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Agree or Disagree?

1. Decide – I want real financial independence
(otherwise you are just reading words on a screen which will amount to nothing).

2. Decide – I will go after it.
We don’t mean like some uncaring money hungry maniac. We just mean that you will do what it takes to get you and your family over the financial independence line. You will commit – OK?

3. Agree – I may need to do some things differently and for that to happen I also agree to question and challenge some of my current beliefs and practices.
Even some of those long held beliefs about yourself, about money and about how you are with money (cash flow, your appetite for getting ahead, property, business, sharemarket, managed funds, exchange traded funds etc) – OK?

4. Agree – I will avoid an ad hoc, piecemeal approach and instead take advantage of systems and methods that are proven.
After all; a) you want to get over the line and b) you want to get there soon(er) if possible (?)


If you think a mortgage free home and say, $750,000 in a kiwi saver scheme means you are financially free and independent, you will likely be VERY disappointed. That is because you are aiming way too low – a great way to NOT get across that financial independence line – ever.


Once you know what to do and how to do it, you are sorted.


Understanding the difference is useful. The “what” is simple. The “how” requires more work and is the key to success. For example:

What to do?

1. Commit to your ideal life and design it.

How to?

1. Decide what you want big picture, long term. Write it down.
2. Then develop the list of questions. The answers to these questions provide the “how”. How does your life look when you are financially independent and free? How close to your family? How close to a large hospital / airfield? How much money will you need? What can you do to drive it forward? What help will you need?


1. Fund it. Get enough money.


1. Understand money. Learn how to make money work. Avoid speculating, guessing, get rich quick. Use proven investment method and a proven system. Get help if you need it. Go to the contact us page

TIP: take action now. Don’t put it off just because you can. Avoid being academic about it – no amount of rationalizing makes procrastination right. Either act now or block time in your schedule now to get started. That is what successful people do…

Let’s go

Knowledge is useful but is overrated – it is action and implementing that deliver what you really want to you…

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Peter Flannery - WISEplanning - Authorised Financial Adviser and Certified Financial Planner - New Zealand

Peter Flannery

“Helping everyday Kiwis who expect more … to live their lives the way they want”


Peter was raised on the family farm in Kamahi, near Edendale in Southland. He is an investor, business owner and a first generation financial advisor, having entered financial services in 1983 in Southland.


Peter now lives in Christchurch with his family. His hobbies include family time, spending time with friends, exercise, reading a good novel and time on the deck at the bach.


Peter founded WISEplanning in 1987. His 500 clients live across New Zealand and a few overseas. The ongoing expansion of WISEplanning now includes offices in Invercargill, Christchurch (HQ) and Auckland.


Peter is known among his clients for challenging common practice and conventional methodology.


He argues “People tend to follow the crowd, which is interesting, because most people are both time poor and money poor, so why follow them?”


He is known to many around New Zealand as one of few to warn in 2004 of the coming global financial crisis (The GFC) that suddenly erupted in 2008. His views were considered controversial at the time. Peter credits Warren Buffett and his partner Charlie Munger for his most useful learning’s about investing.


Peter believes education continues throughout life. Some highlights from his recent continuing education include:


• The formal Financial Adviser training through Massey University in Palmerston North,


• The Entrepreneurial Coaching program through The Strategic Coach in Vancouver, Canada,


• The Business Owner/Manager Program through The Icehouse in New Zealand,


• The Peak Performance Program through Glazer Kennedy, Baltimore, USA


• The High Performance Program through The Elite Professionals Program in New Zealand


• The Experts Academy through Brendon Burchard, Sydney, Australia


• The Millionaire Mentor Program through Scott Harris, The Gold Coast, Australia.


As an investor, he is regularly researching markets and analysing potential investment opportunities and likes to point out to anyone who will listen that discipline around the investment method is key to success.


Peter has developed programs and tools that help everyday kiwis who expect more out of life to succeed sooner.

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Miriam Woon

Miriam has been with the WISEplanning team for a few years, bringing with her enthusiasm and extensive customer service skills to the role.


She emigrated to New Zealand from the Netherlands and spent her teenage years in the Bay of Plenty before moving to Auckland to begin her studies in Travel and Tourism. Employment in the Tourism industry eventually led Miriam to start her “8 year OE”. Whilst managing ski chalets in the French Alps, she met her future husband. They moved to Cardiff for a few years before moving to Canterbury in 2008, and now works remotely from Nelson.


Miriam is the Operations Manager for WISEplanning’s clients. Her passion has always been to work closely with individuals to help them improve their work and life skills.


Miriam enjoys spending time with her two sons, husband, family and friends. She has a passion for running, skiing, photography, exercise, reading and really enjoys dealing with people.

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Sean Yang

Sean is the Portfolio Coordinator for Clients at WISEplanning and brings his enthusiasm, professionalism and well developed customer service skills to the role. Sean was born in Beijing, China and obtained his Bachelor Degree in Economics (majored in Statistics) in China and Graduated Diploma in Accounting and Finance at University of Canterbury.


Sean has worked in the finance sector specialising in Investment Advisory for more than 10 years. He is experienced in dealing with clients’ queries and providing support to Financial Advisors.


He is an organised person with a strong customer focus. Sean enjoys spending time with his two daughters, wife, family and friends. He has a passion for sports such as soccer, badminton and swimming and really enjoys dealing with people.

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Theo Zbijowski

Theo Zbijowski is the Financial Paraplanner at WISEplanning who brings his friendly and enthusiastic attitude to the role.

Theo graduated from the University of Canterbury with a Bachelor of Commerce majoring in Accounting and Finance in 2016.

He is a conscientious person who maintains a strong work ethic as well as a professional attitude. Theo enjoys spending his time playing sports such as squash, tennis and table tennis; while also enjoying the company of his friends and family.

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Kim MacKenzie

Kim has been with WISEplanning since mid 2016 and is our Client Services Specialist. She brings enthusiasm for customer service, professionalism, good time management and efficiencies to the role.


Kim and her husband have been based in Christchurch for over 20 years and originated from Central Otago where they both grew up. They have three teenagers so Kim know’s first hand how busy managing life, money, kids and family can be.


Kim enjoy’s spending time with family and friends, should do more exercise than she does and recently brought a bach where her family and friends are now creating time spent memories that she hopes will carry her kids through to adulthood.

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