Imagine being over 65, and spending up to $3,000 a month more than what the government superannuation scheme provides. Where does that come from in your world? In a recent discussion with Ben Brinkerhoff, Head of Advice at Consilium in New Zealand, I explored seven critical questions that we need to address to ensure a
On March 5, 2025, Adrian Orr, Governor of the Reserve Bank of New Zealand, announced his abrupt resignation, cutting short a second five-year term that should have carried him to 2028. No reason was given—just a quiet nod to inflation tamed and a financial system still standing after years of turbulence. No mention of the
Risk: What does it really mean, and how much should you take? Risk in Everyday Life vs. Investing Think about the fun, non-financial things you enjoy—fishing, mountain biking, or even crossing the road. Each carries a chance of disaster: a shark attack, a crash, or a rogue bus. Yet, if the odds of total loss
Those who know me know that I'm not a fan of sports. In a moment of weakness recently, though, I watched 10 minutes of motorsport with one of my kids. Perhaps because it's pretty simple to understand, I'm happy to allocate a very small amount of my attention to it (and perhaps a bit of sailing).
I learnt a lot recently talking to Alasdair Macleod, about a perspective that centers around a systemic failure of the system of credit. What’s credit? Well, if Gold is money and everything else is credit, then effectively all representations of value we can trade outside of Gold is what we’re talking about. Turns out, quit
As we stand at the threshold of 2025, the New Zealand property market finds itself at a critical juncture. After weathering a significant storm that saw values plummet by 15-20% from their peak just three years ago, many are wondering: Will the housing market finally find its floor? The property market has been buffeted by
Investing is great - over time you'll sort out your retirement. With what you have left, there may even be a little something to leave the kids. That perspective is 100% valid, but for some, they in search of something bigger, something with purpose. This is where setting in motion a strategy of building intergenerational
Wise investing isn’t just about growing a pot of money, it’s about solving tomorrow’s needs, at today’s price. It’s about anticipating your future and making some tough choices now to avoid higher costs later. First-time home buyers often purchase ‘first homes’ for example. These are the affordable options that feel safer as a first step.
Success with property requires just 3 moves: Buy, Hold, and Sell. To help with these three moves, we need to study cause and effect within the economy. In other words, the more you can predict what influences inflation, the more you can understand the direction of interest rates, and therefore where property prices may be
I've been providing financial advice, in some form or another for over 21 years now, and I'm just warming up! Rudolf Steiner was an influential Austrian philosopher, social reformer, and esotericist who lived from 1861 to 1925. He developed a theory of human development based on seven-year cycles, which he believed were linked to astrological
