Sandwich generation: Caught in the Middle? Let’s talk retirement planning

If you’re in your 40s, 50s, or 60s, chances are you’re supporting others as well as yourself. Maybe your kids still need help with study or rent, while your parents are starting to rely on you more.

This phase of life is often called the Sandwich Generation and it can feel like you’re being pulled in all directions. Planning for your own retirement might be on the backburner, but it shouldn’t be.

What this can look like:

• Helping kids with uni or home deposits
• Supporting parents with health or living costs
• Managing your own mortgage and expenses
• Trying to figure out when you can retire – and how much you’ll need

It’s a lot, but you don’t have to do it alone.

Here’s how you can regain clarity and control:

Set clear, kind boundaries

Helping family is important, but not if it jeopardises your future. Set limits that work for you – and stick to them.

Prioritise your financial wellbeing

Think insurance, KiwiSaver, and future income. Taking care of yourself first means you can support others for longer.

Get a plan – and advice that fits your life

There’s no one-size-fits-all approach. We’ll help you create a plan that works for your unique situation, balancing today’s needs with tomorrow’s goals.

It’s time for a chat with us, lets get planning

If you’re feeling sandwiched, now’s the time to get clear on your financial future.

We’ll help you:

• Work out when you can afford to retire
• Understand how much you’ll need
• We’ll figure out can you afford to support family without putting yourself at risk
• Take the next step with confidence

Let’s talk, get a plan in place and take the pressure off.