Is financial planning separate from mortgage advice?

For mortgage advisory clients, foundational financial planning is included in the first session. If you need to go further — a detailed, specific plan with a clear roadmap — that is a separate service.

Do I need a large income or investments?

No. Financial planning can be valuable regardless of your income level. The purpose is to help you make better decisions with the resources you have today.

How many coaching sessions do I need?

Some clients benefit from a single strategy session, while others prefer ongoing support and accountability through regular reviews. We tailor the approach to your situation and goals.

Can financial planning help me prepare to buy a home?

Yes — many clients start planning before buying a property to clarify borrowing capacity, deposit goals, and future affordability.

How much does financial planning cost?

For mortgage advisory clients, financial planning is included in the foundation session. For other clients, coaching is $250 NZD per hour. If you book multiple sessions in advance, a discount applies.

Couple planning their financial future on the New Zealand coast

Foundations

Financial Planning Around Your Goals.

Clear financial direction for where you are today and where you want to be.

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Why Financial Planning Matters

A clear picture of how everything connects.

Most people make financial decisions one at a time. We help you see how everything connects.

Where your money goes
How decisions affect future opportunities
What goals are realistically achievable
How to balance property, savings, and investments
How to build long-term financial confidence

Clarity

Your real financial position — not just numbers, but what they mean for your options.

Structure

Visibility over cashflow, commitments, and the path toward your goals.

Direction

Confident decisions aligned with your goals — property, wealth, or financial freedom.

Financial Coaching

A structured process for long-term financial clarity.

We review your full financial picture and build a practical framework around your goals. Sessions can be one-off or ongoing — tailored to where you are and what you need.

Financial Planning Services

Cashflow & Budget Planning

Understand where your money goes and structure it better.

Income and expense analysis
Budgeting strategies
Identifying financial pressure points
Improving financial visibility
Cashflow planning

Mortgage & Lending Strategy

How lending fits into your broader financial picture.

Affordability analysis
Repayment planning
Debt management
Refinancing considerations
Future borrowing flexibility

Goal-Based Financial Planning

Financial decisions aligned with where you want to be.

Home ownership
Investment property planning
Family and business goals
Retirement preparation
Financial independence

How the Process Works

From first conversation to ongoing clarity.

Discovery Session

We discuss your goals, situation, and priorities to understand what you want to achieve.

Financial Review

We review your income, expenses, assets, and liabilities to establish a clear baseline.

Strategy Development

We identify opportunities and create practical, actionable recommendations tailored to your goals.

Implementation & Support

Regular reviews and coaching sessions to keep you on track.

Who Is Financial Planning For?

Who Can Benefit From Financial Planning.

First home buyers

Young professionals

Growing families

Self-employed clients

Property investors

Anyone seeking financial clarity

Frequently Asked Questions

Common questions, clear answers.

Advice from

Lena Bykova — Mortgage & Investment Adviser

Licensed Financial Adviser (FSP1010055) · 20+ years across finance, valuation, investment analysis and business advisory in New Zealand.

About Lena

Ready to Build a Clear Financial Plan?

Start with a clear conversation.

Whether you are preparing to buy a home, improve your cashflow, or simply gain greater clarity around your finances — let's talk.