Email: whangarei@isnorthland.co.nz
Address: 2/30 Rathbone Street, Whangarei
Website: www.isnorthland.co.nz
Bill Raynel – Business Owner & Authorised Financial Adviser of Investment Solutions Northland
I have been advising the public on the placement of investments since 1997. In the sixteen years of my involvement with the investment industry, I have learned a great deal about the needs of my clients, and I have tailored my business and my investment planning strategy to suit those needs. I believe in good old fashioned customer service, building and maintaining strong client relationships with caring, honesty, integrity and openness.
KiwiSaver – Everyone who is under 65 should consider joining, as KiwiSaver can play a very important role in a diversified investment portfolio. However, it is important that people consider their options carefully and make smart decisions about the type of KiwiSaver scheme they invest in.
If you are interested in joining KiwiSaver, or if you wish to consider switching providers, please contact your ISN adviser.
Financial & Investment Advice – At ISN, we begin our conversations with a discovery process that allows our advisers to know and understand your financial needs and goals – we call this ‘needs-based advice’.
Once this discovery process is complete, our advisers are in a much better position to recommend how clients should allocate their money. Most peoples’ needs can be matched to four general categories in this way.
Short Term spending needs – Money set aside, in relative safety, to meet normal spending needs in the next couple of years e.g. household and living expenses.
Future Income needs – To enable our clients to plan for their medium-term needs (the next three to five years) with confidence e.g. a trip overseas to see the grandchildren or a future medical procedure.
Inflation Protection needs – To future-proof spending power, over time, from the effects of inflation.
Future Growth needs – The ‘engine room’ of the portfolio, intended to grow our clients’ capital in the long term.
The outcome of this process is an individually tailored financial plan, made up of portfolios that reflect each of the needs categories outlined above. These portfolios are designed to collectively meet each client’s personal financial and lifestyle goals.
