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Retirement planning

Sound financial planning for life after work.

Our Services

What does your ‘dream retirement’ look like?

Is it time to turn that vision into a plan? Retirement planning isn’t just about signing up to your superannuation scheme (although that’s a good starting point). A sound retirement plan evolves with you over time, taking into account your investment horizon and risk profile.

The key thing is to start – the sooner you take proactive steps towards the retirement you have in mind, the more achievable your post-work life aspirations become. Looking for quality guidance, from start to finish? Read on for how we can help you create a sound retirement plan for your post-work life. 


Your roadmap to retirement

Are your retirement savings on track?

Defining your goals and creating a plan is just the beginning. Tracking your progress and adjusting your plan as your needs or circumstances change is equally, if not more, important. Talk to the Tonkin Financial team today.
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Designing your post-work life.

If you think about your retirement, what do you see?

At Tonkin Financial, we have over 30 years’ experience helping Auckland-based medical professionals work towards their aspirations, with specialist retirement and financial planning advice.

And it all starts with a healthy dose of listening to what you have in mind for your post-work life. When we meet, the first thing we do is take you through a process to explore and define what you have in mind for your retirement - whatever that might be. We'll talk about your big picture goals, when you'd like to retire, what you have in mind for your lifestyle and more.  

Then, when we know what we're aiming for, we help you design a roadmap to get there. Like to talk to the team at Tonkin Financial about your retirement planning needs? We welcome you to get in touch. 

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Putting a plan in place to achieve your goals.

A goal without a plan is just a wish – because having a plan is what moves you forward.

After we’ve mapped out your goals for retirement - and the all important details such as when you'd like to retire and the level of income you will need - we will help you design your retirement plan, track your progress and stay on course.

For example: we'll review and provide recommendations on your superannuation; on the investment strategies best suited to your retirement horizon and goals; options to maximise your investment potential; look at any areas of risks to be addressed through insurance, and more.

Retirement planning is a multi-step process that needs long-term care. We’ll guide you through the execution of your retirement plan and recommend adjustments along the way, in line with any changes in your needs or plans. We're here for the long-term to help you realise your post-work lifestyle. Like to find out more? Contact the team at Tonkin Financial.

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How we help and FAQs

  • Why choose Tonkin Financial Services?

    At Tonkin Financial, we’re committed to developing long-term client relationships and delivering outstanding service. We believe - strongly - that financial advice is an ongoing relationship: it starts with sound, tailored advice for our clients' needs, but continues over the longer term with guidance as needs and goals change. 

    We specialise in providing financial advice to medical professionals employed by District Health Boards in the Greater Auckland region. Over the past 30 years we have developed extensive understanding as to how we can best support the financial advice needs of medical professionals, and provide high quality advice for their financial life and plans. 

  • What are the benefits of getting financial advice?

    Financial advice provides many benefits, as relevant to the needs of individual clients. But perhaps the common benefit experienced by those who seek financial advice is this: it is an opportunity to take the time to discuss in-depth your financial life and circumstances with an expert; an opportunity to take stock of where you are, what you want to achieve, any challenges, and solutions you are looking for.

    Financial advice is not solely about 'product' - i.e. types of investments, types of insurance etc - rather it is about accessing the knowledge of an experienced professional who can apply their expertise to your individual circumstances and aspirations, and make well-informed recommendations for your financial life.


  • What can I expect from your advice service?

    From our initial meeting to ongoing reviews, we always put your goals front and centre.

    We start our discovery process with a handy Fact Finder questionnaire. This assists us in gathering the information we need to understand your current ‘financial picture’: where you’re at, what your pain points are, and the goals you have in mind.

    With our Scope of Service defined, we arrange an initial meeting with you. This is an opportunity for us to delve deeper into your current circumstances, and start outlining a plan and a timeline appropriate to your goals.

    Once you’re happy with our recommendations, we walk you through the implementation phase. This is the point where your financial plan becomes actionable and measurable. Over time, we’ll help you keep on top of progress, by reviewing your situation regularly and monitoring the results.

    To get the conversation started, please feel free to email us at or give a call on 09 308 2412. We look forward to assisting you.

  • What makes a good retirement plan?

    A good retirement plan is an essential step towards achieving the lifestyle you aspire to for your post-work life, helping ensure a comfortable and secure future.

    The goal is to create a durable income stream that you can live on by: (1) determining your future spending needs; (2) investing in a diverse range of assets, appropriate for your time horizon and risk profile; (3) paying off debt, particularly the mortgage.

    We can help you devise a savings and investing strategy that balances your tolerance for risk with your short and long-term goals.

  • How much money do I need to be saving each month?

    The reality is, when it comes to retirement, one size does not fit all. Everyone is different and has different needs. So the important thing is to define what works for you, and ensure you’re on track to get there.

    Just to give you a ballpark figure to start from, assuming you’ll be entering retirement mortgage-free, you should aim to put aside roughly 25 times your annual expenses. This way, if you retire at 65, you’re likely to have all your annual outgoings covered until you turn 90.

    Of course, this is merely a rule of thumb, but it gives you a starting point. The next step is to find what comfortable retirement means for you.

  • Can you help with retirement projections?

    Yes, projections are a key component of our retirement planning process. Over time, we’ll check in with you to see how you’re tracking and provide up-to-date estimates of your funds come retirement age – both as a lump sum amount and as a monthly benefit.

  • What do you charge for your services?

    Depending on the types of service we provide, we might receive a commission fee from the provider, or charge clients an hourly rate.

    We usually get a commission fee for our advice on DHB Superannuation, KiwiSaver and insurance. For broader financial planning or advice on lump-sum investment plans, we may either charge clients an hourly rate of $200 per hour or a one-off fee, based on the client’s requirements.

    We will discuss the fee rates with you in an open manner during our initial meeting. 

  • What other services do you provide?

    Alongside Retirement Planning, we specialise in broader Wealth Management (including insurance and investment advice) and Lump-Sum Investment.

    Wealth Management: From ensuring you are receiving the superannuation you are entitled to as a medical professional employed by a District Health Board in the Greater Auckland region, to investment strategies and risk management through appropriate insurance options, at Tonkin Financial we can provide wealth creation and protection advice, for your individual needs. Find out more here.

    Lump Sum Investment: If you have a financial windfall at hand, lump-sum investment can often be an effective tool to boost your wealth. At Tonkin Financial, we partner with ANZ's OneAnswer Portfolio Service, which provides access to an extensive range of investment options, including New Zealand and international equities, fixed interest and cash (including foreign currencies) and can assist you with your investment decisions and building your portfolio. Find out more here.



A few words from our clients

“John has been my financial adviser since I came to New Zealand from the UK six years ago. He has looked after my and my wife’s pension, life insurance, and income protection with expertise, as well providing valuable general financial advice. He is always friendly, reliable and responsive. I would highly recommend him.”
Dr Paul Dawkins
“I have been investing DHB Super with John since the mid 2000’s and more recently some personal investing. I have found him well informed about the markets, able to take on board my concerns and suggestions and after providing balanced information he always leaves the final decision on allocation to the investor. John is readily contactable to review your portfolio should conditions change and encourages regular reviews."
Dr Mike Louw
“John has advised me on investments, superannuation and KiwiSaver. I have always found him to be helpful, trustworthy and responsive”
Dr J.J.

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