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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 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.

03/11/2026

A huge CONGRATULATIONS to Curtis & Tyler on getting into their new home! 🏠🎉

It wasn’t exactly a case of “find a house, sign a few papers and move in” 😂 — there was a bit of patience, a few lessons along the way and, of course, plenty of decisions to make!

But you both handled it brilliantly, stuck with it, and eventually found the right place to call home. 🙌

It’s been an absolute pleasure working with you both, and we’re really pleased we could be part of such an exciting milestone.

Now comes the really important stuff… unpacking, arguing over where everything goes, putting your feet up and making plenty of great memories! 😜🍾🥂

Thanks for trusting Total Wealth to help you get there.

Enjoy your new home, Curtis & Tyler — you’ve earned it! 🏡❤️🔑

02/11/2026

A mortgage is more than an interest rate

The lowest interest rate doesn’t automatically mean the best mortgage.

- How much should you fix?
- For how long?
- Should part of your loan be floating?
- Would an offset or revolving credit facility suit you?
- How aggressively should you repay it?

There are plenty of decisions to make - and the right answer depends on your income, plans, spending, risk tolerance and what else you want your money to achieve.

A good mortgage adviser doesn’t just help you find a loan.

They help you nail down the right mortgage structure for you and make sure it fits with the bigger financial picture.
Thinking about buying, refinancing or reviewing your current mortgage?

Talk to us. We'd love to help www.totalwealth.co.nz/book/

01/11/2026

Thanks so much Curtis
⭐⭐⭐⭐⭐

"We approached Nigel to purchase our first home based on a glowing referral from a family member.

From our first meeting, to purchasing a house 5 months later Nigel never faltered.

He provided exceptional advice, guidance, and support throughout what was a much longer house hunt than expected. Nigel is warm, good humoured, always has time to answer questions, and just get things done.

Nigel and Total Wealth are the real deal, and I wouldn't hesitate to recommend them to anyone looking for advice." Curtis Gray

28/10/2026

New Zealand has a solid retirement system by international standards*, but your retirement plan should be much more personal than a national average.

When we talk about retirement planning, it’s easy to jump straight to:

“How much money will I need?”

But perhaps the better first question is:

“What do I actually want retirement to look like?”

- Travel?
- More time with family?
- Helping the kids or grandchildren?
- Working less rather than stopping completely?

Simply knowing the bills are covered and you have the freedom to enjoy life?

Work out the life you want first.

Then build the financial plan around it.
Need a hand doing that well? We'd love to help.

* As reported in www.rnz.co.nz/news/business/2040817/how-does-new-zealand-s-pension-system-compare-internationally

26/10/2026

Nigel has recently been out and about meeting clients in Diamond Harbour and Lyttelton.

In a world where so much can now be done online, we still believe there’s real value in sitting down face-to-face.

Financial decisions are personal. Sometimes the best conversations happen around a table, with the time and space to talk things through properly. And when it makes sense, we’ll come to you.

Relationships, trust and good conversations still matter just as much as ever ☕

And what a beautiful part of the world we live in!

19/10/2026

The value of advice can be invisible.

A good financial adviser might help you earn better investment returns.
But some of their most valuable work can be much harder to see.

- The investment you didn’t sell during a market downturn.
- The risk you spotted before it became a problem.
- The decision to change course before retirement.
- The conversation that stopped you putting too much money into one opportunity.
- The reassurance that meant you could actually enjoy spending some of the wealth you’d spent decades building.

Sometimes the greatest value of advice is the mistake that never happened.

14/10/2026

Don’t start with “How much will the bank lend me?”
A better question is: “What mortgage can I comfortably live with?”

There can be a big difference.

Buying a home shouldn’t mean stretching your finances so far that there’s nothing left for holidays, KiwiSaver, investments, emergencies - or simply enjoying life.

That’s why mortgage advice should start with you, not the maximum number on a lending calculator.

We can help you understand your options, work through the numbers and structure your lending around both the home you want and the life you want to live.

Because your mortgage is only one part of your financial plan.

One life. One financial plan.

Book a free chat today www.totalwealth.co.nz/book/

13/10/2026

Financial planning is changing - and we think that’s a good thing.

New technology and AI can help advisers analyse information, streamline processes and spend less time on administration.

But the goal shouldn’t be to remove people from financial advice. QUITE THE OPPOSITE.

It means as advisors we have more time to work face-to-face with you -
- To ask the right questions.
- Challenge assumptions.
- Talk through the options.

And help you make confident decisions about your money.
Because your financial future deserves more than an algorithm. It deserves expert human experience.

06/10/2026

A financial plan isn’t just about your money. It’s about what you want your money to make possible.

Today 7 October is World Financial Planning Day - a day that highlights the value of having a clear plan for your financial future.

Good financial planning brings the different pieces together: your mortgage, KiwiSaver, investments, insurance, retirement plans and the goals you have for yourself and your family.

It can help answer questions like:

Are we on track for the retirement we want?
Could our investments be working harder?
Are we making the most of KiwiSaver?
Are we carrying the right level of debt?
Would our family be financially secure if something unexpected happened?

And perhaps most importantly: Are the financial decisions we’re making today taking us where we actually want to go?

At Total Wealth, financial planning isn’t about selling you another product. It’s about looking at the bigger picture and helping you make informed, confident decisions about your money.

Let's jump on a call and chat through your plan.

05/10/2026

Building a new home? There’s more to the numbers than the build price.

Turnkey or progressive payments? Both have advantages, and there’s no one-size-fits-all answer.

A progressive-payment build could potentially save you tens of thousands upfront - but as the build progresses, you may find yourself paying increasing construction costs while still covering your current mortgage or rent.

Turnkey can offer more certainty, but that convenience can come at a higher price.

Then there’s your deposit, equity, interest rates, cash reserves, build timeframe and what happens if costs or timelines change.

There’s a lot to think about.

Before signing a building contract, get professional advice and understand how the whole journey will affect your finances - not just what the house costs at the end.

Talk toNigel or Katrina and get the numbers working for your situation.

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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