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At Lighthouse Financial, we help you take the right steps toward your financial goals, now and in the future.
Think of us as your guide, shining a light on the path ahead so you can make confident decisions at every stage of life. Because money should give you freedom, not stress.
Whether it’s tackling debt, investing, or protecting your family, we’ll build a clear plan around your goals.
Create an independent, tailored portfolio to grow your wealth.
Build structure and clarity around your money.
Take control and reduce financial stress.
Make sure your retirement savings are working hard for you.
Navigate home ownership or investment with confidence.
Protect your family, lifestyle, and future with the right cover.
Speak with an advisor and discover how tailored financial advice can give you clarity and confidence.
Think of us as your guide, shining a light on the path ahead so you can make confident decisions at every stage of life. Because money should give you freedom, not stress.
Whether it’s tackling debt, investing, or protecting your family, we’ll build a clear plan around your goals.
Create an independent, tailored portfolio to grow your wealth.
Build structure and clarity around your money.
Take control and reduce financial stress.
Make sure your retirement savings are working hard for you.
Navigate home ownership or investment with confidence.
Protect your family, lifestyle, and future with the right cover.
Small, smart steps today can create big financial freedom tomorrow. Imagine what your wealth could look like with the right strategies in place.
Mark and Jane are 40, have a household income of $300,000 per annum and a $600,000 mortgage. With a strong income and solid foundation, Mark and Jane didn't need to overhaul their lifestyle, they just needed a structure and direction.
Over 25 Years |
Without a Plan |
With a Plan |
Outcome |
|---|---|---|---|
Mortgage Paid Off |
30 Years |
11 Years |
Eliminated their largest expense 19 years sooner |
Interest Paid on Mortgage |
$549,000 |
$170,000 |
$379,000 in saved interest costs |
KiwiSaver Balance |
$1,116,000 |
$1,710,000 |
An additional $594,000 in savings |
Investment Property |
nil |
$414,000 |
In capital gains after costs |
Managed Funds |
nil |
$1,444,000 |
In additional savings |
Retirement Savings |
$1,116,000 |
$3,569,000 |
Retire with less financial stress |
In this scenario, Mark & Jane are $2.4M better off with a financial plan.
How it was achieved
Structured accounts and budgets to maintain annual expenses of $100,000 (excluding the mortgage).
Leveraged home equity to purchase a $750,000 investment property.
Shifted from a balanced KiwiSaver fund to an actively chosen provider and fund.
Began contributing regularly to managed funds once the mortgage was repaid.
Disclaimer: For confidentiality reasons, the following case study is a fictional example based on scenarios we commonly see with clients. These numbers are based on historical returns. Outcomes will vary depending on your financial circumstances, ability to stick to a plan, and future market conditions. This is for illustrative purposes only and does not constitute personalised financial advice. Read more about the details of our case study here.
At Lighthouse Financial, we charge a simple flat fee for your financial plan. That means our time is already covered we don’t need to “sell” you products or push you toward a particular solution. Our only focus is building the best possible financial plan for you: clear, unbiased, and designed around your goals.
Your financial future isn’t luck, it’s choice. With the right plan, you hold the power to Protect your Family, Grow your Wealth and Live life on your terms.
Stop worrying about money and start focusing on the life you want.
From day one, our focus has been on helping Kiwis feel confident about their money — and with 200+ five-star reviews, we’re proud to be doing just that.
"We recently needed to remortgage our rental portfolio and chose to work with the team at Lighthouse Financial Services. It turned out to be a fantastic decision! From the very start, they were professional, supportive, and made the entire process so much easier for us."
"We recently needed to remortgage our rental portfolio and chose to work with the team at Lighthouse Financial Services. It turned out to be a fantastic decision! From the very start, they were professional, supportive, and made the entire process so much easier for us."
"We could not recommend the team more highly. Navigating the process of purchasing a first home is filled with questions and unknowns so having support from these two was fantastic. They were responsive, clear, approachable, worked to understand what we needed and had it all covered."
"We could not recommend the team more highly. Navigating the process of purchasing a first home is filled with questions and unknowns so having support from these two was fantastic. They were responsive, clear, approachable, worked to understand what we needed and had it all covered."
"Lighthouse were very quick and easy to work with. The staff had great communication and processed my tax return within a few days. I recommend their service."
"Lighthouse were very quick and easy to work with. The staff had great communication and processed my tax return within a few days. I recommend their service."
"I've been working with James from Lighthouse for the last 2 years. James has been working with me to help me define and maintain my financial goals and manage my investments. James is extremely easy to deal with and explains things in a very simple and easy to understand way. "
"I've been working with James from Lighthouse for the last 2 years. James has been working with me to help me define and maintain my financial goals and manage my investments. James is extremely easy to deal with and explains things in a very simple and easy to understand way. "
"Great experience working with Jess and the Lighthouse team. Jess was extremely diligent and had continued great communication throughout. We feel extremely confident moving forward with Jess guiding us through our financial goals."
"Great experience working with Jess and the Lighthouse team. Jess was extremely diligent and had continued great communication throughout. We feel extremely confident moving forward with Jess guiding us through our financial goals."
"We have just brought our 2nd investment property with the help of Vinny & Laura. Their communication is clear, concise and timely and they’re so easy to work with. I look forward to building our property portfolio with them alongside us."
"We have just brought our 2nd investment property with the help of Vinny & Laura. Their communication is clear, concise and timely and they’re so easy to work with. I look forward to building our property portfolio with them alongside us."
"Lighthouse financial were super awesome in helping our family buy our first home. Laura and Vinny were always prompt and professional with their support. Highly recommend lighthouse and more specifically Laura and Vinny for all your mortgage related needs."
"Lighthouse financial were super awesome in helping our family buy our first home. Laura and Vinny were always prompt and professional with their support. Highly recommend lighthouse and more specifically Laura and Vinny for all your mortgage related needs."
"I’ve had an excellent experience with James and the team at Lighthouse. Their financial advisory services have improved my financial literacy through one-on-one meetings, webinars, and podcasts."
"I’ve had an excellent experience with James and the team at Lighthouse. Their financial advisory services have improved my financial literacy through one-on-one meetings, webinars, and podcasts."
"I would encourage anyone looking to sort your financial planning and investing to check these guys out , and also the mortgage brokers team who bent over backwards for my situation to get me across the line! They keep you in the loop of the progress and suggest options along the way to take advantage of any situation presented. "
"I would encourage anyone looking to sort your financial planning and investing to check these guys out , and also the mortgage brokers team who bent over backwards for my situation to get me across the line! They keep you in the loop of the progress and suggest options along the way to take advantage of any situation presented. "
"They guided me in securing health, life, and income insurance, and helped me get my Will sorted. I really appreciate their expertise and genuine commitment to their clients. I highly recommend their services - I even referred my dad to them."
"They guided me in securing health, life, and income insurance, and helped me get my Will sorted. I really appreciate their expertise and genuine commitment to their clients. I highly recommend their services - I even referred my dad to them."
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1. A Lighthouse team member will reach out to see which of our Mortgage, Property, Wealth, or Accounting services best suits your needs.
2. You’ll be matched with a specialist who best understands your situation.
3. With their guidance, you’ll take the next steps toward securing the right financial solution for you.
