TGN LIFE

TGN LIFE provides advice and management of life, trauma recovery (critical illness care), disability (income protection, total permanent disability) insurances. The best way to show you your world is to draw a picture. The primary difference that sets us apart from our peers is that few use clever software to create ‘pictures’ in front of your eyes of your lifetime cashflow, once you can see these making decisions is so much easier. More specifically, the information we gather about your income, expenditure (including ALL future insurance costs) and debt levels builds an illustration in graph form which looks beyond your mortgage to see how your life might eventuate. We talk about any future plans, such as a how a different job, growing family, or lifestyle changes might alter your financial outcome. We also consider factors such as inheritances, business sales, property portfolios and any anticipated KiwiSaver.

The software doesn’t just show your current position, many clients come to us wondering what action they should take on a certain issue. The great thing about carefully constructed projections is that we can give you the foresight you need to avoid costly mistakes and make better choices. Importantly, this modelling is not a one-time only service, it is something we can provide on an ongoing basis and indeed we provide clients with a login to their own plan. Once we have your information in our system, we simply update the data as your plans change and evolve. It really is all about you.

Mortgage repayment comparison

Even with an enhanced payment program many people find it hard to focus on anything other than their mortgage. We purposely look beyond your mortgage and see this as a stepping stone in a wider strategy

lifetime cashflows

Any approach you have for clearing debt can be channelled into your plan for the future. Assuming you can save at the same rate you clear debt, then we can map out long-term strategies to help achieve your retirement goals.