Quantum Financial Advisers Ltd

09/01/2026

Hey, Malcolm Shepherd, here from Kiwi Money School.
Firstly, let me just say happy New Year. Hopefully you've got over your perhaps your hangover from a festive season and looking forward to 2026.
Now let me tell you about a hangover you're not going to get away from anytime soon, especially if you've got a mortgage that's over a 30-year term.
That mortgage is going to be there for some time, costing you hundreds of thousands of dollars if you don't do something about it.
Now what if I could show you how to pay more off your mortgage in the next 90 days that would otherwise take you a full 12 months to do with a typical bank structure?
Imagine that that extra money in your back pocket helping you with your cash flow, setting yourself up financially. Amazing result.
So, if that's you and you want to do something different in 2026 click the link in the txt to register and watch my latest webinar which will walk you through exactly how to do this.

https://KiwiMoneySchool.easywebinar.live/event-registration

See you in Kiwi Money School soon.

31/08/2025

Lets go Corey!

Athlete Spotlight 🌟

From Kirikiriroa (Hamilton), Corey Te Moananui is new to OCR but no stranger to endurance, with a background in running and functional fitness that includes the Paris Marathon.

After his first Ultimate Athlete event just before turning 50, Corey quickly embraced the sport, taking on , , and even a Hyrox Auckland treble.

Now set for his first Worlds, he’ll compete in the 50–54 age group across the 100m, short, and standard obstacle races.

Living a childhood dream of wearing the black shirt for Aotearoa, Corey is ready to take on the global stage in Sweden.

We’re behind you all the way Corey! 💥

12/07/2025

28/05/2025

Not all interest rate cuts are created equal... 🧐

The Reserve Bank today dropped the official cash rate by 0.25% — and you might be thinking "Awesome, that’ll save me heaps!"
But here's the reality:

That drop only amounts to a $798 saving over 12 months on the average mortgage in NZ — if you’re even eligible for it (most of you are locked into fixed rates with the wrong structure anyway).

Not quite the game-changer we hoped for, right?

Here’s the kicker:

💥 With a few smart tweaks to how your lending is structured and how you manage your money, you could be saving $798 every month — not just every year.

📉 It’s not just about lowering interest rates — it's about reducing the daily interest you’re charged.

It’s about what happens between the moment you earn your money and when you spend it.

If you're leaving savings lying around while paying mortgage interest? 💸 You're wasting money unnecessarily every day.

This isn’t rocket science. It’s just strategy and structure — the stuff most banks never teach you.

And because of that, most Kiwis are throwing away hundreds of thousands in unnecessary interest.

So, ask yourself…

🤔 Are you still waiting for the perfect moment to act?

🏡 Want to finally make your mortgage work for you — not your lender?
________________________________________
🔥 Join me for a FREE webinar:

In just 45 minutes, I’ll show you:

✅ How to restructure your mortgage for real savings
✅ How to use smart strategies to reduce years off your loan
✅ How people just like you are repaying their home loans in under 10 years
✅ How to buy your first (or next!) investment property
✅ What financial freedom actually looks like — and how to reach it faster

Whether you’re:

😫 Sick of feeling stuck and stressed about money
⏳ Time-poor but ready for results
📈 Ready to grow your wealth strategically

👉 Click here to register:

https://KiwiMoneySchool.easywebinar.live/event-registration

Let’s stop letting banks dictate our futures.

Make 2025 the year you change the trajectory of your life 🔄💪

See you soon

28/05/2025

OCR call: Reserve Bank cuts Official Cash Rate by 25 basis points to 3.25%

12/05/2025

We’ve Missed You — Have You Missed Us? 💛

Hey Quantum family — it’s been a while!

We wanted to pop in and say… we’ve moved and improved 🎉

Our journey has evolved from helping with mortgages and
insurance to empowering Kiwis like you to become mortgage-free faster and build real, lasting wealth. That’s why we’ve launched something new — and it’s just for people like you who want more from their money:

👉 Malcolm Shepherd’s Kiwi Money School

https://www.facebook.com/profile.php?id=61561017393549

We’re showing everyday Kiwis how to take back control, grow equity, and pay off debt years faster than the banks would like. 💥
❤️ We’d love you to join us there.

And if you’re ready to take a peek at what’s possible for you, head over to our new website and watch the free webinar here:

🌐 www.kiwimoneyschool.co.nz

We’ve helped hundreds of families get ahead financially. Now it’s your turn.

See you over there?

Mal & the Kiwi Money School Team

Kiwi Money School empowers Kiwis to pay off mortgages faster, build wealth, and achieve financial freedom with expert guidance, strategies, and community support.

09/03/2025

Repay More off Your Mortgage in 90 Days That Would Normally Take 12 months!!

Did you know that on a $500,000 loan at 6.5% over 30 years, you’ll only reduce your principal by $5,589 in 12 months despite paying $37,924 in total repayments?

Worse still, over the life of your loan, you’ll pay a staggering $637,722 in interest—a whopping 127% of your loan amount!

What if I told you there’s a way to slash your interest costs, pay down your loan faster, and take control of your finances—without sacrificing your lifestyle?

Join me for a free 45-minute lunchtime webinar, where I’ll show you:

✅ How to pay more off your mortgage in the next 90 days that you normally would in 12 months
✅ How to save over $279,000 in interest on the average home loan
✅ The right way to set up your banking and loan structure for maximum savings
✅ A proven spending plan that lets you enjoy life while smashing your mortgage (guilt free)

📅 Date: Tuesday 11th March
🕛 Time: 12pm sharp
📍 Where: Zoom, register here:
https://us02web.zoom.us/webinar/register/WN_Z4SJN1ZkSk2VyyJoWhVMXw

If you’re serious about reducing your mortgage faster and saving tens (or even hundreds) of thousands in interest, this webinar is for you.

See you there!

Mal

Welcome! You are invited to join a webinar: Lunchtime Mini Webinar - Pay more off your home loan in the next 90 days that would otherwise take 12 months.. After registering, you will receive a confirmation email about joining the webinar.

25/01/2025

80% of you have failed at this already....

Happy New Year, New Zealand!

Is it too late to wish you that three weeks into 2025? Nah,,,, it’s never too late—just like how we never quit our New Year's resolutions, right....right?

Now as we dive into another year, everyone starts thinking about those popular New Year’s resolutions: like working out, sticking to a diet, saving more money... basically, committing to a life of carrot sticks and gym selfies. But here's the kicker: if you've actually set one, there's an 80% chance you’ve already thrown in the towel—perhaps along with that kale smoothie!

Speaking of resolutions, personally our big one for 2024 was to stay alcohol-free for the whole year. When the clock struck midnight on New Year's Eve, instead of clinking glasses, we celebrated with the high five of “Yes, we did it!”—and no hangover! That’s a celebratory win I want you to join us in this year no matter what goal you have set yourself!

Now, let’s talk about finances. A lot of folks think a great way to stay on the budget wagon is to become a total miser—cutting costs like you're auditioning for a role as the Grinch! Hardly sounds like a blast, right? “Fun” is something no one shouts from the rooftops with that scenario!

And after 25 years of helping regular Kiwi’s with their finances, I've seen this happen too often: people create such strict budgets that they’re plotting their escape three weeks in—already feeling defeated before the year has even fully started! Now come on, it’s like stepping into the new year with one arm tied behind your back!

Let’s set the tone right now—otherwise, this year will blend into another one of those “eh, maybe next time” kind of years.

And here’s a little truth bomb: if you’ve got a mortgage and your financial plan is sitting there looking as organised as a teenager's room, you’re pretty much doomed before you even step out the door. The real winners there are your bank or lender, cashing in on interest like it’s a game of Monopoly!

But here’s the silver lining: I’ve got a lifeline for those who’ve already landed off the wagon in 2025! I’m inviting you to join a FREE 1-hour webinar this Tuesday at 7:30 PM, where I’ll demonstrate six easy steps to whip your finances back into shape and help you potentially save around $279,000 in interest over the life of your mortgage.

So, what do you have to lose? (Well, quite a bit, actually!) and that's why you need to hit that link below to register and let's turn 2025 around together.

https://bit.ly/41kKyoz

Thanks, and see you Tuesday!

Mal Shepherd