At Tonkin Financial, we’re committed to building long-term client relationships and delivering outstanding service. We believe financial advice is an ongoing partnership: it starts with tailored advice that fits your needs and continues with guidance and adjustments as your goals and circumstances evolve.

We specialise in working with medical professionals employed by Health New Zealand - Te Whatu Ora in the Greater Auckland region. With more than 35 years’ experience, we understand the unique financial challenges and opportunities you face. Our advice is designed to support your career, your lifestyle, and your long-term financial plans.

Financial advice provides many benefits, as relevant to the needs of individual clients. But perhaps the common benefit experienced by those who seek financial advice is this: it is an opportunity to take the time to discuss in-depth your financial life and circumstances with an expert; an opportunity to take stock of where you are, what you want to achieve, any challenges, and solutions you are looking for.

Financial advice is not solely about 'product' - i.e. types of investments, types of insurance etc - rather it is about accessing the knowledge of an experienced professional who can apply their expertise to your individual circumstances and aspirations, and make well-informed recommendations for your financial life.

Lump-sum investing can be part of your overall investment strategy, alongside other investment options.

Typically, this approach is suitable for investors who have a significant sum of money, readily available for long-term investment. Timed right and with a reasonable timeframe, lump-sum investments can yield comparatively higher returns than a regular payment investment plan.

As an example, if you invested $20,000 ten years ago, today you'd likely be better off than someone who contributed the same amount ($20,000) but did so in smaller amounts as a regular investment plan, rather than as an initial lump sum, over the same 10-year period. The success of the lump-sum strategy depends on what the market is doing, as well as when the lump sum is invested and when it is needed. 

A good retirement plan is an essential step towards achieving the lifestyle you aspire to for your post-work life, helping ensure a comfortable and secure future.

The goal is to create a durable income stream that you can live on by: (1) determining your future spending needs; (2) investing in a diverse range of assets, appropriate for your time horizon and risk profile; (3) paying off debt, particularly the mortgage.

We can help you devise a savings and investing strategy that balances your tolerance for risk with your short and long-term goals.

That depends on your situation and what you want to protect. Personal insurance is designed to provide financial support if something unexpected affects your health, income, or family. It can give you peace of mind that your loved ones will be looked after, your bills can still be paid, and your lifestyle can be maintained even if life takes a turn. We’ll help you work out whether cover is right for you, and if so, what type of insurance may best suit your needs.

From our initial meeting to ongoing reviews, we always put your goals front and centre.

We start our discovery process with a handy Fact Finder questionnaire. This assists us in gathering the information we need to understand your current ‘financial picture’: where you’re at, what your pain points are, and the goals you have in mind.

With our Scope of Service defined, we arrange an initial meeting with you. This is an opportunity for us to delve deeper into your current circumstances, and start outlining a plan and a timeline appropriate to your goals.

Once you’re happy with our recommendations, we walk you through the implementation phase. This is the point where your financial plan becomes actionable and measurable. Over time, we’ll help you keep on top of progress, by reviewing your situation regularly and monitoring the results.

To get the conversation started, please feel free to email us at info@tonkinfinancial.co.nz or give a call on 09 308 2412. We look forward to assisting you.

Depending on the types of service we provide, we might receive a commission fee from the provider, or charge clients an hourly rate.

We usually get a commission fee for our advice on DHB Superannuation, KiwiSaver and insurance. For broader financial planning or advice on lump-sum investment plans, we may either charge clients an hourly rate of $200 +GST per hour or a one-off fee, based on the client’s requirements.

We will discuss the fee rates with you in an open manner during our initial meeting. 

We specialise in Wealth Management, Lump-Sum Investing, Retirement Planning and Insurance services.

Wealth Management: From ensuring you receive the superannuation you are entitled to as a medical professional employed by Health New Zealand - Te Whatu Ora in the Greater Auckland region, to investment strategies and managing risk through the right insurance cover, we can help you create and protect your wealth over the long term. At Tonkin Financial, our advice is tailored to your personal circumstances and goals. Find out more here.

Lump-Sum Investing: If you have a financial windfall available, a lump-sum investment can be a powerful way to accelerate your wealth. At Tonkin Financial, we partner with ANZ’s OneAnswer Portfolio Service to provide access to a wide range of investment options, including New Zealand and international equities, fixed interest, and cash (including foreign currencies). We’ll assist you with your investment decisions and help you build and diversify your portfolio. Find out more here.

Retirement Planning: We view retirement planning as a multi-step process that evolves with you over time. The key is to start early, have a plan in place, and take proactive steps to stay on track. We’ll help you prepare for the lifestyle you want, with strategies to manage income, investments, and future expenses. Find out more here.

Insurance: We provide advice on a full range of personal insurance options, including life insurance, trauma cover, income protection, and health insurance. Our recommendations are tailored to your circumstances and goals, and if you ever need to make a claim, we’ll be here to guide and support you through the process. Find out more here.