Financial Management
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The way that you manage your day to day cash flow will have an impact on your ability to create the lifestyle you wish to have not only now but all the way along life’s journey. As we increase your income(s) during the various lifecycles, you need to pay particular attention to how much of your hard earned money you keep and have left to build your wealth.
Your lifestyle goals need to be well known so that every decision you make when disposing of money is treated with total respect. We will explore your goals in depth before you receive our recommendations as to how you establish the right style of banking, where you bank, what level of emergency funds you require, and how to best monitor your cash flow performance.
It is amazing the difference a well-designed cash flow plan will assist you to minimize poor cash flow behaviour and how you can enhance your lifestyle options (and your children’s if need be) as life progresses. With the use of smart Cloud-based software, you will have a day to day (or whatever frequency works for you) view of how you are tracking with your disposal cash flow if this is important to you.
Every step you make will impact your short, medium and long-term goals, which means this facet of planning your finances is fundamental and with our assistance we will keep you totally aware of your progress with our bi-monthly reporting to you.
Investment Advice
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How you invest, what you invest in, and when you invest will contribute to your success in building the most efficient net worth during your lifetime. Irrespective of where you are in life, there is always advice required to help you to the next stage in building your wealth.
At times people find this subject to hard, so avoid it totally. We will show you simple ways to get started and/or assist you to move from where you are now. Once you are underway we will provide you with a constant flow of financial literacy updates, so you will become better informed to make smarter decisions over time.
Our adviser team will take you through a risk tolerance process that will help you understand your investing personality and risk appetite/tolerance. At the conclusion of this step, you will then know what types of investment will be suitable and what you will not be attracted too.
There are numerous investment opportunities that Financial Architects like to consider on your behalf while in the synthesis stage of our recommendations to you. The design and construction of the investment strategies we suggest you look at will be in sync with your lifetime goals, your financial personality, and your future cash flow capacity and sustainability.
KiwiSaver and Superannuation funds need a lot of attention from an investment specialist, such as ourselves, to make sure you are maximising this type of investment opportunity. We will analyse your current accounts and where necessary, suggest how you can better position this/these asset(s) for enhanced growth and security.
Direct property investment is included in our various investment options so that you can also decide whether you utilize the equity you have in other properties you own. Financial Architects work closely with developers and renown building firms to deliver quality real estate to your asset portfolio.
Mortgage Brokering
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Our mortgage desk, run by Geoff Bawden and Vanessa Lindsay of Bawden Consulting Ltd, will provide you a full broking service. Their work will enable you to acquire new properties as and when your Financial Plan suggests a further asset change occur, as well as providing current debt restructures.
Develop finance for those of you embarking on land development is handled by our mortgage desk via development finance arrangements we have in place in New Zealand. These vary and are dependent on the nature of the project you wish to invest in.
Business finance to help grow your business asset is available should this be required, by talking and strategizing with our expert lending team.
KiwiSaver
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Like you, there are over two million Kiwis taking advantage of the generous Government and employer incentives available through KiwiSaver to give their retirement savings a boost and if you aren’t, you should be. We understand a locked retirement and first home investment can bring an assortment of questions that may regard scheme selection, fund performance and much more. Financial Architects are your KiwiSaver specialists.
Whether you've got questions regarding your current KiwiSaver scheme or your potential sign-up with KiwiSaver, we can be your financial intelligence to help you enrich your journey to happiness in wealth.
Look below for the Morningstar research house survey document, for you to investigate the last quarter KiwiSaver performance and commentary.
Property Investment
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We have numerous real estate agents, land developers, building firms that provide us with investment opportunities that we may present to you if they fit your Financial Plan.
Our founder Dave Lucas has been working in this space for over 20 years now and is keen to provide you with insight to this area of wealth creation, as a mechanism to move you towards your financial independence efficiently.
Ask us for a complimentary property investment meeting so you can investigate this option for yourself.
Insurance
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The assets you have in life are all at risk should there be an unknown or catastrophic event that you have no control over. Risk management can be split between our own decisions we make and then the risks we have no control over, which then need to be transferred to an insurer that will provide you peace of mind. Financial Architects have arrangements with all the main insurers so when we analyse with you the risks you are exposed to, we will provide advice on how best you protect your current net worth.
Your Human Capital is a very large contributor to your future net worth, so we believe your income needs to be protected along with your tangible assets.
This will be included in our Statement of Advice to you when you decide to have us complete a Risk Management assessment report.
This is generally included in a Comprehensive Financial Plan, as again this topic is critical to your overall financial success in life.
First Home Buyers
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Our home loan broker service does not only look at interest rates, but we make sure that the offer received from any bank or lending institution will match your desired outcomes now and in the future. You may have different events ahead of you that may well interrupt your current cash flows and therefore modelling your future cash flows is completed; so you can view exactly what each year ahead of you will look like as you move towards being debt free.
The structure of any debt you incur needs expert synthesis and planning, as life is not static; there will always be changes that will require you to have a smart spread in your debt portfolio that gives you flexibility.
It is always important to minimise the amount of interest you incur, which will be one of our key focus points, with in our recommendations to you. When we analyse the most appropriate lending arrangements we will consider your lifestyle goals, your overall financial plan, and your risk appetite/risk aversion levels.
Our methodology in broking your lending needs will support the best outcome for you and your family.
Financial Independence
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When would you like to be financially independent so that you have more choices in life? What does financial independence mean to you?
The end result is reliant on all facets of Financial Planning as the steps you make weekly, monthly & annually will all impact on when you will reach your financial independence day. Our Strategy Plan will clearly articulate and direct you year by year to this eventual outcome.
Retirement Planning
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When you embark on a Retirement adequacy plan process with us, there is a very well proven six-step process we use that will provide you with a clear pathway (Strategy Plan) to the lifestyle choices you desire in life.
It is important you have assets other than your family home and not to be reliant on the NZ Superannuation payment, which will change in the future.
