No one wants to work forever.
Planning for your retirement now means you can enjoy your later years without financial stress and with the freedom to do more of what you love.
Retirement isn’t just about stopping work. It is about building the life you have imagined, with time for family, travel, or simply the ability to relax, knowing you’re financially secure.
Why start planning early
The sooner you start, the more control you have. Your retirement income will likely come from several sources, including KiwiSaver, personal savings, and possibly other investments.
Early in retirement, many people spend more than they did while working, catching up on experiences and enjoying new freedoms. Later, costs like healthcare can rise sharply. NZ Superannuation alone is not designed to cover everything. Additional savings and smart investment choices are essential.
Is KiwiSaver enough?
For most New Zealanders, KiwiSaver alone will not fully fund a comfortable retirement. At Lifetime, we can help you assess whether your current strategy is on track and, if not, establish additional options to fill the gap.
We help you understand:
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What your likely retirement income looks like.
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How inflation and longevity might affect your savings.
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The mix of investment options that suits your risk profile and goals.
Don’t forget your insurance
Debt levels and family commitments often extend well into our later years. You may need to keep your Life and Trauma Insurance longer than you planned — but premiums rise steeply with age.
We can help you decide if level premiums (which stay the same over time) are right for you, protecting your cover without annual price jumps.
We can help you decide if level premiums (which stay the same over time) are right for you, protecting your cover without annual price jumps.
It’s never too early or too late
Whether you are just starting your career, in your peak earning years, or thinking seriously about retirement, the best time to plan is now.
Even if retirement feels far away, those in their 20s or 30s face a different future one where government support may not stretch as far. A clear plan now can make a world of difference later.
How Lifetime can help
We will work with you to:
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Assess your full financial position.
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Estimate how much you’ll need for the retirement lifestyle you want.
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Build a step-by-step plan to get you there.
Ready to start your plan?
Retirement doesn’t happen by accident.
Let’s make a plan that gives you confidence about the years ahead.
Book a free initial consultation today
