Your whole financial plan, in one place

One private place for your whole plan

Most advice ends with a PDF in your inbox and good intentions. A MoneyPlan plan lives in your own private Hub: your goals, the actions we agreed, your Statement of Advice, your budget and projections, all one sign-in away.

You sign in with a one-time code sent to your email. No app to install and no password to remember, on your phone or your computer.

• Your progress at a glance
• What is coming up next, and when
• Your next review date

Every agreed action, tracked to done

Each recommendation becomes a clear action with a due date and an owner: you, me, or a partner such as a mortgage or insurance broker. You tick off your own actions as you go, and I can see where you are up to before we talk.

• Due dates and owners for every step
• Linked to the goal it serves
• Overdue items stand out, so nothing quietly slips

A clear picture of spending, not a guess

Before anything gets recommended, we build an accurate picture of income, spending and cash flow in PocketSmith, instead of working from memory or a rough budget. This is usually where the surprises show up: forgotten subscriptions, a savings rate that looked fine on paper but was not happening, money "saved" but sitting idle.

Your Hub links straight to your budget, so it stays part of the plan rather than another login to remember.

• Spending by category
• Budget versus actual, week by week
• Opened from your Hub in one click

Test decisions before you make them

Once the current picture is accurate, we model it forward in ProjectionLab: retiring at 60 versus 65, raising KiwiSaver contributions now or later, what a career break or a lump sum would really do. The point is not a single prediction. It is seeing the range of realistic outcomes clearly enough to decide with confidence.

• Net worth year by year, by account
• Side-by-side scenarios
• Linked from My Plan in your Hub

Advice in writing, with the reasoning shown

Everything feeds into your Statement of Advice: the regulated document that sets out my recommendations, the reasons for them and what they are based on. It starts with your plan on one page, so you always know what to do first.

It sits in your Hub alongside the actions it created, so the advice and the follow-through never drift apart.

• Your plan on one page
• Ranked recommendations with reasons
• The document you can hold your adviser to

Documents signed and kept in one place

Your engagement letter and disclosure statement are read and signed right in the Hub. Your plan documents are kept in a private folder shared only with you, linked from My Files, so you are never searching old emails for the latest version.

• Sign documents online
• A private folder, shared only with you
• The latest version, always