NEWTON ROSS clients are typically investors with higher net wealth or substantial savings capacity.  

Family Trust

Trustees are under ever increasing pressure to meet their fiduciary requirements.

NEWTON ROSS can assist trustees, particularly independent trustees, to examine, then determine the best way to financially meet the obligations of the Family Trust.

Every Trust is different. NEWTON ROSS sits down with trustees to understand the full nature of the Family Trust and identify the best way they can meet the financial obligations to beneficiaries.

The kids are coming! Trustees tend to focus on meeting the needs of the discretionary beneficiaries/settlors…but final beneficiaries’ needs should be considered too. The kids (and their spouses) are getting older and taking more interest in the financial affairs of Family Trusts. This needs to be managed carefully.

NEWTON ROSS has developed sophisticated cash flow and investment return forecasting techniques to help trustees’ to best determine the most efficient and appropriate investment strategy for the investment of Trust funds.

Once calculated, we put this strategy in writing for the trustees.  This creates a decision making framework (often called a Statement of Investment Policies and Objectives) for trustees to use. This provides protection for trustees knowing they are doing the best they can.

When trustees engage NZ DIMS to manage an investment portfolio for the Trust we also provide a formal annual review of the progress of the Trust investments against the plan to ensure the Trust strategy is on track or whether a change in circumstances may require new forecasting and a revised strategy.

Sold your farm or business?

We have worked with many business and farm sellers over the years. A sale can release significant funds which can be very exciting but in our experience is also very stressful for people.  Long term business builders (particularly intergenerational) can find the transition from active business management to being a passive investor a fraught process.

When you have built your life around your business or farm then selling it can be a highly emotional and life changing event. Aside from working through the financial issues, people need to determine what they will do with the rest of their life, how to balance the demands of family and how best to protect their wealth given the business has gone.

Selling can also create issues particularly when family relationship dynamics are involved.  We understand the pressures and know how to assist, deflect and reduce conflict through sensible financial modelling of competing needs.

We have developed sophisticated investment return and cash flow forecasting techniques to help calculate the best options for you. This work provides a clearer picture of the different wealth outcomes you can achieve using different strategies.

Our advice is independent – this means we always have your best interests when recommending any investment strategies – if the right answer for your funds is to stay in cash at the bank then we will recommend that.

Work out what is best first. Don’t be pushed into making quick investment decisions, take the time to work out the right way forward.

Clients that also engage NZ DIMS to manage an investment portfolio for them also receive annual cash flow and wealth management checks to ensure their strategy is on track or whether a change in circumstances requires new forecasting and a different strategy.

 

Free cash flows to invest?

How much money do you need to be financially independent and when can this be achieved? What is the most efficient way of turning your cash flows into future wealth?

NEWTON ROSS has developed sophisticated investment return and cash flow forecasting techniques to help you calculate your financial future.

This forecasting work will provide a clear picture of the different types of wealth outcomes you can achieve considering different savings, expense levels and investment strategies.

Our advice is independent – this means we always focus on your best interests when recommending any investment strategies – if the right answer for you is to accumulate bank savings then we will recommend that.

Clients that also engage NZ DIMS to manage an investment portfolio for them also receive annual cash flow and wealth management checks to ensure their strategy is on track or whether a change in circumstances requires new forecasting and a different strategy.

 

Retired or retiring?

When we ask our retired clients what is their most stressful financial issue, they almost always reply “certainty”. Certainty is having confidence your wealth will meet your needs in retirement.

Know your options. Some people want to preserve their wealth for the next generation, others are happy to spend it.  Our financial modelling will provide you with a clear picture of the different types of wealth outcomes you can achieve considering different savings, expense levels and investment strategies in retirement.  This work includes the risk of running out of money and how this might be best managed.

Our advice is independent – this means we always focus on your best interests when recommending any investment strategies – if the right answer for your funds is to invest in cash at the bank then we will recommend that.

Clients that also engage NZ DIMS to manage an investment portfolio for them, receive annual cash flow and wealth management checks to ensure their strategy is on track or whether a change in your circumstances requires new forecasting and a different strategy.

We can also assist to manage client cash flows to ensure they receive a regular monthly payment to their bank account from the investment portfolio to meet their expense needs.

 

Charitable Trust?

Trustees are coming under ever increasing pressure to meet their fiduciary requirements.

NEWTON ROSS has considerable experience working with Charitable Trusts to assist trustees best assess the most efficient way of investing Trust assets to meet the obligations/liabilities of the Trust.  This can be a complex process that necessitates careful planning.

Many Charitable Trusts have perpetual obligations and need to balance both short term and long term funding demands. 

We meet with trustees to understand the full nature of the Trust and its financial requirements.  We review the trust deed, supporting business documents, financial accounts and overall business strategy for the Trust.

We can then apply sophisticated financial modelling to help trustees determine the most efficient strategies for the investment of Trust funds.

Once calculated, we put these strategies into writing creating a decision making framework (often called a Statement of Investment Policies and Objectives) for trustees to use. This provides protection for trustees knowing they are doing the best they can.

Our advice is independent – this means we always focus on the Trusts’ best interests when undertaking the work.

Where trustees also engage NZ DIMS to manage an investment portfolio for the Trust we will also provide a formal annual review of the progress of the Trust investments against the plan to ensure the Trust strategy is on track or whether a change in circumstances may require new forecasting and a revised Strategy.

 

Coming to live in New Zealand?

Whether you are coming home after a long stint overseas or coming to live in New Zealand for the first time, there is much to think about! 

Aside from the organisational stress of getting settled in, there are substantial financial considerations as well.  It is best, if possible to review your financial needs in advance of arriving to live.

Complex investment, tax and asset protection issues need to be understood and assessed for your situation.

We have experience in working with returning Kiwis and new migrants. We understand the financial issues and can bring in tax experts where required to get opinions that might affect your situation. We also have access to specialist asset protection lawyers that can assist you with the right structures.

You may have pension transfer requirements, offshore investment requirements (to utilise the transitional tax rule benefits), currency strategy requirements or maybe a new migrant investor needing to meet "Acceptable Investment" criteria for your residency application.

We can assist with these issues while also undertaking sophisticated financial modelling to help you optimize the best use of your capital as a New Zealand resident or non-resident investor.

Our advice is independent – this means we always focus on your best interests when recommending any investment strategies.