For a long time now, I’ve been working quietly behind the scenes on something very close to my heart.

It’s something I’ve created especially for people who are approaching retirement or newly retired — people who’ve worked hard their whole lives, done their best, and yet still find themselves wondering:

• “What if I outlive my money?”
• “Am I allowed to enjoy my savings?”
• “How do I make my money last without constantly worrying?”

If you’re transitioning from earning a regular income to living on NZ Super, KiwiSaver, and your savings…
If you feel unsure about how much you can safely spend…
If financial advice feels confusing, intimidating, or not designed for real life…

👉 this is for you.

With over 20 years’ experience working with people to create investment portfolios aligned with their real goals, I’ve seen these fears and frustrations up close. I understand how overwhelming retirement planning can feel — especially when you’re worried there’s no room for mistakes.

That’s why I’ve created a new 3-part course that takes a calm, practical, and holistic approach to retirement planning.

💛 Planning for Retirement: Broadening Your Expectations

This short course is designed to help you:

• Feel confident that your money can last as long as you do
• Understand your income, spending, and options in plain English
• Move from fear and uncertainty to clarity and peace of mind
• Enjoy retirement without guilt or constant money stress

We’ll look at:
✔ Making your money last (decumulation, explained simply)
✔ How KiwiSaver and NZ Super fit into the bigger picture
✔ Budgeting and spending with confidence
✔ Health, wellbeing, and protecting your interests
✔ Planning for the years ahead — without overwhelm

This is not about selling products.
It’s not about jargon, pressure, or being told you should have done things differently.

It is about:

• Feeling reassured that you’re doing okay
• Having a clear, realistic plan
• Enjoying the retirement you’ve worked so hard for

🌱 I’m opening this as a beta launch

Which means:

• Small, supportive group
• Extra care and guidance
• A chance to shape the programme together

If you’re aged roughly 55–75, approaching retirement or already there, and you’d love to feel more confident, in control, and at ease about your financial future, I’d love to invite you to be part of this first group.

👉 Reply “RETIREMENT” and I’ll share the details with you.

My mission is simple:
​To empower you to feel confident, in control, and able to enjoy security and freedom throughout your retirement.

You deserve peace of mind — and it is possible.

Warmly,

Kara Northcott

P.S. Myth: It's too late to plan properly.

Truth: Clarity helps at any stage 💛

Financial Educator & Facilitator
​Helping everyday people feel confident and in control of their money

027 666 6784
📩 kara@financialconsultant.co.nz
🌐 kara-northcott-financial-consultant.kit.com​