Investment and financial planning made simple.
Making the right investment decisions is key to building long-term wealth and securing your financial future. At McMasters Financial, we provide clear guidance on KiwiSaver, property, and other investment opportunities, helping New Zealanders make informed choices that align with their goals.
With 17 years of experience in banking, lending, and financial advice, James Lowes works closely with clients to identify the most suitable investment strategies, structure finances effectively, and plan for both short-term objectives and long-term growth.
Who this service is for?
First-time investors
Whether you’re just starting out or looking to optimise your KiwiSaver, McMasters Financial helps you understand your options, choose the right scheme, and make informed decisions that support your financial goals.
Property investors
For those looking to build a property portfolio, James provides advice on financing, risk management, and investment structures to maximise returns while managing exposure.
Investors guidance
Even experienced investors benefit from clear, personalised advice. James reviews your current investments, suggests improvements, and ensures your strategy is aligned with your broader financial plan.
How McMasters Financial helps.
Investing can feel complicated, but you don’t have to navigate it alone. At McMasters Financial, James provides guidance from the first conversation through to implementation and ongoing support, ensuring you make confident, informed decisions.
With McMasters Financial, investment planning is straightforward and structured to help you grow and protect your wealth.
The process is structured and clear:
Step 1
Initial conversation
We start by discussing your goals, financial position, and investment aspirations.
Step 2
Financial review
James assesses your current investments, KiwiSaver, cash flow, and risk tolerance to identify opportunities and constraints.
Step 3
Developing the right strategy
A tailored investment strategy is recommended, covering options such as KiwiSaver adjustments, property investments, or other financial instruments, aligned with your goals.
Step 4
Implementation and support
Once the strategy is agreed, James helps implement it, liaising with providers where necessary, and provides ongoing advice to adjust plans as your circumstances evolve.
Common questions answered.
Can I use KiwiSaver to buy an investment property?
KiwiSaver funds can typically only be used for a first home purchase. James can help you explore other financing options for investment properties.
How do I choose the right investment strategy?
Investment decisions depend on goals, risk tolerance, and time horizon. McMasters Financial provides personalised advice to match your strategy to your circumstances.
Do I need experience to invest in property?
No. McMasters Financial works with both new and experienced investors, providing guidance and finance structuring to make the process manageable.
How often should I review my investments?
Regular reviews are important to ensure your strategy remains aligned with your goals and market conditions. James can help you schedule ongoing check-ins and adjustments.
Which providers does McMasters Financial work with?
McMasters Financial works with a range of trusted KiwiSaver and investment providers to help ensure clients have access to quality options that suit their goals and financial situation. Current providers include:
Booster
SuperLife
Milford
Fisher Funds
Generate
By working with multiple providers, McMasters can help guide clients toward the option that best aligns with their investment strategy, risk profile, and long-term financial plans.
When can I access my KiwiSaver?
In most cases, your KiwiSaver is designed for retirement, so you can access it when you turn 65. However, there are a few situations where you may be able to withdraw your funds earlier:
First Home Purchase – You may be able to withdraw most of your KiwiSaver to help buy your first home if you have been a member of a Kiwisaver scheme for at least three years.
Significant Financial Hardship – In serious situations, you may be able to access some of your funds to help cover essential living costs.
Serious Illness – If you’re diagnosed with a serious illness, you may be able to withdraw your full balance.
Permanent Emigration – If you move overseas permanently (excluding Australia), you can apply to withdraw your KiwiSaver after 12 months.
Is it a good idea to withdraw all of my Kiwisaver funds when I turn age 65?
Not necessarily — it depends on your goals and financial situation.
When you turn 65, you can withdraw your KiwiSaver, but you don’t have to. Many people choose to leave some or all of their funds invested to keep growing for retirement. I recommend having a financial review done prior to withdrawing all of your funds.
Get started with trusted financial guidance today.
If you’re ready for practical advice, calming support, and financial choices explained in simple terms, let’s connect. With McMasters Financial, you’ll have someone in your corner, wherever you are across New Zealand.
