THE WEALTH SERIES (35-45)

Between the ages of 35 and 45, life tends to move fast. Careers accelerate, families grow, and financial decisions start to carry more weight. It’s often the decade where wealth begins to build, but so do responsibilities.

Here are some of the key areas worth reviewing during this stage of life.

Buying Your First (or Next) Home
Property is often the largest financial commitment you’ll make. Beyond securing the mortgage, it’s important to think about cash flow, interest rate risk, and how your home fits into your long-term financial plan. The right structure early on can make a meaningful difference over time.

Life Insurance & Income Protection
As your income supports more than just you, protecting it becomes essential. Life insurance can provide certainty for your family if the unexpected happens, while income protection helps ensure your lifestyle and financial goals stay on track if you’re unable to work due to illness or injury.

Starting or Growing a Family
With children often comes a shift in priorities. Education costs, reduced income during parental leave, and long-term planning all come into play. This is a key time to ensure your financial strategy reflects the future you’re building—not just the present.

Making the Most of KiwiSaver
KiwiSaver is more than a retirement account—it can play a role in your first home, tax efficiency, and long-term wealth building. Reviewing contribution levels, fund choice, and overall strategy ensures it continues to work hard as your income grows.

Looking Ahead
This stage of life is about balance: enjoying what you’re building today while putting the right protections and structures in place for tomorrow. Thoughtful planning now can provide confidence, clarity, and flexibility in the years ahead.

This is just the beginning of The Centastone Wealth Guide—a series designed to help you navigate growing wealth and evolving responsibilities with confidence.