Financial clarity for you and your business
Your personal and business finances are closely connected. An integrated approach gives you clarity, control, and a financial plan that sets you up for long-term success.
What we do
At Spectra, we understand that your business and personal life are closely connected. By aligning both, we help you build a solid financial foundation and achieve the goals that matter most.
Business consulting
We support business owners with meaningful financial insights, tailored strategies, and ongoing guidance so you can make informed decisions and build a business aligned with your long-term aspirations.
Personal financial planning
We support business owners, individuals, and families in bringing clarity and confidence to their personal finances. Our independent, conflict-free advice and customised financial plans help ensure you’re on a path that aligns with your goals.
What makes us unique
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Business & personal expertise
We have the background and skills to guide your business and personal finances in a unified way.
We can provide insight on your business, budgeting, KiwiSaver, investing, insurance and mortgages.
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True independence
We avoid the conflicts of interest that are common in the financial services industry.
We do everything we can to align our interests with those of our clients.
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A holistic, values-based approach
We believe in aligning your finances in a way that aligns with your goals and values.
Uncovering what those goals and values are is an important, and often illuminating, first step.
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You won't be locked in
We offer transparent services that do not involve ongoing fees.
Financial plans are a one-off cost and our other offerings are charged hourly with the ability to stop at any time.
How we work together
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Discovery (free)
Business - a short, no-cost review of your business.
Personal - a 30 minute meeting to see if the fit is right.
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Business consulting
An hourly service in line with the agreed scope, which we can adjust as needed.
You are not locked in and can end this service at any time.
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Personal financial plan
Financial plan - a complete review your finances resulting in a comprehensive financial plan.
Financial plan + coaching - a financial plan as above plus 3 months of budgeting support and ongoing accountability.
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Personal hourly service
Ad hoc - if you prefer to engage our services on a less structured, ad hoc basis.
Review - for clients who have previously used the financial plan service and would like a review to ensure the advice remains relevant and appropriate.