Most people tend to underestimate what they can achieve financially over the long-term.
Whatever your financial goals are, whether you want to save money on your mortgage, create wealth or save tax, with the right amount of planning and time, it is possible.
Speak to our MyFuture financial advisers today.
“Lara is fantastic to deal with. She has made a huge difference to the way we approach our finances and has given us a cohesive and achievable plan to work to. We would highly recommend her to anyone who is looking to create a retirement plan which they can feel confident in.”JONATHAN7/11/2017
“Lara - Excellent communicator, accommodating, puts clients first. Cannot recommend enough.”LIAM7/11/2017
MEET OUR FINANCIAL ADVISERS
BOOK YOUR FREE CONSULTATION HERE WITH A MYFUTURE FINANCIAL ADVISER
As your Financial Advisers, we specialise in helping you achieve financial freedom through debt management, tax savings and wealth creation strategies that show you how to make money and manage your finances.
We follow the 6-step financial advice process. This is the international benchmark for financial planning that has been proven to increase the likelihood of you achieving your financial goals when combined with a holistic approach to your overall financial affairs.
During your first consultation, we gather all the necessary facts to better understand what it is you want to achieve, what your current situation is and what resources you have available to help you accomplish those goals.
Once you become a client, our Advisory Panel develops a detailed strategy showing you how to achieve your financial goals. Once you understand and approve this, we then begin working with you to manage the long-term implementation.
Please Note: My Future financial advisers do not carry out the implementation of your strategy, rather we introduce you to the appropriate professional at the appropriate time, for example if you require additional lending or a restructure of your existing lending we will introduce you to our specialist mortgage broker, if you require advice on buying, selling or holding a portfolio of managed funds we will introduce you to an appropriately qualified and authorised financial adviser.
What are your financial goals?
Do you ever get to the end of the week and wonder where all your money went? Or does the everyday cost of living seem to make it impossible to save, let alone think about your kids’ education and retirement?
Creating a budget is the important first step to understanding your money habits and getting real about where your money goes. Once you’re armed with this knowledge, you can then monitor and control your finances and make intelligent decisions to use it wisely.
We can show you how to make your budget work even smarter.
For many Kiwis, paying off the family mortgage is the number one priority and this makes sense.
Who wouldn’t want the added security of knowing your home is paid off? Not only that, but imagine the fun you could have once that mortgage payment is now being directed towards those other things you have on your bucket list.
We could save you thousands of dollars in interest and have your home paid off years sooner, without needing to change your lifestyle.
If you find it a challenge keeping up with the cost of everyday living, the pressure of needing to save for retirement and trying to put your kids through school, then fun things like taking a family holiday to Disneyland, having a holiday home or upgrading to a new car, can all seem like an impossible feat.
We believe it’s possible to save for retirement and have a life along the way. You just have to plan.
We can help you to have a life and still achieve all your financial goals.
Education doesn’t come free in New Zealand, and with the constant changes to the Student Loan Scheme, many of our kids are entering the workforce already burdened with large student loans.
We understand it’s every parent’s wish to give their children the best possible start to life and a good education is a cornerstone to setting them up for success. We believe it’s possible to send them to the best schools and Universities and still plan for a great retirement. You just need to plan.
You can plan for your kid’s education and still achieve all your other financial goals.
Our taxes are a vital resource in making sure our nation continues to provide the essential services we all know and love.
The biggest areas of government spending are health, education, benefits (including Working for Families), NZ Superannuation and infrastructure spending, so contributing towards these services through our taxes is a great responsibility that should not be shirked. However, just like the former Australian billionaire [Kerry Packer] said, “I pay whatever tax I am required to pay under the law – not a penny more, not a penny less” we should pay our fair share.
The government however, encourages us to save tax so we can use it to create wealth, so it makes sense to do just that, don’t you think?TALK TO US
Most Kiwi’s aim to retire when their state pension (NZ Super) begins at the age of 65. This mean it’s important that you have a plan to continue producing income for at least another 20 years, after you retire.
The most important thing to understand is how much you are going to need, how long it will take to accumulate that and what you need to do to make it happen.
Once you are clear on what your goals are and have decided which of these you can start working towards immediately, you can relax knowing you’re on track.
You can create future income after you retire, while continuing to have a life along the way.
As an investment vehicle, residential property in New Zealand’s main centres has provided consistent returns from both capital appreciation and rental income over many decades.
Kiwis love property but it can be confusing, especially for first time investors, should you buy and apartment, a 3 bedroom townhouse or a 4 bedroom brick and tile home with internal access double garage?
We can help you discover what is appropriate for you to achieve your goals.
The right financial structure will save you tens of thousands of dollars and a slow-and-steady approach to investments, following our advice, will give you decades of time for your wealth to grow securely with minimum risk.
All while allowing you to continue to enjoy your life.
If you believe you have to wait until your kids have left home before you can start paying off your mortgage and begin saving for retirement, it’s simply not true.
Once you realise how easy it actually is and how little money it really takes to achieve your financial goals, you will wish you had started 10 years ago.
Just like planning a trip, knowing where you want to go is the first step to getting there.
Imagine that visiting a financial adviser is just like visiting your travel agent, if you don’t know where you want to go it’s pretty hard for them to tell you how much it will cost or how long it will take to get there.
So, is it Australia you want to go to, or England? As a concept, we know it will take longer to get to England than it will to get to Australia and it will cost more. With Financial Planning the concept is very similar, some goals will take longer to achieve and some will be more expensive.
Terry Rota & Lara Maloney will provide the financial services that are required to you move closer to your goals.
The most important thing for you to understand though is how much you need, how long it will take you to accumulate that and what you need to do to make it happen.
Once you have a clear idea of what your goals are and you’ve decided which ones you can start working towards (not all goals need to be worked on at once) you can relax knowing you’re on track.
Should I use a Financial Planner?
- Would you like to save money & make money?
- Do you have time to research all the financial services available to you?
- Are you concerned about your retirement funds?
- Do you have the knowledge to understand if these products are suitable for your financial goals?
- Are you comfortable taking responsibility for your decisions?
- Did you know that if you use a financial planner you have more rights if something goes wrong?
- Would you like to create a passive income?
If you answer no to any of these questions, it’s likely you’d benefit from talking to an adviser!
A Little About Us
We help clients achieve financial freedom through debt reduction and wealth creation strategies.