https://www.moneyplan.co.nz/blog/ Financial planning insights for New Zealanders from Luis Silva, MoneyPlan. en-nz https://www.moneyplan.co.nz/blog/upsizing-the-family-home/ https://www.moneyplan.co.nz/blog/upsizing-the-family-home/ Wed, 21 Oct 2026 11:00:00 GMT upsizing-the-family-home 2026-10-22 The bank says what you can borrow, not what you should. Six questions to answer before upsizing the family home, so it doesn't cost you your retirement. https://www.moneyplan.co.nz/blog/where-can-i-get-one-off-investment-advice-in-new-zealand/ https://www.moneyplan.co.nz/blog/where-can-i-get-one-off-investment-advice-in-new-zealand/ Fri, 16 Oct 2026 11:00:00 GMT where-can-i-get-one-off-investment-advice-in-new-zealand 2026-10-17 You do not need an ongoing adviser or a full plan to get a second opinion. Here are your options in New Zealand, and what to ask before you book. https://www.moneyplan.co.nz/blog/fee-only-vs-commission-financial-adviser-nz/ https://www.moneyplan.co.nz/blog/fee-only-vs-commission-financial-adviser-nz/ Thu, 15 Oct 2026 11:00:00 GMT fee-only-vs-commission-financial-adviser-nz 2026-10-16 A fee-only adviser is paid only by you. A commission adviser is paid by the product provider. Here is the difference, and what both must disclose in NZ. https://www.moneyplan.co.nz/blog/how-much-does-a-financial-adviser-cost-in-nz/ https://www.moneyplan.co.nz/blog/how-much-does-a-financial-adviser-cost-in-nz/ Thu, 15 Oct 2026 11:00:00 GMT how-much-does-a-financial-adviser-cost-in-nz 2026-10-16 What a financial adviser costs in NZ: about $2,000 to $4,000 for a plan, $250 to $300 an hour, or 0.25% to 1.5% a year. 'Free' advice is paid by commission. https://www.moneyplan.co.nz/blog/how-to-choose-a-financial-adviser-in-nz/ https://www.moneyplan.co.nz/blog/how-to-choose-a-financial-adviser-in-nz/ Thu, 15 Oct 2026 11:00:00 GMT how-to-choose-a-financial-adviser-in-nz 2026-10-16 How to choose a financial adviser in NZ: check the FSP Register, ask how they are paid, get scope and fee in writing, and confirm their dispute scheme. https://www.moneyplan.co.nz/blog/i-ve-rebuilt-moneyplan-around-one-idea/ https://www.moneyplan.co.nz/blog/i-ve-rebuilt-moneyplan-around-one-idea/ Tue, 06 Oct 2026 11:00:00 GMT i-ve-rebuilt-moneyplan-around-one-idea 2026-10-07 An expert set of eyes on your finances, a clear and prescriptive plan, and the confidence that your next decisions are the right ones for you. https://www.moneyplan.co.nz/blog/you-don-t-need-a-budget-you-need-a-system-that-runs-without-you/ https://www.moneyplan.co.nz/blog/you-don-t-need-a-budget-you-need-a-system-that-runs-without-you/ Mon, 14 Sep 2026 11:00:00 GMT you-don-t-need-a-budget-you-need-a-system-that-runs-without-you 2026-09-15 Budgets fail because they rely on daily willpower, a well-built system succeeds because you only have to make the decision once. https://www.moneyplan.co.nz/blog/ai-is-changing-who-produces-wealth-the-important-question-is-who-gets-to-keep-it/ https://www.moneyplan.co.nz/blog/ai-is-changing-who-produces-wealth-the-important-question-is-who-gets-to-keep-it/ Thu, 13 Aug 2026 11:00:00 GMT ai-is-changing-who-produces-wealth-the-important-question-is-who-gets-to-keep-it 2026-08-14 As AI reshapes how wealth is produced, owning a stake in that production matters more than ever, and a good income alone is no longer enough. https://www.moneyplan.co.nz/blog/when-should-a-health-professional-start-working-with-a-financial-adviser/ https://www.moneyplan.co.nz/blog/when-should-a-health-professional-start-working-with-a-financial-adviser/ Tue, 11 Aug 2026 11:00:00 GMT when-should-a-health-professional-start-working-with-a-financial-adviser 2026-08-12 Most people wait until things feel settled before getting financial advice, but the earlier years are usually where a plan compounds the most. https://www.moneyplan.co.nz/blog/financial-anxiety-isn-t-about-how-much-you-earn/ https://www.moneyplan.co.nz/blog/financial-anxiety-isn-t-about-how-much-you-earn/ Mon, 22 Jun 2026 11:00:00 GMT financial-anxiety-isn-t-about-how-much-you-earn 2026-06-23 Income and financial security are not the same thing, and understanding the difference is often the first step toward actually feeling secure. https://www.moneyplan.co.nz/blog/ai-can-talk-about-your-money-but-can-it-advise-on-it/ https://www.moneyplan.co.nz/blog/ai-can-talk-about-your-money-but-can-it-advise-on-it/ Wed, 27 May 2026 11:00:00 GMT ai-can-talk-about-your-money-but-can-it-advise-on-it 2026-05-28 AI chatbots are useful for financial education, but being informed is not the same as being advised, and that gap is where a real adviser earns their place. https://www.moneyplan.co.nz/blog/five-questions-to-ask-before-you-take-any-financial-advice/ https://www.moneyplan.co.nz/blog/five-questions-to-ask-before-you-take-any-financial-advice/ Wed, 27 May 2026 11:00:00 GMT five-questions-to-ask-before-you-take-any-financial-advice 2026-05-28 Before you act on any financial advice, five straightforward questions will tell you a lot about who you're actually talking to. https://www.moneyplan.co.nz/blog/personal-story-financial-independence-case-study/ https://www.moneyplan.co.nz/blog/personal-story-financial-independence-case-study/ Tue, 12 May 2026 11:00:00 GMT personal-story-financial-independence-case-study 2026-05-13 Reaching financial independence before 50 taught me less about specific decisions than about the handful of principles that make those decisions easier. https://www.moneyplan.co.nz/blog/you-earned-it-now-make-it-work/ https://www.moneyplan.co.nz/blog/you-earned-it-now-make-it-work/ Mon, 04 May 2026 11:00:00 GMT you-earned-it-now-make-it-work 2026-05-05 The gap between earning well and having a real financial plan is rarely about discipline, it's usually that no one has ever sat down and built the blueprint. https://www.moneyplan.co.nz/blog/the-financial-cost-of-waiting-what-one-more-year-actually-costs-you/ https://www.moneyplan.co.nz/blog/the-financial-cost-of-waiting-what-one-more-year-actually-costs-you/ Tue, 21 Apr 2026 11:00:00 GMT the-financial-cost-of-waiting-what-one-more-year-actually-costs-you 2026-04-22 Delay has a real, compounding cost, and a simple hypothetical example makes it visible instead of abstract. https://www.moneyplan.co.nz/blog/insurance-for-doctors-and-health-professionals-in-nz-what-you-actually-need-and-what-you-don-t/ https://www.moneyplan.co.nz/blog/insurance-for-doctors-and-health-professionals-in-nz-what-you-actually-need-and-what-you-don-t/ Sun, 12 Apr 2026 11:00:00 GMT insurance-for-doctors-and-health-professionals-in-nz-what-you-actually-need-and-what-you-don-t 2026-04-13 A general guide to the categories of personal insurance worth assessing, and why that assessment should happen before any policy is chosen. https://www.moneyplan.co.nz/blog/you-earn-well-so-why-does-it-feel-like-it-s-never-quite-enough/ https://www.moneyplan.co.nz/blog/you-earn-well-so-why-does-it-feel-like-it-s-never-quite-enough/ Tue, 07 Apr 2026 11:00:00 GMT you-earn-well-so-why-does-it-feel-like-it-s-never-quite-enough 2026-04-08 As income rises, the definition of enough tends to quietly rise with it, and the fix is naming a number in writing before your lifestyle does it for you. https://www.moneyplan.co.nz/blog/what-the-middle-east-crisis-means-for-your-finances-right-now/ https://www.moneyplan.co.nz/blog/what-the-middle-east-crisis-means-for-your-finances-right-now/ Tue, 24 Mar 2026 11:00:00 GMT what-the-middle-east-crisis-means-for-your-finances-right-now 2026-03-25 When a geopolitical crisis dominates the headlines, the biggest risk to your finances is usually reacting to the news, not the event itself. https://www.moneyplan.co.nz/blog/ai-is-making-me-rethink-how-to-invest/ https://www.moneyplan.co.nz/blog/ai-is-making-me-rethink-how-to-invest/ Tue, 17 Mar 2026 11:00:00 GMT ai-is-making-me-rethink-how-to-invest 2026-03-18 A few huge AI-linked companies now drive an outsized share of index returns. Here is what that concentration means for real diversification. https://www.moneyplan.co.nz/blog/what-does-a-financial-planfor-a-health-professional-actually-look-like/ https://www.moneyplan.co.nz/blog/what-does-a-financial-planfor-a-health-professional-actually-look-like/ Thu, 26 Feb 2026 11:00:00 GMT what-does-a-financial-planfor-a-health-professional-actually-look-like 2026-02-27 A walk through the real sections of a financial plan, using a clearly hypothetical example, so you know what you're actually paying for. https://www.moneyplan.co.nz/blog/the-modern-investing-made-simple/ https://www.moneyplan.co.nz/blog/the-modern-investing-made-simple/ Mon, 16 Feb 2026 11:00:00 GMT the-modern-investing-made-simple 2026-02-17 A simple, low-cost 3-fund portfolio is often a better starting point than a complicated one, and the fees you pay matter more than most people realise. https://www.moneyplan.co.nz/blog/financial-diagnostic-for-health-professionals/ https://www.moneyplan.co.nz/blog/financial-diagnostic-for-health-professionals/ Tue, 03 Feb 2026 11:00:00 GMT financial-diagnostic-for-health-professionals 2026-02-04 For people in demanding, high-responsibility careers, the problem with money usually isn't a lack of knowledge, it's a lack of bandwidth. https://www.moneyplan.co.nz/blog/the-best-that-money-can-buy-is-freedom-rich-vs-free-for-health-professionals/ https://www.moneyplan.co.nz/blog/the-best-that-money-can-buy-is-freedom-rich-vs-free-for-health-professionals/ Mon, 26 Jan 2026 11:00:00 GMT the-best-that-money-can-buy-is-freedom-rich-vs-free-for-health-professionals 2026-01-27 Rich and free are not the same thing, and building genuine freedom takes a different set of decisions than building the appearance of wealth. https://www.moneyplan.co.nz/blog/crafting-a-successful-financial-plan-for-financial-plan-success/ https://www.moneyplan.co.nz/blog/crafting-a-successful-financial-plan-for-financial-plan-success/ Mon, 19 Jan 2026 11:00:00 GMT crafting-a-successful-financial-plan-for-financial-plan-success 2026-01-20 What actually makes a financial plan work is the order you do things in, not the tools you use once it's built. https://www.moneyplan.co.nz/blog/streamline-your-finances-with-online-financial-tools/ https://www.moneyplan.co.nz/blog/streamline-your-finances-with-online-financial-tools/ Tue, 13 Jan 2026 11:00:00 GMT streamline-your-finances-with-online-financial-tools 2026-01-14 The right categories of tools, set up once and largely automated, do more for your finances than any amount of manual tracking.