Designing a Spending and Investment Plan for you

We know how scary it can be to arrange your money when you retire. We prepare and maintain Spending & Investment Plans for our approaching retirment and clients. To help you understand what’s involved, we go through three explanatory meetings  - our Three Meeting Process - before you have to commit.

Each meeting lasts about an hour and costs $100+GST. At each meeting you get a Workbook to work through, and together the three Workbooks form your Statement of Advice. You can stop at any time. 

At this meeting we explain how to split your money between defensive investments to provide you with short term spending money and growth investments for future spending money. We use specialised modelling software to help you work out how much spending we think your capital will support.

We discuss how to spread your money widely and how to choose a portfolio of managed funds for your short term spending money and another for your growth investments.

By the end of the meeting you’ll have had our advice about which portfolios we suggest. 

In some ways the last meeting is the most important because we all know that circumstances will change and, at this meeting, we'll show your how we adjust your plan over time. We'll also review the benefits and costs of a full Spending & Investment Plan. 

Once the three meetings are done, you decide whether you’d like to go ahead. If you do, we’ll put your plan into action. 

From then on, we’ll go through your investments each year, and adjust the plan as and when your circumstances change.