Josh Hoskin Smart Money [email protected]

Once again the New Year is here, congratulations you made it.

Life can be hard, but being here is better than the alternative. In the year of the dragon, luck will be on your side. Although any golfer know that luck is helpful, some planning of your own will go a long way.

If you need a third party advocate that can help think outside the box, go and see a financial planner right now. Not next week or next month, now still remains the best time to do something.

A good planner might help you with your personal savings or retirement goals or even review your insurance needs. A planner may help with your business risk insurance plans including investigating Key Person risks and your ACC Levies. A planner might even help you increase the yield on your investments without taking undue risk.

Whatever it is you may need from a financial point of view, a financial planner who is an Authorised Financial Adviser with the right attitude like myself should be able to help. If you want any help, please come and see me. I am only a phone call, text or email away.

The article is based on personal opinion and may not be representative of the views of Goldridge Ltd. Josh Hoskin is an authorised financial adviser with Goldridge Wealth Management. A copy of his Disclosure Statement is available free on request. This article is not personalised advice under the Financial Advisers Act 2008. Readers should not act on any suggestions in this column without taking professional advice that takes into account their current circumstances and appetite for risk.