Understanding the Upcoming Changes and Their Impact on Retirement SavingsNew Zealanders will soon see changes to KiwiSaver contribution rates, affecting both employees and employers.With the country’s population structure evolving, these adjustments aim to encourage greater personal savings for retirement.Here’s what you need to know about the upcoming increases and their implications.Key Changes to KiwiSaver Contribution RatesThe minimum KiwiSaver contribution rates are set to rise in two stages:From 1 April 2026: Minimum employee and employer contributions will increase to 3.5% each.From 1 April 2028: Minimum employee and employer contributions will further increase to 4% each.These adjustments apply to all employees and employers currently making compulsory minimum contributions. For official details, visit Inland Revenue or MBIE.Why the Changes Are ImportantNew Zealand is experiencing significant demographic shifts. Research by Professor Paul Spoonley highlights a rapidly growing population aged 65 and older, declining birth rates, and a decreasing ratio of working-age people to retirees.These factors put pressure on public retirement systems and make personal savings more crucial than ever.What Employees and Employers Should ExpectEmployees contributing at the minimum rate will see their KiwiSaver deductions increase in 2026 and again in 2028, boosting their long-term savings.Employers will need to update payroll systems and adjust budgets to meet the new contribution requirements.Illustrative Impact: Comparing Contribution RatesConsider a 35‑year‑old earning $100,000 per year and starting with a KiwiSaver balance of $20,000. Contributing at the current minimum of 3% (employee) and 3% (employer) could see their balance grow significantly over time, assuming steady contributions and long‑term investment returns. Increasing contributions to 4% each could boost the projected retirement balance by around 25–30% over the same period. These figures are indicative only; actual outcomes depend on investment returns, fees, taxes, salary growth, fund selection, and time in the market.The Power of Small IncreasesEven modest increases in contribution rates can significantly impact retirement savings due to the effect of compounding.As employer contributions rise, additional savings accumulate over decades, becoming especially important amid New Zealand’s demographic challenges.Need Personalised Advice?If you’re unsure how these changes may affect your retirement plans, Central Financial Planning’s experienced team can help. They offer guidance on contribution options, model retirement scenarios, and support informed decision-making.Contact Central Financial Planning:📞 Phone: 03 448 8613📧 Email: [email protected]🌐 Website: www.centralfp.co.nz

Central Otago District Council (CODC) is backing proposed changes to national rules for earthquake-prone buildings, saying a risk-based approach would protect public safety without forcing small communities to lose beloved buildings they cannot afford to upgrade. In a submission lodged on the Building (Earthquake-prone Buildings) Amendment Bill, the council said the changes on the table could significantly reduce costs for districts like Central Otago, where the council owns 15 earthquake-prone buildings, all of them historic.The council said earthquake-strengthening costs under current settings would run into the millions for buildings that sit at the heart of rural communities, placing a huge burden on a small ratepayer base."These historic buildings deeply connect to the district’s identity. They reflect the regions gold-mining origins, resilient early communities, and the distinct way of life shaped by the climate, landscape, and cultural traditions," the submission said.Mayor Tamah Alley said the council supported the move to a risk-based approach.“A risk-based approach allows us to focus our resources where they are needed most, ensuring public safety while recognising the significant financial impact current settings have on small communities like ours,” she said.“We are committed to protecting both our people and our heritage buildings in a way that is practical, proportionate, and sustainable."The council said its earthquake-prone buildings ranged in age from 50 to 158 years old, with many performing poorly against modern building standards due to their age and original construction methods.The oldest, the Naseby Town Hall, was built in 1868 - just 26 years after the signing of the Treaty of Waitangi.Central Otago covers nearly 10,000 square kilometres but has approximately 25,500 residents and 15,500 ratepaying units, which the council said created “a significant funding and financing challenge” under current earthquake-strengthening requirements.CODC’s 2025-2037 Long Term Plan has budgeted $8.6M for earthquake strengthening across 11 buildings it plans to retain.If four buildings earmarked for potential divestment were also kept, costs would rise by $2–3M.“This would represent a spend in excess of $555 per ratepaying unit for the 11 to be retained; or almost $700 for all 15,” the submission said.The proposed legislative changes would allow the council to prioritise work on the highest-risk parts of buildings rather than requiring full upgrades to modern standards.The submission also highlighted strong community support for retaining council-owned halls and facilities.During consultation on the Long Term Plan last year, 650 submissions were received on the future of earthquake-prone buildings, with 85.8 per cent supporting retaining some or all of them.Public submissions on the bill closed on Monday (February 16), with a report due to the Transport and Infrastructure Select Committee later this year.Read more: Council weighs impact of new quake rules on local halls and assetsHave a story to share or comment to make? Contact [email protected]

An overwhelming 92% of submissions on the Otago Regional Council Public Transport Plan (2025-35) said more support should be given to community transport initiatives.At a recent workshop, regional councillors heard from staff about the work being done across the district over the past year, to address the issues.A student researcher has been investigating the different types of transport options currently being offered across the region, including community initiatives such as St John, Red Cross, Presbyterian Support and the RSA - often run by volunteers.There are currently between 15 and 20 different organisations providing transport assistance - mostly for health care and community engagement in the region.Originally there were plans to trial assisting commuters living in Alexandra and Cromwell that work in Queenstown, given the high volume of traffic across the district.But it was downscaled back to just an investigation in 2025 due to government co-funding constraints.Cr Neil Gillespie asked whether there was a role for the ORC to support the community groups, as it appeared there was some duplication of the same services.“I’m not convinced that we are well connected and co-ordinated.”Research has shown that public bus services between Cromwell-Alexandra and Alexandra-Wanaka are well utilised. Image: suppliedStaff confirmed many of the groups worked in isolation with limited funding and volunteers, and provided some examples of other areas such as Canterbury where local government funding support models have worked well.A Community Vehicle Trust was one option where the existing volunteer model could move from being wholly community owned to having financial assistance from the ORC as a subsidised service.ORC staff will prepare a paper for the March regional council meeting, for councillors to look at some of the options, including a dedicated resource such as a community transport advisor to engage with the groups.A core aspiration for the council's involvement is to be an enabler for community groups, rather than becoming a direct service provider.Have a story to share or comment to make? Contact [email protected]

The developer of the proposed Bendigo-Ophir gold project has secured the massive financial backing required to move from exploration to construction.In a statement to the ASX and NZX on Tuesday, Santana Minerals confirmed it has received "firm commitments" to raise A$130M (approx. NZ$152.1M) from "institutional and sophisticated investors".The company emerged from a trading halt following the announcement.Chief executive Damian Spring said the funds will "accelerate our pathway to production" by paying for early civil infrastructure works and placing deposits on major equipment.According to the market update, the move is designed to ensure the company can begin work immediately if final resource consents are granted.In a boost for local shareholders, the company's announcement also detailed a share purchase plan.This allows existing investors in New Zealand and Australia to apply for up to A$24,948 (approx. NZ$29,200) worth of new shares at the same discounted price of A$0.90 (approx. NZ$1.05) offered to the large institutions.Alongside the financial manoeuvres, the local conversation remains active.Santana Minerals reported plenty of interest at the Central Otago A&P Show on Saturday, saying close to 200 people dropped by their tent.According to a post on the company’s Facebook page, the most common question from locals was, “So… when do you start digging?”.The company said their youngest visitors included a "sharp group of students from Poolburn School" who are already shareholders."People came with real curiosity and plenty of straight-talk," the post said."Some raised concerns, many shared encouragement."Sustainable Tarras shares a video message from former prime minister Helen Clark. Image: Screengrab/FacebookHowever, the opposition is also ramping up its profile.Community group Sustainable Tarras shared a video to their Facebook page this week featuring former prime minister Helen Clark, who urged those concerned about the environmental impact of the mine to add their voices to collective opposition."Speak up. Spupport those who are asking for proper consideration to be given to future planning, the environment, communities and iwi," she said in the video."Let us all help shape the future of the country we love with proper care and attention. We are its guardians."The latest developments come just days after reports of escalating tension in the community, including claims of online abuse directed at those publicly opposing the project, which is being considered under a fast-track consenting pathway.The expert panel appointed to decide the mine's fate is officially scheduled to begin its work next week, which will mark the start of a 140-working-day timeframe, with a final decision required by October 29.Read more: Santana mine to face 140-day fast-track assessment and Claims of threatening behaviour escalate mine tensionsHave a story to share or comment to make? Contact [email protected]

For the third season running, Central Otago orchardist Mike Casey has delivered a two-kilogram box of cherries to every Member of Parliament, but last week’s drop-off marked the first time the fruit arrived on Parliament’s forecourt in a fully electric truck.Mike said Ross Linton, from trucking firm Etruck, “came to the party”.The truck collected the cherries from the Mt Pisa orchard, stopped for “a cheeky charge” in Christchurch, then continued to Picton and across Cook Strait.“The ferry was the only fossil fuels that were involved,” Mike said.His goal for next year is to see the cherries cross the strait on an electric ferry.“Then it will be a fully electric cherry migration the whole way,” he said.Mike said the arrival drew plenty of interest from MPs, with many coming outside to greet the delivery, climb into the truck and talk with those involved.Oppositon leader Chris Hipkins and the electric delivery truck. Image: FacebookHe acknowledged the annual stunt raised eyebrows.“People come up and ask, ‘Are you bribing politicians?’ And my answer to that is, well, I’m bribing them all equally,” he said.Each box was worth close to $90.But Mike said the cherries were less about currying favour and more about opening a cross-party conversation on electrification.“I want it to not be a political hot potato, because I genuinely believe, no matter what side of politics you’re on, electrification is good for the country,” he said.“From an energy sovereignty, an energy security, an economic and a climate perspective, everybody wins.”Mike said National MP and deputy speaker of the House Barbara Kuriger played a key role in helping get the electric truck onto the parliamentary forecourt.Security had been “pretty nervous” about vehicles entering the precinct after recent protests and stunts, and Barbara helped “convince Gerry Brownlee” to allow the electric truck through.Cromwell orchardist Mike Casey and National MP Barbara Kuriger, wearing a cherry-themed dress. Image: FacebookMike said he first met the MP at a farmers’ event in Taranaki, where he was speaking about electrification.After he outlined his plan to deliver the cherries to MPs, “she was fully on board with it”, and later turned up on the day in “cherry shoes and a cherry dress and cherry earrings” to welcome the truck.He said the annual cherry drop had also become a way to put Central Otago front and centre for Wellington decision-makers, alongside larger horticulture regions."The Hawke's Bay, when it comes to apples, is a bigger line item on a spreadsheet," he said.“One of the unintended benefits of doing this is that I’m also representing Central Otago and our fruit growers.“It’s really good to get in there and show them what’s going on.”Have a story to share or comment to make? Contact [email protected]

We’ve all heard the phrase: “Volunteers aren’t paid, not because they are worthless, but because they are priceless.”It’s a beautiful sentiment - perfect for a greeting card.But lately, I’ve been thinking about the gap between that quote and the reality on the ground.As someone who runs a communications business and also volunteers across several organisations, I’ve seen behind the curtain of our not-for-profit world. And here’s the uncomfortable truth:Many organisations are treating their most valuable asset (people) with a level of neglect that would bankrupt a private business.The “Employee” mindset we’re missingThere’s a common misconception that because no money changes hands, the normal rules of management don’t apply.They absolutely do.While volunteers don’t receive a pay cheque, they should be treated with the same professional clarity and respect as employees.That means:Clarity of RoleThey need to know exactly what’s expected of them — not just “help out where you can.”Consistent SupportThey shouldn’t be left to “figure it out” because they’re doing it for free.Safety and StandardsThe same culture, communication, and protection rules apply. Always.If your organisation would never treat a paid staff member a certain way, why is it acceptable for a volunteer?The Christmas SilenceLet’s address the elephant in the room: gratitude.This past holiday season, I sat back and waited. I volunteer professional-level hours for multiple organisations.The result?Silence.Not a text.Not a “Happy Holidays” email.Certainly not a small token of appreciation.In the corporate world, we have Christmas functions, bonuses, or at the very least a card from the CEO. In the volunteer world? Often just a “see you in January.”When an organisation receives thousands of hours of free labour, failing to acknowledge that contribution isn’t just a social oversight.It’s bad leadership.Why the Well is Running DryEverywhere I turn, I hear the same concern:“It’s so hard to find volunteers these days.”Before we blame busy schedules or “the younger generation,” we need to look in the mirror.If you treat people like they are disposable because they are free, eventually they will dispose of the commitment.People volunteer to make a difference. They stay because they feel seen, supported and valued.If the only time a volunteer hears from you is when you need a shift filled, you’re not building community, you’re managing a transaction.And transactions don’t build loyalty.The Bottom LineVolunteers are not “extra.” They are infrastructure.If we want strong clubs, boards, community trusts and events in Central Otago, we need to treat our volunteers with the same professionalism we expect in our businesses.A little gratitude goes a long way.But a total lack of it goes even further, straight out the door.Let’s do better.If you’d like my “Volunteer Value” Checklist - a simple audit to see whether your organisation is truly supporting its volunteer team - click here and I’ll send it to you free of charge.All I ask is that you acknowledge the free support and say thanks.Because appreciation?It costs nothing, and it changes everything.

Tensions around a fast-tracked gold mine proposal in the hills above Cromwell have escalated this week, with opponents of the project alleging threatening behaviour and multiple groups linked to the debate publicly calling for online conduct to remain civil.Mine opposition group Sustainable Tarras said some of its members and individuals publicly opposing the mine had been subjected to “serious threats against them and their property”.“This absolutely crosses the line of what’s acceptable,” the group said in a Facebook post on Thursday.The group said it had written to Santana Minerals asking it to take action and would also respond directly, “including alerting the police, and publicly identifying anyone who does this”.Santana Minerals rejected any suggestion it was involved in threatening or abusive behaviour.In a Facebook post in response, the company said claims it was behind online abuse were “serious, and they are false”.“We do not control independent forums or what people say online,” the company said.“We do have zero tolerance for threats. Zero tolerance for intimidation. Anyone crossing that line does not speak for us.”Santana Minerals declined to provide further comment when contacted.Administrators of a pro-mining Facebook page that has grown rapidly in recent weeks also issued warnings to members.In a post by an administrator, the page said: “No threats to anyone please…There’s a time & a place & this isn’t it.”One of the page founders, Bill Sanders, said content would be removed if it crossed the line.“What I’m very concerned about is accusations of threats,” he wrote.“If anything is mentioned on this page that is over the top it will be deleted…We have zero tolerance for bad behaviour.”Meanwhile, Official Information Act documents released by Land Information New Zealand show an Auckland law firm acting for an unnamed New Zealand buyer has challenged Santana Mineral’s proposed acquisition of farmland at Ardgour Station.They allege their client was not given first opportunity to purchase the land, as required under rules for the sale of land to overseas buyers.In correspondence to the Overseas Investment Office, the firm described its client as having “a high degree of interest in purchasing Ardgour Station”, and as “a credible purchaser” with “funds readily available to complete the purchase”.It said its client first became aware the property was for sale through a Trade Me listing in September 2025, about two months after Santana Minerals announced it had entered into an agreement to purchase the station.The firm said its client contacted the agent listed on the advertisement seeking further information, but that information was not provided.The Bendigo-Ophir gold mine application, lodged by Matakanui Gold Ltd, a wholly owned subsidiary of Santana Minerals, is being assessed under the government’s Fast-Track Approvals Act.Earlier this month, a seven-member expert panel was confirmed to consider the application and a 140-working-day assessment period set, with a final decision due by October 29.Read more: Santana mine to face 140-day fast-track assessmentHave a story to share or comment to make? Contact [email protected]

Tourist arrivals topped 3.5 million for the first time since the Covid-19 pandemic, driven by a surge in Australian visitors.Stats NZ numbers showed overseas visitor arrivals hit 3.51 million in the year ended December 2025, up 6 percent from the prior year.The agency said it was the first annual period to exceed 3.5 million since the year ended March 2020.However, total annual visitor arrivals were 90 percent of 2019 levels, before the Covid pandemic began globally.It said Australia was the biggest source of visitors, up 10 percent from 2024, followed by the United States and China.More than 1.5 million tourist arrivals were from Australia in 2025, followed by 385,000 from the United States, and 262,000 from China."Holidaymakers were the main driver of the annual increase in overseas visitor arrivals in 2025 from 2024, followed by those visiting friends or relatives," Stats NZ international travel spokesperson Bryan Downes said.Visiting friends or relatives was the second most common reason for travel, Stats NZ said."The increase in overseas visitors to New Zealand in 2025 coincided with a 4 percent increase in flights into the country compared with 2024," Downes said.The country's two main international airports both reported additional seasonal flights for the peak summer period for tourism in New Zealand.Auckland Airport, the main gateway for overseas visitors, said in December that international capacity for the 2025/26 summer was up nearly 4 percent (207,000 seats) on the 2024/25 period.Christchurch Airport said in November it expected a record summer season in 2025/26, with international capacity up 15 percent on the prior year.

Voters in the Vincent ward will head to the polls following the resignation of newly elected councillor Dave McKenzie in October.The by-election will determine a new representative on the district council, with three candidates standing for this role.As part of our election coverage, we have put four questions to each candidate, covering key issues facing the ward and the wider district.All candidates were given the same questions, a 200-word word limit for each response, and the same deadline.Their answers will be published over the next two weeks, in their own words, to allow voters to compare the candidates’ positions directly.The series concludes today with a question focused on must-haves versus nice-to-haves when spending ratepayer dollars.Public consultation often results in a wide range of opinions. When the community is divided, how do you decide which way to vote? Will you always stick to the majority view, or are you prepared to make an unpopular decision if you believe it’s in the district’s best long-term interest?Andrew DowlingI listen to all points of view and then weigh up the pros and cons of each. From this I can then make the best decisions.At a governance level you are often privy to information that is not for the general public, this is a privilege and a responsibility. The responsibility is to use that information wisely to make the best decision for the region.I feel that division comes more from people not feeling listened to or having only one side of the story, rather than extreme views. We are a democracy. This gives you the right to have a view point and also the safety to be able to express it. We need people to tell us what they think, preferably before a decision is made rather than after!I’ll be making decisions that best suit our district and be prepared to explain my position.(I hope those who make all the noise also take the responsibility to vote!)Nat JamiesonPublic consultation is essential, not because it produces a single 'right' answer, but because it helps decision-makers understand the impacts, concerns, and trade-offs different people are facing. When opinions are divided, I would look carefully at who is affected, how strongly views are held, and what the long-term consequences of each option might be.I don’t believe a councillor’s role is simply to count hands and follow the majority every time. My responsibility would be to weigh community feedback alongside evidence, cost, risk, and long-term outcomes for the whole district. If the majority view aligns with what is sustainable and fair in the long run, I would support it. But if I genuinely believed an alternative decision better protected the district’s future, I would be prepared to make that call - even if it was unpopular - provided I could clearly explain my reasoning and remain accountable to the community.Louise van der VoortCommunity consultation is an important part of good decision making, but it is not the only thing councillors must consider. Consultation helps decision-makers understand community sentiment, surface local knowledge, and identify issues or perspectives that may not otherwise be obvious. It also provides an opportunity for questions, challenge, and debate, all of which strengthen decisions.However, many council decisions are complex and highly technical, involving legislation, long-term financial implications, risk management, and specialist advice. In these cases, decisions cannot be based solely on the volume of submissions received, particularly where participation levels are low or where the issues require a detailed understanding of regulatory or infrastructure systems.My approach would be to enter every decision with an open mind, not predetermined, and to carefully weigh all available information: technical advice, legal and financial considerations, and community feedback. Consultation is not a referendum, but one part of a broader responsibility to act in the district’s best long-term interests.There will be times when leadership requires supporting the majority view, and times when it means making a difficult or unpopular decision. I am prepared to do both, provided decisions are well-informed, transparent, and clearly explained to the community.Important dates for the Vincent by-election: Voting opens: Voting papers will be sent to eligible voters from Friday January 30Voting closes: Midday on Tuesday March 3Read more: Why should the community trust you to represent them, and what does 'transparency' look like to you in practice? - here How will you ensure this ward’s voice is heard while still making responsible decisions for the region as a whole? - here What do you consider a 'must-have' that you would protect at all costs, and what is one 'nice-to-have' service or asset you would be willing to cut or defer to keep rates affordable? - hereWatch here: Candidate videosHave a story to share or comment to make? Contact [email protected]

Voters in the Vincent ward will head to the polls following the resignation of newly elected councillor Dave McKenzie in October.The by-election will determine a new representative on the district council, with three candidates standing for this role.As part of our election coverage, we have put four questions to each candidate, covering key issues facing the ward and the wider district.All candidates were given the same questions, a 200-word word limit for each response, and the same deadline.Their answers will be published over the next two weeks, in their own words, to allow voters to compare the candidates’ positions directly.The series continues today with a question focused on the tension between district responsibilities and ward expectations.As a Vincent ward councillor, you’ll face a balancing act between local needs and the wider district’s goals. How will you ensure this ward’s voice is heard while still making responsible decisions for the region as a whole? Louise van der VoortLocal voice matters. Vincent has its own character, priorities, and challenges, and it is essential these are clearly understood and represented at the council table. Strong connections with the community are key to making sure local perspectives are heard and inform decision-making.Council’s role is to set clear strategic direction that delivers long-term outcomes for the district while allowing for local context. When this is done well, what benefits Vincent also strengthens Central Otago as a whole.If elected as a Vincent ward councillor, I will be required under the Local Government Act to serve the best interests of the district through the formal declaration of office. My responsibility will be to serve both the people of Vincent and the wider Central Otago district. Good decisions must always be made with the whole district in mind, ensuring delivery of services is fair, affordable, and equitable across our communities.With ongoing government reforms, it is more important than ever that Central Otago, and Vincent ward is not overlooked. I will advocate constructively, stay connected to the community, and bring a district-wide lens to every decision, ensuring Vincent’s voice is heard while acting responsibly for the region’s future.Andrew DowlingThis position represents the Vincent ward, so that would be my priority. I will also be responsible for getting information back to the ward members to make sure they can make informed opinions or understand why decisions have been made that may not have fallen in their favour.I’ll be putting up the best arguments to make sure Vincent ward needs and requests get considered, as I expect councillors from other wards to also be doing.Our ward is strong when the CODC district is strong. When it comes to those wider issues, like water management, we need to work together to get the best outcomes for CODC.Nat JamiesonAs a new councillor, my first responsibility is to listen. I want to be visible, accessible, and actively involved in the Vincent ward so people know their concerns are being heard and taken seriously. That means regular conversations with residents, community groups, and local businesses, not just during election time but throughout the term.At the same time, I understand that every decision affects the wider district, and I’m committed to looking at the bigger picture when it comes to long-term planning, budgets, and infrastructure. I believe you can advocate strongly for your local community while still making fair, responsible decisions for the whole region by being well-informed, open-minded, and willing to work with other councillors.My goal is to bring the real, everyday experiences of Vincent ward into the council chamber, while also supporting solutions that benefit Central Otago as a whole.Important dates for the Vincent by-election: Voting opens: Voting papers will be sent to eligible voters from Friday January 30 Voting closes: Midday on Tuesday March 3  Next instalment: Part three will be published on Thursday, focusing on must-haves versus nice-to-haves when spending ratepayer dollarsRead more: Why should the community trust you to represent them, and what does 'transparency' look like to you in practice?Watch here: Candidate videosHave a story to share or comment to make? Contact [email protected]

KiwiSaver is a long-term savings scheme designed to help New Zealanders save for retirement and is generally locked in until you reach age 65, but for many people, it also plays a crucial role much earlier, particularly when buying a first home.Understanding how KiwiSaver can be used, what happens if you work overseas, and how your KiwiSaver is dealt with on death can help you avoid unexpected issues later on.Using KiwiSaver for a First Home DepositIf you are buying your first home, you may be able to withdraw most of your KiwiSaver savings to put towards the purchase.In general, you can apply to withdraw:Your own contributionsEmployer contributionsInvestment returnsGovernment contributions (with some limits – if you worked overseas during the period these were paid, they may need to be repaid to the GovernmentYou must usually leave a minimum balance of $1,000 in your KiwiSaver account.To qualify, you typically need to:Have been a member of KiwiSaver for at least three yearsBe buying your first home (or be treated as a first-home buyer)Intend to live in the property as your main homePurchase a property within relevant price capsApplications must be made through your KiwiSaver provider, and timing is important, as funds are usually released shortly before settlement.KiwiSaver and Death: Why a Will Is ImportantKiwiSaver does not automatically pass to a spouse or partner. Instead, it becomes part of your estate when you die.If your KiwiSaver balance is relatively small, providers may be able to release the funds without probate. However, once a KiwiSaver balance becomes significant (often around $40,000 or more, depending on the provider), probate or letters of administration are usually required before the account can be closed and funds distributed.This means:Delays for your familyDistribution of fund according to the Administration Act 1969 and not how you wishAdditional legal costsMore stress at an already difficult timeHaving a current will in place ensures your KiwiSaver is dealt with in accordance with your wishes and can significantly streamline the process for those you leave behind.How We Can HelpKiwiSaver intersects with property law, estate planning, and relationship property in ways many people don’t anticipate.Our firm has a highly experienced team who can assist with:Advice on KiwiSaver withdrawals for first-home purchasesEstate planning and wills, including how KiwiSaver is treated on deathRelationship property advice where KiwiSaver is part of a separation or a contracting out agreement (pre-nup)Guidance for clients who have worked or lived overseasIf you would like clarity around your KiwiSaver position or want to ensure your affairs are properly structured, get in touch with us today to see how we can help.Sponsored Content: This article has been submitted by a contributing local expert as part of The Central App’s sponsored advisor programme.

Central Otago District Council has received the highest possible rating for communications and engagement in an independent review, with assessors finding the council is “thriving” in an area where local authorities are often heavily criticised. The result formed part of a Te Korowai independent evaluation report presented at Wednesday’s council meeting, the first full council meeting of the year. Mayor Tamah Alley said the top rating for engagement showed the council was performing strongly on something “that councils as a whole generally cop a lot of flak for”. Te Korowai consultant Mark Abbott said that tension was common across local government. “Quite frankly, I haven’t seen any council over the last decade or decade and a half that scores particularly well with its community in terms of communication, because they’re always expecting something better or something different or something more,” Mark said. The review assessed council performance across four areas: governance and leadership, financial decision-making, and service delivery, as well as communications and engagement. Overall, the council received a rating of Mauri Tū - the second-highest possible result in the programme. CODC staffer Amelia Lines, who presented the report at the meeting, said the overall result showed the council had strong foundations. “It means we have a good foundation to work from as well to improve if we choose to do this again,” Amelia said. Not all councillors supported the review. Maniototo councillor Stu Duncan said he had not supported the decision to undertake the evaluation, suggesting the council had been “pushed into it by some of the ratepayers who were not happy with council performance”. “I felt it was looking for faults, and I feel it’s not there,” Stu said. He said the council was already in a process of continuous change, suggesting the assessment did not alter that trajectory.Mark said the programme was not designed to find fault. “The intention of the programme as it’s currently shaped and framed is very much around development, improvement, and looking for what is positive,” he said. Te Korowai programme manager Elke Thompson said the independent nature of the process helped build trust and transparency. “Through the independent evaluation, it’s not just you singing your praises,” she said. “People can actually see that it was a robust process and that you are doing really well in many, many areas.” Tamah said she hoped members of the public would read the report. “It’s in a format that can be easily digested by our community,” she said. “It’s not full of jargon or confusing graphs or terminology they’re not going to follow.” The Te Korowai evaluation, run by Local Government New Zealand and formerly known as CouncilMARK, was carried out between June and August and included written submissions, interviews, and an in-person assessment by independent evaluators. Councillors voted to receive the report and note its findings.  The next step will be a workshop to develop an action plan addressing areas identified for improvement.The full report is available on the council's website.Have a story to share or comment to make? Contact [email protected]

For decades, the corporate structure has remained rigidly vertical. Strategy was dictated from the "bridge" by the captains of industry, while execution was carried out in the "engine room" by the crew. Information flowed down, and obedience flowed up.But we are currently witnessing a massive power shift.Artificial Intelligence is doing something unprecedented: it is leveling the playing field. It is dissolving the invisible barrier between execution and strategy, allowing the "underdog" in the engine room to outpace the traditional "captain" on the bridge.Intelligence, data analysis, and strategic foresight are no longer exclusive perks of the executive suite. Today, they are accessible to anyone with a laptop and the willingness to adapt.The Dinosaur DilemmaDespite the undeniable wave of change, we are seeing a strange phenomenon in leadership circles. I call it the Dinosaur Dilemma.There is a subset of leaders who are dismissing AI with a wave of their hand. You hear them say things like, "It’s not going to take jobs," or "That sort of automation isn't going to happen here anytime soon."These leaders are clinging to obsolete hierarchies. They rely on the authority of their title rather than the efficiency of their output. By ignoring these tools, they are making a fatal career calculation: they are choosing to fall behind the very employees they are supposed to lead. While they cling to the old charts, their crew is already navigating with GPS.The Power Shift: Why They Need YouThis reluctance from the top creates a unique paradox. While traditional bosses refuse to innovate, you have the immediate opportunity to master the tools that will essentially "save the ship."When an entry-level employee can use AI to analyse market trends, automate complex workflows, or draft high level communications in seconds, the hierarchy flattens. Value is no longer defined by tenure; it is defined by fluency.This creates a dynamic where the organisation needs you more than you need them. You are no longer just a pair of hands; you are the architect of your own efficiency. You become the translator between the problem and the solution.Your Window of OpportunityThe market is waking up. While the "dinosaurs" are stalling, open-minded leaders and forward thinking companies are aggressively hunting for AI fluency right now. They don't care if you have five years of management experience; they care if you can leverage AI to do the work of five people.By upskilling today, you position yourself for three distinct advantages:Higher Pay: AI fluency is a leverage multiplier. When you can produce high-quality work faster than your peers, you can negotiate based on output and productivity, not just hours worked.Better Culture: By signaling your skills, you attract (and get hired by) a "tribe" of innovators. You move away from environments that stifle growth and toward cultures that reward curiosity.Real Impact: AI handles the drudgery. This frees you up to do work that actually matters - creative problem solving, strategic thinking, and high-impact projects.The Takeaway We are in a brief transitional period where the gap between the "AI-literate" and the "AI-resistant" is still bridgeable. But that window is closing.Don't let a "dinosaur" stifle your potential. If your current leadership doesn't see the value of these tools, use them to outgrow your current role. Embrace AI now to transition from a bored employee in the engine room to an indispensable asset who knows exactly how to steer the ship.The bridge is yours for the taking.

The Institute of Economic Research's (NZIER) closely followed Quarterly Business Survey for the three months ended December showed a net 39 percent of respondents believed economic conditions would get better in coming months, compared to a net 17 percent in the December survey."There is a turnaround in demand, with lower interest rates finally gaining traction," NZIER principal economist Christina Leung said.Weak sales were still cited as the chief constraint on businesses, but the pressures were easing, with only 3 percent reporting lower sales in the quarter.Expectations were for improved growth in the coming quarter, with a net 23 percent forecasting a lift in their own business - up from 10 percent in the previous quarter.Leung said businesses were increasingly feeling confident about investing in plants and machinery and hiring more stuff.Business confidence improves to highest level since March 2014Net 39 percent expect economic improvement vs +17 pct in September surveyBusinesses report better demand, plan to invest and hire more.Inflation pressures contained around 3 pct, expected to gradually declineSurvey suggests annual growth around 1.4 pct, RBNZ to hold interest rates steadyBusiness sentiment rebounded strongly at the end of last year, with firms reporting improved sales and planning to hire staff and increase investment.NZIER principal economist Christina Leung. Photo: ABC News"Firms increased staff numbers and are feeling more positive about hiring in the next quarter."However, she said there were signs that firms were finding it more difficult to find skilled staff in the manufacturing and construction sectors, which could point to future labour shortages.She said inflation pressures were contained with fewer firms expecting higher costs and also fewer expecting to have to raise their prices, which indicated inflation gradually falling back to the middle of the Reserve Bank's 1-3 percent target band.Leung said the survey indicated the economy was recovering but the increase in growth was likely to be slower than previously thought, with annual growth about 1.4 percent."With demand starting to recover but inflation remaining contained, we expect no further OCR cuts in this monetary policy cycle.""We forecast the OCR to trough at 2.25 percent until the Reserve Bank.. commences increasing the OCR in the second half of 2026," Leung said.The manufacturing sector was the most optimistic of respondents, followed by service industries.

Founder of accounting company Xero, Sir Rod Drury, who has been made a Knight Companion in the New Year Honours, says he has loved using his business skills to help the community in recent years.Drury has been made a Knight Companion of the New Zealand Order of Merit for his services to business, the technology industry and philanthropy.Drury co-founded Xero in 2006 and helped develop it into a billion-dollar global company.Drury moved to Queenstown in 2019 after he retired as chief executive of Xero.He said since then he has enjoyed using his business skills to help the community in Queenstown in a variety of ways."Working on getting a hospital down to the Southern Lakes, putting in a lot effort into that," said Drury. "And working on solving the public transport problems with a new gondola, and those are projects that if you were sitting inside a normal company it would be hard to do, but if you have the time and resources to throw at thing, you can do things a lot more quickly."Drury has also been involved in environmental restoration through Mana Tāhuna and Project Tohu, funded equipment and facilities for Surf Lifesaving New Zealand, and supported Ngāi Tahu students and artists.He established Southern Infrastructure to support Queenstown public infrastructure projects and Tāhuna Ride and Conservation Trust which supports regenerative planting along with creating mountain bike trails.Drury said the accomplishment he was most proud of was twice taking his company public, with Xero listing first on the New Zealand stock market and then in Australia."One of the things I have learnt over time is if you take a company public it gives a whole lot of other people the opportunity for financial security," said Drury."If you do list a company it creates a product that people can put money in, and they can move themselves ahead forward too."It's a pretty noble cause. So of all the highlights I think creating a public company that still lives today, 20 years later, is something I am very proud of."Prime Minister Christopher Luxon said Drury was a titan of New Zealand business.Christopher Luxon visits Xero's London headquarters earlier this year. Photo: RNZ / Soumya Bhamidipati"While at the helm of Xero, it became New Zealand's second largest tech exporter, generating thousands of jobs and supporting more than four million customers worldwide. The company were pioneers in mental health and diversity. Since 2020 he has spearheaded public good infrastructure and philanthropic projects. His entrepreneurial career has seen New Zealand benefit in the fields of education, the environment, and renewable energy."Sir Rod Drury is one of four new knights, and three new dames named in the New Year Honours.

The independent panel assessing the massive Bendigo-Ophir gold mine has signalled its decision will likely take longer than the standard timeframe the fast-track law allows.Panel head Jane Borthwick put out a formal request (called a Minute) on Tuesday (December 9), asking the mine’s developer, Matakanui Gold Limited, a subsidiary of Santana Minerals, if it wouldagree to an extension.The mine is going through the government’s special fast-track consenting process for its planned open cast and underground mine in the hills above Cromwell.Jane said the decision process needs more time because the proposal is large and complex. Under the recently updated fast-track rules, the expert panel must make a decision within a maximum of 90 working days unless the applicant - in this case Matakanui Gold - agrees to a longertimeframe. However, Jane said her initial assessment suggests more time may be needed. "Based on the information before me, the scale, nature, and complexity of the application suggest that a timeframe exceeding 90 working days may be warranted," she said in the Minute. She suggested a timeframe of 110 to 120 working days, citing the sheer volume of the application, which includes 10 approvals sought, 22 proposed management plans and 10 sets of conditions.A 90-day decision would be due on July 28, if the panel begins its work at the start of February as planned, while a 120-day timeframe would push the final decision out to September 8. Jane said she will be "seeking views on this matter before forming a concluded view". Matakanui Gold Limited was directed to respond to the request by Friday (December 12), and at the time of publication no response had been uploaded to the government’s fast-track projects website. The request to extend the timeframe received approval from local protest group Sustainable Tarras."Against the background of Santana executives trying to speed up the process, reduce community involvement and minimise environmental protections, plus [Regional Development Minister] ShaneJones placing pressure on all involved to speed up and 'dig baby dig', this is welcome news," the group wrote on Facebook.  "The decision to proceed with this mine will have intergenerational and irreversible impacts. The panel needs sufficient time and space to consider all aspects of the application, and to make aconsidered decision." The Bendigo-Ophir mine, if approved, would be the largest new gold development in New Zealand in more than a generation. The company’s application, lodged at the start of November, includes nearly 9,400 pages of documents and 135 technical reports.Santana Minerals chief executive Damian Spring has said the milestone reflected “years of serious technical work and deep environmental assessment by New Zealand experts”.  The company anticipates the mine would produce up to 120,000 ounces of gold a year over a 14-year life, generating $5.8b in GDP and hundreds of jobs.Read more: Sustainable Tarras: fast-track process stacked in favour of miners and Santana lodges fast-track bid for Bendigo gold project 

The Central Otago District Council has begun shaping its next Long Term Plan, launching a three-year process that will guide how the district grows from 2027 to 2037.Workshops with elected members are now underway, with the Teviot Community Board the first to begin discussions, on Thursday this week.Chief financial officer Paul Morris led the session, asking members to think ahead about how they want their communities to develop over the next decade, and what ideas could help get them there.A large part of the workshop focused on ‘Rates 101.’ Paul highlighted the complexity of rating, noting that the council deals with over 15,000 properties, each subject to a "multitude of different outcomes".The council’s average rates increase for 2026 is set at 7.5%, and he addressed the Government’s proposed 4% rates cap, which he explained is not yet law but could influence future planning.The LTP (2027-2037) process includes several major milestones before the final document is adopted in June 2027.A full rates review is scheduled for June 2026, followed by community consultation. Budgets for the 2027–2037 period are due in August 2026, but the final audit and sign-off of the LTP won’t happen until mid-2027.The next workshop will be held with the Vincent Community Board on Monday at 3pm and will be live-streamed. More workshops for all elected members will take place at the first council meeting of the New Year.The council said these early workshops are designed to start long-term thinking before wider public engagement begins next year. Community input will form a significant part of the drafting process as the district plans for future growth, infrastructure, services and investment.The LTP will set the direction for the next decade, balancing financial pressures, legislative changes and the needs of Central Otago’s communities.

Local Government New Zealand says major resource management changes will need strong funding support to avoid extra pressure on ratepayers.The Government unveiled its new Resource Management system earlier this week, signalling what councils describe as a “fundamentally different” way of working for the country.LGNZ Vice President Rehette Stoltz said councils are ready for long-awaited reform.“New Zealand has been talking about RM change for decades; councils want to get on with delivering it well.”She said the push for more certainty and less red tape is welcome.However, transition arrangements — including extended consents and elements of the new system applying immediately once legislation passes — may take councils by surprise.“The extension of some consents will likely have workforce impacts for councils in the regions.“We need to transition to the new system with care. Local priorities need to be reflected within national frameworks.“We will have opportunities next year to help shape those.“This reform means less local voice and more central direction, which means decisions around trade-offs are largely made at a national level, or through plan making, rather than through consenting.“It’s vital the public are aware that they need to participate in the development of combined plans if communities want to have their say on the outcomes they want in their regions.“The implementation timeframe is rapid and transition and implementation costs will be significant, particularly the development of Regional Combined Plans and their independent hearings process.“LGNZ will be advocating for funding and support to manage these changes effectively, and we’ll be asking the Government to make this a focus in Budget ’26.”LGNZ regional sector chair Dr Deon Swiggs said the reforms will have wide impacts on regional councils.“We know it’s a difficult period for staff and elected members. Regional councils still have a critical job to do for New Zealand.”“Jobs, trade and the economy rely on New Zealand’s natural resources; the work to protect the environment will still need to be done by regional councils until the new system is in place.”Rehette said other policy settings will need amendment to ensure planning reforms deliver real benefits.“Planning reform allows more development but councils still need to provide the infrastructure for those developments. We need new funding and financing tools, like development levies and Infrastructure Funding and Financing Act changes, to service this growth, especially as requirements to free up more land challenge councils' ability to plan.“We welcome new development levies and IFF changes to fund development. Implementing the coalition’s GST sharing on new builds policy is needed to unleash the reform’s full potential,” she said.Fish and Game says key interests of anglers appears weakened under the RMA overhaulMeanwhile, Fish & Game New Zealand said while it welcomes parts of the reform — including the retention of Water Conservation Orders and simpler wetland creation — stronger safeguards are still needed.CEO Corina Jordan said retaining Water Conservation Orders in the new system is a major positive."Water Conservation Orders protect 16 nationally significant water bodies, and Fish & Game has been instrumental in establishing most of these."These orders recognise outstanding values for fishing, hunting, recreation and ecosystem health. Their retention is excellent news for our 300,000 licence holders and all New Zealanders who value these special places."Corina said the organisation supports clearer national direction, simpler planning processes and national standards that may make wetland construction easier."We've been advocating for years to make it easier to create wetlands.”"If national standards enable wetland construction without requiring resource consent, that will be a significant positive step for game bird habitat and broader environmental outcomes."However, she said key interests of anglers and hunters appear weakened under the reform."The Resource Management Act specifically required consideration of trout and salmon habitat, amenity values, and recreational opportunities."These provisions appear to have been removed or significantly diluted, and we're concerned this doesn't reflect the values of our licence holders or the broader New Zealand public who value freshwater recreation."She said Fish & Game will closely examine how environmental limits are implemented under the new framework.Jordan said access is another concern."The Resource Management Act required councils to maintain and enhance public access to lakes, rivers and the coast. The Planning Bill only requires councils to maintain access, removing the obligation to improve it. For hunters and anglers, access to waterways is fundamental."She says local input is essential but must sit within a strong national environmental framework."We believe New Zealand can have healthy freshwater, thriving communities and a prosperous economy. But the legislative framework needs to support all three of these outcomes, not prioritise one over the others."Jordan said Fish & Game will continue engaging as the legislation progresses through Parliament."Our vision is a New Zealand where freshwater habitats and species flourish, hunting and fishing traditions thrive, and all Kiwis enjoy access to sustainable wild fish and game resources,” said Jordan."We'll be working to ensure these reforms support that vision."Have a story to share or comment to make? Contact [email protected] 

A Cromwell Community Board member has taken matters into his own hands, organising a small weeding working bee at one of the town’s state highway roundabouts amid ongoing local frustration over who is responsible for maintaining the site. Wally Sanford spent part of last week pulling weeds at the roundabout on State Highway 6 at the intersection with SH8B, near Cromwell’s main entrance, before encouraging others to join him over the weekend. The roundabout, installed in recent years by the New Zealand Transport Agency (NZTA), has been the subject of increasing online criticism, with residents questioning its untidy appearance as weeds have overtaken the rock garden earlier planted with natives.  Wally said the condition of the roundabout, as well as that of a second roundabout a few hundred metres down the road past the Big Fruit on State Highway 8B, had been bothering him well before the debate escalated on social media. “There is plenty of chat about the roundabouts around town but first and foremost the state of them was frustrating me before the matter hit Facebook,” he said. “Pulling weeds and grass is hands down a more effective approach than emailing and squabbling over whose job it is.” Six people joined the informal working bee on Saturday (December 6), with Wally providing cold drinks for volunteers.  Pisa Moorings resident Wally Sanford weeds the problem roundabout. Image: Facebook/Brett SherriffHe estimated they had completed only a fraction of the work needed. “We have done about 10 per cent of the job to date so a much bigger effort is still needed,” he said. While he planned to continue weeding when he could, Wally said he would not be organising further formal working bees. “If people want to help, they should just go and do it as and when it suits them. 8pm onwards is a great time of day for it,” he said. Questions over the roundabouts’ upkeep stem partly from their location on state highways, generally under the jurisdiction of NZTA rather than the Central Otago District Council. In response to queries from The Central App, an NZTA spokesperson said responsibility for the roundabouts was still being worked through. “We are currently in discussions with other parties about where specific responsibilities rest in relation to these roundabouts,” the spokesperson said. They said NZTA’s immediate focus was on safety rather than appearance. “In the meantime, NZTA has been responding swiftly wherever safety concerns have been raised, such as vegetation interfering with the sight lines/visibility of road users,” the spokesperson said. “In the current constrained fiscal environment, the focus is on safety over amenity.” The roundabout is located at one of Cromwell’s busiest gateways, with traffic flowing between State Highway 6 and State Highway 8B toward Central Otago in one direction and Queenstown Lakes in the other.Have a story to share or comment to make? Contact [email protected]