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CASH & DEBT MANAGEMENT

Feel like you’re barely keeping your head above water?

When it comes to managing our daily cash flow, some of us may feel as if we’re barely keeping our heads above water.  Even those with a high household income may struggle to comprehend where their money goes.  Effective cash flow and debt management are vital, go hand in hand, and form the foundation of your wealth management plan.

BENEFITS OF CASH FLOW & DEBT MANAGEMENT ADVICE

Your wealth planner will work with you to analyse your income, expenses, and day-to-day cash flow to identify opportunities for you to:

  • ✅  PAY OFF YOUR MORTGAGE & OTHER DEBT FASTER
  • ✅  SAVE ADDITIONAL FUNDS
  • ✅  GENERATE SURPLUS INCOME &
  • ✅  ADVISE ON WHETHER YOU SHOULD USE THOSE FUNDS TO
    (a) Contribute more to KiwiSaver or other investments
    (b) Build up a cash reserve
    (c) Pay down debt

BENEFITS OF CASH FLOW & MORTGAGE / DEBT MANAGEMENT ADVICE

Your wealth planner will work with you to analyse your income, expenses, and day-to-day cash flow to identify opportunities for you to:

  • ✅  PAY OFF YOUR MORTGAGE & OTHER DEBT FASTER
  • ✅  SAVE ADDITIONAL FUNDS
  • ✅  GENERATE SURPLUS INCOME &
  • ✅  ADVISE ON WHETHER YOU SHOULD USE THOSE FUNDS TO
    (a) Contribute more to KiwiSaver or other investments
    (b) Build up a cash reserve
    (c) Pay down debt

GOOD AND BAD DEBT

Borrowing money to buy quickly depreciating assets soley for consumption is considered “bad debt”.  


Conversely, “good debt”, is generally considered money that’s been borrowed to purchase assets that can appreciate over time and boost your net wealth (e.g. property). 


We’ll look at the amount of good and bad debt you have and advise you on suitable adjustments in your debt management plan.

Turn your debt around. Book a Debt Review now!

BOOK INTRODUCTORY CALL

DEBT MANAGEMENT QUESTIONS

Assuming you have chosen to focus on reducing your debts you may have the following questions:

Knowing which debts to prioritise first is difficult for most people and can cause a lot of stress.  Credit card debt, home loan and investment property loans all have different characterics that mean some debt should be paid off first.  We conduct a mortgage repayment analysis and forecast different scenarios to come up with your most optimal debt payoff strategy.

GET YOUR CASH FLOW & DEBT UNDER CONTROL

Getting help from a skilled specialist can make all the difference in the world and turn your cash flow situation around.  


Your wealth planner will look at your household cash flow arrangements with fresh eyes and bring their knowledge and expertise to bear.  


They’ll look for ideas and solutions that will bring your finances under control and truly get you where you want to go.

Need a Cash & Debt Management Adviser?

Book a free (no obligation) introductory call now

BOOK INTRODUCTORY CALL

“Retirement planning is a journey and lifelong process requiring regular monitoring, review and adjustments to keep your retirement on track.  It’s essential at every life stage.”  

 
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