What are the opening hours?

Monday 8am - 8pm Tuesday 8am - 8pm Wednesday 8am - 8pm Thursday 8am - 8pm Friday 8am - 8pm Saturday 9am - 5pm

Total Wealth

Home
New Zealand
Christchurch
Total Wealth

Call Directions Website Contact the business

Total Wealth helps Kiwis make smarter money decisions. Wealth Planning, Home loans, KiwiSaver, retirement and insurance. Based in Christchurch helping NZ wide.

Friendly expert advice with wider support from a stronger team. www.totalwealth.co.nz At Total Wealth, we help everyday New Zealanders make smarter financial decisions with clear, friendly advice. Whether you're buying your first home, reviewing your mortgage, growing your KiwiSaver, planning retirement, protecting your family, or building long-term wealth, our experienced team is here to guide you every step of the way. Born from the coming together of Friendly Finance and Total Wealth, we bring together wider expertise, more support, and a stronger team - all with the same personal service our clients know and trust. Based in Christchurch, helping clients across New Zealand. Friendly advice. Smarter strategies. Better futures.

19/10/2026

The value of advice can be invisible.

A good financial adviser might help you earn better investment returns.
But some of their most valuable work can be much harder to see.

- The investment you didn’t sell during a market downturn.
- The risk you spotted before it became a problem.
- The decision to change course before retirement.
- The conversation that stopped you putting too much money into one opportunity.
- The reassurance that meant you could actually enjoy spending some of the wealth you’d spent decades building.

Sometimes the greatest value of advice is the mistake that never happened.

14/10/2026

Don’t start with “How much will the bank lend me?”
A better question is: “What mortgage can I comfortably live with?”

There can be a big difference.

Buying a home shouldn’t mean stretching your finances so far that there’s nothing left for holidays, KiwiSaver, investments, emergencies - or simply enjoying life.

That’s why mortgage advice should start with you, not the maximum number on a lending calculator.

We can help you understand your options, work through the numbers and structure your lending around both the home you want and the life you want to live.

Because your mortgage is only one part of your financial plan.

One life. One financial plan.

Book a free chat today www.totalwealth.co.nz/book/

13/10/2026

Financial planning is changing - and we think that’s a good thing.

New technology and AI can help advisers analyse information, streamline processes and spend less time on administration.

But the goal shouldn’t be to remove people from financial advice. QUITE THE OPPOSITE.

It means as advisors we have more time to work face-to-face with you -
- To ask the right questions.
- Challenge assumptions.
- Talk through the options.

And help you make confident decisions about your money.
Because your financial future deserves more than an algorithm. It deserves expert human experience.

06/10/2026

A financial plan isn’t just about your money. It’s about what you want your money to make possible.

Today 7 October is World Financial Planning Day - a day that highlights the value of having a clear plan for your financial future.

Good financial planning brings the different pieces together: your mortgage, KiwiSaver, investments, insurance, retirement plans and the goals you have for yourself and your family.

It can help answer questions like:

Are we on track for the retirement we want?
Could our investments be working harder?
Are we making the most of KiwiSaver?
Are we carrying the right level of debt?
Would our family be financially secure if something unexpected happened?

And perhaps most importantly: Are the financial decisions we’re making today taking us where we actually want to go?

At Total Wealth, financial planning isn’t about selling you another product. It’s about looking at the bigger picture and helping you make informed, confident decisions about your money.

Let's jump on a call and chat through your plan.

05/10/2026

Building a new home? There’s more to the numbers than the build price.

Turnkey or progressive payments? Both have advantages, and there’s no one-size-fits-all answer.

A progressive-payment build could potentially save you tens of thousands upfront - but as the build progresses, you may find yourself paying increasing construction costs while still covering your current mortgage or rent.

Turnkey can offer more certainty, but that convenience can come at a higher price.

Then there’s your deposit, equity, interest rates, cash reserves, build timeframe and what happens if costs or timelines change.

There’s a lot to think about.

Before signing a building contract, get professional advice and understand how the whole journey will affect your finances - not just what the house costs at the end.

Talk toNigel or Katrina and get the numbers working for your situation.

30/09/2026

A very special family celebration 💍

Huge congratulations to Nigel's daughter Charlotte and her new husband Ryan on their marriage.

Behind every business are real people, families and all the important moments that happen away from work — and this was certainly one worth celebrating. Nigel and Kelly managed to keep their plans under wraps and surprise Charlotte on her special day.

From all of us at Total Wealth, congratulations to the newlyweds! 🥂

29/09/2026

Caught up with Laura Daly - Lawyer today for a deeper chat around Wills and Enduring Power of Attorneys EPA's and the importance of having them in place.
We will be delving a little deeper into these so watch out for our upcoming videos.

28/09/2026

You don’t need more investments. You need a better portfolio.

It’s easy to accumulate investments over time.

A KiwiSaver fund here.
Some shares there.
A term deposit that rolled over.
A managed fund recommended years ago.
Maybe an investment property or two.

Individually, they might all be perfectly reasonable investments.

But do they actually work together?

As your wealth grows, the question becomes less about finding the next investment and more about making sure your overall portfolio has a clear purpose.

Are you properly diversified?
Are you taking more risk than you realise - or perhaps not enough?
Are you paying unnecessary fees?
Do you have the right balance between growth, income and protecting what you’ve already built?

A good portfolio isn’t simply a collection of investments.

It’s a strategy built around your wealth, your timeframe and what you want your money to achieve.

If you’ve built up various investments over the years but haven’t reviewed the bigger picture recently, it could be worth having a conversation with Nigel or Katrina.

Sometimes the opportunity isn’t adding something new.

It’s making what you already have work better together.

Book a free chat www.totalwealth.co.nz/book/

21/09/2026

If you earn more but spend all of it, did you actually get richer?

A pay rise feels like progress - and it can be.

But if every extra dollar quietly gets absorbed into a more expensive lifestyle, your financial position may not have changed much at all.

Building wealth isn’t just about earning more. Without stating the obvious, it’s about what you do with the gap between what comes in and what goes out. More income gives you more options.

The trick is making sure at least some of those options benefit your future self.

15/09/2026

MONEY MYTH: You need lots of money before financial planning becomes worthwhile.

You don’t need to be wealthy to start making smarter decisions with your money.

In fact, financial planning can be most useful while you’re still building - juggling a mortgage, KiwiSaver, savings, family costs and future goals.

It’s not about having a huge investment portfolio.

It’s about making the money you do have work harder, in the right places.

Good planning helps you build wealth. It’s not just for people who already have it.

Address

Ground Floor, 568 Wairakei Road, Burnside
Christchurch
8053

Opening Hours

Monday	8am - 8pm
Tuesday	8am - 8pm
Wednesday	8am - 8pm
Thursday	8am - 8pm
Friday	8am - 8pm
Saturday	9am - 5pm

Telephone

0211862768

Website

https://www.totalwealth.co.nz/

Alerts

Be the first to know and let us send you an email when Total Wealth posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Contact The Business

Send a message to Total Wealth: