Building a life together means sharing dreams, earnings, and responsibilities. Retirement planning for couples multiply the opportunities to create wealth, yet it can also magnify the complexity. Different salaries, risk appetites, and timelines all need harmonising. At Earnslaw Goodlight we specialise in crafting retirement strategies that blend two sets of goals into one clear roadmap, so you can enjoy a secure and fulfilling future side by side.
Salary gaps and career breaks can skew KiwiSaver balances and investment capacity.
One partner may be comfortable with growth assets, while the other prefers certainty with their money.
Mortgages, personal loans, and children’s education costs require coordinated repayment tactics.
Decisions on wills, enduring powers of attorney, and beneficiary structures must protect both partners and any dependants.
Ideal retirement ages, preferred locations, and travel ambitions may not match without discussion as a couple.
These factors call for a retirement plan that is flexible, transparent, and designed to respect both voices equally.
KiwiSaver remains the cornerstone for retirement planning in New Zealand. Couples gain more by coordinating contributions:
Diversification outside KiwiSaver builds additional returns. Our advisors construct and manage private portfolios that reflect your combined goals:
We model scenarios showing the effect of contributing different amounts from each partner and recommend automatic transfers timed with pay cycles.
Protecting your family and clarifying wishes avoids stress later on:
Goal alignment workshops
We facilitate conversations that surface shared and individual dreams, then translate them into numbers.
Cash-flow modelling
Our software illustrates how different contribution levels, property purchases, or career breaks affect retirement age.
Independent advice
As a fee-only firm, we recommend products on merit, not commissions.
Tax-efficient strategies
Collaboration with accountants ensure investments and KiwiSaver drawdowns minimise tax.
Ongoing reviews
Half-yearly check-ins adjust the plan for promotions, new family addition, or market shifts.
An obligation-free meeting to map joint values, risk comfort, and future lifestyle aspirations.
We analyse current assets, project future earnings, and present a written plan covering KiwiSaver, investment mix, debt strategy, and insurance.
Account openings, policy adjustments, and automatic transfer setups handled with minimal paperwork for you.
Annual progress reports keep both partners up to date. Support is always a phone call away.
This structured approach gives couples clarity, accountability, and peace of mind.
We start with a joint discussion to find a middle ground. In many cases separate accounts can hold different mixes while still aiming for the same overall goal.
Yes. Cash-flow buffers and flexible KiwiSaver contributions ensure your retirement trajectory stays on track during income gaps.
Each KiwiSaver account must remain individual by law, yet we can coordinate fund choice and contribution levels to balance outcomes.
All advice includes a clear record of each partner’s contributions and entitlements. We can assist with a fair division of assets in line with relationship-property rules.
A shared retirement vision strengthens your partnership today while laying the groundwork for tomorrow’s adventures. Let Earnslaw Goodlight bring professional structure and independence to your financial planning and wealth management journey.
Ready to take control of your financial future? Contact us today and let’s start building your personalized wealth management plan.
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