Choosing an advisor
Becoming a homeowner is a rite of passage for most Kiwi’s. Though widely accepted as one of the most secure (and intelligent) forms of investments, securing a place on the New Zealand property ladder doesn’t come cheaply. Banks are the primary source of lending for people wishing to purchase a home. As a mass market […]
How to choose a financial advisor
Circulus is partnered with a number of trusted advisors however the following excerpt is from the Financial Markets Authority of New Zealand – All advisers have a legal responsibility to act with care, diligence and skill and not act in a way that is misleading, deceptive or confusing. Here are the questions you need to […]
The process of creating your Financial Strategy
1. Establish client and advisor relationship In this initial step your advisor will clearly outline the services they will provide and explain both their responsibilities as an advisor and your responsibilities as the client. 2. Gathering data, including goals In this step your advisor will gather detailed information from you about your current financial situation, […]
Myths & Misconceptions of Funding Retirement
Your home is a lifestyle asset not a retirement plan Over the decades owning a home has proven to be a great way of forced savings. Property prices have increased at a great pace and although this is fortuitous from a building increased equity point of view, it also comes with the potential danger of […]
The basics of how people get out of The Poverty Cycle
Typically, when we look at those that have broken free from the poverty cycle there are 4 basic steps that they have taken to get ahead. The first step is they have identified how to better manage their debt. By creating the best structures and payment systems they are able to reduce their debt much […]
The Poverty Cycle
It is a rather sobering fact that when we look at the population at the age of 65, we find that we can divide these into 2 distinct groups. There is the group which you want to be in, approximately 15% will make it into this group and they are those who reach some form […]
Can you achieve financial independence?
Any good achievement starts with the realisation that you can do it. What brings us to that realisation can be any number of factors but when we discuss the prospect of reaching financial independence the first realisation that it is now time to get sorted is typically an age-based thing. Life has many important steps […]