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Castle Trust Financial Planning

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Castle Trust Financial Planning

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We exist to help people get their finances organised. Castle Trust offer financial plans that are personal, holistic and adjusted as circumstances change.

We created Castle Trust for people who want to get the best out of their money because people often don’t understand their overall financial situation and how to go about planning for the future. We’re passionate about creating a world where our clients and community are financially better off. Castle Trust Financial Planning was created by Glyn Lewis-Jones and Kathryn Alborough who identified a gap in the NZ financial services market that there was no one providing comprehensive financial advices that was kept updated as circumstances change. With a passion for helping people, professional qualifications and decades of advisory experience.

18/10/2026

Higher mortgage rates haven't stopped first-home buyers getting into the market.

Reserve Bank figures show first-home buyers took out around $1.475 billion in new mortgage lending during August alone.

That doesn't mean buying is right for everyone right now. It does show why it's worth finding out what your position looks like rather than assuming from the headlines that buying a first home is out of reach.

Deposit, income, existing commitments and the type of property you're considering can all influence your options.

Thinking “maybe next year”?
Have the conversation now.

You may leave with a much clearer idea of what needs to happen first.

𝘾𝙖𝙨𝙩𝙡𝙚 𝙏𝙧𝙪𝙨𝙩 𝙁𝙞𝙣𝙖𝙣𝙘𝙞𝙖𝙡 𝙋𝙡𝙖𝙣𝙣𝙞𝙣𝙜 - 𝙛𝙞𝙣𝙖𝙣𝙘𝙞𝙖𝙡 𝙖𝙙𝙫𝙞𝙘𝙚 𝙛𝙤𝙧 𝙡𝙞𝙛𝙚

15/10/2026

One thing we never want a client to feel is that they should already know the answer.

Mortgages, investments, insurance and financial planning can come with plenty of questions. Our job is to make things clearer, explain your options in plain language and help you make informed decisions that suit your circumstances.

Thanks Tim for your great feedback 😊

Have questions of your own?
Bring them. That’s what we’re here for.

𝘾𝙖𝙨𝙩𝙡𝙚 𝙏𝙧𝙪𝙨𝙩 𝙁𝙞𝙣𝙖𝙣𝙘𝙞𝙖𝙡 𝙋𝙡𝙖𝙣𝙣𝙞𝙣𝙜 - 𝙛𝙞𝙣𝙖𝙣𝙘𝙞𝙖𝙡 𝙖𝙙𝙫𝙞𝙘𝙚 𝙛𝙤𝙧 𝙡𝙞𝙛𝙚

11/10/2026

If you’ve noticed mortgage rates heading in a different direction lately, you’re not imagining it.

After a period when borrowers became accustomed to falling rates, conditions have changed. The Reserve Bank increased the OCR to 2.75% in September, and says higher wholesale rates have been flowing through to mortgage rates at terms between six months and two years.

If your mortgage is coming up for refixing, this is a good reminder not to make the decision based solely on whichever rate catches your eye first.

Your loan size, budget, future plans and appetite for certainty all matter when deciding what structure and term may suit you.

Coming up for refixing?
Talk to our mortgage team about your options.

𝘾𝙖𝙨𝙩𝙡𝙚 𝙏𝙧𝙪𝙨𝙩 𝙁𝙞𝙣𝙖𝙣𝙘𝙞𝙖𝙡 𝙋𝙡𝙖𝙣𝙣𝙞𝙣𝙜 - 𝙛𝙞𝙣𝙖𝙣𝙘𝙞𝙖𝙡 𝙖𝙙𝙫𝙞𝙘𝙚 𝙛𝙤𝙧 𝙡𝙞𝙛𝙚

07/10/2026

Nobody gives you a manual for grown-up life, and insurance is often the last thing anyone explains. So here's what we'd tell our younger selves.

If an illness or injury stopped you working for six months, how would you cover the rent or mortgage, the power bill and the groceries? For most people the answer is savings that run out fast, or leaning on family. The right cover means a hard time stays a hard time and doesn't become a financial setback that takes years to recover from.

You don't have to work it out alone. Book a free chat with a Castle Trust adviser and we'll help you find what matters most for you.

30/09/2026

The financial plan you needed at 35 probably isn't the financial plan you'll need at 55.

Your income changes. Your mortgage changes. Children grow up. Careers take different directions. Retirement gets closer. Your priorities shift.

So why would your financial plan stay exactly the same?

We believe financial planning is an ongoing process rather than something you create once and put away.

That's also why our team approach matters. Castle Trust brings advisers at different career stages together to provide continuity and ongoing support as clients move through different stages of their own lives.

A good plan doesn't have to predict everything that's coming.

It needs to keep adapting to what matters to you.

Has life changed since you last reviewed your plan?
It could be time for another conversation - https://castletrustinitial.timetap.com/ #/

𝘾𝙖𝙨𝙩𝙡𝙚 𝙏𝙧𝙪𝙨𝙩 𝙁𝙞𝙣𝙖𝙣𝙘𝙞𝙖𝙡 𝙋𝙡𝙖𝙣𝙣𝙞𝙣𝙜 - 𝙛𝙞𝙣𝙖𝙣𝙘𝙞𝙖𝙡 𝙖𝙙𝙫𝙞𝙘𝙚 𝙛𝙤𝙧 𝙡𝙞𝙛𝙚

27/09/2026

Some financial questions are too important to leave sitting in the “we really should work that out” pile:

Could we pay our mortgage off sooner?
What would happen financially if one of us couldn't work?
When could we realistically afford to retire?

They're very different questions, but they have something important in common: a good financial plan can help you answer them.

Rather than carrying the questions around for another few years, start by understanding where you are now, where you want to get to and what may need to change along the way.

That's the kind of conversation we have with people every week.

𝘾𝙖𝙨𝙩𝙡𝙚 𝙏𝙧𝙪𝙨𝙩 𝙁𝙞𝙣𝙖𝙣𝙘𝙞𝙖𝙡 𝙋𝙡𝙖𝙣𝙣𝙞𝙣𝙜 - 𝙛𝙞𝙣𝙖𝙣𝙘𝙞𝙖𝙡 𝙖𝙙𝙫𝙞𝙘𝙚 𝙛𝙤𝙧 𝙡𝙞𝙛𝙚

24/09/2026

If one goal moved forward between now and the end of the year, what would make the biggest difference?

Most people have more than one financial priority competing for attention.
Paying down debt.
Building investments.
Preparing for retirement.
Helping family.
Creating an emergency reserve.
Making room for a meaningful experience.

The challenge is rarely finding another goal. It is deciding which goals 𝘮𝘢𝘵𝘵𝘦𝘳 𝘮𝘰𝘴𝘵, what 𝘰𝘳𝘥𝘦𝘳 to approach them in and what 𝘵𝘳𝘢𝘥𝘦-𝘰𝘧𝘧𝘴 you are comfortable making.

A plan creates a place for those decisions to be considered together.

Which priority would you most like to make progress on before the end of 2026?

𝘾𝙖𝙨𝙩𝙡𝙚 𝙏𝙧𝙪𝙨𝙩 𝙁𝙞𝙣𝙖𝙣𝙘𝙞𝙖𝙡 𝙋𝙡𝙖𝙣𝙣𝙞𝙣𝙜 - 𝙛𝙞𝙣𝙖𝙣𝙘𝙞𝙖𝙡 𝙖𝙙𝙫𝙞𝙘𝙚 𝙛𝙤𝙧 𝙡𝙞𝙛𝙚

20/09/2026

Retirement isn’t one number.
“How much will I need to retire?” is an important question - but it isn’t the only one.

Your retirement plan also needs to consider:
- When you would ideally like to stop or reduce work
- What you expect everyday life to cost
- Whether travel or other major experiences are a priority
- How your spending could change over time
- What financial commitments may continue
- How comfortable you are with uncertainty
- What you want to leave behind

A useful retirement plan connects the numbers to the life those numbers need to support.

If retirement is becoming more real, we can help you work through the questions behind the number - https://castletrustinitial.timetap.com/ #/

𝘾𝙖𝙨𝙩𝙡𝙚 𝙏𝙧𝙪𝙨𝙩 𝙁𝙞𝙣𝙖𝙣𝙘𝙞𝙖𝙡 𝙋𝙡𝙖𝙣𝙣𝙞𝙣𝙜 - 𝙛𝙞𝙣𝙖𝙣𝙘𝙞𝙖𝙡 𝙖𝙙𝙫𝙞𝙘𝙚 𝙛𝙤𝙧 𝙡𝙞𝙛𝙚

16/09/2026

It's not the easiest question to think about, but it is an important one:
What would happen to your mortgage and household budget if you or your partner suddenly couldn't work?

The answer will be different for every household.

That's why protection should be considered alongside your mortgage, savings and wider financial plan - not as something completely separate.

The goal isn't to worry about everything that could go wrong. It's to understand the financial impact and make considered decisions about how you'd manage it.

If your circumstances have changed since you last reviewed your protection, talk to our team.

𝘾𝙖𝙨𝙩𝙡𝙚 𝙏𝙧𝙪𝙨𝙩 𝙁𝙞𝙣𝙖𝙣𝙘𝙞𝙖𝙡 𝙋𝙡𝙖𝙣𝙣𝙞𝙣𝙜 - 𝙛𝙞𝙣𝙖𝙣𝙘𝙞𝙖𝙡 𝙖𝙙𝙫𝙞𝙘𝙚 𝙛𝙤𝙧 𝙡𝙞𝙛𝙚

13/09/2026

Question - what are you really planning for?

Behind every financial goal, there is usually something more meaningful.

More time with family.
The freedom to reduce your working hours.
Helping the next generation.
Travelling while you’re fit and able.
Feeling confident about the years ahead.

The numbers matter, but they are not the reason for the plan. They are the tools that help you work towards the life you value.

A good financial conversation begins with more than “How much have you saved?”

It begins with: What do you want your money to make 𝘱𝘰𝘴𝘴𝘪𝘣𝘭𝘦?

Take a moment today to discuss that question with the people closest to you.

𝘾𝙖𝙨𝙩𝙡𝙚 𝙏𝙧𝙪𝙨𝙩 𝙁𝙞𝙣𝙖𝙣𝙘𝙞𝙖𝙡 𝙋𝙡𝙖𝙣𝙣𝙞𝙣𝙜 - 𝙛𝙞𝙣𝙖𝙣𝙘𝙞𝙖𝙡 𝙖𝙙𝙫𝙞𝙘𝙚 𝙛𝙤𝙧 𝙡𝙞𝙛𝙚

Address

278 Queen Street
Richmond
7020

Opening Hours

Monday	9am - 5pm
Tuesday	9am - 5pm
Wednesday	9am - 5pm
Thursday	9am - 5pm
Friday	9am - 5pm

Telephone

+6435284184

Website

http://www.castletrust.co.nz/

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