CIC Financial

03/06/2026

It’s always rewarding to hear when clients feel supported and informed throughout the process.

Thank you for the kind words.

29/05/2026

Commercial property investment can offer some attractive benefits, but it also comes with risks and considerations that need to be understood.

In this short video, we look at why commercial property may appeal to some investors, and why it is important to consider whether it fits your wider financial plan.

28/05/2026

Insurance cover is usually set up to match your life at a particular point in time.

But life can change quite a lot after that.

You might have a different income, a larger or smaller mortgage, higher everyday costs, new family responsibilities, or different plans for the future. Even if nothing major has changed, inflation can slowly reduce how far a future payout may go.

That’s why cover that made sense a few years ago may not always fit as well today.

A review doesn’t automatically mean taking out more cover. Sometimes it is about understanding what you already have, checking whether it still lines up with your needs, and making sure there are no obvious gaps or unnecessary extras.

If it has been a while since you last looked at your insurance, it may be worth asking the question: does this still reflect life as it is now?

Get in touch with us if you have any questions.

27/05/2026

30 June is coming up, which makes now a good time to check your KiwiSaver contributions.

Eligible KiwiSaver members can currently receive 25 cents from the government for every $1 they personally contribute, up to a maximum of $260.72 each year.

To receive the full amount, you generally need to contribute $1,042.86 between 1 July and 30 June.

If you’re self-employed, have taken time away from work, reduced your contributions, or are not currently contributing through PAYE, it may be worth checking whether a top-up is needed.

Allowing a couple of weeks for the payment to be processed can also help avoid missing the deadline.

Not sure if you’re on track? Your KiwiSaver provider can confirm your contributions for the year. If you’d like to understand how KiwiSaver fits into your wider financial plan, the CIC Financial team can help.

21/05/2026

If your business currently leases its premises, you may have wondered whether owning the building could be a good move.

This video covers some of the key considerations for business owners thinking about commercial property investment, from cash flow and flexibility to long-term planning.

20/05/2026

Thinking about buying a home?

A pre-approval can do more than help you understand your budget. It can also give you more confidence when house-hunting, show sellers you’re serious, and put you in a stronger position when making an offer.

But it’s important to understand the conditions and make sure the loan structure works for your situation.

Read the full article to learn how pre-approval can become part of your home-buying strategy.

When you’re in the market for a home, having a pre-approval can be a great advantage. It means you know how much you can borrow and gives you a sense of what properties to look at. While some people see pre-approval as just a box to tick, used strategically it can be a genuine advantage […]

15/05/2026

Thank you Zac for the kind words. We know organising a mortgage can feel like a lot, so it’s great to hear when our clients feel supported, informed and well looked after along the way.

If you’re looking at buying, refinancing, or reviewing your current lending, we’re here to help.



14/05/2026

Planning how much you’ll need in retirement is not always as simple as choosing one fixed yearly amount.

Your spending is likely to change over time. In the early years, you may be fit, active and keen to travel, enjoy hobbies or make the most of your freedom. Later, life may become quieter and day-to-day costs may reduce. Further down the track, there may also be unknown costs to plan for, such as care or treatment.

That’s why retirement spending often works better when it is planned in stages, rather than as a straight line.

In this short video, we explain why front-loading your retirement spending can make sense, so you can enjoy the lifestyle you’ve worked hard for while still planning carefully for the years ahead.

13/05/2026

KiwiSaver isn’t just for PAYE employees.

If you’re self-employed, you can still contribute to a KiwiSaver account and use it as part of your long-term savings strategy.

The key difference is that you won’t usually have employer contributions going in automatically, so it’s worth being more intentional about how much you contribute and how often.

A few things to think about:
▶ How much are you aiming to save for retirement?
▶ Are you contributing enough to receive the Government contribution, if eligible?
▶ Should all your long-term savings go into KiwiSaver, or would another investment option also make sense?
▶ Does your business form part of your future retirement plan?
▶ KiwiSaver can be a valuable part of your financial picture, but it shouldn’t be left on autopilot.

We can help you review your KiwiSaver settings and talk through how they fit with your wider goals. Get in touch if you have any questions.

07/05/2026

Your bank balance only tells part of the story.

Understanding your net worth can give you a clearer picture of your overall financial health, including what you own, what you owe, and how your money is working for you over time.

In this video, we break down the basics of assets, debts, KiwiSaver contributions, and long-term investing, and how small, intentional choices can help improve your financial position.

It’s a simple way to check in, take stock, and feel more confident about the road ahead.

Feel free to get in touch with the CIC Financial team if you’d like to talk through your own financial picture.