Caring for others is second nature to you. Caring for your own long-term financial wellbeing deserves the same attention. Shift work, overtime allowances, and continuing professional development make life in a public or private hospital rewarding yet demanding. Earnslaw Goodlight builds retirement strategies that let doctors and nurses step away from the wards on their own terms, confident that decades of service will fund an active, fulfilling future.
Base salary is steady, but on-call payments, overnight shifts, and locum work can create fluctuating cash flow that complicates regular savings.
Student loans for medical or nursing degrees often linger, reducing take-home pay during the first critical saving years.
Clinical work can become harder with age, so an earlier retirement age may be desirable compared with other professions.
Some DHBs contribute to compulsory superannuation funds; others rely solely on KiwiSaver. Understanding each option helps maximise every employer dollar.
Financial protection extends beyond income replacement to safeguarding personal assets against legal claims.
These factors call for a retirement plan that integrates hospital benefits, personal goals, and risk management into one cohesive blueprint.
Your hospital may either enrol you in a defined-contribution super plan or top up KiwiSaver. We help you:
Relying solely on KiwiSaver or a hospital pension risks short-fall. Our advisors design and manage private portfolios that mature alongside your career:
We rebalance twice a year, ensuring allocations stay in tune with market conditions and personal milestones.
Shift work can amplify burnout. We set up liquid “sabbatical funds” so you can reduce hours or undertake overseas fellowships without derailing the retirement trajectory.
Specialist insights
Our advisors understand collective agreements, MECA changes, and DHB structures.
Flexible cash-flow modelling
We incorporate rostered overtime, weekend loadings, and part-time years into retirement projections.
Tax-efficient planning
Coordination with your accountant ensures allowances like meal payments or uniform stipends are used effectively.
Independent product selection
We receive no commissions, so every recommendation is based on merit.
Ongoing reviews
Half-yearly check-ins adapt the plan for promotions, fellowship travel, or new clinical specialities.
An obligation-free meeting to map your goals, roster pattern, and preferred retirement age.
Detailed analysis of employer schemes, KiwiSaver funds, debt, and insurance gaps, delivered in a written roadmap.
We handle fund switches, policy adjustments, and automatic transfer setups so you remain focused on patient care.
Annual progress reports plus on-call support for sudden roster changes or legislation updates.
This structured approach provides clarity and accountability from intern year to consultancy and beyond.
We ring-fence a percentage of each locum payment for KiwiSaver top-ups and a diversified fund, smoothing cash-flow while accelerating retirement savings.
Joint goals gain efficiency, but each KiwiSaver must stay individual. We coordinate contribution levels, investment risk, and insurance so both partners reach retirement simultaneously
Hospital schemes are valuable, yet often capped. Modelling shows many professionals still face a gap after accounting for inflation and lifestyle goals. A parallel investment portfolio closes that money gap.
Standard indemnity covers professional negligence. Personal umbrella liability protects household assets against claims that fall outside medical practice, offering an extra layer of security.
You dedicate your career to improving the health of others. Let Earnslaw Goodlight dedicate our expertise to safeguarding your financial planning. Speak with a Cambridge-based advisor serving medical professionals nationwide and learn how flexible, independent guidance can convert shift work into lasting wealth.
