Aroha Advisory

Got a big IRD bill hanging over your head?

We understand that dealing with IRD debt can be stressful, especially when you’re already trying to manage your household expenses or keep your business running.

The good news is, you don’t have to figure it all out on your own.

At Aroha Advisory, we can sit down with you, look at your situation and explain what options may be available to you. Whether you’re an individual or a business, we can help you understand your IRD position and work towards a practical way forward.

We’re offering a FREE 30-minute consultation to have an initial conversation and see how we can help.

📞 022 587 1603
📧 [email protected]

Sometimes, the hardest part is simply taking the first step.

Talk to us. Let’s see what we can do together. ❤️

We are proud to share an exciting milestone!

Aroha Advisory is now officially registered as a Department of Internal Affairs (DIA) AML/CFT Reporting Entity.

Whether you're a law firm, real estate agency, financial adviser, accountant, or other reporting entity, we're here to help you stay compliant with confidence.

✅ AML/CFT Compliance Programmes
✅ Risk Assessments
✅ Customer Due Diligence (CDD & EDD)
✅ Annual AML Reviews
✅ Independent AML Audits
✅ Staff AML Training
✅ Suspicious Activity Reporting Guidance
✅ Ongoing AML Compliance Support

Let us take the complexity out of AML/CFT compliance, so you can focus on growing your business.

📞 022 587 1603
📧 [email protected]

Aroha Advisory – Lead with Heart. Trusted. Compliant. Committed.

Is Your Business Ready for an IRD Audit?

Inland Revenue is increasing its focus on tax compliance, GST accuracy, and payroll reporting. Now is the perfect time to ensure your business records are complete, accurate, and audit-ready.

At Aroha Advisory, we help businesses stay compliant through:
✅ GST Returns & Compliance
✅ Bookkeeping Services
✅ Payroll & PAYE Reviews
✅ Tax Risk Assessments
✅ Audit Readiness Reviews

Don't wait until you receive an IRD letter. Taking proactive steps today can help you avoid unnecessary penalties, interest, and stress.

📧 [email protected]
📞 022 587 1603

Aroha Advisory – Lead With Heart.
Your trusted partner for Accounting, Taxation, Audit Support, and Business Advisory.

RBNZ Increases OCR to 2.50% – What Does This Mean for You?

The Reserve Bank of New Zealand has increased the Official Cash Rate (OCR) from 2.25% to 2.50% in an effort to bring inflation back towards its 2% target. This is the first increase after a period of lower interest rates and signals that inflationary pressures remain a concern.

What does this mean for households and businesses?

🏠 Homeowners
• Floating and new fixed mortgage rates may increase.
• Monthly repayments could rise, making budgeting more important.

🏢 Business Owners
• Borrowing costs for business loans and overdrafts are likely to increase.
• Businesses with strong cash flow and healthy profit margins will be better positioned to manage higher finance costs.
• Now is the right time to review pricing strategies, operating expenses, and cash flow forecasts.

💰 Savers & Investors
• Term deposits and savings accounts may offer improved returns as banks adjust their interest rates.

📊 Economic Outlook
Higher interest rates generally slow consumer spending and borrowing, helping to reduce inflation. While this can moderate economic growth in the short term, it aims to create a more stable and sustainable economy over the longer term. The Reserve Bank has also indicated that future OCR decisions will depend on incoming economic data and inflation trends.

How can Aroha Advisory help?

- Cash flow forecasting
- Business budgeting and financial planning
- Tax planning
- Profitability analysis
- Business performance reviews
- Strategic advice for navigating changing economic conditions

If you're wondering how this OCR increase affects your business or personal finances, we'd be happy to help you understand the impact and plan ahead.

📩 Contact Aroha Advisory today for professional accounting and business advisory services.
0225871603
[email protected]

Received an IRD Audit Notice or Facing Tax Debt?

As a registered IRD Tax Agent, I can assist individuals and businesses dealing with:

✅ Income Tax Assessments
✅ GST Liabilities
✅ IRD Penalties & Interest Charges
✅ Family Tax Credit / Working for Families Debt
✅ Student Loan & Other IRD Debt Matters
✅ IRD Audits and Investigations

If you have outstanding tax obligations or have received a notice from IRD, I can represent you, communicate directly with IRD on your behalf, and work towards achieving the best possible outcome, including reducing penalties where eligible and arranging practical repayment solutions.

Contact Aroha Advisory today for a confidential discussion.

📞 022 587 1603
📧 [email protected]

🚀 Grow Your Business With Confidence 🚀

At Aroha Advisory, we help New Zealand individuals and businesses stay compliant, improve financial clarity, and grow smarter.

Our services include:

- Individual & Company Tax Returns

- GST Returns & Compliance

- New Company Formation

- Financial Statements & Reporting

- IRD Audit Assistance

- Bookkeeping Services

- Business Automation Solutions

- Website Development

- SEO & Digital Marketing

NZ Business Specialists
Fast & Reliable Service
Affordable Pricing
Personalized Advice

Whether you're starting a new business, managing day-to-day bookkeeping, or looking for ways to automate and scale, we're here to help.

📞 Book your free consultation today:

022 587 1603
[email protected]

Aroha Advisory – Helping Businesses Grow Smarter.

Aroha Advisory

Grow your business with confidence!

At Aroha Advisory, we help businesses with:
✅ Business Consultation
✅ New Company Formation
✅ Tax & GST Filing
✅ Cash Flow Strategies

Professional advice with a personal branding.

📧 [email protected]
📞 022 587 1603
Aroha Advisory

Income Protection Insurance in NZ: Are You Missing a Legitimate Tax Deduction?

Many salaried employees in New Zealand pay for income protection insurance, but many don’t realise the premiums may be tax-deductible under Inland Revenue Department rules.

Here’s a clear breakdown 👇

What is Income Protection Insurance?
This type of insurance replaces a portion of your income (typically up to 75%) if you’re unable to work due to illness or injury.

Unlike life or trauma cover, it usually pays a monthly benefit, helping maintain your cash flow while you recover.

When is the Premium Tax Deductible?
You can claim your premiums as an expense only if:
- The policy pays regular income (monthly payments)
- The payout would be treated as taxable income
Why? Because IRD taxes the benefit, it allows a deduction on the premium.

When You Cannot Claim
Premiums are not deductible if your policy:
- Pays a lump sum (e.g. trauma or critical illness cover)
- Provides a tax-free benefit

Key Things to Watch
- You must file an IR3 return (don’t rely on auto-assessment)
- Keep records of your policy and payments
- If your policy includes multiple covers, only the income protection portion is deductible

Why This Matters
NZ tax rules offer very limited deductions for salaried employees—so missing this one means leaving money on the table.

If you’re unsure whether your policy qualifies, it’s worth reviewing the wording or speaking with a professional.

At Aroha Advisory, we help individuals and business owners maximise legitimate tax deductions while staying fully compliant.

Get in touch: 022 587 1603
[email protected]

Aroha Advisory