What does the future look like, or more importantly, what do you want it to look like?
Many of us have longer term financial goals, buy a home, pay off the mortgage or help the children, but have no way of knowing if these things can be achieved.
We get caught up with the immediate concerns of our lives and often do not look at what impact our day to day decisions can have long term
Wouldn’t it be great to have a look at what your future could look like?
Let us have a look at what you are doing, where you want to be and how you think you will get there. Basically, tip your picnic on the table and see what we have got.
Changing the car, getting married, having a child, living on one income, worried about the mortgage or what retirement could look like down the track.
Seems allot to put together, we can help
After establishing some things you want to do or achieve with your Lifestyle, personally and financially,
We look at
Cashflow - what you earn, where you money goes and discuss some of the life costs that you may not have considered.
Debt management - If you have a mortgage or debt, how is that put together - could there be a better way? Buy a batch, renovate your home, drop to one income, or reduce working hours. What financial impact do these decisions have long and short term?
Estate planning - “Always meant to get onto this” is a common comment. It all seems a bit daunting. Let us show you how easily these can be tidied up. Wills, Powers of Attorney, Relationship agreements.
Death and Disability - Knowing you have a back up plan to hold things together when life turns an unexpected corner. Do you use your own resources, take out insurance, borrow off relatives. Let’s get a plan sorted that fits in with the whole picture, your picture.
KiwiSaver, Investments, Savings - How do these all fit in with what we really want. What do these things look like longterm and how will they contribute to my future plans?
Retirement - how much is enough, what will mine look like, how long do I have to work for?
How do we combine all these things together?
Lifetime Cash Flow Planning
This process can transform your understanding of your financial situation
It is a tool that lets you plot out and visualise different areas of your life to see if you are on track or if any areas need attention.
This will give you the confidence to make lifestyle financial decisions understanding the positive or negative outcomes.
We make the process simple - you tell us what you want to achieve and where you want to be, we will ask you some questions, gather some relevant financial information and throw this into our Lifetime Cashflow software. We can then easily see the impact of your financial decisions on your finances long and short term - very cool.
We can then build different scenarios: a few are listed below- we call these what if scenarios
Have a baby - drop to one income
Renovate the home - increase debt
Early retirement
Become sick and cannot work
Die
Buy an investment property
Sale of a business or looking at what your business needs to be doing to support your financial world
There has never been a better time to sit down and discuss your financial security, where you are going and how you are going to get there.
Everyone is different, no two people are the same.
At coltman you can be assured your experience will be as unique and individual as you are. We work together with you to provide a solution that offers control, cash flow and certainty. No package deals, no one-size-fits-all approach.
Let’s give you the confidence to make Lifestyle and financial decisions