Going into retirement is not the January holidays: a few weeks away and then back to normal. This is a major life transition and it's for keeps. Few of us think of retirement as a 20 or 30-year period of our life that will see our wants, needs and finances change. But the reality is that retirement doesn't happen on a single day. It's a transition that takes place over a long period of time. In the New Zealand Retirement Guide, best-selling finance writer Martin Hawes leads New Zealanders through the task of planning for a retirement that will deliver them the best years of their life. By focusing on where you will live, the kind of lifestyle you will have, how much income you will receive and how you could spend it, Hawes provides the key to enjoying a rewarding and stress-free retirement. Practical examples, case studies and helpful links to website resources make this an indispensible guide for anyone thinking about retirement, as well as for retirees wanting to prepare for the next stage of their life. By following Martin Hawes' advice and getting your finances under control, you'll be well on the way to realising your dreams in retirement.

Read this one book, set up your money, and get on with your life! Find out what many in the financial world don't want you to know. Laid-back investing is not only easier, it can actually make you richer. Learn how to kill off debt, curb spending, find your best KiwiSaver fund, save painlessly, buy a house or be happy not buying one, and move confidently towards and through retirement (hint: you don't need $1 million). You'll also learn why it's best to 'set and forget' your investments. And why, beyond a certain point, having more money is not the key to happiness. Unlike many writers of finance books, Mary is not selling anything (except this book!). She just wants you to do well. She's on your side. 'Mary has that rare ability to cut through the jargon to what really matters. She combines expert wisdom and real-world insights, with fantastic results!' DIANE MAXWELL, RETIREMENT COMMISSIONER 'Mary Holm is in the first rank of New Zealanders offering simple and wise advice to those who want to take effective steps to secure their future financial wellbeing. This straightforward guide should help ordinary Kiwis navigate their way through the various traps they can fall into.' SIR MICHAEL CULLEN, FORMER DEPUTY PRIME MINISTER and MINISTER OF FINANCE

New Zealand Retirement Planning Secrets How to Retire Without the Stress and Worry Introduction In the introduction, readers are welcomed to the world of retirement planning and the core concepts explored throughout the book. Though this book is written in New Zealand, most of the strategies can be utilised worldwide. Chapter 1: Why Money Management is So Important This chapter highlights the significance of effective money management in achieving a stress-free retirement. Readers learn about the foundational principles of financial literacy and its impact on retirement planning. Chapter 2: Who This Book is Not For Here, the author defines the audience that may not find the book suitable for their needs, ensuring clarity for potential readers. Chapter 3: Who is This Book For & How Could it Change Their Life? Readers discover the book's target audience and explore the potential life-changing benefits of implementing its strategies. Chapter 4: Are You Willing to Change? This chapter challenges readers to reflect on their readiness to embrace change and adopt new financial habits for a secure retirement. Chapter 5: What Do You Want? Provides guidance on clarifying retirement goals and aspirations, laying the groundwork for effective financial planning. Chapter 6: Get Money-Smart Readers delve into the importance of financial literacy and are equipped with practical tools to enhance their money management skills. Chapter 7: Organize Your Money focuses on budgeting, debt management, and living within one's means, essential to successful retirement planning. Chapter 8: Get Yourself Debt-Free Readers learn about distinguishing between good and bad debt, creating repayment plans, and making informed decisions regarding loans and mortgages. Chapter 9: Identify and Manage Threats Various threats to retirement security are identified, along with strategies for mitigating risks through emergency funds, trusts, insurance, and diversified investments. Chapter 10: Investing: Make Your Money Grow Provides a comprehensive guide to investing, covering asset selection, investment duration, portfolio organisation, common excuses for avoiding investment, and FAQs. Chapter 11: Get Your Affairs in Order Readers are encouraged to address essential legal matters such as wills, power of attorney, and financial arrangements for children, ensuring peace of mind for the future. Chapter 12: Seek Expert Advice This chapter offers guidance on selecting the right financial adviser, utilising technology and monitoring tools, and understanding adviser compensation models. Chapter 13: My Happy Clients Testimonials from satisfied clients of The Advice Hub are shared, highlighting the benefits of professional financial guidance and support. Chapter 14: The Advice Hub Readers are introduced to The Advice Hub, its team, services, and commitment to assisting clients in creating personalised retirement plans and accessing financial education seminars. Conclusion: What Next? The book encourages readers to take proactive steps toward their retirement goals, armed with newfound knowledge and empowered by expert guidance.

** Reviewed and updated for the 2020-2021 financial year** This is the only money guide you'll ever need That's a bold claim, given there are already thousands of finance books on the shelves. So what makes this one different? Well, you won't be overwhelmed with a bunch of 'tips' ... or a strict budget (that you won't follow). You'll get a step-by-step formula: open this account, then do this; call this person, and say this; invest money here, and not there. All with a glass of wine in your hand. This book will show you how to create an entire financial plan that is so simple you can sketch it on the back of a serviette ... and you'll be able to manage your money in 10 minutes a week. You'll also get the skinny on: Saving up a six-figure house deposit in 20 months Doubling your income using the 'Trapeze Strategy' Saving $78,173 on your mortgage and wiping out 7 years of payments Finding a financial advisor who won't rip you off Handing your kids (or grandkids) a $140,000 cheque on their 21st birthday Why you don't need $1 million to retire ... with the 'Donald Bradman Retirement Strategy' Sound too good to be true? It's not. This book is full of stories from everyday Aussies — single people, young families, empty nesters, retirees — who have applied the simple steps in this book and achieved amazing, life-changing results. And you're next.

"I don't love this job anymore, but should I stay for the pension?" This gut-wrenching question is common for many people working in pensionable careers. But how much is your pension worth? And, is staying worth it? Since 2017, Grumpus Maximus has researched and written about this critical decision point, which he calls The Golden Albatross. Having served 20 years in the U.S. Military, he too struggled with the same questions, and now he helps others learn from his mistakes. If your job offers a pension, then this book is a must-read. Easily learn how to calculate your pension's objective value and weigh it against the subjective benefits of leaving for more fulfilling work. When done, you will agree, it was worth it.

Foreword by Rt. Hon, Helen Clark -- Don Menton -- a tribute -- Acknowledgments -- Author's introduction -- Map of New Zealand and its offshore islands -- Aotearoa New Zealand -- an introduction -- Map of New Zealand -- Conservation and alien species -- Identification notes -- Abbreviations -- Bird typography -- Seabirds -- Waterside and wetland birds -- Landbirds -- Extinct bird species -- Notes for the visitor -- National parks and protected areas -- Birding tour operators -- Useful environmental and conservation organisations.

Are you feeling apprehensive as you approach retirement? Do you have concerns about the volatile pensions industry, Brexit, or simply about what retirement actually entails? Whatever your thoughts, this is the book to help you plan a retirement that is enjoyable and stress-free. In retirement, personal ambitions can be realized and new experiences enjoyed, yet with so much to consider in such turbulent times, people are often unsure how best to plan for their future. The Good Retirement Guide 2022 is here to help, offering clear and concise information to help readers navigate the uncertainty of pre-retirement planning in the UK. Updated for the new financial year, The Good Retirement Guide 2022 includes the latest information on finance (investments, pensions, annuities and drawdown, benefits and tax), housing and health, as well as advice on the impact of Brexit on retiring abroad, the challenges of early retirement, looking after elderly parents and best practice on starting a business. This is a book that will help you to save more, feel secure and retire happier.