The Sustainable Wealth Model


I am not sure about you, but we think it is always about:

  1. Keeping our money safe
  2. Making our money work
  3. Enjoying it too

Like it or not, money is the currency of life.

Money does not define who we are.

Money is merely a means to an end.

It is just that we need enough of it.

How to get enough money

A proven system is the key.

One that is not complicated requiring highly trained specialists to make it work.

One that is fundamental, does not rely on an unusual set of economic circumstances (e.g. the liquidity bubble over the last 30 years) to make it work and that is easy to understand.

The System

The Sustainable Wealth Model is The System

These three assets “made the cut” so to speak because of their inherent characteristics and more importantly, the complementary nature of the three.

By the way three assets are included to capture opportunity – not for the purpose of diversifying to managing risk.

What to do

Once you know what to do and how to …

THE SUSTAINABLE WEALTH MODEL

The three assets create the investment eco-system

These three specific assets, along with Warren Buffett’s highly acclaimed but little-understood value investing methodology come together to create an investment eco-system.

Of course, we cannot claim to have the investment acumen of Warren Buffett and Charlie Munger, however, their ideas and methodologies are transferrable.

WISEplanning not only invests directly in the same investments as Warren Buffett, inside his Berkshire Hathaway company but outside that vehicle as well.

Importantly, at WISEplanning, we have captured the core of his investment methodology, which is useful because we can apply it across those three asset types. This helps us to effectively manage risk and to drive investment returns long term.

It is important to distinguish The Sustainable Wealth Model from specific investment methodology.

In short, how we might invest in businesses or property investments requires a specific approach for each investment type.

The Sustainable Wealth Model includes those assets and their respective methods. It is an overarching framework and eco-system that can provide you with the structure to, in the end, make enough money (as distinct from nearly enough or nowhere near enough money).

BRUTAL FACT: a mortgage free home and $700,000 in a Kiwi super scheme or one rental property may not be near enough money … may only result in financial dependence, NOT financial independence.

It is simple and you control it

You can, once you understand the model (it is simple), decide with a bit of guidance, how you prefer to design and structure it, to suit your needs. You have control. You can tailor it to meet your long term investment growth requirements, use it as it best suits you and your family. In other words, what we have here is a simple, flexible yet powerful system that can give you real control over how much money you make long term.

Making money’s one thing, managing risk is another

The Sustainable Wealth Model is all about sustainability long term. In other words, it is about building wealth definitely (rather than trying to get rich quick or out-smart the markets).

At WISEplanning, we think the biggest risk that investors face is ignorance, lack of knowledge and for some, a fragile temperament.

For us, thanks to the underlying methodology and the model itself, the usual risks that most people face, we are able to largely side-step.

That is because we understand how to select quality investments (and more importantly, de-select poor quality from the portfolio), which helps to provide a strong degree of resilience for our investments.

We are focused on the opportunity and not wasting time worrying about losing our money. The system keeps our money safe.

We understand that price and value are not the same things.

Further, investment decisions are not based around rising or falling asset prices (although they can represent an entry or an exit point) but rather, the underlying fundamentals of the investment.

We do not play the markets, try to second guess or out-wit market direction and economic cycles – we don’t need to.

Whilst we will obviously watch economic conditions both in New Zealand and around the world, our money is made from the methodology and the quality of the investments that we select.

The Sustainable Wealth Model provides us with an eco-system to help maximise returns and build real wealth longer term, whilst helping to keep our money secure along the way.

The risk

The risks revolve around investors lack of action and getting serious about making enough money.

This can be driven by other risks like lack of experience, lack of understanding about price and value, willingness at times to buy into and listen to prevailing economic and financial “noise”, particularly during times of uncertainty and turbulence.

To be clear, risk has little to do with pricing volatility, but rather with investors not understanding money and investing.

The success

With a sound methodology and quality investments, our clients who are the happiest and the most successful, are those who simply invest in the fundamentals and stay the course.

In other words, they make an effort to understand The Sustainable Wealth Model, how as an eco-system, it helps them to maximise their wealth building efforts and to keep their capital safe. It is not complicated.

Then, once the decision is made to get on what for many is sometimes the hardest bit of all, is out of the way – that is knowing: where to start, what to do and how to do it.

1) OK – I want to discuss this … Contact Us

2) Not ready to get on yet? Let’s keep joining the dots …

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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.

Now that he has completed his degree, he is looking to continue to develop his skills and knowledge of the industry by becoming a Financial Adviser.

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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