Financial Planning

Financial Planning Our Approach Core Values

Effective Financial Planning is not a ‘one-off’ exercise, rather a continuous cycle of implementation, monitoring, review and rebalancing so that your plan continues to meet your needs. Because of the expertise within the One to One Group we are able to provide you with a complete strategy that considers your investment, debt, risk and tax management needs. We work with you to create a plan that is based on your life goals. You may want to retire at 55, travel overseas every two years, help your children/grandchildren purchase their first home or simply have enough funds to maintain your current lifestyle in retirement. We analyse the financial base needed to meet your goals and your plan sets out how you can get there. Our services are tailored to meet the needs of those with disposable income to invest of $1000 or more per month or a lump sum of $100,000 or over to invest.

“One to One provides you with a complete strategy that considers your investment, debt, risk and tax management needs.” Stephen McFarlane, One to One Financial Planner and Chartered Accountant.

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Our Approach

We explain our approach to Financial Planning using investment ‘buckets’. The amount of money allocated to each bucket depends on your age, stage and personal goals. In the accumulation phase of your life, your main focus may be debt reduction (i.e. repaying the mortgage) while building some funds in the ‘Emergency Needs’ bucket. As your debt is repaid, disposable cash can be used to fill the longer term buckets thereby building funds for your other life goals including retirement.

Investment Buckets

0 to 1 Years Emergency Needs Bucket	2 to 3 Years Income Needs Bucket	4 to 7 Years Maintain Capital Bucket	8 Years + Capital Growth Bucket

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Our Core Values

We want to build a strong, long term, mutually beneficial relationship with our clients. We believe that fundamental to achieving this is that we consistently deliver service which is:

• Trustworthy
• Reliable
• Accurate (in all financial transactions)
• Responsive (in returning calls and emails)

Disclosure Documents

Download full disclosure documents for our two Financial Planners, Stephen McFarlane and Wilhelmina Eveleens. These documents provide comprehensive information about Stephen and Wilhelmina including their experience and qualifications, the financial planning process, professional associations, remuneration and fees.

Stephen McFarlane and Wilhelmina Eveleens are members of the Institute of Financial Advisors. One To One Accounting Limited is also a member of the New Zealand Institute of Chartered Accountants. Please visit their websites to find out how these associations will benefit you as our client.

Read what our financial planning clients say about working with the One to One Team.

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Contact us now to discuss how we can help you achieve financial freedom.