Welcome To WISEplanning’s Resources

Here you will find updates from us regarding any important changes happening in New Zealand, and any other useful resources to help you obtain financial freedom.

If you would like updates when more content is released please subscribe to our WISEplanning Newsletter.

Market and Economic Update

Coronavirus And The Next Ten Years…

Coronavirus emerging is not surprising when we consider how it comes about. The spread of the virus is not the big risk. Uncontrolled mutation is the real risk…

Coronavirus and Your Investments

The unsettling thing about the Coronavirus is its, as yet, unidentified ability to mutate. So, should we be worried?

Does a Trade War = 0 Growth!?

The dispute between Donald Trump and China is ongoing. It does slow down economic growth. Does it mean no growth!?

Does Lower Interest Rates Mean Recession!?

The liquidity bubble is an event that I have warned of since 2003. Over that 16 years, it has grown bigger. Reducing interest rates is one component that helps expand the liquidity bubble. Does that mean recession?

Interest Rates to Drop Lower Still!?

That 0.5% OCR cut surprised most people. What does it really mean for borrowers and retirees living off term deposits? What about homeowners and property investors?

Investment Perspective

How to Drive Investing Performance

Successful investing is not easy. We really want a way to invest that is reliable and can be replicated at will…

Want Reliable and Profitable Investing?

A lot of people invest in lots of different types of investments. A lucky few have a special gift when it comes to investing – almost freakish. Here is what works…

Smart(er) Investing

What differentiates those that are financially successful from those that are less so? It is not the academically valid financial plan, nor where they invest…

Tracking Investment Portfolio Performance

How do you know if your investment portfolio is performing and on track?

Is Your Money Safe?

Global debt levels are high, trade disputes continue. Other battles are also underway… currency, technology. Are your investments safe?

WISEplanning Roadshows

WISEplanning Christchurch Roadshow 2019

Does lower interest rates mean recession? How well are you positioned for your future? How to shape your investment portfolio for success?

WISEplanning Christchurch Roadshow 2018

Is there a major share market crash and “Economic Meltdown” coming? How do you “sidestep” a share market crash?

WISEplanning Invercargill Roadshow 2018

In our roadshow we covered The Global Economy, how to set up your children for life, how to increase your portfolio performance and more…

Financial Planning

FMA Guide to Managed Funds

With term deposits offering lower and lower rates, people are looking to invest elsewhere for higher returns. One place is managed funds.

OCR Rate 2009 to 2019

Official Cash Rate Decision – 8th of May 2019

On the 8th of May 2019 the Reserve Bank made a decision to cut the Official Cash Rate to 1.5%. Click here for a quick summary of what this may mean.

Kiwisaver Logo

KiwiSaver Law Changes Effective from 1st April of 2019

KiwiSaver rules are about to change in New Zealand. Here is a quick summary of the key law changes that might impact you.

Capital Gains Image

Capital Gains Tax – How Might it Impact You?

How might the suggested Capital Gains Tax in New Zealand impact you. The Tax Working Group has released its findings. Here is our summary breaking it down.

Mindset Alignment

What’s Your Risk?

How do you manage healthcare costs? How do you know that you have got the right medical insurance policy?

Investing Certainty

How Much Do You Need When You Retire?

What is your number that you are striving towards? How much do we need for retirement? Is retirement even really the goal…

Are You In Denial?

Being in denial, wishful thinking and believing your own ‘BS’ really works well … until it doesn’t!

Retirement vs Total Financial Independence

Total Financial Independence – You Ready?

Retirement or Total Financial Independence? 90% of Kiwis never achieve Total Financial Independence. Are you going to be part of the successful 10%?

The Financial Plan

Are You Failing or Succeeding Financially?

Are you succeeding financially? What does success or failure look like anyway? What should a good financial plan include? Which is the best investment?


Are You Secure Online?

Strengthening your cyber security isn’t as daunting as it sounds. By just doing a few simple things you’ll be a whole lot safer online.

Top 11 Tips For Cyber Security

If you are using the same password for multiple accounts it might be time to step up your cyber security. Here is where to start…

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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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