Every school year, you invest time, energy, and passion helping tamariki reach their potential. Your own future deserves the same level of planning. From fixed salary scales to study leave and classroom resource planning costs, a teaching career raises special questions about funding life after the final bell rings. Earnslaw Goodlight designs retirement strategies that translate years of service into reliable, flexible income so you can enjoy the next chapter with confidence.
Automatic annual increments, management units, and area or isolation allowances change income gradually, making contribution rates a moving target.
Career breaks can interrupt KiwiSaver contributions and slow balance growth.
Flexible hours support work–life balance, yet they may reduce employer KiwiSaver payments.
Extra cash from holiday tutoring or seasonal work offers saving opportunities that can slip by without proper structure.
Couples working across different pay scales need coordinated goals and insurance coverage.
These factors require a retirement plan that adapts with each pay scale jump, leave period, and extra-curricular income stream.
Most boards of trustees contribute at least 3% to KiwiSaver. We help you:
KiwiSaver alone may not fund the lifestyle you picture. Our advisors build and manage an investment portfolio that works in the background while you teach:
Twice-yearly reviews keep allocations on track and fees low.
Classrooms expose staff to illness, stress, and accidents. A tailored insurance framework keeps finances on course:
Many educators plan sabbaticals or overseas exchanges. We create liquid “PD funds” so you can upskill without dipping into long-term retirement capital.
Education-specific knowledge
We understand collective agreements, pay equity adjustments, and the effect of management units on cash flow.
Flexible contribution modelling
Our software shows how changing from full-time to part-time or taking leave affects retirement dates.
Tax-efficient planning
Coordination with your accountant ensures untaxed classroom allowances and reimbursed expenses are used wisely.
Independent, fee-only advice
Recommendations are driven by your goals, not commissions.
Nationwide service
Meet online or in person from Auckland to Invercargill, fitting around your timetable.
What Happens:
We map joint or individual goals, career plans, and risk comfort
Your Benefit:
Clarity on the destination
What Happens:
Written plan covering KiwiSaver, investments, insurance, and debt
Your Benefit:
Confidence the numbers work
What Happens:
Paperwork handled for fund switches, policy tweaks, and automatic transfers
Your Benefit:
Time saved so you stay focused on students
What Happens:
Half-yearly updates and on-call support for pay scale changes or policy shifts
Your Benefit:
Peace of mind your plan evolves with life
This structured approach gives couples clarity, accountability, and peace of mind.
Yes. KiwiSaver follows you, but new boards must update payroll systems. We monitor each move and confirm employer payments flow correctly.
You can request a “savings suspension”, yet we often suggest small voluntary payments to keep momentum and collect the tax credit.
Salary progression and KiwiSaver help, yet modelling shows many teachers face a gap once inflation is factored in. A supplementary investment plan closes that gap.
We outline options for leaving KiwiSaver intact, transferring to an overseas scheme, or drawing down after five years living abroad.
You inspire young minds; let Earnslaw Goodlight inspire a future where your own aspirations thrive. Speak with an advisor today and discover how flexible, independent guidance can turn your dedication into lasting financial security.
