Total Wealth

Total Wealth Total Wealth helps Kiwis make smarter money decisions. Wealth Planning, Home loans, KiwiSaver, retirement and insurance. Based in Christchurch helping NZ wide.

Friendly expert advice with wider support from a stronger team. www.totalwealth.co.nz At Total Wealth, we help everyday New Zealanders make smarter financial decisions with clear, friendly advice. Whether you're buying your first home, reviewing your mortgage, growing your KiwiSaver, planning retirement, protecting your family, or building long-term wealth, our experienced team is here to guide yo

u every step of the way. Born from the coming together of Friendly Finance and Total Wealth, we bring together wider expertise, more support, and a stronger team - all with the same personal service our clients know and trust. Based in Christchurch, helping clients across New Zealand. Friendly advice. Smarter strategies. Better futures.

KiwiSaver has changed -but has your strategy changed with it?From April 2026, the default employee and employer contribu...
23/06/2026

KiwiSaver has changed -but has your strategy changed with it?
From April 2026, the default employee and employer contribution rate moved from 3% to 3.5%, with another increase to 4% planned from April 2028.

For some people, that is a helpful step towards building more for retirement.

For others, it raises questions about take-home pay, affordability and whether their current fund still suits their goals.
KiwiSaver is not something to “set and forget” for years.

Your fund type, contribution rate and long-term plan can make a real difference - whether you are saving for your first home or planning for retirement.

At Total Wealth, we can review your KiwiSaver and help you understand whether it is working hard enough for your future.
Start with a free chat over a coffee ☕

Book today, no obligation, just friendly help: https://app.acuityscheduling.com/schedule/75f0c3f2

Don’t miss out on your KiwiSaver government contributionHave you contributed enough to your KiwiSaver this year?To recei...
21/06/2026

Don’t miss out on your KiwiSaver government contribution

Have you contributed enough to your KiwiSaver this year?

To receive the maximum government contribution of $260.72, eligible members need to have contributed at least $1,042.86 of their own money between 1 July 2025 and 30 June 2026.

Check your contributions now and, if there’s a shortfall, aim to make your top-up by 20 June to give it time to be processed.

Not in KiwiSaver? You may know someone who is — tag them or send this their way.

Need help checking where you stand?

Get in touch with Nigel 021 186 2768

Your mortgage, KiwiSaver, investments, insurance and retirement plans are not separate little boxes.They all affect each...
17/06/2026

Your mortgage, KiwiSaver, investments, insurance and retirement plans are not separate little boxes.

They all affect each other.

A bigger mortgage can change how much you invest.
Your KiwiSaver settings can impact your first home deposit or retirement income.
Your insurance protects the plan you are working so hard to build.

That is why good financial advice looks at the full picture, not just one decision in isolation.

At Total Wealth, we help you bring the pieces together so your money has a clear job, a clear direction and a plan behind it.

Book a free consultation and let’s look at where you are now - and where you want to go next.

The years before retirement are some of the most important for making good financial decisions.It’s when many people sta...
15/06/2026

The years before retirement are some of the most important for making good financial decisions.

It’s when many people start asking the big questions:

Will I have enough?
When can I afford to stop working?
How long will my savings last?
How should my investments be set up?
Where does NZ Super fit in?

Katrina and Nigel help pre-retirees get clear on where they stand and what needs to happen next.

Because retirement isn’t just about stopping work. It’s about knowing how your income, savings, investments and plans all fit together, so you can move into the next chapter with more confidence and less guesswork.

Thinking about retirement in the next few years?

Book a free chat and let’s help you get clear on your options. There's no judgement. Only friendly help.

Book a free chat here: https://bit.ly/46MOFZx

Out with the old...in with the new 🙌New branding on Nigel's vehicle going live!www.totalwealth.co.nz
11/06/2026

Out with the old...in with the new 🙌

New branding on Nigel's vehicle going live!

www.totalwealth.co.nz

Investing is one of the most effective ways to build long-term financial security. Whether you are saving for retirement...
11/06/2026

Investing is one of the most effective ways to build long-term financial security. Whether you are saving for retirement, creating wealth for your family, or planning future lifestyle goals, a well-structured investment strategy can help your money work harder for you.

At Total Wealth, we focus on thoughtful, goal-based retirement planning. Rather than chasing short-term trends, we help you build a clear strategy designed around your financial goals, timeframes and comfort with risk.

Our aim is to help you grow and manage your investments with confidence.

Call Katrina or Nigel today 03 377 2855

🌐 https://bit.ly/4dQo4jL

Plant the tree today. Even if it’s small.When it comes to retirement and investment planning, the earlier you start, the...
08/06/2026

Plant the tree today. Even if it’s small.

When it comes to retirement and investment planning, the earlier you start, the more time your money has to grow.

And more than ever, putting something away for the future matters.

It doesn’t need to be a huge amount to begin with. A small, steady step today can become something much more meaningful over time.

The best time to start was yesterday.
The next best time is now.

Don’t do your home loan alone.Applying for a mortgage can feel straightforward… until it isn’t.Every bank looks at thing...
04/06/2026

Don’t do your home loan alone.

Applying for a mortgage can feel straightforward… until it isn’t.

Every bank looks at things slightly differently. Your income, expenses, deposit, debts, account conduct, future plans and even how your application is presented can all make a difference to the outcome.

That’s where getting expert help matters.

A good mortgage adviser helps you understand your options, tidy up the details, and present your application in the strongest possible way - so you have the best chance of getting the right result.

And in most cases, it costs you nothing, as the adviser is paid by the lender.

So before you go straight to the bank, talk to someone who knows how to navigate the process and isn't affiliated with any one lender. .

The right advice can save time, reduce stress and help you move forward with more confidence.

Nigel here to stand by your side and get it done the right way. First time.

https://bit.ly/4dQo4jL

Your KiwiSaver doesn’t need a grand overhaul. It needs someone quietly checking the settings while your life gets busy.M...
02/06/2026

Your KiwiSaver doesn’t need a grand overhaul. It needs someone quietly checking the settings while your life gets busy.

Most people don’t change their KiwiSaver settings very often.

They join, choose a rate, and then life carries on. The mortgage, the kids, the bills, the groceries, the “we’ll look at that later” pile.

But a small change now can make a very real difference later.

Moving your contribution up even slightly may not feel huge week to week, but over the years it can help give future-you more choice. More breathing space. More options when it comes to buying a first home, changing pace, or retiring with a bit more confidence.

The tricky part is that money decisions are easy to put off when there’s no one checking in.

That’s where a good financial adviser helps.

Not as someone who takes over, but as someone who helps you look ahead, understand your options, and make the next sensible move for your situation.

So here’s the question:

When did you last check your KiwiSaver contribution rate? And is it still working for where you want to be?

“Future You” is either going to thank you…Or ask why you ignored your KiwiSaver for 12 years 😅A 15-minute review today c...
26/05/2026

“Future You” is either going to thank you…
Or ask why you ignored your KiwiSaver for 12 years 😅

A 15-minute review today could save a lot of regret later.

Address

Ground Floor, 568 Wairakei Road, Burnside
Christchurch
8053

Opening Hours

Monday 8am - 8pm
Tuesday 8am - 8pm
Wednesday 8am - 8pm
Thursday 8am - 8pm
Friday 8am - 8pm
Saturday 9am - 5pm

Telephone

0211862768

Website

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