Ake Wealth Plan
Your Business and Your Personal Wealth, in One Plan.
Your business can fund the life you want and leave something that lasts. We model your business and your household side by side, so you can see the path from here and what to do next.
Profit Isn't the Finish Line
A good business is a great start. Turning it into lasting wealth usually comes down to three things.
Money Needs Somewhere to Go
Good years disappear into tax, debt, the house and the business again, without a plan for where the money should go.
The Business Is the Plan, by Default
Most owners hope a sale will fund retirement. Few know what the business needs to be worth, or by when.
Nobody Sees the Whole Picture
Your bank sees your loan. Your adviser sees your KiwiSaver. Your accountant sees your accounts. Nobody joins them up.
What's different
One Plan, Not Three Conversations
We already work with your business numbers. Ake Wealth Plan connects them to the rest of your life, and to Ake's Three Freedoms: financial, time and mind.
Your Business
- Profit and how it's trending
- What you pay yourself
- Tax and provisional tax
- Business debt
- What the business is worth
Your Plan
- Goals with real numbers
- Timeframes you can test
- "What if" scenarios
- A short list of actions
- Check-ins to stay on track
Your Household
- Spending and saving
- Mortgage and other debt
- KiwiSaver and investments
- Property and trusts
- Family goals
Questions Your Plan Will Answer
How much can I safely pay myself?
Should we pay the mortgage down faster, or leave money in the business?
When can I realistically step back?
What does the business need to be worth when I sell?
Should the business, the trust or us own the building?
Can we fund the kids' education without stretching the business?
Who It's For
- Business owners making good money who aren't sure where it goes
- Owners 5 to 15 years from selling or stepping back
- Couples running a business together
- Whānau building assets for the next generation
What We Don't Do
We don't pick investments or KiwiSaver funds. If you need that advice, we'll work alongside a licensed financial adviser.
How It Works
Free Kōrero
A 15-minute conversation to see whether Ake Wealth Plan is a good fit.
Planning Session
90 minutes, online or in person, with a chartered accountant.
Your Plan
A cashflow model, a personal action plan, and PocketSmith set up.
Check-Ins
Three 45-minute sessions over 12 months to keep you on track.
Investment
$195 + GST a month
From. That's $2,340 + GST over 12 months.
- 90-minute planning session
- Cashflow model and personal action plan
- PocketSmith account and budget set up
- Three 45-minute check-ins
"Matt helped open our eyes to what we need to be investing in for our future/retirement instead of working day-to-day. The key value was putting our goals on paper and having accountability. The whole session was great and the Zoom call was awesome, as we felt comfortable in our own home."
"I had anxiety around money chat, both for the business planning and for the wealth creation. I got a lot more from it than I expected. Doing budgeting in real-time was the part I liked most. I came away with more confidence, clear actions, and tools I can use."
Who you'll work with
Matt Davis CA, Director
Chartered Accountant since 2010 and Associate of the Institute of Directors.
Meet our peopleCommon Questions
Is this financial advice?
We plan your cashflow, debt, tax and business finances. We don't recommend financial products. Where you need that, we'll refer you to a licensed adviser.
Do I need to own a business?
No, but the service is built for people who do.
Do I need to be an Ake client?
No. If you are, we can build the plan faster because we already have your numbers.
How is this different from my bank or KiwiSaver provider?
They see one part of your finances. We look at all of it, and we don't sell financial products.
Can we do it online?
Yes. Sessions are on Zoom or in person.
What happens to my information?
It stays confidential and is used only to build your plan.
Start With a Free 15-Minute Kōrero
Tell us where you are and where you want to get to. We'll talk through whether a plan for your business and your household would help.
Ake Wealth Plan provides cashflow, tax and business planning. It is not advice on specific financial products. Where you need that advice, we'll refer you to a licensed financial adviser.