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Total Wealth

Name: Total Wealth
Address: Ground Floor, 568 Wairakei Road, Burnside, Christchurch, 8053, NZ
Telephone: 0211862768

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Total Wealth

Total Wealth helps Kiwis make smarter money decisions. Wealth Planning, Home loans, KiwiSaver, retirement and insurance. Based in Christchurch helping NZ wide.

Friendly expert advice with wider support from a stronger team. www.totalwealth.co.nz At Total Wealth, we help everyday New Zealanders make smarter financial decisions with clear, friendly advice. Whether you're buying your first home, reviewing your mortgage, growing your KiwiSaver, planning retirement, protecting your family, or building long-term wealth, our experienced team is here to guide you every step of the way. Born from the coming together of Friendly Finance and Total Wealth, we bring together wider expertise, more support, and a stronger team - all with the same personal service our clients know and trust. Based in Christchurch, helping clients across New Zealand. Friendly advice. Smarter strategies. Better futures.

15/09/2026

MONEY MYTH: You need lots of money before financial planning becomes worthwhile.

You don’t need to be wealthy to start making smarter decisions with your money.

In fact, financial planning can be most useful while you’re still building - juggling a mortgage, KiwiSaver, savings, family costs and future goals.

It’s not about having a huge investment portfolio.

It’s about making the money you do have work harder, in the right places.

Good planning helps you build wealth. It’s not just for people who already have it.

09/09/2026

You don't need to arrive with a spreadsheet.

Or know what fund you're in.

Or understand investment terminology.

Or have your entire financial life beautifully organised.

In fact, “I have no idea whether we're doing the right thing” is a perfectly reasonable place to start.

Nigel and Katrina's job isn't to make finance sound more complicated.

It's the opposite.

Figure out where you are.

Work out where you're trying to get to.

Then help make the bit in between considerably clearer.

The Total Wealth advice process starts with a conversation, then looks at your financial position and goals before recommendations are developed. There's usually a cuppa too ☕

07/09/2026

Mortgage? KiwiSaver? Investing? A question we hear in various forms all the time:
“Where should our extra money actually go?”

And unfortunately, the internet's favourite answer applies:

It depends.

Because paying an extra $500 off your mortgage isn't automatically better than investing it.

And investing isn't automatically better than reducing debt.

Your interest rate matters.

Your timeframe matters.

Your emergency savings matter.

Your tax position matters.

Your appetite for risk matters.

Your family plans matter.

That's why financial planning is less about finding one universal “best” answer and more about deciding what makes sense for you right now.

Families often have several priorities competing for the same dollar - mortgage reduction, KiwiSaver, investments, children's futures, insurance and retirement - which is why our planning approach considers them together.

Book a free chat with Nigel or Katrina.

02/09/2026

MONEY, TRANSLATED: DIVERSIFICATION. Sounds complicated. It really means:

Don't put all your eggs in one basket.

Instead of relying on one company, one market or one type of investment to perform brilliantly, your money is spread across different investments.

Some may rise while others struggle.

That's the point.

Diversification isn't designed to find the winner.

It's designed so your financial future doesn't depend on you correctly predicting what the winner will be.

Total Wealth's investment approach includes diversification across areas such as shares, fixed interest, property-related investments and international markets. We've spent years studying and all our time honing this knowledge so we can help you diversify. Doing it solo is hard.

www.totalwealth.co.nz/investment-planning-wealth-management/

31/08/2026

A 30-year mortgage isn't compulsory.

It's worth saying that again.

Thirty years isn't a rule.

It's simply a common loan term.

How you structure your mortgage, what you do when your income changes, how you use lump sums and how often you review your lending can all affect how long you actually carry that debt.

The cheapest-looking rate isn't always the entire conversation either.

Sometimes the better question is:

“How do I structure this mortgage around the life I actually want?”

That's a much more interesting calculation.

Nigel and Katrina, atTotal Wealth, specifically takes the view that borrowers shouldn't automatically accept carrying a 25- or 30-year mortgage simply because that's the standard term offered. Let's chat.

www.totalwealth.co.nz/mortgages/

26/08/2026

Your money doesn't live in separate boxes.

Your mortgage affects how much you can invest.

Your KiwiSaver affects your retirement.

Your insurance protects the income paying for all of it.

And the decisions you make today affect the options you'll have later.

That's why good financial advice isn't just about finding a mortgage rate or choosing a KiwiSaver fund.

It's about stepping back and asking: Does the whole thing actually work together?

That's the conversation we're much more interested in having.

24/08/2026

Why does everyone bang on about starting early?

Because time can do a ridiculous amount of heavy lifting.

Imagine two people investing the same amount each month.

One starts at 30.

The other waits until 40.

That ten-year gap isn't simply ten years of missed contributions.

It's ten years of missed growth on the growth.

That's compounding.

You don't need to become obsessed with investment markets.

You don't need to check your balance every morning.

You need a sensible plan, consistency and - ideally - time.

Boring can be remarkably effective.

Let us know if we can help.

17/08/2026

Your bank balance is not your financial plan.

Neither is your house.

Neither is your KiwiSaver.

Neither is your investment account.

Your financial position is all of them - together.

That's the bigger picture.

13/08/2026

No one loves talking about insurance.

We get it.

But if your income stopped, your business was disrupted, or your family suddenly needed financial support, the right cover could be the thing that keeps everything steady.

Personal and business insurance is not about fear.

It is about protecting the life, family, income, business and future you are working hard to build.

We help you understand what cover you actually need - and what you may not.

Clear advice. Practical options. No guesswork.

10/08/2026

Markets will always have noisy moments.

There will always be headlines.

There will always be uncertainty.

There will always be someone saying, “Now is the time to panic.”

But investing is not about reacting to every bump in the road.

It is about having a strategy that matches your goals, timeframe and appetite for risk - then reviewing it properly as life and markets change.
Katrina and Nigel help you build thoughtful investment strategies designed to grow and protect wealth over time.

If recent market news has made you question your investments or KiwiSaver, talk to us before making any big moves.
A calm conversation can save a lot of second-guessing.

Address

Ground Floor, 568 Wairakei Road, Burnside
Christchurch
8053

Opening Hours

Monday	8am - 8pm
Tuesday	8am - 8pm
Wednesday	8am - 8pm
Thursday	8am - 8pm
Friday	8am - 8pm
Saturday	9am - 5pm

Telephone

0211862768

Website

https://www.totalwealth.co.nz/

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