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.

We start our discovery process by gathering information with a Fact Find questionnaire, so we understand your current financial picture and goals. We’ll also agree on the Scope of Service, outlining the areas we’ll be providing advice on.

From there, we meet to talk through your needs in more detail before completing research and preparing tailored recommendations.

Once your plan is ready, we’ll meet again to present our advice, explain the reasoning, and answer your questions. When you’re happy, we help put your plan into action - and we’ll keep reviewing it with you over time to make sure it stays on track.

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.

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. Working out your likely future spending needs; 

2. Investing in a diverse range of assets suited to your time horizon and risk profile; 

3. Ensuring you have a plan in place for how to deal with existing debt

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

The reality is, when it comes to retirement, one size does not fit all. Everyone is different and has different needs. So the important thing is to define what works for you, and ensure you’re on track to get there.

Just to give you a ballpark figure to start from, assuming you’ll be entering retirement mortgage-free, you should aim to put aside roughly 25 times your annual expenses. This way, if you retire at 65, you’re likely to have all your annual outgoings covered until you turn 90.

Of course, this is merely a rule of thumb, but it gives you a starting point. The next step is to find what comfortable retirement means for you.

Yes, projections are a key component of our retirement planning process. Over time, we’ll check in with you to see how you’re tracking and provide up-to-date estimates of your funds come retirement age – both as a lump sum amount and as a monthly benefit.

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 Retirement Planning, we also specialise in Wealth Management, Lump-Sum Investing 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.

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.

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.