Financial Planning with Moneyworks
Thoughtful financial planning to help you get to and through retirement — with ethical investing as part of the conversation.
Retirement means different things for different people.
Retirement looks different for everyone.
For some, it’s finishing work at 65 and spending more time travelling, gardening, or with family.
For others, it’s changing direction earlier - perhaps stepping into work they’ve always wanted to do - and continuing well into their seventies.
Because of that, how you plan for the years ahead, and how you organise your money once you reach them, is never one-size-fits-all. That’s where financial planning becomes valuable.
What financial planning helps with.
Financial planning starts by working out what this stage of life looks like for you.
That includes understanding:
what you want your money to support
how much flexibility you need
and how your savings, investments and KiwiSaver fit together
As life unfolds, financial planning also helps you organise your money so it continues to support your choices - without needing constant attention or second-guessing.
An ongoing relationship, not a one-off decision
At Moneyworks, financial planning is an ongoing process.
We help you understand where you are now, where you want to go, and what decisions matter most along the way. We then work with you over time - with regular reviews - to track progress and adjust as circumstances change.
This allows your financial decisions, investments, and wider arrangements to stay aligned with what matters to you, rather than drifting out of step as life evolves.
Who this approach suits
Financial planning works best when there’s a shared understanding of what the relationship is for.
Our approach tends to suit people who are:
• approaching retirement, or already there
• no longer focused on accumulation alone, and starting to think about income, flexibility and trade-offs
• managing a mix of savings, investments and KiwiSaver that need to work together
• comfortable having thoughtful conversations, rather than handing everything over without involvement
• looking for an ongoing relationship, not a one-off piece of advice
There’s no single “right” age or situation.
What matters more is that you want your financial decisions to be considered, connected, and revisited over time as life changes.
How financial planning works in practice
Financial planning isn’t a single event or a fixed plan that gets put in a drawer.
It’s a way of making decisions over time - as circumstances change, markets move, and priorities evolve.
At the start, we work with you to understand where you are now, what you want your money to support, and which decisions matter most at this stage of life. That creates a framework, not a forecast, that helps guide future choices.
From there, planning becomes iterative.
We review things regularly, not to chase every market movement, but to make sure your decisions, investments and wider arrangements remain aligned with what matters to you. Sometimes that means small adjustments. At other times, it means stepping back and rethinking priorities as life changes.
The value of ongoing planning isn’t certainty. It’s having a considered way to respond when things don’t go exactly as expected - whether that’s markets shifting, work changing, health issues arising, or legislation evolving.
Our role is to stay alongside you through those decisions, helping you weigh trade-offs, understand implications, and move forward with confidence rather than second-guessing.
Where investing and ethics fit
Investing sits inside the financial planning process. It isn’t the starting point.
Once there is clarity about what your money needs to do, investments are selected and managed to support that plan over time.
For many of our clients, how their money is invested matters, not just financially but ethically as well. We see ethical considerations as part of good decision-making, not a separate exercise or a fixed label.
There is no single definition of “ethical investing”, and trade-offs are often involved. Our role is to help you understand those trade-offs, explore what matters to you, and make informed choices that align with your values as well as your financial goals.
If ethical investing is important to you, it becomes part of the conversation - always in the context of your wider plan.
We started working with Moneyworks many years ago, and about eight years ago decided we wanted to be more actively involved in the ongoing planning process.
At the time, we expected financial planning to be heavily focused on saving hard for retirement, rather than balancing that with enjoying life along the way.
What we have now are clear and well-defined goals. We particularly value the annual review process and the easy-to-understand documents, which make it clear where we are at and help us feel confident about the decisions we’re making.
Tamsin and Rex Webb – Cambridge
Moneyworks NZ Ltd
P: 0800 225 621
E: contact@moneyworks.co.nz
7c Hall Street, Cambridge 3434
Licensed Financial Advice Provider - FSP 15281
Regulatory Information: Moneyworks is a Licensed Financial Advice Provider (FSP15281), and AML Reporting Entity and is supervised by the Financial Markets Authority.