Retirement Planning
Plan today for the retirement you deserve - with confidence, clarity, and a strategy that’s uniquely yours.
Retirement Savings Goal Planner
Work backwards from your retirement goal to see what you need to save each month — and whether you're on track.
Let's build a plan to close the gap and get you on track for retirement.
Book a free consultationRetirement Should Be Something to Look Forward To
Retirement is one of life’s biggest transitions - and one that requires careful financial planning to get right. How much do you need to retire comfortably? When can you afford to stop working? How do you turn your savings into a sustainable income that lasts? These are the questions that keep many New Zealanders up at night.
At Moana Financial Services, we help individuals and couples build a clear, realistic retirement plan. Whether retirement is 30 years away or just around the corner, having a strategy in place gives you confidence and control over your future.
Key Elements of Retirement Planning
How much you need depends on the lifestyle you want. Research from Massey University suggests a single person in a metro area needs savings of around $273,000 on top of NZ Super for a comfortable retirement, while a couple needs approximately $429,000. Your number may be higher or lower depending on your circumstances, expectations, and whether you’ll own your home outright.
We help you define what retirement looks like for you and work backwards to set a realistic savings target.
Setting Your Retirement GoalFor most working New Zealanders, KiwiSaver will be a cornerstone of their retirement savings. But many people are in the wrong fund type for their age and timeframe, or aren’t contributing enough to receive the full government contribution. We review your KiwiSaver settings and help you optimise them for retirement.
Maximising Your KiwiSaverKiwiSaver alone is unlikely to fund the retirement most people want. Building additional savings through managed funds, term deposits, property, or other investments can significantly boost your retirement income. We help you develop a diversified savings strategy that complements your KiwiSaver.
Understanding NZ SuperannuationNZ Super provides a base level of retirement income for those who qualify. As at April 2026, the rates are approximately $507 per week for a single person living alone and $781 per week for a couple (both qualifying). We help you understand how NZ Super fits into your overall retirement income picture and what gaps you may need to fill.
Transitioning Into RetirementThe shift from saving to spending requires a different mindset and strategy. We help you plan the transition, including deciding when to access your KiwiSaver, how to structure withdrawals for tax efficiency, and how to manage your investments to provide sustainable income over a retirement that could last 25 to 30 years or more.
Building Additional Savings and InvestmentsWhen Should You Start Planning?
In your 20s–30s: Start early and let compound growth do the heavy lifting. Even small increases in contributions now have an outsized impact over decades.
In your 40s: A critical decade for course correction. Review your KiwiSaver fund type, consider additional investments, and get serious about your retirement number.
In your 50s: Detailed planning time. Map out your expected retirement income from all sources and identify any gaps while you still have time to close them.
In your 60s: Transition planning. Decide when to retire, how to access your funds, and how to structure your income for the years ahead.
Retirement Planning for Charities and NFPs
If you’re a charity or not-for-profit employer, supporting your staff’s retirement readiness is part of being a good employer. We can help you provide KiwiSaver education for your team, ensure your employer contributions are optimised, and offer staff access to financial planning resources.
No matter where you are on the journey, it’s never too early or too late to plan.