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 means putting a larger amount of money into the market at once, such as from savings, an inheritance, or the sale of a property. It may be suitable for investors who have funds available and intend to invest for the long term. Since the entire amount is invested upfront, it has the potential to benefit from market growth straight away, while also being subject to any short-term fluctuations.

The result would have depended on market performance, timing, and when you needed access to the funds. By contrast, contributing gradually through regular payments spreads investment over time. Each strategy has potential advantages, and the right one will depend on your goals, timeframe, and comfort with risk.

At Tonkin Financial, we partner with ANZ's OneAnswer Portfolio Service, which provides access to an extensive range of investment options, including New Zealand and international equities, fixed interest and cash, and allows you to build your investments in a single portfolio.

As your adviser, we’ll help you choose an approach that suits your goals, maintain a diversified portfolio, and review performance with you over time.

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

One advantage is that your full amount is invested from day one, giving it the chance to participate in market movements over the entire period. 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.

Lump-sum investing can also simplify decision-making, as it involves committing funds in one go rather than managing ongoing contributions. We can work with you to decide whether this approach fits your goals, timeframe, and comfort with risk.

Yes – it’s never too early or too late to invest a lump sum. Of course, the sooner you start, the longer your money has to grow.

Rather than being appropriate for a specific age, lump-sum investing is usually driven by a specific life event. For example, you may have sold an asset (e.g. your house), received an inheritance, or your term deposit has finally matured. In all these cases, lump-sum investing can help you put that windfall to work.

The underlying investment platform we use is ANZ OneAnswer Portfolio Service. OneAnswer gives you the ability to choose from an extensive range of investment options to build a single, diversified portfolio.

As your adviser, we’ll help you work out what to invest in and when to buy and sell investments. Then, we’ll liaise directly with OneAnswer, which will carry the instructions on your behalf. Conveniently, you’ll be able to view your portfolio holdings and transactions online anytime.

OneAnswer Portfolio Service is a highly regarded platform that operates under custodian, FNZ Ltd. 

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. 

Alongside Lump-Sum Investing, we specialise in Wealth Management, Retirement Planning and Insurance.

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.

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.