Frequently Asked Questions


In a nutshell, what does WISEplanning do?
WISEplanning is here to coach and mentor.  We help people to stop and think.  We realign their mindset. We get clients to realise that there are things that are holding them back. We help people focus on the few things that drive their success. We get clients to live the lives that they want.
How Does WISEplanning Invest?
 
Our investment philosophy has been developed over the last 35 years. More recently (the last 15 years) our approach was upgraded, and is now based on world best practice around what is commonly known as Value Investing. 
 
How Does WISEplanning Select Businesses?
 

What WISEplanning has learned over many years is that it is not where we invest but rather how we invest.

The methodology that he adopted as a value investor revolved around the basic four step model that he learned from Warren Buffett and his teachings.  This is not the model that he uses but this is what Peter started with back in the day:

  1. Compare price and value (these days this is close to the last step in the process, rather than the first);
  2. Look for steady earnings growth;
  3. Check the dividend payout ratio (looking for businesses that retain 50% or more of earnings); and
  4. Check how well the business uses its capital, as measured by return on capital and return on equity.

The above is where Peter started out 15 – 20 years ago when Warren Buffett was not the household name that he is today.

Our methodology now is more advanced and includes the economics of the business.

Find out more about How WISEplanning Selects Businesses here

Can you help me with my household budget?
Absolutely, you will almost certainly have “slippage”. WISEplanning will help you to identify that slippage and get that money better positioned.
Do you only deal with household budgets?
No not at all. WISEplanning has wide range of services we are able to offer to our clients.  You will already have a foundation … we will help you take that next step … whatever that means for you, your personal situation and your long term financial goals.
What am I getting from you?
WISEplanning has been in business for over 30 years. That’s 30 years of experience with everyday kiwi’s just like you.  Whatever your long term financial goals are, we can help you to take that next step.
What am I paying for?
Your future.  Let us help get you financially free.  Or maybe you already are and need to take that next step in your investment portfolio.
I don’t have a picture of what the future looks like for me?
That’s okay, we’ll help you work out a long term plan and in conjunction with you, we’ll design your plan and get you some real life, solid, achievable goals.
Is there a lower level we can start at and build up from?
Absolutely.  WISEplanning’s unique business model means we have various programmes to choose from.  By time we’ve got to the “make a decision” stage, WISEplanning will already have a good understanding of your situation and would have advised you accordingly.  We would have already built up a business relationship with you and will understand what your needs are going forward.
We are the wrong people to invest because we don’t have money in the bank
If you are an everyday kiwi, whose got a bit of motivation behind them and ready to make a commitment to your future, we will help you.  Becoming financially free isn’t just about having money in the bank, it’s about mindset alignment and if that’s where your at, that’s where we’ll start you.
I’m looking to educate myself along the way
Our most popular programme, The Money Matrix is all about education.  The first year especially is about mindset alignment.  We make our clients stop and think, really think about the things in their life, the good and the bad and make adjustments accordingly.  You will already have a foundation, we’ll bounce you from there with things you had never thought to do or maybe you had thought but didn’t know where to start.  We will help you meet your big picture, long term goals.
I’m looking for a company to bring clarity, order and security into my life
Perfect, that’s exactly what we’ll do. We’ll guide, encourage and give you all the help you need to move yourself forward to the next level .. whatever that means for you.
“The reason’s you can’t, are the reason’s you must”
What is the time commitment?
As with everything in life, the more time you put in, the more you get out. If you’ve gone into our Money Matrix Programme, the first year is all about mindset alignment and can feel quite slow at times. It is important these early steps are not rushed or missed as they are critical further down the track.
Or maybe you are a step above this and looking for an investment platform with a financial advisor at your side to do the hard lifting for you. If this is you, then the time commitment will be dependant on what your investments are.  You can be involved or as not involved as you like.
What is the financial commitment?
How do you see fees?
Are they an investment in your future or are they a bill that needs to be paid?
If your answer is the first one, it won’t matter what the fees are because you’ll understand what the end result will be.
I don’t know who to trust?
We are every day people like you. We all have families and kids and mortgages and life!!
We know and understand that trusting a company is a big deal.  Trust comes from building a relationship.
WISEplanning, in 2017 turned 30 years old, we’ve been around a long time and we are completely NZ owned and operated and based in Christchurch.
WISEplanning is committed to building professional relationships with our clients, one that you can trust going forward.
Complaints Process
If you are not satisfied with the service you have received from WISEplanning and want to make a complaint, please contact the team by email at admin@wiseplanning.co.nz or by phone on 0800 11 90 80 in the first instance.
We will investigate your complaint and make every effort to resolve it as soon as possible.
If we are unable to resolve your complaint to your satisfaction, you may refer the matter to Financial Services Complaints Limited (“FSCL”). FSCL is an independent dispute resolution scheme that is approved by the Ministry of Consumer Affairs. You can contact FSCL by email at complaints@fscl.org.nz or by phone on 0800 347 257. There is no cost to you to use this service.

 

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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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