Financial advisers – Mary Holm

NZ Herald 28 February 2026

mary — Fri, 27 Feb 2026 11:00:13 +0000

Woman, 63, plans to live in caravan… … Couple who do that wonder about selling the house they rent out Do inflation numbers take shrinkflation into account? How to find a financial adviser I goofed up on a student loan moral issue QI’m 63, single, with $150,000 in KiwiSaver, a home worth about $840,000, mortgage $87,000, and short-term debt $30,000. I own a caravan with annexe 20 minutes...

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NZ Herald 6 December 2025

mary — Fri, 05 Dec 2025 11:00:40 +0000

Couple in 70s sell home to fund retirement fun While couple in 50s may choose to stay renting How young reader may get into housing market Where are those tiny KiwiSaver fees? QWe are in our early 70s, retired, and will shortly have about $1 million from the sale of our house. Does it makes more sense to tip that sum into KiwiSaver or give it to a wealth management company? We are mortgage-free...

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NZ Herald 29 March 2025

mary — Fri, 28 Mar 2025 11:00:39 +0000

Put inheritance in finance company deposits? Should badly advised readers hire a lawyer? Bad advice ruined retirement Tax deductions might help couple Spend savings before postponing rates Psychology and selling gradually KiwiSaver funds usually unit trusts The maths of dollar cost averaging QI am wondering if you are doing a current update on investing, considering gold’s rise etc etc.

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RNZ Radio 27 March 2025

mary — Thu, 27 Mar 2025 02:10:21 +0000

Mortgage interest rates are falling. Huge rewards from keeping up old payments. 3 different types of mortgages — offset, redrawable and revolving credit, and who they work well for. Reduce term of mortgage — eg from 30 to 25 or 20 years. Makes a big difference. Listen to the segment below, or click here to read Radio NZ’s summary. You can listen to these sessions as podcasts.

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NZ Herald 22 March 2025

mary — Fri, 21 Mar 2025 11:00:24 +0000

Couple should complain about adviser — and sell investment This trick doesn’t work for selling Where to get help on veterans’ pensions Apartment prices haven’t grown as fast 2 ways for retirees to delay paying rates How retirement spending rule works QWe’re considering exiting an investment, but if we do we’d be realising a loss. But there’s a risk the loss could be bigger if we...

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NZ Herald 7 December 2024

mary — Fri, 06 Dec 2024 11:00:05 +0000

Where to get financial help — some of it free How do bank advisers fit in? Yes, children are learning about money Many over 65 struggle Would Q&A have upset people? What’s luck got to do with it? QI am seeking a recommendation for a financial adviser please. As an early 60s white male, typically hardworking and generous, I have found myself in a pickle and wish to seek sound financial advice.

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NZ Herald 20 July 2024

mary — Fri, 19 Jul 2024 12:00:38 +0000

Let’s get beneficiaries into KiwiSaver Tax issues when couple buy parents’ house and rent it to them How to find a good adviser 2 Q&As on the pluses of Lotto — and one minus QOur daughter is in her 40s, and due to ongoing health issues has been for some time on a Work and Income benefit. She has no assets or extra money. We are in our early 70s, not well off by any means.

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NZ Herald 13 July 2024

mary — Fri, 12 Jul 2024 12:00:26 +0000

Competitions a better bet than Lotto Reader dislikes my lottery winning ideas… … And a not very helpful idea “I have nothing” — help with inheritance Reader’s criticisms mostly off the mark Self-employed reader does well in KiwiSaver QOh, to have the problems associated with winning Lotto outlined in your 6 July column! My concern lies with people spending their money on Lotto and not winning.

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NZ Herald 6 July 2024

mary — Fri, 05 Jul 2024 12:00:02 +0000

Winning a lottery not so great Keep that gift easily accessible Boomer unhappy with last week’s column KiwiSaver for self-employed Will BNZ term PIEs still be “insured”? QWe read very sad outcomes for those who were fortunate enough to win the lottery, irrespective of the country. Could we read in your columns of any meaningful possibilities for the fortunate ones, say to win anything...

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NZ Herald 22 July 2023

mary — Fri, 21 Jul 2023 12:00:15 +0000

This article was published on 22 July 2023. Some information may be out of date. Become a digital nomad — but keep the house What it’s like working with a financial mentor Sell the house and rent in retirement? Some banks reject parents’ loans to children for house buying A warning on lending to an elderly parent QI am 56 and a recently new widow. My three children are adults and doing well in...

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