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Wealth Management

Grow and protect your wealth.

Our Services

Time to make your financial health a priority?

A career in the medical field can be both challenging and deeply rewarding. It’s busy, it’s fast-paced, and of course, it’s meaningful. But the reality is, this whirlwind can leave little time for other important aspects of life, including your financial future. Like to give your financial life a health check? We’re here to help.

Financial health shares a lot of similarities with physical health – it’s a complex and interconnected state, and everyone is unique. That uniqueness is what a smart wealth management plan is designed to address.

Wealth creation and wealth protection go hand in hand, and they need to be aligned with you – your needs, your goals, and your attitude to risk. Like to get started? Contact the team at Tonkin Financial.

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Superannuation and your financial future

Are you missing out on up to 6% of your income?

This is a must-see video for medical professionals employed by a Greater Auckland District Health Board. Take a minute to watch and if you have any queries, we welcome you to get in touch.
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Managing your investment portfolio.


Your unique circumstances matter to us. At Tonkin Financial, we take the time to identify the outcomes you’re looking for, and work with you to design and implement a tailored investment plan.

We start with a discovery process (what we call the Fact Find) to better understand where you’re at, what your pain points are, and the goals you have in mind – your initial ‘financial picture’. Then, we explore your risk profile (your level of comfort with volatility and loss) and your investment timeframe (the length of time before you'll want to withdraw from your investment).

Finally, we move on to the recommendation and implementation phase. This is where we focus on getting the investment mix right, and help you design a diversified portfolio to support your goals. Over time, we'll also help you ensure that your investment plan keeps up with your needs.

Ready to get your investment planning on track to deliver the future you envision? We’re here to help.

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Protecting your finances from the unexpected.

Risk – you probably hear this word all the time. As a medical professional, the concept of ‘risk’ is part of your everyday vocabulary.

Think of insurance as a form of financial protection – a safety net to protect your most important asset (yourself), the life you have built and your aspirations for the future, from the financial consequences of unexpected events.

Depending on your circumstances, we can help you look at appropriate insurance options to protect your income and provide yourself and your family with financial support in the event of critical illness or injury and more, as relevant to your needs and circumstances.

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FAQs

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 info@tonkinfinancial.co.nz or give a call on 09 308 2412. We look forward to assisting you.

  • 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 offer?

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

    Retirement Planning: We view retirement planning as a multi-step process that evolves with you over time – the key thing is to start, have a plan in place and take proactive steps to ensure you’re on track. 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
“John has advised me on investments, superannuation and KiwiSaver. I have always found him to be helpful, trustworthy and responsive”
Dr J.J.
“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

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