Financial planning involves making the best use of resources to ensure income, financial growth and security. It may involve risk management and insurance, investment, taxation, retirement and estate planning issues.

A financial adviser can help you make money and maintain or improve your lifestyle with a sound financial plan. This will include helping you to avoid pitfalls, using your money to best advantage, and choosing products that suit your needs. A financial adviser will also help you understand risk, so you can assess what the best options are for you.

If you are planning for your retirement, have received a lump sum of money or have just left the workforce, or you simply want to make the best use of your money, then you should contact a financial adviser.

Talking to a financial adviser will

• help you make more informed decisions about your money
• help you use your money to best advantage, and
• help you choose products that suit your needs

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I have been saying this for many years now and it is the main reason why  the companies Financial Gain Australia and then Financial Gain NZ were started.

Eventually and I believe this is just a matter of time, the eligibility criteria to receive government assistance in retirement will exclude just about everybody.

This article in stuff is the sort of thing that highlights the discussion is already on the table and it won’t be long before we can not receive government support in retirement until we are 70.

Article begins here.

International consultancy Mercer has joined in the call for retirement age reform in New Zealand after Australia unveiled plans to boost the eligibility age for the national super from 65 to 67.

Mercer, which is one of six approved KiwiSaver scheme providers, says New Zealand needs to match Australia’s tightening of superannuation eligibility and also build a better retirement policy framework.

Mercer’s suggestions come after the Investment Savings and Insurance Association called last week for New Zealand to start discussing the possibility of raising the minimum eligibility age for NZ Super from 65 to 67.

The ISI estimates the ageing population will push up superannuation costs from the current 4 per cent of gross domestic product to 9 per cent by 2020.

Mercer retirement, risk and finance chief Paul Newfield said super should certainly be on the Government’s policy agenda.

As New Zealand’s population increased from 4.3 million now to a little over five million by 2051, so too would the percentage of the population over 65 grow from 11 per cent to 25 per cent, putting pressure on government funds, he said.

Source: www.stuff.co.nz

The last few days have been extremely busy.

Yes it was the weekend however I was working on ways that will help you make money and create wealth for your retirement.

I am more and more convinced that we need to develop alternative methods to creating retirement income streams and I believe the internet is by far the easiest way to do that.

If you check out the sites www.2easy.co.nz and another one www.2pros.biz you will see that these sites allow you to try lots of different products and services that teach you how to make money on the web.

One of the key things that every marketer stresses is the fact that you need to figure out a niche that you can market too.

Everything else is incredibly easy.

Essential Internet Tools for example can help you to purchase your first domain name for next to nothing (you must have a domain name, it’s like the piece of land your internet shop will sit on) if you want to go global or you can try  Low Cost Domains if you want to focus on a New Zealand market (at $29 per annum they are one of the cheapest).

Once you have a domain name you need to create a website and this is so simple these days that it’s not funny. Website Tonight is a cost effective way to get your first website up and running in only a few minutes. Yes you will have to go back and add some content but you can be on the World Wide Web in minutes using this service and less than $5 per month I can’t see why you wouldn’t do it.

So that’s the first step and if you are not technically inclined you can always Joint Venture with me, this is where you provide certain content about a topic that you know alot about and you are happy to research and write about. I build and maintain the website as well as creating the various opportunities to make money from the site. We then share the profits 50/50

Remember when creating wealth on the web it’s not about getting rich overnight. It’s about building a solid business over a year or so. Sure that doesn’t sound terribly exciting but I can assure you that when you are recieving $1000 per week from the money making machine you helped create you will be incredibly happy and it’s an investment that is a lot easier to create than the traditional methods of wealth creation.