FINANCIAL LIFE-MAP STORIES

Looking through your debt to see what the future holds.

Your mortgage is just the first step. See how our clients have advanced their position by thinking strategically about their world.

LIFE-MAP STORY RENTAL PROPERTY STRATEGY

Tim and Nancy thought they would have to sell their rental property, but life-mapping showed them otherwise.

During an annual review, we picked up that Tim and Nancy were conflicted as to whether they should keep their Auckland rental property. They had moved to Nelson and while selling their Auckland home meant that their personal mortgage was now much lower, they weren’t earning as much as they used to and the strain of topping up their rental was feeling like a burden. Using life-mapping we wanted to look through their current finances and see if that told us anything. Sure enough, we could see that once their second child was in school, Nancy would take on more hours at work and the boost to their income meant that the pressure they were feeling would subside.

Over the medium term, rising rent would make a more meaningful component of covering mortgage payments on the rental, and over the long term, the capital gain would make a significant difference to funding their retirement. It was clear to us that all they needed to do was hold on, so they could get the benefits they were looking for. For them, seeing it all laid out made a big difference and they made the decision to continue with their plan.

“The Pointer software was so helpful. Seeing the numbers in front of us gave us so much clarity! — Tim & Nancy

YOUR FINANCIAL STRATEGISTS

Will we go backwards on just one income?

We’re there at every stage of life. Using our purpose-built software
we can show you what lies ahead.

Mia & Thomas Book a Life-Map Session

LIFE-MAP STORY RETIREMENT PLANNING

Alistar was in a high paying role, but was unsure if he was on track for retirement.

When we met with Alistair he was a General Manager and had already spoken to a range of other advisers, but nobody had done any life-mapping with him. With 15 years to go before retirement and even though he was earning a lot of money and had shares and property, he had no way knowing if he was on track for the kind of retirement he wanted to live.

After a long life-mapping session, we made a plan to reduce and re-finance debt, make his share portfolio tax deductible, and put a strategy in place so that if he was was ever restructured out of his high paying role, he would be able to fall back on other income, [such as going on boards]. Not only did he get improvements in his day to day finances, he gained a realistic plan for the future that included everything he wanted.

“Working with a team that have a strategic approach was so valuable.” — Alistar

LIFE-MAP STORY HOUSE UPGRADE PROJECTION

Lea and Rob had no idea that upgrading their home to a
better school zone was even possible.

When Lea and Rob came to see us they were expecting their first baby. They had done some calculations about going down to one income but they were concerned about not going backwards and were looking to cancel a raft of life insurances. We were concerned that they may have been focusing too much on the short-term and the life-mapping suggested that this was the case. While they would go sideways over the next 18 months, they would get back on track once Lea returned to work with very little variation to their long-term picture.

Better still, the modelling also showed that within 5 years they could afford to sell where they were and upgrade to a bigger home that was more suited to their growing family. While this would put them back into debt, if their careers stayed on track, they would still clear their mortgage with plenty of time to prepare for retirement.

“Life-mapping showed us that we were so much better off than we thought!” — Lea & Rob

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QUICK-TIP MORTGAGE PROFILER

Age, relationship, earning potential and families can all change your mortgage strategy.

Select your mortgage status and buttons below to get your quick-tip. These are some of the things we’ll be thinking about when we talk to you.
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