modeling, we break down your goals into simple, actionable steps. This helps you prioritize spending, saving, and investing decisions, keeping you focused and motivated along the way. A well-crafted plan not only guides your progress but also builds confidence in your financial future.

No matter what stage you're at—whether you've recently inherited assets, are nearing retirement, or are expanding your family—we’re here to support you. As your trusted partner, we adapt with you, providing timely advice and guidance through life's milestones.

Keeping a close eye on your income and expenses is the foundation of a strong financial plan. Whether you're paying off mortgages, credit cards, or other debts, budgeting wisely and cutting back on expenses where possible can make a big difference. If you're still working, managing your money effectively helps you build a secure future. For those in retirement, it’s crucial to ensure your investments last and support your lifestyle. We can help you develop practical strategies to clearly understand your cash flow and minimize any unnecessary spending, giving you confidence and peace of mind about your financial journey.

Risk planning is an essential component of a comprehensive financial strategy. We help identify key gaps in your protection and work with trusted specialists for tailored advice on insurance coverage, ensuring it aligns with your unique circumstances, life stage, and budget. 

While we do not provide specific policy recommendations or handle the purchasing process, we integrate risk management such as life, income, mortgage, and health insurances into your overall plan. Additionally, we consider liabilities like debt management to ensure your financial security. 

Our holistic approach provides foundational advice to protect your assets and keep you on track toward your goals, with access to specialised services when needed.

If you're eligible, enrolling in KiwiSaver is a great way to benefit from government contributions and employer incentives. We’ll take the time to explain your options, forecast potential growth, and tailor your KiwiSaver account to fit your current life and future retirement goals.

Our approach is all about helping you make confident, well-informed choices that suit your personal financial situation, comfort with risk, and long-term ambitions. While picking a provider and investment option might seem straightforward, finding the right match requires careful consideration of what truly works for you.

We’ll guide you step-by-step through selecting a KiwiSaver provider and investment strategy that aligns with your goals. Our service includes a detailed review of your existing KiwiSaver setup and personalised advice on how to optimize your investment approach.

Plus, we offer annual reviews to check in on your progress and ensure your KiwiSaver continues to adapt to any changes in your life. Regular monitoring helps us keep your strategy on track, so you can confidently work toward a comfortable and secure retirement.

We assist clients in transferring Australian superannuation to KiwiSaver schemes. 

Our service ensures compliance with key requirements:

• Identify KiwiSaver schemes accepting Australian transfers
• Clarify restrictions on using transferred funds for first-home purchases
• Explain how transfers affect annual government contributions
• Guide on withdrawal eligibility at age 60 upon meeting retirement criteria
• Advice on transfer limitations when migrating internationally
• Clarify restrictions regarding UK pension funds within your super

Let us help you navigate the complexities for a smooth superannuation transfer.

Every individual, couple, family trust, and estate has unique investment needs that require a flexible and personalised approach. Once we understand your goals for income and growth, your timeframe, and your comfort level with risk, we can help you design an investment portfolio that suits your situation.

We focus on creating tailored investment strategies that align with your specific financial objectives. By working closely with you to understand your risk tolerance, we can recommend appropriate asset allocations and portfolio structures to support your long-term ambitions.

Successful investing often comes down to discipline and patience—finding the right balance between risk and potential returns. At Everwise Wealth Partners, we help you navigate the emotions of fear and greed that can lead to poor decisions. Building a diversified mix of income and growth assets is essential, and we’re here to guide you through that process.

We’ll review your current financial situation, develop a clear plan for your future, and stay committed to helping you achieve your goals every step of the way.

Just as seeking a second opinion is common in healthcare, it’s equally valuable when it comes to your financial wellbeing. Ensuring your advice and strategies are the right fit is essential for peace of mind and confidence that you’re on track to meet your long-term goals.

Our second opinion service offers you reassurance and clarity. Here’s how we can help:

• A friendly chat over a cup of coffee: You’re welcome to visit us for a no-obligation, complimentary discussion. We’ll explore your current financial situation, what matters most to you, your values, goals, and comfort with risk.
• Tailored financial review: After understanding your needs, we’ll develop a personalised financial plan to review with you.
• Confirmation or guidance: If your current strategies still align with your long-term vision, we’ll happily confirm that. If not, we’ll explain why in straightforward language and suggest possible alternatives.
• Expert assessment: Our review covers key areas such as your goals and progress, investment returns, fee competitiveness, responsiveness of your adviser, regular review practices, portfolio diversification, risk awareness, and fund selection.

Our aim is to provide you with a clear snapshot of where you stand today and the potential for tomorrow. We’ll identify strengths, highlight any gaps, and deliver a concise report with practical recommendations to help you move forward with confidence.

Once you have managed your personal debts, the next step is to develop a diversified investment strategy designed to generate income during your retirement years. Whether you’ve sold a business or investment property, or perhaps downsized your home, we’ll work with you to create a tailored plan for a smooth transition into retirement—whether gradually or by a specific age. Your plan will include a realistic retirement budget and an investment structure that provides reliable income while safeguarding against inflation.

Retirement Planning in a Nutshell 

• Clarify your ideal retirement lifestyle and identify the income needed to realize it 
• Estimate the capital required to fund your desired way of living
• Assess how much you can consistently contribute to your savings and investments
• Choose an investment approach that matches your risk tolerance and turns your contributions into the necessary assets 
• Ensure you have the right insurance coverages to protect your future security 
• Regularly review your plan and make adjustments as your situation changes, keeping you on track to achieve your retirement ambitions

At Everwise Wealth Partners, we understand your farm is more than a business—it's a legacy. As a financial planner and former rural bank manager, I've seen firsthand the challenges and opportunities in succession planning for farming families. We're dedicated to empowering you to control that future.

Our approach: to guide you in creating a plan that's truly yours, reflecting your values, goals, and unique family/farm dynamics. We provide the insights, tools, and frameworks to navigate succession's complexities, facilitating informed decisions that secure your farm's future across generations.

Think of us as your guide, offering insights, exploring options, and facilitating crucial conversations.

Recommendations for Successful Succession:

To ensure a smooth and prosperous transition, we advise:

1. Open Family Communication: Encourage honest conversations about wealth, values, and future aspirations.
2. Prioritized Education: Cultivate financial literacy and responsible stewardship across generations.
3. Values-Based Planning: Define and align family values with your financial objectives.
4. Expert Collaboration: Engage qualified legal and financial advisors to develop tailored strategies.
5. Regular Plan Reviews: Update wills, trusts, and other documents to reflect changing circumstances.

At Everwise Wealth Partners, we collaborate with your existing legal, tax, and advisory teams to create comprehensive estate and succession plans. We ensure proper asset and insurance policy ownership, providing the confidence that your wishes will be fulfilled.

Ensuring your financial plan is carried out effectively involves making sure your assets are directed to the right people, at the right times. Estate planning includes key steps like maintaining a valid, up-to-date will, arranging enduring powers of attorney, and establishing family trusts or company structures to suit your needs.