What are the opening hours?

Monday 9am - 5pm Tuesday 9am - 5pm Wednesday 9am - 5pm Thursday 9am - 5pm Friday 9am - 5pm

Castle Trust Financial Planning

Home
New Zealand
Richmond
Castle Trust Financial Planning

Call Directions Website Contact the business

We exist to help people get their finances organised. Castle Trust offer financial plans that are personal, holistic and adjusted as circumstances change.

We created Castle Trust for people who want to get the best out of their money because people often don’t understand their overall financial situation and how to go about planning for the future. We’re passionate about creating a world where our clients and community are financially better off. Castle Trust Financial Planning was created by Glyn Lewis-Jones and Kathryn Alborough who identified a gap in the NZ financial services market that there was no one providing comprehensive financial advices that was kept updated as circumstances change. With a passion for helping people, professional qualifications and decades of advisory experience.

26/10/2026

Forget the numbers for a moment.
What do you want life to look like in 10 years?

When people think about financial planning, it’s easy to start with numbers.
How much have I saved?
What’s my mortgage?
What are my investments worth?
There’s another place to start: what are you actually trying to make possible?

Perhaps it’s working less. Travelling more. Helping your children. Owning your home outright. Having choices about when you retire. Or simply knowing you’re heading in the right direction.

Once the destination becomes clearer, the financial questions become clearer too.

That’s where a good plan starts.

𝘾𝙖𝙨𝙩𝙡𝙚 𝙏𝙧𝙪𝙨𝙩 𝙁𝙞𝙣𝙖𝙣𝙘𝙞𝙖𝙡 𝙋𝙡𝙖𝙣𝙣𝙞𝙣𝙜 - 𝙛𝙞𝙣𝙖𝙣𝙘𝙞𝙖𝙡 𝙖𝙙𝙫𝙞𝙘𝙚 𝙛𝙤𝙧 𝙡𝙞𝙛𝙚

22/10/2026

Here’s a useful weekend conversation.

Ask your partner what their ideal retirement looks like – without discussing money first.
Where would you live?
Would you travel?
Would you both stop working at the same time?
What would an ordinary Tuesday look like?
Would helping children or grandchildren be important?

You may discover you’re picturing exactly the same future. You may discover two surprisingly different versions.

Neither is a problem.
But it’s much easier to build a financial plan when you know what you’re actually planning for.

Try the conversation this weekend. The numbers can come afterwards.

𝘾𝙖𝙨𝙩𝙡𝙚 𝙏𝙧𝙪𝙨𝙩 𝙁𝙞𝙣𝙖𝙣𝙘𝙞𝙖𝙡 𝙋𝙡𝙖𝙣𝙣𝙞𝙣𝙜 - 𝙛𝙞𝙣𝙖𝙣𝙘𝙞𝙖𝙡 𝙖𝙙𝙫𝙞𝙘𝙚 𝙛𝙤𝙧 𝙡𝙞𝙛𝙚

18/10/2026

Higher mortgage rates haven't stopped first-home buyers getting into the market.

Reserve Bank figures show first-home buyers took out around $1.475 billion in new mortgage lending during August alone.

That doesn't mean buying is right for everyone right now. It does show why it's worth finding out what your position looks like rather than assuming from the headlines that buying a first home is out of reach.

Deposit, income, existing commitments and the type of property you're considering can all influence your options.

Thinking “maybe next year”?
Have the conversation now.

You may leave with a much clearer idea of what needs to happen first.

𝘾𝙖𝙨𝙩𝙡𝙚 𝙏𝙧𝙪𝙨𝙩 𝙁𝙞𝙣𝙖𝙣𝙘𝙞𝙖𝙡 𝙋𝙡𝙖𝙣𝙣𝙞𝙣𝙜 - 𝙛𝙞𝙣𝙖𝙣𝙘𝙞𝙖𝙡 𝙖𝙙𝙫𝙞𝙘𝙚 𝙛𝙤𝙧 𝙡𝙞𝙛𝙚

15/10/2026

One thing we never want a client to feel is that they should already know the answer.

Mortgages, investments, insurance and financial planning can come with plenty of questions. Our job is to make things clearer, explain your options in plain language and help you make informed decisions that suit your circumstances.

Thanks Tim for your great feedback 😊

Have questions of your own?
Bring them. That’s what we’re here for.

𝘾𝙖𝙨𝙩𝙡𝙚 𝙏𝙧𝙪𝙨𝙩 𝙁𝙞𝙣𝙖𝙣𝙘𝙞𝙖𝙡 𝙋𝙡𝙖𝙣𝙣𝙞𝙣𝙜 - 𝙛𝙞𝙣𝙖𝙣𝙘𝙞𝙖𝙡 𝙖𝙙𝙫𝙞𝙘𝙚 𝙛𝙤𝙧 𝙡𝙞𝙛𝙚

11/10/2026

If you’ve noticed mortgage rates heading in a different direction lately, you’re not imagining it.

After a period when borrowers became accustomed to falling rates, conditions have changed. The Reserve Bank increased the OCR to 2.75% in September, and says higher wholesale rates have been flowing through to mortgage rates at terms between six months and two years.

If your mortgage is coming up for refixing, this is a good reminder not to make the decision based solely on whichever rate catches your eye first.

Your loan size, budget, future plans and appetite for certainty all matter when deciding what structure and term may suit you.

Coming up for refixing?
Talk to our mortgage team about your options.

𝘾𝙖𝙨𝙩𝙡𝙚 𝙏𝙧𝙪𝙨𝙩 𝙁𝙞𝙣𝙖𝙣𝙘𝙞𝙖𝙡 𝙋𝙡𝙖𝙣𝙣𝙞𝙣𝙜 - 𝙛𝙞𝙣𝙖𝙣𝙘𝙞𝙖𝙡 𝙖𝙙𝙫𝙞𝙘𝙚 𝙛𝙤𝙧 𝙡𝙞𝙛𝙚

07/10/2026

Nobody gives you a manual for grown-up life, and insurance is often the last thing anyone explains. So here's what we'd tell our younger selves.

If an illness or injury stopped you working for six months, how would you cover the rent or mortgage, the power bill and the groceries? For most people the answer is savings that run out fast, or leaning on family. The right cover means a hard time stays a hard time and doesn't become a financial setback that takes years to recover from.

You don't have to work it out alone. Book a free chat with a Castle Trust adviser and we'll help you find what matters most for you.

30/09/2026

The financial plan you needed at 35 probably isn't the financial plan you'll need at 55.

Your income changes. Your mortgage changes. Children grow up. Careers take different directions. Retirement gets closer. Your priorities shift.

So why would your financial plan stay exactly the same?

We believe financial planning is an ongoing process rather than something you create once and put away.

That's also why our team approach matters. Castle Trust brings advisers at different career stages together to provide continuity and ongoing support as clients move through different stages of their own lives.

A good plan doesn't have to predict everything that's coming.

It needs to keep adapting to what matters to you.

Has life changed since you last reviewed your plan?
It could be time for another conversation - https://castletrustinitial.timetap.com/ #/

𝘾𝙖𝙨𝙩𝙡𝙚 𝙏𝙧𝙪𝙨𝙩 𝙁𝙞𝙣𝙖𝙣𝙘𝙞𝙖𝙡 𝙋𝙡𝙖𝙣𝙣𝙞𝙣𝙜 - 𝙛𝙞𝙣𝙖𝙣𝙘𝙞𝙖𝙡 𝙖𝙙𝙫𝙞𝙘𝙚 𝙛𝙤𝙧 𝙡𝙞𝙛𝙚

27/09/2026

Some financial questions are too important to leave sitting in the “we really should work that out” pile:

Could we pay our mortgage off sooner?
What would happen financially if one of us couldn't work?
When could we realistically afford to retire?

They're very different questions, but they have something important in common: a good financial plan can help you answer them.

Rather than carrying the questions around for another few years, start by understanding where you are now, where you want to get to and what may need to change along the way.

That's the kind of conversation we have with people every week.

𝘾𝙖𝙨𝙩𝙡𝙚 𝙏𝙧𝙪𝙨𝙩 𝙁𝙞𝙣𝙖𝙣𝙘𝙞𝙖𝙡 𝙋𝙡𝙖𝙣𝙣𝙞𝙣𝙜 - 𝙛𝙞𝙣𝙖𝙣𝙘𝙞𝙖𝙡 𝙖𝙙𝙫𝙞𝙘𝙚 𝙛𝙤𝙧 𝙡𝙞𝙛𝙚

24/09/2026

If one goal moved forward between now and the end of the year, what would make the biggest difference?

Most people have more than one financial priority competing for attention.
Paying down debt.
Building investments.
Preparing for retirement.
Helping family.
Creating an emergency reserve.
Making room for a meaningful experience.

The challenge is rarely finding another goal. It is deciding which goals 𝘮𝘢𝘵𝘵𝘦𝘳 𝘮𝘰𝘴𝘵, what 𝘰𝘳𝘥𝘦𝘳 to approach them in and what 𝘵𝘳𝘢𝘥𝘦-𝘰𝘧𝘧𝘴 you are comfortable making.

A plan creates a place for those decisions to be considered together.

Which priority would you most like to make progress on before the end of 2026?

𝘾𝙖𝙨𝙩𝙡𝙚 𝙏𝙧𝙪𝙨𝙩 𝙁𝙞𝙣𝙖𝙣𝙘𝙞𝙖𝙡 𝙋𝙡𝙖𝙣𝙣𝙞𝙣𝙜 - 𝙛𝙞𝙣𝙖𝙣𝙘𝙞𝙖𝙡 𝙖𝙙𝙫𝙞𝙘𝙚 𝙛𝙤𝙧 𝙡𝙞𝙛𝙚

20/09/2026

Retirement isn’t one number.
“How much will I need to retire?” is an important question - but it isn’t the only one.

Your retirement plan also needs to consider:
- When you would ideally like to stop or reduce work
- What you expect everyday life to cost
- Whether travel or other major experiences are a priority
- How your spending could change over time
- What financial commitments may continue
- How comfortable you are with uncertainty
- What you want to leave behind

A useful retirement plan connects the numbers to the life those numbers need to support.

If retirement is becoming more real, we can help you work through the questions behind the number - https://castletrustinitial.timetap.com/ #/

𝘾𝙖𝙨𝙩𝙡𝙚 𝙏𝙧𝙪𝙨𝙩 𝙁𝙞𝙣𝙖𝙣𝙘𝙞𝙖𝙡 𝙋𝙡𝙖𝙣𝙣𝙞𝙣𝙜 - 𝙛𝙞𝙣𝙖𝙣𝙘𝙞𝙖𝙡 𝙖𝙙𝙫𝙞𝙘𝙚 𝙛𝙤𝙧 𝙡𝙞𝙛𝙚

Address

278 Queen Street
Richmond
7020

Opening Hours

Monday	9am - 5pm
Tuesday	9am - 5pm
Wednesday	9am - 5pm
Thursday	9am - 5pm
Friday	9am - 5pm

Telephone

+6435284184

Website

http://www.castletrust.co.nz/

Alerts

Be the first to know and let us send you an email when Castle Trust Financial Planning posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.