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.

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.

Most of us don’t want to become investment experts. We just want confidence our money is heading in the right direction....
21/05/2026

Most of us don’t want to become investment experts. We just want confidence our money is heading in the right direction.

That’s where smart investment planning comes in.

Katrina and Nigel help people build a strategy around their goals, lifestyle and future plans - not hype, headlines or “hot tips.”

Whether you’re investing for retirement, growing wealth for your family, or simply wanting your money working harder for you, we help create a plan that balances growth, risk and long-term thinking.

Because real wealth is usually built steadily, thoughtfully and with a clear strategy behind it.

Grow and protect your wealth with confidence.

Insurance isn’t about expecting the worst. It’s about protecting everything you’ve worked hard to build.Your income.Your...
19/05/2026

Insurance isn’t about expecting the worst. It’s about protecting everything you’ve worked hard to build.

Your income.
Your family.
Your home.
Your business.
Your future plans.

Good insurance advice should give you confidence and clarity - not confusion and paperwork overload.

Book a free call to check where you stand.

Retirement planning used to sound like something for “older people.”Now it’s more like: “How do I eventually stop workin...
12/05/2026

Retirement planning used to sound like something for “older people.”

Now it’s more like: “How do I eventually stop working without surviving on two-minute noodles?” 😅

The good news?
Retirement planning isn’t about becoming rich overnight.

It’s about making smart decisions consistently over time:
✔ KiwiSaver
✔ Investments
✔ Mortgage strategy
✔ Protecting your income
✔ Having an actual plan

Because Future You deserves more than just “hopefully it all works out".

We help turn the vague idea of “one day” into a real plan (with less pot noodles!)

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

Most people spend more time researching their next holiday than their mortgage structure.Yet the wrong loan setup could ...
08/05/2026

Most people spend more time researching their next holiday than their mortgage structure.

Yet the wrong loan setup could cost thousands over time.

Fixed?
Floating?
Split lending?
Offset?
Revolving credit?

There’s no “one-size-fits-all” answer.

The right structure depends on your goals, cashflow, future plans and comfort with risk and getting that advice right can make a massive difference over the life of your loan.

Friendly, stress-free home loan advice in person or via zoom when you're ready.

Big changes to KiwiSaver this year 👀You may have noticed your pay feels slightly different lately. That’s because defaul...
06/05/2026

Big changes to KiwiSaver this year 👀

You may have noticed your pay feels slightly different lately. That’s because default KiwiSaver contributions have increased from 3% to 3.5%.

It might not feel huge today…

But over time, small changes can make a big difference to your future retirement savings.

The bigger question is: Is your KiwiSaver actually in the right fund for YOU?

We regularly meet people in the wrong fund, paying too much in fees, or unsure what they’re invested in.

A quick KiwiSaver review could make a real difference long term.

If you’d like a straight-up conversation about your options, we’re here to help, Nigel and Katrina.

📞 03 377 2855

Lest we forget 🌺
24/04/2026

Lest we forget 🌺

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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