Build wealth without putting life on hold
Most people think financial planning is about retirement decades away.
In reality, it’s about making confident decisions today - so you can travel, upgrade your home, support your family and still move forward financially.
Your first step is a comprehensive 2-hour consultation where we map your position and outline the strategy.
A strategy instead of guesswork
Many people manage money haphazardly.
A bit in KiwiSaver.
Extra mortgage payments.
A fund someone suggested.
Maybe a property idea later.
Nothing is wrong individually — but together it becomes guesswork.
Returns stay average despite good income. Debt reduces slower than expected. Retirement feels distant. Money keeps creating tension instead of freedom.
Financial planning replaces improvising with an intentional structure.
When people seek advice
Clients usually contact us after moments like:
“We earn well but feel behind.”
“We bought a home — what next?”
“We have investments but no structure.”
“We want to invest in property without a costly mistake.”
“Big decisions feel risky without knowing the impact.”
“Monthly finances are fine, long-term isn’t clear.”
Planning becomes valuable once decisions are too important to guess.
Who this is for
This service is for people doing fine financially but no longer comfortable making important decisions without a strategy. Typically:
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Household income $150k+
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Professionals or business owners, especially time-poor ones
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Homeowners planning next moves
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Investors wanting structure
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Major financial decisions in the next 1–5 years
If the question is not “can I afford this week?” but “what should I do next?” — it’s usually the right time.
What a financial plan covers
Planning isn’t only about retirement decades away. It’s about using money intentionally - now and later.
We help balance progress with living so today’s decisions don’t quietly compromise the future.
We evaluate:
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Property decisions
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KiwiSaver positioning
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Investment allocation
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Debt approach
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Retirement timing
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Competing priorities
And answer practical questions:
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Can we travel every year safely?
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Can we renovate and still invest?
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Are school or university costs realistic?
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When is upgrading a car sensible?
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How much lifestyle spending is safe?
Not choosing between life and wealth — structuring both deliberately.
Our approach - investment-led financial planning
We are not tied to one asset class.
The strategy uses multiple sources of return so progress doesn’t rely on a single bet working.
We specialise in:
✔️Residential property investing
✔️KiwiSaver optimisation
✔️Investment funds portfolios
Using both passive index funds and actively managed funds.
Maria Temnyuk and Craig Johnson
– Founders and Directors of Diamond Property & Wealth
Independent investment review
You don’t need to move investments to receive advice. We review portfolios held with banks, platforms or other advisers and assess:
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Allocation suitability
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Fees
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Overlap
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Concentration risk
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Tax efficiency
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Diversification gaps
Sometimes small adjustments help. Sometimes structural changes materially improve outcomes.
Independent second opinion — no transfers required.
What you leave knowing
After a plan clients typically know:
✔️Whether to prioritise mortgage reduction or investing
✔️How much property they can afford
✔️Which KiwiSaver fund suits them
✔️What to invest monthly and where
✔️Their projected retirement position
✔️Which decisions accelerate or delay progress
Instead of uncertainty — a sequence of actions.
Once everything is in place, ongoing maintenance is minimal.
Most clients spend around 1–2 hours per year reviewing and updating the plan.
You leave with a system that runs in the background rather than something you have to constantly manage.