If you have worked in the UK and contributed to a pension scheme, this article may affect you. For New Zealanders who have UK Pensions, the rules around accessing these pensions and bringing them back to New Zealand are getting more and more complicated. Prior to 2012 it was possible to transfer your UK pension…
From 1st July 2016 – a new tax relating to residential property will be in force. This tax (the Residential Land Withholding Tax RLWT) applies to ‘overseas investors’. BUT it is important to note the definition of ‘overseas in this legislation – IT COULD APPLY TO YOUR ENTITY. From 1st July – any entity that has an…
Like many people in business, I find Provisional Tax and GST to be one of the more stressful aspects of life. Fortunately – after 17 years !!! I managed to create a system that eliminates the stress and makes my life a lot more pleasant. One of the problems with tax is that the rules…
I read this article in the Guardian and found it amusing. Here is some more information – as some light relief. Fortunately – these days, the software is a little bit cleverer and there aren’t as many instances – but it shows how technology can go wrong. The Clbuttic Mistake: When obscenity filters go wrong…
A light viewpoint of the validity of Panamanian Trusts
This year at University, I am studying the law of Wills, Succession Planning and Trusts, which is fascinating given how much of an integral part of financial planning these topics are. We work with our clients to make sure that they have Wills in place, but as we aren’t lawyers, we use the best of…
A unique feature of NZ’s Retirement savings scheme KiwiSaver is that KiwiSaver members can withdraw their funds to put towards the purchase of their first home. If this is your first home, then the process is quite straightforward, with some additional features if you are building a home. However, the rules also allow for…
Despite the rise of websites and search engines as alternatives to “classic“ news sources such as television, newspapers and the radio, the TV is still the news source most people around the globe rely on. That’s the result of a global survey of more than 30,000 online consumers across 60 countries conducted by Nielsen. When…
When you are working and earning a good income, you are able to keep up with the maintenance requirements of your home. However, when you retire and are living off a defined income and capital, juggling the demands of a high maintenance home with day to day living costs becomes more difficult. When you are…
The goal of having insurance is to have it work for you when you need it. Unfortunately, sometimes insurance companies don’t pay out on a claim on insurance, and this can give the insurance industry a bad name. As your financial adviser, we work with you to make sure that you declare everything that you…
I know that having a photographic memory is rare (and valuable), but I did this test with fingers crossed and hopeful. When I am studying I can remember pictures of the mind maps that I have drawn in various colours, so maybe…. But no, I am just good at memorising things and have a…
As your financial planner, our goal is to make sure that you have all the financial solutions in place that will help you achieve your goals. This includes your life, trauma, health and income protection insurance cover. But as part of our job, we want to ensure that you have fire and general insurance (house,…