It’s a common belief and a persistent one.

Many people we meet think they won’t be able to retire unless they’ve saved at least a million dollars. It’s no wonder people feel overwhelmed or stuck before they even begin planning.

But after decades of helping New Zealanders prepare for retirement, we can tell you with confidence: you don’t need a million dollars.

Retirement isn’t a one-size-fits-all number.
 It’s personal. It depends on how you want to live, what matters most to you, and what brings you meaning and enjoyment in this next phase of life.

“Enough” looks different for everyone

For some, retirement means travel and adventure. For others, it’s time with whānau, volunteering, creative projects, or simply slowing down and enjoying life at home.

Rather than fixating on a lump sum, we focus on what your life could look like and how we can support it. We take into account things like Superannuation, mortgage repayments, KiwiSaver, and your living costs. Then we create a plan that reflects your situation and goals.

It’s not about predicting the future perfectly. It’s about understanding what’s possible, and making informed choices with confidence.

Clarity makes all the difference

One of the most powerful moments for our clients is when they see their full financial picture laid out in front of them, calmly, and in plain language.

Often, they say the same thing:
 “I think I’m going to be okay.”

And that’s exactly what we’re here for.

You don’t have to have it all figured out before reaching out.
We’ll meet you where you are and help you take the next step.

Read more about our approach to retirement planning:
https://www.decisionmakers.co.nz/services/

The DecisionMakers Team

Helping New Zealanders plan for an intentional and informed retirement