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Castle Trust Financial Planning

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Castle Trust Financial Planning

We exist to help people get their finances organised. Castle Trust offer financial plans that are personal, holistic and adjusted as circumstances change.

We created Castle Trust for people who want to get the best out of their money because people often don’t understand their overall financial situation and how to go about planning for the future. We’re passionate about creating a world where our clients and community are financially better off. Castle Trust Financial Planning was created by Glyn Lewis-Jones and Kathryn Alborough who identified a g

ap in the NZ financial services market that there was no one providing comprehensive financial advices that was kept updated as circumstances change. With a passion for helping people, professional qualifications and decades of advisory experience.

19/07/2026

Refinancing gets talked about a lot.
It can sound like a magic trick - just switch lenders and save thousands.
Sometimes that's true.
Sometimes the maths doesn't stack up.

Here's when refinancing is genuinely worth exploring: your fixed term is coming to an end, your financial situation has changed significantly, you're paying a rate that's noticeably higher than what's currently available, or you want to restructure how your loan works.

Here's when it might not be: your break costs (the penalty for leaving a fixed term early) outweigh the potential savings, or you're only a year or two from paying off the mortgage anyway.

The calculation isn't complicated, but it does require your actual numbers - your current rate, remaining term, outstanding balance, and what's on offer right now. We run this kind of comparison regularly for existing clients and new ones.

Even if the answer turns out to be "actually, stay where you are" - at least you'll know you've made an informed choice rather than just wondering.

Ready to run the numbers? Book a free chat with us today - https://castletrustinitial.timetap.com/

𝘾𝙖𝙨𝙩𝙡𝙚 𝙏𝙧𝙪𝙨𝙩 𝙁𝙞𝙣𝙖𝙣𝙘𝙞𝙖𝙡 𝙋𝙡𝙖𝙣𝙣𝙞𝙣𝙜 - 𝙛𝙞𝙣𝙖𝙣𝙘𝙞𝙖𝙡 𝙖𝙙𝙫𝙞𝙘𝙚 𝙛𝙤𝙧 𝙡𝙞𝙛𝙚

16/07/2026

Retirement planning isn't just about numbers - it's about creating a clear path forward so you can enjoy the next chapter of life with greater certainty.

Thank you Derek and Jan for your wonderful feedback 😊🙏

If you're thinking about your own financial future, we'd love to have a conversation about what's possible - https://castletrustinitial.timetap.com/ #/

𝘾𝙖𝙨𝙩𝙡𝙚 𝙏𝙧𝙪𝙨𝙩 𝙁𝙞𝙣𝙖𝙣𝙘𝙞𝙖𝙡 𝙋𝙡𝙖𝙣𝙣𝙞𝙣𝙜 - 𝙛𝙞𝙣𝙖𝙣𝙘𝙞𝙖𝙡 𝙖𝙙𝙫𝙞𝙘𝙚 𝙛𝙤𝙧 𝙡𝙞𝙛𝙚

12/07/2026

It was the $9,000 claim a young client didn't know he could make.

After suffering a shoulder injury playing rugby, a young client thought ACC would be the extent of the support available to him. What he didn't realise was that he also had Specific Injury Cover in place as part of the financial protection plan we'd helped him set up.

When Anna-May checked in during his recovery, she identified that he may be eligible to claim. A short time later, around $9,000 was paid directly into his account.

It's a great example of why having the right protection in place matters. Sometimes the value of insurance isn't just in having it - it's understanding when and how it can help.

In our latest blog, we share this real-life story, explains how the claim worked, and highlights the important differences between ACC and personal insurance.

Read the blog to learn more 👉 https://castletrust.co.nz/resources/acc-and-insurance-claims/

𝘾𝙖𝙨𝙩𝙡𝙚 𝙏𝙧𝙪𝙨𝙩 𝙁𝙞𝙣𝙖𝙣𝙘𝙞𝙖𝙡 𝙋𝙡𝙖𝙣𝙣𝙞𝙣𝙜 - 𝙛𝙞𝙣𝙖𝙣𝙘𝙞𝙖𝙡 𝙖𝙙𝙫𝙞𝙘𝙚 𝙛𝙤𝙧 𝙡𝙞𝙛𝙚

06/07/2026

Most people know income protection insurance exists.
Far fewer know what it actually does until they need it.

Here's the core idea: if you can't work because of illness or injury, income protection pays you a percentage of your income - typically up to 75% - while you recover. For most people, that's the thing that keeps the mortgage going, the groceries covered, and the business from falling apart.

The part that catches people out is the wait period. Most policies have an "excess period" before payments kick in - commonly 4, 8, or 13 weeks. That means if you're off work for six weeks and your policy has a 13-week excess, you'll receive nothing. Knowing your excess period and making sure you have enough savings to cover it is genuinely important.

The other thing worth understanding: occupation-based policies pay out if you can't do your specific job, while "any occupation" policies only pay if you can't work at all. The distinction matters a lot for tradespeople, healthcare workers, and anyone with a specialised skill set.

If you've never actually read your policy wording - or you don't have income protection and want to understand what it would cost - a conversation costs nothing and takes 30 minutes.

𝘾𝙖𝙨𝙩𝙡𝙚 𝙏𝙧𝙪𝙨𝙩 𝙁𝙞𝙣𝙖𝙣𝙘𝙞𝙖𝙡 𝙋𝙡𝙖𝙣𝙣𝙞𝙣𝙜 - 𝙛𝙞𝙣𝙖𝙣𝙘𝙞𝙖𝙡 𝙖𝙙𝙫𝙞𝙘𝙚 𝙛𝙤𝙧 𝙡𝙞𝙛𝙚

05/07/2026

Most people don’t need more financial noise.
They need a plan that actually makes sense.

We take a “big picture” approach to your finances - because your mortgage, insurance, KiwiSaver, investments and retirement goals don’t exist separately from each other. They all need to work TOGETHER.

Sometimes the best financial decision isn’t about chasing the lowest rate or the highest return. It’s about creating balance, flexibility, and long-term confidence for you and your family.

Whether you’re buying your first home, planning for retirement, restructuring debt, protecting your income, or building wealth for the future, we help you step back and see the bigger picture - with advice tailored to your life, goals and priorities.

Because good financial planning isn’t just about today.
It’s about building a future you can feel confident in.

Learn more about our Big Picture Thinking approach here - https://castletrust.co.nz/mortgages/big-picture/

𝘾𝙖𝙨𝙩𝙡𝙚 𝙏𝙧𝙪𝙨𝙩 𝙁𝙞𝙣𝙖𝙣𝙘𝙞𝙖𝙡 𝙋𝙡𝙖𝙣𝙣𝙞𝙣𝙜 - 𝙛𝙞𝙣𝙖𝙣𝙘𝙞𝙖𝙡 𝙖𝙙𝙫𝙞𝙘𝙚 𝙛𝙤𝙧 𝙡𝙞𝙛𝙚

02/07/2026

Helping people make informed decisions and get the most out of the opportunities available to them is what we're all about.

Thanks Mitch for your kind words, it's great to hear we were able to uncover options and benefits you didn't realise were available.

𝘾𝙖𝙨𝙩𝙡𝙚 𝙏𝙧𝙪𝙨𝙩 𝙁𝙞𝙣𝙖𝙣𝙘𝙞𝙖𝙡 𝙋𝙡𝙖𝙣𝙣𝙞𝙣𝙜 - 𝙛𝙞𝙣𝙖𝙣𝙘𝙞𝙖𝙡 𝙖𝙙𝙫𝙞𝙘𝙚 𝙛𝙤𝙧 𝙡𝙞𝙛𝙚

01/07/2026

61% of men diagnosed with prostate cancer had no symptoms at all.

It's the most commonly diagnosed cancer in New Zealand - around 4,500 men every year, or 12 every single day.
One in eight Kiwi men will face it in their lifetime.
And for Māori men the odds are tougher: once diagnosed, they're 50% more likely to die from it than non-Māori men.

The encouraging part? A check is quick, and catching it early changes everything.

As Jeremy Clarkson put it: "Please, please, please go and get checked. It's not uncomfortable, it's not undignified. And it's a no-brainer. I did, and that's why I'm sitting here talking to you.”

So consider this your reminder.
Make the appointment.
And nudge the men you love to do the same - your dad, your partner, your mate, your brother.

Looking after your health is the most important plan you'll ever make.

More info: prostate.org.nz

𝘾𝙖𝙨𝙩𝙡𝙚 𝙏𝙧𝙪𝙨𝙩 𝙁𝙞𝙣𝙖𝙣𝙘𝙞𝙖𝙡 𝙋𝙡𝙖𝙣𝙣𝙞𝙣𝙜 - 𝙛𝙞𝙣𝙖𝙣𝙘𝙞𝙖𝙡 𝙖𝙙𝙫𝙞𝙘𝙚 𝙛𝙤𝙧 𝙡𝙞𝙛𝙚

28/06/2026

We get called a "boutique firm" sometimes, and we take that as a compliment.

Here's what it actually means in practice: when you call Castle Trust, you're not going through a call centre or getting handed to whoever's free. You're working with a small, experienced team who've been in Nelson and Tasman for a long time and genuinely care about the people they work with.

Between our advisers, we have over 100 years of combined experience in financial planning, insurance, and mortgages. A lot of that time has been spent in this specific community - at school events, on the sidelines of kids' sport, at local business events.

We're not a big firm that moved here.
We're local people who've built careers around helping local families.
That's the thing we're probably most proud of.

If you've been meaning to come in and have never quite got around to it - it really is just a conversation. Free, no pressure, 30 minutes.

Come find us at 278 Queen Street in Richmond.

𝘾𝙖𝙨𝙩𝙡𝙚 𝙏𝙧𝙪𝙨𝙩 𝙁𝙞𝙣𝙖𝙣𝙘𝙞𝙖𝙡 𝙋𝙡𝙖𝙣𝙣𝙞𝙣𝙜 - 𝙛𝙞𝙣𝙖𝙣𝙘𝙞𝙖𝙡 𝙖𝙙𝙫𝙞𝙘𝙚 𝙛𝙤𝙧 𝙡𝙞𝙛𝙚

19/06/2026

Getting a mortgage sorted involves a lot of steps, a lot of paperwork, and usually a few moments where you're not entirely sure what's happening or what comes next. Knowing that someone's in your corner and will actually get back to you quickly - that's the part we care about most.

Thanks Richard for your kind words!

𝘾𝙖𝙨𝙩𝙡𝙚 𝙏𝙧𝙪𝙨𝙩 𝙁𝙞𝙣𝙖𝙣𝙘𝙞𝙖𝙡 𝙋𝙡𝙖𝙣𝙣𝙞𝙣𝙜 - 𝙛𝙞𝙣𝙖𝙣𝙘𝙞𝙖𝙡 𝙖𝙙𝙫𝙞𝙘𝙚 𝙛𝙤𝙧 𝙡𝙞𝙛𝙚

15/06/2026

KiwiSaver reminder - act before the 30 June!

A quick review of your KiwiSaver contributions could make a real difference. If you’ve put in at least $1,042.86 this year, you’ll get $260.72 from the government – and if you’re not quite there, a small top-up may be all it takes.

𝘾𝙖𝙨𝙩𝙡𝙚 𝙏𝙧𝙪𝙨𝙩 𝙁𝙞𝙣𝙖𝙣𝙘𝙞𝙖𝙡 𝙋𝙡𝙖𝙣𝙣𝙞𝙣𝙜 - 𝙛𝙞𝙣𝙖𝙣𝙘𝙞𝙖𝙡 𝙖𝙙𝙫𝙞𝙘𝙚 𝙛𝙤𝙧 𝙡𝙞𝙛𝙚

Address

278 Queen Street
Richmond
7020

Opening Hours

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

Telephone

+6435284184

Website

http://www.castletrust.co.nz/

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