Last updated: 14 July 2026
The Southern Portfolio (nztaxtools.co.nz) is written by Alan Gilbert. Everything on this site, articles, guides, calculators, and FAQs, is provided for general educational purposes only. Read this page before acting on anything published here.
Nothing on this site is personalised financial advice. It doesn't account for your individual circumstances, financial situation, or goals. Under the Financial Markets Conduct Act 2013, personalised financial advice can only be given by an appropriately licensed financial adviser who understands your specific situation. This site does not do that.
Sections end with "here's what to consider," never "here's what to do." That's a deliberate editorial line, not a formality.
Alan has close to two decades of experience in New Zealand financial services, including work on KiwiSaver strategy and wealth products at ANZ, ASB, and Kiwi Wealth. That background shapes how this content is written, but it doesn't make it advice. Industry experience and holding a financial advice licence are different things, and this site doesn't claim the latter.
Tax rules, interest rates, thresholds, and platform features referenced on this site change over time, sometimes quickly. Reasonable care is taken to keep content current, and articles reflect the information available at time of writing, but nothing here should be treated as a substitute for checking current IRD guidance, RBNZ data, or a platform's own current terms before making a decision.
The FIF, PIR, and KiwiSaver fee calculators on this site are provided for illustrative and educational purposes. They're built to reflect current rules as understood at time of publishing, but they don't account for every individual circumstance and shouldn't be relied on as a substitute for a proper tax return calculation or advice from a tax professional. Always verify figures independently, particularly for FIF filing.
Past performance, historical rates, and illustrative examples used in articles are not a guarantee or prediction of future results. Investing involves risk, including the risk of loss.
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To the extent permitted by law, no liability is accepted for any loss or damage arising from reliance on information published on this site. If you need advice specific to your situation, engage a licensed financial adviser or tax professional.
For anything not covered here, get in touch via the Contact page.
This is educational content, not advice. For your specific situation, talk to a licensed financial adviser or a tax professional.
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