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Let's plan for your retirement

Do you have a plan for retirement? What does that look like - is it accurate and written down? Speak to a Liquid financial adviser today - let's work on it together.

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Let's make that plan

Or make sure the one you've got is up-to-date with your personal situation and goals. We need to understand your goals and current financial position, so some of the things we will review are:

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Investments

Your Liquid investment advisers's aim is to help you make the most of your savings. If you're planning for your retirement, the structure and allocation of your investments is key to ensuring you are comfortable when you stop working. Contact us today to learn how a well structured investment strategy fits into your retirement plan.

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KiwiSaver

Your KiwiSaver scheme account is an important part of your retirement strategy. The KiwiSaver provider you're with and the funds you're invested in can have a huge impact on the funds you have available at retirement. Liquid financial advisers have a lot of KiwiSaver experience - talk to us to make sure you're maximising your savings.

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Lending

Will you have a mortgage or other debts when you reach retirement? If so, what strategies do you have in place to service or pay off this debt? We will address this when preparing a comprehensive retirement plan. To discuss how this might affect you, get in touch with one of our advisers now.

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Insurances

Personal insurance is needs-based. Generally, as you near retirement, your insurance needs will diminish. It's therefore important to review the type and nature of your insurances as part of your retirement plan. Liquid financial advisers are experts at carrying out this review - let's talk about yours today.

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Read articles from the experts

Check out a sample from the Liquid blog below, or browse all articles here.

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posted on:
October 25, 2019

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posted on:
July 31, 2019

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Reasons to use a Mortgage Adviser

posted on:
October 31, 2019

If you've never used an adviser before - you might be wondering why you wouldn't just go straight to the bank to get your loan. The list of benefits is quite long - so the best thing to do is get started!

  1. Better rates. Liquid advisers are constantly in touch with lenders, so we know what the banks and other lenders are willing to offer. We can play the lenders off each-other and negotiate the best rate for your situation.
  2. Less fees. Generally, you won't be charged for our services - the lenders pay us a commission. Sometimes a fee can't be avoided, but if this is the case we will let you know up front. We can also sometimes get fees from the lenders waived because they haven't been required to spend time with you going through the loan application process.
  3. Better advice. Liquid advisers have a ton of experience structuring loans for our client's best interest and goals, which means you get to benefit from this. If you go straight to the bank, you'll be very unlikely to get this advice.
  4. Less hassle. If you want to hunt down the best loan, you might need to speak to or even visit multiple banks to get competitive rates or find the one that will charge you the least fees. We can probably tell you who your best fit is straight away - all you need to do is provide us with some info on your financials. We make the lending process easy, supporting throughout.
  5. Peace-of-mind. We've already talked about the experience you can lean on with Liquid - but it's more than that. Leaving your lending in our hands means you can focus on other things, knowing that experts are working with the lenders to get you a great deal and are here to answer any questions you have.
  6. Debt management. We've seen every kind of loan, and every kind of borrower. How you manage your debt will depend on a few things - we can help you make that plan based on your goals.
  7. Professional and Independent. Liquid is a member of the WealthPoint network, which means that our Authorised Financial Advisers are regularly audited for best practice and are required to perform CPD (Continuing Professional Development). Wealthpoint does not provide any financial products, and therefore no preference as to which products we advise to our customers (unlike say, a staff member of a bank - who would be very unlikely to advise against using their own products).
  8. One-stop shop. Liquid also has advisers who are experts in insurance, wealth management and retirement planning. Save yourself even more time - we can put together the whole package, or refer you to quality professionals to help you with other parts of the process.
  9. Market knowledge. Because we are looking at properties every day - and importantly how the lenders treat different properties, we can give you some insight into what looks good and what might be worth avoiding. There is a lot to consider, and we're happy to help you with those considerations.
  10. Less stress. Buying or building a home or business is stressful, but we do everything we can to take some of the load.
  11. Partners for life. Once we've helped put your loan together, we'll keep an eye on trends and products in the market and let you know if there's something we think might interest you. We'll also be in touch when it's time to re-fix your loan, and discuss refinancing if it makes sense for you to do so.
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Don't take our word for it...

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Dolores

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★★★★

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Jim

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★★★★★

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Peter

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