Hi everyone, I hope you’ve had a great month so far, and for those of you with kids, I hope the school holidays, and the juggling act that comes with them, have gone well. Obviously it’s been a pretty uncertain time in the world, and it’s impacting all of our wallets – the ongoing situation […]
Author Archives: Kieran
Why rising fuel prices are starting to hit more than just the pump
Fuel prices have been climbing again, and while the most obvious impact is at the petrol station, the flow-on effects are starting to reach much further. Recent global events, particularly conflict in the Middle East, have pushed oil prices higher, creating pressure across supply chains and everyday costs in New Zealand. What’s driving the increase? […]
Making sense of recent market movements
Recent weeks have brought a sharp increase in global uncertainty. Conflict in the Middle East has escalated, oil prices have moved higher, and investors have been reassessing what this could mean for inflation, interest rates, and economic growth. As a result, markets have become more volatile and headlines have become more dramatic. That does not […]
The difference between retiring from work and retiring from income
When people talk about retirement, they often describe it as the day they stop working. In reality, retirement planning is less about stepping away from a job and more about replacing income in a sustainable way. Stopping work is a lifestyle decision. Replacing income is a financial structure decision. The two are related, but they […]
Health insurance costs under pressure in 2026
New Zealand’s private health insurance market is facing continued cost pressure, with medical inflation forecast to remain well above global averages. According to Aon’s 2026 Global Medical Trend Rates Report, medical plan costs in New Zealand are projected to increase by 18% in 2026, up from an estimated 17% in 2025. By comparison, the global […]
What flexibility in a mortgage means in practice
When people talk about wanting a “flexible” mortgage, they’re usually not thinking about technical loan features. They’re thinking about how their mortgage will cope if income changes, expenses pop up, or plans shift over time. Mortgage flexibility isn’t one specific thing. It’s a mix of features that can make it easier to adjust a loan […]
Why early-year financial pressure feels heavier for many households
For many households, financial pressure can feel particularly noticeable in the early months of the year. Even after the holiday period has passed, a combination of seasonal expenses and ongoing cost-of-living pressures can place strain on household budgets. Recent research and reporting suggest that despite easing interest rates, many New Zealanders continue to feel stressed […]
January 2026 update
Hey guys, welcome to 2026! I hope you’ve enjoyed a great holiday break with your loved ones, or if yours is still coming up, that it’s a good one. There’s no denying 2025 was a year, and I think we all needed that downtime. I managed to get some lovely family time, a bit of […]
How to set financial goals you’ll actually stick to
Many of us find it easy to set financial goals, but sticking to them is a different story. Life gets busy, priorities change, and unexpected expenses can crop up. With a bit of structure and the right support, your goals can feel much more achievable. Here are some practical steps to help you build momentum […]
Why January is a good time to review your financial plan
With the Christmas period behind us and the new year freshly underway, there’s often a quiet sense of “let’s do this properly this year.” With fresh budgets and new goals in mind, it’s a great time to step back and take a look at your financial plan. You don’t need everything figured out. Even a […]