I'm Nick Carr, an independent financial adviser in Whangarei. I don't sell products and I don't earn commission, so there's nothing I'm quietly steering you toward.
Most of what's here is free. The calculators are Excel spreadsheets you download and keep, built because I couldn't find New Zealand versions that handled PIE tax, FIF, KiwiSaver or our mortgage structures properly. The blog is eight years of working through the same questions.
When you'd rather not do it alone, that's what the advice is for.
Calculators — 100+ free Excel spreadsheets. Yours to keep. No email required.
How I help — A full plan, or one decision worked through properly.
The blog — Eight years of writing on financial independence, investing, housing, retirement, budgeting, and everything in between.