Safe-guarding your progress. Let’s bring all your financial services together to work more effectively.
MORTGAGE CARE
We streamline your mortgage at every stage of life.
Kiwi’s have traditionally had a set and forget attitude to their mortgage. However, with the right strategy and ongoing management, there are thousands of dollars that can be saved over the life of your loan. Pointer knows how to streamline your mortgage. Whether you are trying to pay off your loan, or leverage yourself into the next property, we have plenty of experience and pointers to show you how.
Learn about Mortgage Care
FINANCIAL LIFE-MAPPING
Think ahead. Protect your progress.
Make better decisions.
It doesn’t matter what stage of life you are at. Whether you are wondering about the impact of expensive renovations, buying a home, planning for children, or simply considering what happens to your investment properties when it’s time to retire — we can help. During our life-mapping sessions, we discuss how the future might look based on your current position and what you can do about it — then we strategise a way to get there. The result is confidence, because any decisions you make will be better informed and more likely to work out as planned.
Learn about Life-Mapping
INSURANCES
Safe-guarding your progress.
If you want your insurances to be there when you need them, it’s worth considering what happens to the cost of your cover over time. Premiums for personal insurances such as Life, Trauma and Income Protection rise rapidly after the age of 40 and the number one complaint for people cancelling their policies is cost. It’s therefore important to structure your protection correctly, as with the right approach, you can establish new cover or alter existing cover so it will not increase over time for age-related reasons.
The financial modelling we conduct provides an essential insight, not only into what types of insurance might be appropriate and in what amounts, but also how long you might need it for. Understanding this is central to how you might structure a policy. Balancing the cost remains a factor though and the software helps to determine what might be a reasonable amount to spend given your wider finances. Bringing all these elements together we can give you the best advice to ensure you get the most value from each insurance dollar.
Book an Insurance Chat
INVESTMENTS
Growing your assets.
It’s important that any investment strategy takes your wider finances into account. Notably, where every client is different, and regardless of the situation, the singular objective is always to deliver an outcome that provides comfort and works in the way it is intended.
To ensure that your life-mapping is still a focus, we refer this to our partner business, Echelon Advisers. Royden Shotter is a Director at Pointer and Echelon, plus he created the life-mapping software we use so you can be assured this will be central to any advice delivered.
www.echelonadvisers.co.nz
KIWISAVER
Building towards retirement.
In the long term, KiwiSaver will make up a large part of many people’s retirement strategy. Until then, it might be a set and forget plan, or you might have questions you would like answered. Are you in the right fund? Should you make changes if the markets look bad?
No KiwiSaver manager is going to tell you when they’ve lost key people in their investment team. If you go direct to any provider you’ve got no-one monitoring them to ensure they are still on point. We aren’t tied to using any single KiwiSaver provider and are free to change who we might recommend. This means we can keep you in the loop. So If you would like to have someone on hand to answer those questions, and help you along the way, then plugging us into your KiwiSaver makes a lot of sense.
Book a KiwiSaver Chat