Retirement Planning
What would your ideal retirement cost?
Most people plan for an age. We plan for a lifestyle. Work backwards from the retirement you want and see what it takes to get there.
You Need
$1,500,000
target nest egg
You're On Track For
$741,499
projected balance
Your Gap
$758,501
to close
You have a $758,501 gap to close. Here's how.
Increase Contributions
16%
currently 4%
Retire Later
Age 77
currently targeting 65
Current Path Supports
$29,660/yr
targeting $60,000/yr
Projected Growth vs Target
This calculator provides estimates only and does not constitute financial advice. Projections use a 4% safe withdrawal rate and assume constant returns. Actual outcomes depend on market conditions, fees, and individual circumstances.
How It Works
No guesswork, no jargon. A structured approach that keeps you informed at every stage.
A clear, structured process, because your retirement is too important to leave to chance.
Define Your Vision
What does retirement look like for you? We start with your goals, your ideal lifestyle, timeline, and what financial freedom means on your terms.
Assess Your Position
We map your complete financial picture, income, assets, KiwiSaver, property, and debts, so we know exactly where you stand and what we're working with.
Build the Plan
We create a clear, actionable plan, built specifically around the retirement you want.
Execute & Review
We implement the agreed strategy and review it regularly, because life changes, and your plan should too.
Benefits
Every advantage of working with Sentinel, built on real world experience and delivered with genuine care.
Why work with Sentinel
Your Home Is Not Your Retirement Plan
Most New Zealanders assume their home is their retirement plan. While paying off your mortgage before retirement is an important part of the strategy, a home you live in doesn't generate income. We help you identify and build the assets that actually fund the retirement you want.
Know Your Number
Everyone has a retirement number, the annual income they need to live the life they want. We work backwards from yours and build a plan to get you there.
We Plan Without Relying on NZ Super
NZ Superannuation is a government benefit, not a guarantee. We build your retirement plan to be fully self-sufficient, so if NZ Super is there when you need it, it's a welcome bonus rather than something you're depending on.
Transition Planning
Retirement isn't a single event. We help you plan the transition: reducing hours, drawing down assets, and managing income in retirement.
FAQs
Straightforward answers to the things people ask most.