Questions to Ask Your Financial Adviser This Year
The start of a new year is the perfect time to take stock of your finances and set clear goals. Whether you’re focused on investments, KiwiSaver, insurance, or long-term wealth growth, having an open conversation with your financial adviser ensures your strategy is on track.
To help you get the most from your next meeting, here are essential questions to ask your financial adviser in 2026.
1. Are My Investments Still Aligned With My Goals?
Your financial goals may have shifted since your last review. Ask whether your current investment strategy still matches your objectives, risk tolerance, and time horizon. Market changes or life events—like a new job, home purchase, or growing family—can impact the best strategy for you.
2. Should I Adjust My KiwiSaver Contributions or Investment Mix?
KiwiSaver performance and fund options can change over time. Your adviser can help you check if your contributions are sufficient to reach retirement goals and whether your current fund selection still suits your risk profile and retirement timeline.
3. How Can I Protect Myself and My Family?
Insurance and protection are essential elements of a solid financial plan. Discuss whether your life insurance, health coverage, or income protection policies are still adequate for your current circumstances.
4. How Will Market Volatility Affect Me?
Markets can be unpredictable. Understanding how short-term fluctuations may impact your portfolio helps you stay focused on long-term objectives. Your adviser can explain the potential effects and offer guidance on how to respond without panic.
5. What Steps Should I Take for Long-Term Financial Security?
Ask your adviser to review your long-term financial plan. They can help identify gaps or opportunities, such as estate planning, succession planning, or strategies to ensure sustainable wealth growth over time.
6. What Should I Focus on This Year?
Finally, request a clear set of priorities for 2026. A good financial adviser will outline actionable steps to strengthen your financial wellbeing—whether it’s reviewing investments, adjusting KiwiSaver contributions, or reassessing protection coverage.
Regularly reviewing your finances with a trusted adviser is one of the most effective ways to achieve your goals. By preparing these questions, you can gain clarity and confidence in your financial decisions this year.
At Provincial Wealth, we work closely with clients to ensure their financial strategies evolve with their lives. If you haven’t had a review recently, now is the perfect time to schedule a conversation. Book a chat with one of our advisers here