eriksensforMe by EriksensGlobal

09/06/2026

Financial advice is often perceived as a one-off interaction, where someone tells you what to do and hands over a plan.

But in reality, it tends to work very differently.

The most effective financial planning is iterative. It evolves over time as your circumstances change, your priorities shift, and new opportunities or challenges emerge.

A plan isn’t something static that sits on a shelf. It’s something that gets revisited, updated, and refined as life moves forward.

That’s where the real value comes from.

Not just in the initial recommendations, but in the ongoing conversations that test ideas, adjust assumptions, and ensure everything continues to align with what you’re trying to achieve.

One of the more interesting parts of the process is how people respond when asked about their financial goals.

At first, it’s common to feel uncertain, like there aren’t clear answers. But once the conversation begins, most people realise they already have a strong sense of what they want, it just hasn’t been fully articulated or structured.

From there, the focus shifts to turning those ideas into something practical.

That’s where analysis and forecasting become useful, helping connect multiple goals into a plan that is both realistic and achievable over time.

Just as importantly, having someone independent to speak with can take a lot of pressure out of the process. Money is not always an easy topic to discuss openly, particularly with friends or family, and having an objective sounding board can make those conversations far more productive.

Over time, this approach tends to build something more valuable than a single plan. It creates clarity, confidence, and the ability to adapt as things change.

If you’re looking for more clarity around your financial plan or want to better understand your goals, it can be worth getting a second opinion.

Learn more about our approach or book a time to chat via our website.
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02/06/2026

Property is often seen as one of the more straightforward parts of a portfolio, especially once you already own an investment.

But in practice, it’s rarely that simple.

For many investors, particularly in places like Auckland, property sits alongside other assets and income streams, forming a significant part of their overall financial position. What can sometimes be overlooked is just how large that exposure actually is, and how much attention it requires.

The challenge is usually not the property itself, but how it interacts with everything else.

Income, lending, cashflow, future plans, and ongoing costs all play a role in determining whether that investment is working as intended.

When you look more closely, factors like rental yield, maintenance, and body corporate fees start to matter more than people expect. These are the elements that ultimately determine performance, not just the headline value of the asset.

It’s also important to recognise that property, as an asset class, is not consistently good or bad. Outcomes can vary significantly depending on the individual property and the decisions made around it.

That’s why broad assumptions tend to fall short.

What tends to be more valuable is independent, case-by-case analysis, looking at how a specific property is performing and how it fits within a wider strategy.

From there, clearer decisions can be made.

Whether that’s holding, adjusting, or considering future purchases, having structured guidelines and a clear framework makes those decisions far more straightforward.

If you’re holding property as part of your wider investment strategy and want to understand how it’s really performing, it can be worth getting a second opinion.

Learn more about our approach or book a time to chat via our website.
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29/05/2026

Retirement is a big life transition. But when can you ‘actually’ retire?

Whether retirement feels close or not, this 45-minute webinar will help you understand where you stand today and map what comes next. Join Amy Eriksen, Registered Financial Adviser and Colin Downie, Actuary and Investment Consultant for a practical conversation focused on transitioning into retirement in today’s complex world.

We’ll focus on your burning questions including:
✔️ When can you realistically retire?
✔️ What if you don’t have 'enough' funds yet? We’ll share some catch-up strategies.
✔️ How does KiwiSaver, investments and income planning fit together?

Designed for people in their 40s, 50s and 60s who want clear thinking and a realistic plan for a comfortable retirement. Don’t fall into common retirement mistakes our team encounters daily. Take this chance to learn all about practical, effective retirement planning.

🗓 Friday 26 June 2026 at 12.30PM
💻 Online, free to attend (recording available if you can’t make it live).
Sign up now: https://f.mtr.cool/ziqxenvyal

27/05/2026

Delighted to be supporting this Ladies Who Lunch event on 17th June at JW Marriott - Trivet Restaurant. Hope to see you there!

Meet Our Sponsor: eriksensforMe.

We’re delighted to welcome Amy Eriksen and the team from eriksensforMe by EriksensGlobal as sponsors of Ladies Who Lunch.

Amy is passionate about helping women feel richer and smarter when it comes to their financial future - whether that’s KiwiSaver, retirement planning, wealth management, or simply having better conversations around money and long-term goals.

With a warm and approachable style, Amy works with clients across all stages of life to help create greater financial security and confidence through personalised investment advice and financial planning.

If you’d like to connect with Amy ahead of the event, you can book a coffee catch-up here: https://calendly.com/a-eriksen-eriksensglobal/30min?month=2026-05

You can also learn more about eriksensforMe here:
https://www.eriksensglobal.com/eriksensforme

26/05/2026

KiwiSaver is something almost everyone has to think about, but that doesn’t necessarily mean it should be the centre of every long-term strategy.

For many people, especially those who already own property or are thinking about flexibility in the future, the default approach isn’t always the most efficient.

That’s because KiwiSaver comes with constraints.

Access is limited.
Timelines are fixed.
And those timelines don’t always align with how people actually want to live or retire.

When you start to look at retirement more closely, it becomes clear that the traditional assumptions are less certain than they used to be. The age you retire, how long you work, and what that phase of life looks like can vary significantly.

That’s where broader investment thinking becomes important.

Rather than just contributing to a single structure, it’s about understanding how different investments can work together across multiple time horizons, giving you both growth and flexibility.

What we often see is that people feel reasonably confident in their understanding of KiwiSaver, until they’re shown how other structures can complement it, or in some cases, outperform it depending on their situation.

It’s not about replacing KiwiSaver altogether, but about putting it in the right context within a wider strategy.

Because similar types of investments can often be accessed outside of KiwiSaver, but with greater flexibility around timing, access, and control.

Even for those with a strong financial background, investment markets and portfolio strategies are constantly evolving. Staying close to that, and understanding how professional managers are thinking, can make a meaningful difference over time.

If you’re starting to think more seriously about how KiwiSaver fits into your broader retirement plan, it can be worth getting a second opinion.

Learn more about our approach or book a time to chat via our website.
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26/05/2026

Oil prices remained elevated throughout April as conflict in Iran and disruption through the Strait of Hormuz continued to impact global markets. Inflation concerns and geopolitical uncertainty kept central banks cautious, with many signalling that interest rates may need to stay higher for longer.

Read more in our latest Economic Commentary, including insights on:
▪️ The US Federal Reserve’s increasingly divided interest rate outlook
▪️ Inflation pressures across the US, Europe, UK, Australia and New Zealand
▪️ The Reserve Bank of Australia’s latest rate hike decision
▪️ What rising energy prices and ongoing geopolitical tensions could mean for investors and markets

📈 Read the full commentary here:

EriksensGlobal’s economic commentary provides New Zealand investors with clear, independent analysis of local and global markets, inflation, interest rates and key economic trends, and is regularly shared through our written reports and YouTube channel.

19/05/2026

We often hear this early in conversations, people don’t want financial advice that takes over.

And it makes sense. If you’ve spent years building financial security, making smart decisions, and getting yourself into a strong position, the last thing you want is someone stepping in and telling you to change everything.

That’s not how good advice should work. The most effective conversations aren’t about replacing your thinking, they’re about refining it.

What we aim to do is bring structure to the decisions you’re already considering, helping you explore different scenarios, pressure-test ideas, and connect the dots across your financial life.

Because in reality, most people already have things on their mind, whether that’s selling a business at some point, changing how they earn income, or making different investment decisions. The challenge isn’t a lack of ideas, it’s knowing how those decisions fit together and what they actually mean for the bigger picture.

That’s where experience becomes important, not just in investments, but across business, cashflow, and financial transitions, so that when those moments arise, they can be factored into a plan properly.

At the same time, the most important layer is often everything outside of the numbers, your lifestyle, your health, your family, and how you spend your time and money day to day. Financial planning doesn’t exist in isolation, it needs to reflect your real life.

When you bring all of that together, the advice becomes far more valuable, not something that takes control away, but something that gives you more clarity and confidence in the decisions you’re already making.

If you’re in a strong position but want to sense-check how everything fits together, it can be worth getting a second opinion.

Learn more about our approach or book a time to chat via our website.
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12/05/2026

We’re having more conversations with freelancers, consultants, and business owners who feel like their finances should be working, but don’t quite feel under control.

It’s not usually a lack of income.

In many cases, people are earning well. But when money comes in unevenly, across different projects, contracts, or sources, it creates a different kind of complexity that isn’t always obvious at first.

Income arrives in waves, while expenses tend to remain consistent.

Over time, that disconnect can make it harder to see what’s really happening, or whether everything is working as effectively as it could be.

What we often observe is people managing this by focusing on individual pieces, moving money between accounts, covering costs as they arise, and making decisions in the moment. While that approach can work in the short term, it rarely creates a clear sense of direction over the long term.

The underlying issue is rarely effort. It’s usually structure.

Because when you step back and look at the full picture, income, spending, future plans, and upcoming decisions, it becomes much easier to identify where things could be improved, where risks may sit, and where opportunities exist.

That’s where clarity starts to build.

Not just in understanding what’s happening now, but in seeing what’s possible over time, and having a plan that connects all the moving parts in a deliberate way.

For many people, that shift changes how they experience money altogether. Decisions become less reactive, more considered, and supported by a clearer sense of direction.

If you’re managing freelance or multiple income streams and not quite sure if everything is working as well as it could be, it can be worth getting a second opinion.

Learn more about our approach or book a time to chat via our website.

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