With summer here, many of us are taking annual holidays for time with loved ones. Central Otago, with its stunning landscapes and influx of visitors, becomes especially busy during the festive season. Unfortunately, this also coincides with a rise in theft and burglary.According to NZ Police, burglary and theft made up 73% of crime in the Central Otago region in 2024, a reminder that rural areas are not immune to opportunistic crime.With simple signs like overflowing mailboxes, curtains shut for weeks, or a dark house at night, it doesn’t take much to make a home look empty. A few proactive steps before you head away, along with checking your insurance cover, can make all the difference.  1. Secure your place before you goBefore loading up the car or catching that early flight, take a moment to run through a quick home-security checklist:Lock every door, including side and back entrancesClose all windowsSecure sheds, garages, and outbuildingsKeep valuables out of sightReinforce sliding doors with a simple bar or piece of timberEven a small oversight, like a window left slightly open, can make your home vulnerable.Treat this checklist the same way you would your packing list.2. Let whānau or neighbours know you’ll be awayA trusted neighbour is one of Central Otago’s greatest security assets.Let them know the dates you’ll be gone so they can keep an eye out. Small actions go a long way — collecting mail, putting out bins, or parking a car in your driveway can all help your home look lived in. If they do spot anything unusual, it’s always best they call 111 straight away.3. Make the place look lived inBurglars tend to target homes that appear empty. A few simple touches can help:Use timers for indoor lightsLeave curtains slightly openArrange for the lawns to be mowed if you’ll be away a whileKeep the mailbox clearThese small details help your home blend in with the everyday rhythm of the neighbourhood.4. Think about adding a security systemModern systems are easier to use and more affordable than they used to be. Many allow you to check in on your home from your phone, giving you peace of mind no matter where your holiday takes you.Even a basic system with a couple of cameras or sensors can deter unwanted visitors. Some insurers may even offer discounts for approved setups.Summer should be a time to relax, not worry about what’s happening back home. With a bit of preparation, support from neighbours, and the right insurance cover, you can head off knowing your place is in good shape.If you’d like to check whether your current policy still fits your needs, the team at C&R Brokers is always happy to help. Sponsored Content: This article has been submitted by a contributing local expert as part of The Central App’s sponsored advisor programme.

As we launch into a new year, it’s common to set fresh resolutions.We think: “This year, I’ll finally get my finances in order.”But much like gym goals that fade by February, financial plans often lose traction when they feel too big or distant.What if the secret to lasting progress isn’t a dramatic overhaul… but a series of small, sustainable steps - steady habits that build momentum and confidence over time?That’s the core insight from David Booth, founder of Dimensional Fund Advisors. In his recent Kiplinger op-ed, he argues that the most effective strategy is “one small step for your money, one giant leap for retirement.”It’s a mindset that resonates deeply with how we at Central Financial Planning help clients make meaningful and lasting financial progress.Small Steps Make Big ProgressBooth encourages investors to define long-term goals first — like retiring comfortably or supporting family - and then ask a powerful question:“What small step can I take today that brings me closer to that future?”This could be as simple as:Increasing your KiwiSaver contributions by just 1% - For someone earning $70,000, that’s about $13 a week. You might not notice the change, but over time, it could add tens of thousands to your retirement savings.Setting up a monthly automatic transfer of $100 into a separate “travel fund” or “emergency savings” account - building good habits without needing to think about it each time.Reviewing your will or enduring power of attorney - Not exactly exciting, but critical for peace of mind and protecting your loved ones.Booking a financial check-in with your adviser - A quick catch-up can help you see where you stand, where you’re headed, and how to course-correct if needed.These steps may seem small, but as Booth puts it, when compounded over years, they can lead to “a giant leap for your retirement.”Why Big Resolutions Often FailAt the start of the year, bold goals are appealing: “I’ll get everything sorted this year!” But big changes without a clear path often lead to frustration or inaction.Small steps, on the other hand, create positive momentum. They’re easier to stick with, easier to measure, and more likely to build confidence along the way.As Booth says: “The best chance you have to make good decisions is to stick with a plan that can help you reach your destination.”Support Makes All the DifferenceEven the best-laid plans can fall by the wayside without structure and accountability.That’s why having a trusted adviser by your side can be so valuable.Your financial planner won't just give you a plan and leave you to it. They walk the journey with you - helping you:clarify what matters most to you,break big goals into manageable, realistic actions,and adjust course when life inevitably changes.They’re not there to push products or quick fixes. They offer thoughtful, long-term guidance designed to give you confidence, clarity, and control - every step of the way.Start This Year With One Step ForwardForget trying to do it all at once. Just take the next right step. Then the one after that.Here are a few practical small steps you can take this month:Haven’t reviewed your KiwiSaver in years? Book a 30-minute call with your financial planner to check if you’re in the right fund for your age and goals.Have some savings sitting idle? Consider allocating it more strategically to support your retirement income goals.Feeling overwhelmed by paperwork? Pick one thing to tick off - like updating your insurance beneficiaries or consolidating old super accounts.Whatever it is, start small. Then stay consistent.At Central Financial Planning we’re here to walk alongside you every step of the way. If you haven't got a financial planner, contact us today!Sponsored Content: This article has been submitted by a contributing local expert as part of The Central App’s sponsored advisor programme.Disclaimer: This article is for informational purposes only and does not constitute personalised financial advice. Past performance is not a guarantee of future results. Investment and financial planning involve risks, including potential loss of principal.

As the holidays approach, many of us return to families with values that no longer align with our own. Here’s how to spot the legacy culture at play, and shift from silence to 'high accountability' communication.We talk often about “organisational culture,” but less about the culture of the first organisation we ever belong to – our family.Christmas Day can be a high pressure environment. It often reactivates childhood norms that clash with the modern values we now live by. The legacy culture we were raised in may feel increasingly out of step with our present day lives.The legacy of the transactional childhoodFor decades, both businesses and families operated on a transactional model. You were rewarded for staying silent, for performing your role, or for meeting expectations.Harmony was valued over honesty. But in today’s communication landscape, that model is redundant. We’re now shifting toward a more transformational culture – one that values self-awareness, inherent worth, and accountability.The discomfort you feel during the holidays may not be personal. It might just be a Lens Gap – different generations interpreting the same environment through completely different cultural filters. In the workplace, we’d call this a misalignment. In families, we call it Christmas.Tool 1: Strategic disengagement – “Let them”Communications expert Mel Robbins has a powerful framework called the “Let Them” theory. The principle is simple: you cannot control how someone interprets your life. If a relative clings to an outdated version of you, let them. You are not responsible for someone else’s cultural “upskilling.” Your emotional energy is better spent with people who meet you in the present.Tool 2: High accountability communication – “Call it”While we can let people have their opinions, we don’t have to let those opinions pollute the environment. Silence in the face of bias – whether racist, gendered or religious – can act as an unspoken co-signature.One effective technique is the Mirror Question:“What did you say?”“I don’t think I understand the joke – can you explain why that’s funny?”This tactic forces the speaker to hear their own words, stripped of your silence. If it lands awkwardly, that’s theirs to process, not yours to manage.Family audit: legacy or transformational culture?Try this self-check during your next gathering. Are you sitting in a transactional or transformational culture?The Red Flag (Transactional) ----- The Green Flag (Transformational)You edit yourself to keep the peace. ............ You speak openly without fear of retaliation.You are valued for what you do. ............ You are valued for who you are.“That’s how we’ve always done it.” ................ “We’re open to growing together.”“You’re too sensitive.” ................. “Thanks for pointing that out.”Love is conditional on performance .................... Love is constant – it doesn’t need to be earned.If most of your experience falls into the Red Flag column, it’s not just a communication issue, it’s a culture issue. In business, we’d call it a toxic workplace. In a family, we often call it tradition.Three tips for a clearer holiday seasonAudit your boundaries: If the cost of keeping the peace is your integrity, the price is too high.Stop the reward loop: You don’t owe anyone a version of yourself that no longer fits.Be the mirror: Ask reflective questions. Disruption is part of growth.Wishing you a Merry Christmas and a restful holiday period filled with the kind of clarity and connection that feels true to who you are today. May your season be defined by mutual respect, genuine presence, and the courage to be your own best advocate.Disclaimer:This article is shared with the intention of empowering you and providing helpful communication tools for the holidays. However, please remember that these strategies are for general guidance and reflection.Every family dynamic is unique. If you are dealing with deep seated trauma, safety concerns, or relationships that feel overwhelming, please prioritise your own well-being above all else. These tools are meant to support your growth, but they are not a replacement for the personalised care and expertise of a professional therapist or counselor. We encourage you to reach out to a mental health professional if you need a safe space to navigate your specific journey.Support Services Useful Numbers

If summer is not your best trading time, then planning your cash flow is especially important for you. Remember – profit IS NOT the same as cash flow!One of the most important lessons business owners have to learn, often painfully, is that having enough cash flowing through your business regularly is critical.Basically, it doesn’t matter how much money is coming in the future if you don’t have enough money to get through day-to-day now:Employees need their wages on time, regardless of when customers pay.Your landlord doesn’t care that you’re talking to investors and will have the money in a couple of months.Suppliers may not be willing to extend credit, restricting your ability to buy materials or products for your customers.More businesses fail for lack of cash flow than for lack of profit.Why is this? There are two main reasons:Business owners are often unrealistic in predicting their cash flow. They can overestimate income and underestimate expenses.Business owners fail to anticipate a cash shortage and run out of money, forcing them to suspend or cease operations, even though they have active customers.For example, many retailers incur large outflows of cash prior to the Christmas season in order to build inventory. This cash outflow does not constitute a loss. However, a business owner must anticipate and plan to have enough cash on hand to pay vendors or make other finance arrangements in advance. Likewise, companies who experience a drop in business over the Christmas period (e.g. shut down or have seasonality lows) need cash reserves to cover reduced income, to ensure staff receive holiday pay, and the business is able to meet obligations to pay provisional tax and GST (due on 15th January 2026). These points especially apply to service based businesses. So what’s the difference between profitability and cash flow?Profit is the difference between income and expenses. Income is calculated at the time the sale is made, rather than when full payment is received. Likewise, expenses are calculated at the time of purchase, rather than when you pay the bill.Cash flow is the difference between incoming versus outgoing cash. So debtor receipts can make a significant difference, to cover expenses which are needed regardless.Cash flow can also include injections of working capital from investors or debt financing. Balance sheet outflows include GST, tax, inventory purchased, new assets etc. These don’t impact profit but do impact cash.Your accountant can help you improve your upcoming cash positionPreparing accurate cash flow projections on a regular basis is one of the most important things a small business can do – alerting you to potential problems before they arise, and enabling a pro-active not a reactive discussion with your bank when extra funds are needed; a pro-active discussion signals good planning and is much more likely to be met with a favourable response.  All business owners could benefit from cash flow planning. The more you work with your numbers the better you will become in managing your cash flow.Be prepared, and take the cash flow stress out of this summer!  Love to Grow can work with you to model your cash flows, profit and balance sheet for the short term or the next 1-3 years so you can improve your cash, peace of mind and business confidence. Sing out if you would like us to help.Sponsored Content: This article has been submitted by a contributing local expert as part of The Central App’s sponsored advisor programme.

When it comes to selling your home in Central Otago, choosing the right real estate agent can feel like one of the biggest decisions in the process. With so much at stake financially, emotionally, and logistically, sellers often ask a key question: “Should I list with a large multinational real estate company, or work with a smaller boutique or one-person agency?”It’s a fair question, and one many homeowners consider well before they go to market. A lot of the worry comes down to one thing: who can actually get your property in front of the most serious buyers?Here’s a clear, local take.The reality of marketing reach todayNot long ago, big-name brands held a real advantage. They had the prime newspaper spots, the big window displays, and the community recognition that drew early attention.But things have changed.Most buyers now begin their search online — not by walking into an office and not by following a specific brand. The major platforms dominate the New Zealand property market:Trade Me Propertyrealestate.co.nzOneRoofSocial media marketing on Facebook, Instagram, and TikTokGoogle searches for properties in local towns and price rangesWhether you choose a large franchise or a boutique agency, they’re all using the same key online channels. That means reach comes less from the brand logo and more from how your individual campaign is built.Strong marketing today relies on:a high-quality marketing packagestrong property presentationtargeted digital advertisingan agent who actively follows up and engages with every enquiryWhat independents offer vs bigger companiesIndependent or owner-operated agencies can bring some genuine advantages:lower overheads can mean more flexible commission optionspersonalised service directly from the business ownerquick decision making and tailored marketingmore focused attention on your listingPlenty of top-performing agents across New Zealand operate independently. Success usually comes down to experience and strategy rather than scale.So which is best for you?Instead of comparing the size of the company, try asking these practical questions:How strong is the agent’s recent performance in my area?What marketing package do they recommend, and what’s the reasoning?How well do they communicate and negotiate?Can they clearly explain where potential buyers for my home are likely to come from?At the end of the day, sellers choose people — not brands. The right agent should give you confidence, communicate honestly, and shape a marketing plan that reaches the right buyers across Central Otago and beyond.A final wordWhether you go with a global franchise or a small boutique, the most important factor is the same: choose the agent who shows real skill, clear strategy, and genuine commitment to securing the best possible result. Marketing reach isn’t determined by the size of the company, but by the expertise behind your campaign.Sponsored Content: This article has been submitted by a contributing local expert as part of The Central App’s sponsored advisor programme.

Central Otago locals love the long, sun-soaked season here, but rising temperatures are also bringing a higher risk of fast-moving fires across our dry landscape.Hotter summers and longer dry spells are becoming more common across the world, and Central Otago is right at the sharp end of those changes.With more days climbing over 25°C each year, places like the Clutha Valley, Lake Dunstan and the Manuherikia are expected to see some of the biggest increases in heat by the end of the century. That extra warmth might be great for stonefruit, but it also raises the fire danger for homes, lifestyle blocks, and farms. Reduced frost and snowfall in winter also affect water storage and crop resilience, compounding the risks for lifestyle blocks and farms.Dry vegetation, strong nor’westers and limited rainfall all create the perfect conditions for rural fires to take hold – and spread quickly. Understanding how your land, buildings and daily routines may add to that risk is one of the most important steps you can take to protect your home.Three ways to reduce your property’s fire risk this summer1. Know your land and the hazards around youFire and Emergency NZ notes that most rural fires start from preventable causes, so proactive property checks are one of the most reliable ways to protect your home, assets, and livelihood during the peak of summer.Fire risk starts small. Dry grass, leftover firewood piles, fallen branches, rubbish heaps and even a forgotten bottle or piece of broken glass acting like a magnifying glass can all help a fire ignite. Unsecured gas bottles, and flammable liquids are also risks to be aware of. Walk your property regularly and look for anything that could fuel a blaze.Embers can travel more than 2 kilometres, so it’s worth looking beyond just your immediate boundary. Highly flammable trees such as pine, cedar, fir, larch, spruce, eucalyptus, kānuka and mānuka shouldn’t be planted within 10 metres of your home. Keeping vegetation low, clearing debris, and maintaining firebreaks all help slow the spread of fire.2. Have a plan in case a fire breaks outA good plan gives your property a fighting chance.Having multiple hoses ready means you can tackle flames from different angles if a blaze begins. Storing water barrels or tanks around the property adds another layer of protection when pressure drops or access is tight.Make sure your home has a clear, well-maintained safety zone. Irrigated green grass acts as a natural fire break, and Fire and Emergency NZ recommends keeping that area free of anything that could ignite – from stacked firewood to outdoor clutter. If you’re building or renovating, consider fire-resistant materials where you can.If you use heavy machinery, always carry a fire extinguisher. Hot exhaust and dry grass are a dangerous mix, and a small spark can move fast in Central Otago conditions.A quick checklist to keep in mind:Stack firewood well away from the houseClear gutters, decks, and dead vegetationAvoid machinery use near dry grass on hot days3. Understand your cover and protect what mattersFire risk isn’t just a property issue – it’s an insurance one too.Your broker is there to help make sure your sum insured keeps pace with rising building costs so you’re not caught short. They also talk to insurers about the steps you’re already taking to reduce fire risk, which can make a real difference at renewal time.Affordability matters, and brokers work with you to keep your cover sustainable – from negotiating premiums to adjusting excesses or setting up instalment options. The goal is simple: protecting your home, your assets, and the lifestyle you’ve built here without having to compromise on essential cover.However hot this summer gets, taking a few practical steps now helps keep our community safer – and reminds us why Central Otago is a place we’re proud to call home.If you'd like any help, C & R Insurance are here for you. You can call us on 03 448 7139 or check out our website hereSponsored Content: This article has been submitted by a contributing local expert as part of The Central App’s sponsored advisor programme.

It’s that time of year when we all know the team enjoys the opportunity to drop the tools, gather together, and celebrate the end of another busy Central Otago season. But while the vibe might be relaxed, your responsibilities as an employer don’t disappear just because you’re off-site. What employers need to rememberTaking your staff out for a good time should seem like a simple enough task, but a staff party is still “work”. That means your obligations around safety, behaviour, and duty of care remain in place – even if the event is at a restaurant, a vineyard, or a lakeside function venue.A few years back, one company learned this the hard way. They put on a flash night out, opened an unlimited bar tab, and a handful of staff made the most of it. Things went downhill quickly, with behaviour escalating into harassment, assault, and property damage.The employer tried to move straight into disciplinary action, but the staff members challenged the decision – and they were right to. With no policy in place, and the employer footing the bill for the alcohol, it was difficult to prove what the expected standard of behaviour actually was.Why it matters for Central Otago employersHere in Central, businesses are tight-knit, and reputation travels fast. A messy staff event can affect more than just the people involved – it can impact your standing in the community, your relationships with venues, and your team culture.Having clear expectations not only protects your people, it protects your business.What you can do before the party startsSet limits on alcohol Decide what’s reasonable and communicate it clearly.Have a staff function policy Spell out acceptable behaviour, consequences for damage, and expectations at all work-related events.Know when the function officially endsMake it clear when the employer’s responsibility finishes.Plan safe transport home Shuttles, taxis, designated drivers – have a plan to keep everyone safe.If something does go wrong, you still need to run a fair and thorough investigation. But with clear policies and expectations, you’re far less likely to face a long and stressful employment dispute.A local reminderPeople want to feel safe, respected, and looked after – at the Christmas party, as well as every day at work.If you’d like advice on your HR policies or want help setting expectations for your team this festive season, the team at EASI NZ are happy to help. Call 021 665 013 or email [email protected].

As December rolls around, many clients start to wonder: Will my lawyer disappear for weeks during the festive season? It’s a fair question—legal matters don’t pause just because the calendar says “holiday.”The Myth of the Month-Long BreakThere’s a common perception that lawyers shut their doors from mid-December until late January.While it’s true that the legal industry slows down over Christmas, the idea of a full month off is more myth than reality.What Actually HappensCourt Closures: Most courts operate on reduced schedules from late December to early January. This means hearings and filings may be delayed.Office Hours: Many law firms close for a week over Christmas and New Year, but rarely for an entire month. Staff often rotate holidays to ensure someone is available.Urgent Matters: Lawyers remain on call for critical issues—think bail applications, urgent family matter, or time-sensitive commercial deals.Why It Feels Like a Long BreakThe slowdown is partly cultural.Businesses often defer decisions until the new year, and clients may avoid starting new legal processes during the festive season. Combined with public holidays, this creates the impression of a long hiatus.What You Can DoPlan Ahead: If you need legal work done before January, start early.Ask About Availability: Most firms will tell you upfront who’s covering during the break.Use Technology: Many lawyers now offer virtual consultations, even during holiday periods.Bottom LineYour lawyer probably isn’t sipping cocktails on a beach for a month straight.They may take a well-earned break, but most firms ensure continuity for urgent matters. So, while the pace slows, the profession doesn’t completely stop.Checketts McKay Law closes for the Christmas period at 5pm on 23 December 2025 and re-opens on 12 January 2026. Staff are available over the closedown period – please phone 03 440 00125 for assistance.Sponsored Content: This article has been submitted by a contributing local expert as part of The Central App’s sponsored advisor programme. All sponsored stories are reviewed to align with our values of community first, accuracy, and trusted people in our community reporting.

If you’ve been chatting to anyone around Central this week, you’ll know there’s a real buzz about the Reserve Bank’s decision to trim the Official Cash Rate. The .25 cut might seem small on paper, but for many locals it feels like Christmas has arrived a little early.Banks have already started passing on lower mortgage rates, and that means borrowing is set to get a bit easier for families, first-home buyers, and anyone looking to refinance. The shift is expected to steady demand across the housing market and could help lift sales activity heading into 2026. Most economists are calling it the start of a slow, steady recovery rather than a sharp upswing, with employment and consumer confidence still the big swing factors.Why it matters hereHere in Central Otago, the market has already been humming along, and this rate drop could add even more energy. Investors are back out looking, and if the pace of recent enquiry is anything to go by, 2026 is shaping up to be an interesting year. National forecasts put price growth at around 4 percent, but with the region’s growing popularity, Central could well creep into double-digit territory.We’re also seeing a lift in local confidence, with new developments rolling out across Cromwell, Clyde and Alexandra. Plenty of sections are expected to hit the market through 2026, giving buyers more choice than we’ve seen in a while.People here have a long-term view. They’re not expecting a boom, just a stable path upward - and that’s exactly what this rate cut helps support.Details• OCR cut: 0.25• Announced 27 November, flowing through banks now• Expect: Lower mortgage rates, slightly easier lending conditions, more listings over 2026• Where to watch: Major banks’ rate sheets and local real estate updatesEven with a calmer national outlook, Central Otago continues to show its resilience, supported by strong agriculture and tourism. Net migration is softening, but the fundamentals here remain solid.It’s another small reminder of why Central Otago is such a special place to call home.\

When it comes to managing your money - especially as you prepare for or settle into retirement - it’s important to know exactly what kind of guidance you’re receiving.One of the biggest sources of confusion we come across is the difference between a financial adviser and a financial planner. While the titles may sound interchangeable, they often reflect two very different approaches to supporting your financial wellbeing.Advisers: Focused on the ProductsMany financial advisers focus primarily on your investments. Their role is typically to recommend financial products—such as shares, bonds, or managed funds—based on your appetite for risk and your investment goals.Typically they don’t provide guidance across the full spectrum of your financial life. They often won’t help with planning for major life transitions—like retirement lifestyle changes, aged care decisions, or passing wealth to the next generation. Advice on tax efficiency, insurance, KiwiSaver strategies, and estate planning is usually outside their scope. Nor do they tend to offer a long-term plan built around your personal goals and values.That’s the key difference: where advisers manage money, financial planners help you manage your life.Planners: Focused on Your Whole LifeBy contrast, financial planners begin with a very different set of questions:What matters most to you in life?What does your ideal retirement look like?Do you want to keep working, travel more, support your family, or leave a lasting legacy?These questions aren’t about markets or money, they’re about you.A financial planner's role is to help you define what success looks like on your terms, and then design a long-term plan to help you achieve it.That holistic plan includes everything from retirement income strategies to insurance protection, estate and succession planning, tax efficiency, KiwiSaver, and more - along with investments tailored to your specific goals.Evidence-Based Investment ApproachCombining long-term planning with an evidence-based investment philosophy is crucial.Stock picking and market timing are not reliable long-term strategies. A disciplined, evidence- based approach—grounded in broad diversification and long-term consistency—has been shown to deliver more dependable outcomes over time.Working with respected fund managers, a financial planner will build highly diversified portfolios and tilt towards investment factors that research has shown can improve long-term outcomes:Small companies – which historically offer higher growth potential.Value stocks – those priced more attractively compared to their fundamentals.High profitability – favouring businesses with strong and consistent earnings.These are not just theories—they’re backed by decades of academic research and real-world results. These principles help build reliable, resilient portfolios that support your broader life goals.Planning Is a Relationship - Not a TransactionAnother key difference? A financial planner walks with you over time. When markets get choppy, or life throws you a curveball, your planner helps you stay grounded adjusting your plan as needed and keeping you focused on what matters most.A good planner also takes time to understand your behavioural tendencies, helping you avoid decisions that could put your plan at risk during periods of uncertainty.Can You Manage Without a Financial Planner?Yes, you can. But many of our clients tell us they wish they’d come to see us sooner, from a narrow investment-based approach to a comprehensive planning relationship that supports their life in a meaningful way.Before you settle for investment advice, make sure you're getting guidance that truly supports your whole financial life. Here are five questions that can help you find out:Do you advise on more than just my investments? Look for a planner who helps with retirement income, estate planning, insurances, tax, and KiwiSaver too.Will you help me plan for lifestyle changes or long-term goals? A good plan starts with your values—not just your portfolio.Do you offer an evidence-based investment approach? Ask if your adviser uses academic research and diversified strategies—not predictions.How will you help me stay on track during market volatility? Ongoing guidance matters just as much as the initial plan.Do you take time to get to know my personal circumstances and goals? You deserve a plan that fits your life, not a one-size-fits-all solution.Want to Know If You’re Getting the Full Picture?If you're not sure whether your current adviser is giving you the full picture, ask the questions above. Or — have a conversation with our team.At Central Financial Planning, we’re here to provide clarity, confidence, and a strategy that reflects your life—not just your portfolio.We’d love to help you plan with purpose.Sponsored Content: This article has been submitted by a contributing local expert as part of The Central App’s sponsored advisor programme. All sponsored stories are reviewed to align with our values of community first, accuracy, and trusted people in our community reporting.

Around 15–20% of the global population is neurodivergent — that’s not a niche, that’s a vast pool of untapped brilliance.Yet traditional hiring practices still favour the smooth-talking, CV-polished, handshake-perfect candidate. And in doing so, we risk missing out on some of the most focused, creative, loyal, and detail-oriented minds out there.Researchers Dana L. Ott and Miriam Moeller are leading the charge in this space. They co-authored the Autism Employment Playbook, a resource that challenges outdated recruitment norms and offers practical, inclusive strategies for employers. Their work digs deeper into how businesses and organisations can do better — by recognising neurodiversity as an invisible inequality and making inclusion more than a buzzword. Even small accommodations — like offering alternative interview formats or quiet workspaces — can make a massive difference. And when neurodivergent employees thrive, productivity follows. (SAP saved $40 million thanks to a neurodivergent team member’s technical fix. Just saying.)EASI NZ was fortunate to attend a recent HRNZ workshop where the Playbook was presented. It was a powerful reminder that 80% of autistic people in Aotearoa want to work, but only 22% are employed. That’s not a talent gap — that’s a systems gap.Breadth of NeurodivergenceNeurodivergence refers to natural variations in how people think, learn, and process the world. It includes:Autism – differences in social communication, sensory processing, and routinesADHD – challenges with attention, impulsivity, and regulation, often paired with creativity and energyDyslexia – differences in reading, writing, and language processing, often with strong visual or spatial thinkingDyspraxia – motor coordination challenges, often paired with problem-solving strengthsDyscalculia – difficulty with numbers and mathematical concepts, often alongside strong verbal or creative skillsTourette Syndrome – involuntary movements or vocalisations, often alongside high focus and resilienceMany people experience more than one neurodivergence, and each person’s profile is unique.And here’s the key: neurodivergence isn’t something that needs to be fixed. It’s something to be understood, respected, and supported — because difference is not deficiency.In Aotearoa, the Māori word for autism is takiwātanga, meaning “in his or her own time and space.” Coined by linguist Keri Opai, this term offers a mana-enhancing, non-judgmental way to describe autism. It acknowledges that individuals may experience the world differently, and honours the need for space, time, and understanding.Takiwātanga reminds us that inclusion isn’t about fitting people into systems — it’s about shaping systems to fit people.So what can we do?For starters, ditch the one-size-fits-all recruitment process. Shake up the CV obsession. Invite video applications. Better yet, flip the script — include a short video in your job ad showing what it’s actually like to work at your organisation.What’s the culture? Who are the faces? What do you value? Demystify the process. Make it human.Because here’s the thing: kindness and productivity aren’t opposites — they’re teammates. When we build people-centric workplaces that honour difference, we don’t just do the right thing. We do the smart thing.Ready to Rethink Recruitment?If you’re still doing the same-old, same-old with your hiring practices and want to see where you can make meaningful change — get in touch with EASI NZ.We train business owners and managers in what good recruitment really looks like. Recruit well to recruit less, and think more about the loyalty, creativity, and depth that can come from hiring someone with neurodivergence — alongside all the other inclusive values that make a workplace thrive.You can explore the full Autism Employment Playbook here:FINAL_Autism_Employment_Playbook-Printed.pdfand the Simple Language version:FINAL_Autism_Employment_Playbook-_Simple_Language-Printed.pdf — both designed to support understanding and action.Sponsored Content: This article has been submitted by a contributing property expert as part of The Central App’s sponsored advisor programme. All sponsored stories are reviewed to align with our values of community first, accuracy, and trusted people in our community reporting.

Last week at the Elevate Central business breakfast, we hosted the most engaging session - a practical, future-facing kōrero about the balance between Human Intelligence (HI) and Artificial Intelligence (AI).With digital tools evolving fast, we invited Sydney-based strategist Kelly Slessor to help demystify how small businesses can use AI with their people, not on them. And wow, what a session.You may remember the story we ran in January after her last visit Click hereHere’s what we learned (and why it matters for business).It Starts With Mutuality: Build With, Not ForKelly reminded us: the biggest mistake organisations make is skipping the people. When AI systems are designed in a vacuum, without input from frontline staff or customers, they often fall flat.Simple shift: Co-create your AI tools with the team who will use them. Trust builds adoption.Try this: Choose one task (like writing product descriptions). Invite two staff to design prompts. Log learnings over 2 weeks. Share what works.Culture First: Mindset Before MachinesTech anxiety is real. That’s why culture, not tools, makes or breaks AI adoption.Kelly recommends starting with confidence-building rituals, not technical manuals.Small habits = big shifts.Try this: Begin team meetings with a 3-minute share: “What AI helped me do this week.” It’s low-stakes and builds momentum.Go Slow to Go SmartDon’t automate everything all at once.Start with one customer journey, like sending follow-up emails after an abandoned cart, and keep human oversight in place until you’re confident.Try this: Draft AI-generated emails, and require manual approval for the first 50 sends. Review performance and tone.What This Means for Central Otago BusinessesHere’s what stood out most for our region:Small is smart: Start tidy. You don’t need a transformation, just a trial.People first: Confidence trumps capability when getting started.Context is king: Businesses need tools that respect our pace, connectivity, and seasonality.Measure learning: Track what your team learns, not just how fast they type.Thanks for Being ThereTo everyone who showed up, asked bold questions, and shared your fears and ideas, thank you. And a huge shoutout to Kelly Slessor for sparking such rich conversations.Want to explore this further with your team? Reach out here and we’ll send you Kelly’s four-pillar PDF model.Be informed. Be confident. Be local.Sponsored Content: This article has been submitted by a contributing expert as part of The Central App’s sponsored advisor programme. All sponsored stories are reviewed to align with our values of community first, accuracy, and trusted people in our community reporting.

In New Zealand, having a legally valid and current will is one of the most important steps you can take to protect your loved ones and ensure your wishes are respected after your death. Despite its significance, many people either delay making a will or forget to update it as life changes. This oversight can lead to unintended consequences, legal complications, financial reverberations and emotional stress for surviving family members.What Is a Will?A will is a legal document that outlines how your assets—such as property, money, and personal belongings—should be distributed after your death. It also allows you to:Appoint guardians for minor childrenName an executor to manage your estateExpress your wishes for funeral arrangementsWho Should Have a Will?In short, every person over the age of 18 years. You may not consider that your assets reach the threshold to justify creating a Will, however you probably have more than what you think. Almost all estates we deal with for persons under the age of 65 will likely involve Kiwisaver funds.Why Is It So Important?1. Avoiding Intestacy and Government ControlIf you die without a valid will (known as dying "intestate"), your estate is distributed according to the Administration Act 1969, which may not reflect your personal wishes. In some cases, your assets could even end up with the government if no eligible relatives are found.2. Protecting Your Loved OnesA will ensures that your spouse, children, and other dependents are provided for in the way you intend. Without one, blended families and stepchildren may face complex legal hurdles or be excluded entirely from inheritance.3. Appointing Guardians for ChildrenFor parents of young children, a will is crucial for nominating guardians. Without this, the Family Court decides who will care for your children, which may not align with your values or family dynamics.4. Minimising Disputes and DelaysA clear, legally valid will helps prevent family disputes and reduces the risk of claims under the Family Protection Act 1955. It also streamlines the probate process, saving time and legal costs.5. Tax and Asset PlanningProper estate planning through a will can help minimise tax liabilities and ensure that more of your estate goes to your chosen beneficiaries rather than to legal fees or taxes.Why Keeping Your Will Up to Date MattersLife changes—such as marriage, divorce, the birth of children or grandchildren, acquiring new assets, or relocating—can all affect how your estate should be distributed. In New Zealand, marriage automatically revokes a previous will, unless the will was made in contemplation of that marriage. Divorce invalidates provisions related to your ex-partner, but separation does not. As life changes, so should your will.When Should You Review Your Will?The New Zealand Law Society recommends reviewing your will:Every five yearsAfter major life events (e.g., marriage, divorce, birth of a child, death of a beneficiary)When acquiring or disposing of significant assetsIf you wish to change your executor or guardiansFinal ThoughtsCreating and maintaining an up-to-date will is not just a legal formality—it’s a powerful act of care and responsibility. It ensures your legacy is honoured, your loved ones are protected, and your estate is managed according to your values. Whether your assets are modest or substantial, a well-crafted will provides peace of mind and clarity during one of life’s most difficult transitions.If you don’t yet have a will, or haven’t updated yours recently, now is the time to speak with a lawyer. At Checketts McKay we can assist with all your estate planning needs. Get in touch with one of our lawyers who can create a Will which is tailored specifically to meet your needs. It’s one of the most important documents you’ll ever create.Sponsored Content: This article has been submitted by a contributing property expert as part of The Central App’s sponsored advisor programme. All sponsored stories are reviewed to align with our values of community first, accuracy, and trusted people in our community reporting.

As we welcome the longer days and warmer weather, it's a good time to reflect on how markets have performed over the past quarter – and what it all might mean for your financial plan.Share Markets March AheadGlobal share markets continued their steady climb through the third quarter of 2025. This upward trend was largely fuelled by:Optimism around interest rate cuts by major central banks,Excitement about artificial intelligence (AI) and related tech companies,And some political and regulatory headlines that briefly unsettled markets.Notably, the US Federal Reserve kicked off its rate-cutting cycle with a 0.25% reduction, giving bond markets a lift. Meanwhile, tech giants like Nvidia and Alphabet (Google’s parent) led the charge in US share performance.A Gentle Reminder About ‘Recency Bias’With so much media focus on big-name US companies, it’s easy to think they’re the only investment story in town. But this can lead to something called recency bias — where we assume recent trends (like strong tech returns) will keep going indefinitely.It’s a helpful time to remember that over longer periods, smaller companies in the US have often delivered stronger returns than their larger counterparts. The lesson? Keep a long-term, diversified perspective.NZ Outlook: Some Tailwinds AheadHere at home, the Reserve Bank of New Zealand made two significant rate cuts this quarter, bringing the Official Cash Rate down to 2.5%. This is the lowest it’s been in more than three years, and it’s a move designed to support our slowing economy.While economic growth has been patchy — especially following COVID disruptions and high inflation — these lower rates are expected to support borrowing, business activity and, in time, job creation.Tariffs & Trade Tensions: What to WatchOne of the key international developments is the US government’s evolving tariff policy. These trade taxes are aimed at protecting US industries but can also drive up costs and impact global supply chains.With legal challenges now underway in the US Supreme Court, we’ll be watching closely. While these decisions may feel far away, they can influence New Zealand businesses and markets in subtle but important ways.Safe Haven Assets: Pros & PitfallsAssets like gold, cash and US Treasury bonds often attract attention during times of market uncertainty. They’re called "safe havens" because they tend to hold their value when share markets wobble.But here’s the catch: timing entry and exit from these assets can be tricky. It’s often better to ride through market storms with a well-diversified portfolio than to switch out in a panic — and miss the recovery.Standout Performers This QuarterEmerging Markets led the pack with a +16.6% gain, thanks to strong performances in China, South Korea, and Latin America.International Shares returned +7.5% (hedged to NZD), driven by tech strength and progress in US trade deals.New Zealand Shares were up +5.8%, with smaller companies performing especially well.Bonds also delivered modest gains, helped by falling interest rates in NZ and the US.Final Thoughts: Staying the CourseOver the past 20 years, global shares have risen in more than 75% of all quarters, delivering nearly 10% annually despite global crises, recessions, and political upheaval. It’s a powerful reminder of the rewards for those who stay the course.Yes, unexpected events will keep happening. But sticking with a clear, evidence-based financial plan — and avoiding emotional decisions — remains the best approach.Need Help Navigating Your Plan?If you’re wondering how recent market changes affect your investment strategy or retirement planning, we’re here to help. The team at Central Financial Planning — Brent Wilson, Dewald de Beer and Scott Sinclair — are just a phone call or email away.Let’s keep your plan on track, together.Call: 03 448 8613Email: [email protected]

As heavy rain, strong winds and flooding continue to affect parts of Central, many households and rural properties are assessing damage caused by the storm.If you’ve been impacted, here are three helpful steps to keep you and your property safe, and to support a smoother recovery process.1.People come firstCheck yourself and those around you are safe. That includes your neighbours, especially if they live alone or have limited mobility. Avoid unnecessary travel while strong winds or flooding are ongoing.In an emergency, always call 111.2.Check your propertyOnce it’s safe to do so, carefully inspect your home or buildings for damage.Look for signs of structural movement, broken items, or hazards related to gas, electricity, or water.Farm and lifestyle block owners should take extra care with chemicals, sheds, and fencing.If you have the equipment and ability to secure loose items or prevent further damage, go ahead , but make sure you take photos or video first. These will be useful for any insurance assessment.Avoid throwing away anything that might be part of a claim until it’s been reviewed.3.Document the damagePhotos and video are essential to show the extent of any damage, what steps you’ve taken to clean up, and help get your insurance claim underway quickly.Add a description if possible, even simple voice notes can help.This article was provided by C&R Insurance as part of their commitment to supporting clients across Central Otago before, during and after major weather events.

More Kiwis are finding the courage to seek help thanks to grassroots initiatives promoting open conversations around wellbeing. Mental health is a vital part of overall wellbeing, yet many people hesitate to seek help. In New Zealand, initiatives like MentalHunts are reducing stigma and making support more accessible, particularly in communities where asking for help has traditionally been challenging.Why Mental Health MattersMental health shapes how we think, feel, and respond to life’s challenges. It influences how we handle stress, connect with others, and make decisions. Prioritising mental health is as important as caring for physical health.Simple daily habits—like getting enough sleep, staying active, eating well, and maintaining social connections—can make a meaningful difference in overall wellbeing.Introducing MentalHuntsMentalHunts is a New Zealand initiative focused on promoting mental health awareness, especially among hunters and firearm users. The organisation was founded after Glen Thurston experienced challenges accessing mental health support without risking his firearms licence.MentalHunts works to create a safe environment where individuals can seek help without fear of judgement or consequences.The platform provides a range of resources, including counselling services, online support groups, and educational materials. Central to their approach is community connection—linking people with shared experiences to foster recovery and understanding.By encouraging open conversation, MentalHunts helps normalise seeking help.Addressing StigmaA major barrier to mental health care is stigma. Many people worry that disclosing struggles could affect their personal or professional lives.For hunters and firearm owners, this fear can extend to losing access to their licences. MentalHunts collaborates with organisations such as the Firearms Safety Authority and community associations to ensure that seeking help does not compromise individual rights.Their efforts demonstrate that it is possible to prioritise mental health while maintaining other responsibilities and interests.Seeking Support Is StrengthAsking for help is a sign of strength, not weakness. Mental health professionals—including counsellors, therapists, and peer support networks—offer guidance tailored to individual needs.Whether facing stress, anxiety, depression, or other challenges, reaching out can be life-changing.In New Zealand, support is readily available. MentalHunts provides a central hub connecting people with local services, while organisations such as the Mental Health Foundation NZ offer helplines and information around the clock.These services ensure that anyone struggling can access help quickly and safely.Building a Supportive CommunityCreating a society where mental health is openly discussed benefits everyone. Supporting initiatives like MentalHunts, encouraging open conversations, and fostering understanding all help reduce barriers and ensure individuals feel safe seeking help when they need it.If you or someone you know is experiencing mental health challenges, support is available. Taking that first step—reaching out—is an important part of healing.Resources: MentalHunts NZ – counselling, support groups, and resources. Mental Health Foundation NZ – 24/7 helpline and information.Sponsored content: This article was submitted by a contributing insurance advisor as part of The Central App’s sponsored advisor programme. All sponsored stories are reviewed to ensure they align with our community-first values of accuracy, trust, and local expertise.

Significant changes to New Zealand’s Resource Management Act (RMA) now apply, increasing fines, removing insurance cover for penalties, and raising compliance expectations for businesses from August 21, 2025.The Resource Management (Consenting and Other System Changes) Amendment Act 2025 aims to speed up consenting, strengthen compliance, and simplify processes across housing, infrastructure, and primary industries. It received Royal assent on August 20, 2025, and came into force the following day.Key changes that affect local operationsHigher fines: Individuals now face penalties of up to $1 million, while companies or trusts can be fined up to $10 million.Insurance limits: From August 20, 2025, RMA fines and infringement fees cannot be insured — even if the offence occurred earlier but the fine is imposed after that date.Still covered: Defence costs for legal and technical experts, and Court-ordered remediation, remain insurable under Statutory Liability policies.Court process: All RMA prosecutions are now judge-alone, and the maximum imprisonment term for individuals has reduced to 18 months.What this means for your businessThese changes raise the bar for compliance and accountability.Financial exposure is now greater because RMA fines must be paid directly by the organisation. Councils and regulators have been given stronger enforcement powers, meaning expectations around risk management and environmental performance are higher than ever.Insurance remains a vital safeguard — specialist defence and remediation costs can easily exceed the fine itself in complex cases.Recommended actionsC&R Insurance Advisors recommend businesses:Review RMA exposure across people, plant, contractors, discharges, and consents.Update response plans, including communication steps, evidence preservation, and council engagement.Check your Statutory Liability cover to ensure defence and remediation limits reflect current risks.Contact your advisor if you have an ongoing RMA matter so they can liaise with insurers and ensure alignment.In summaryThe RMA amendments bring sharper penalties but also clearer expectations. For local businesses, preparation and proactive compliance are key to avoiding costly enforcement.For independent advice or a review of your cover settings, talk to your insurance advisor.Sponsored content: This article was submitted by a contributing insurance advisor as part of The Central App’s sponsored advisor programme. All sponsored stories are reviewed to ensure they align with our community-first values of accuracy, trust, and local expertise.

As visitors return to cycle trails and vineyards, the local property market is also shifting into gear.Spring in Central Otago is more than just blossoms and blue skies — it marks a busy season for both tourism and real estate.Thousands arrive for events like the Alexandra Blossom Festival, while warm weather boosts foot traffic on the Lake Dunstan Trail, Clyde–Alexandra river paths, and at Bannockburn cellardoors.Tourism operators say the seasonal lift impacts more than bookings.“When people fall in love with the region during a spring visit, they start to imagine living here,” said local property consultant Peter Hishon.Tourism flow drives real estate interestData from local agents shows a direct link between tourism highs and increased property enquiries.Key spring trends this year include:Out-of-town buyers seeking lifestyle blocks near Cromwell, Clyde or Alexandra.Empty nesters listing larger homes as they look to downsize.Investors returning to the short-term rental market in response to rising visitor numbers.Spring also provides a more attractive backdrop for home listings, gardens bloom, days are longer and buyer competition tends to peak.Timing matters for both buyers and sellersFor buyers, spring is a fast-moving season.Get finance pre-approved early, especially in high demand areas like Clyde.Check current zoning under Plan Change 19 before making offers.Weekday viewings often mean less competition and more agent time.For sellers, presentation is key.Spruce up gardens and maximise street appeal.Consider listing early to catch peak buyer demand.Highlight lifestyle features such as nearby trails or scenic views.“A tidy outdoor space and clever timing can make all the difference in securing top offers,” Hishon said.A lifestyle led marketReal estate in Central Otago isn’t just about properties, it’s about the lifestyle that comes with them.Many who buy here first arrive as visitors. A spring cycling trip or wine tour can spark dreams of relocation.Homes close to trails, vineyards, or lakes remain top of the list, particularly for those seeking a slower pace and stronger connection to community.As tourism ramps up, the ripple effect into real estate is clear. For those considering buying or selling this spring, timing and presentation will be key.Sponsored Content: This article has been submitted by a contributing property expert as part of The Central App’s sponsored advisor programme. All sponsored stories are reviewed to align with our values of clarity, accuracy, and community value.

Inflation doesn’t knock on the door—it slowly seeps in and quietly reshapes your future. Over time, even modest increases in the cost of living can significantly reduce the purchasing power of your savings. And yet, many people—especially those nearing retirement—continue to rely on tools that feel safe, but may not be fit for purpose when it comes to long-term wealth preservation.The Illusion of Safety in Cash and Term DepositsTerm deposits and traditional savings accounts are often seen as low-risk, conservative options. And in the short term, they may be exactly that: stable, predictable, and easily accessible.But when you look through the lens of long-term planning, they start to lose their shine.At current rates—typically around 4%—term deposits may not even keep up with inflation. What seems like a return is often just a slow erosion of value. While your balance goes up, your ability to buy goods, travel, or cover future healthcare costs might quietly diminish.The real challenge is that this erosion isn’t visible. You don’t see red figures on your statement like you would with shares or property fluctuations. But that doesn’t mean it’s not happening.The Risk of Falling ShortFor retirees, or those approaching retirement, this matters greatly.When your income needs extend 20, 30, even 40 years into the future, relying on tools that don’t grow in real terms can increase your risk of running out of money—or needing to scale back your lifestyle far earlier than expected.It's not just about returns—it’s about resilience. If your plan can’t withstand rising living costs, market dips, or unexpected expenses, it may not be a plan at all.Using the Right Tools for the JobJust like you wouldn’t use a butter knife to cut through timber, you shouldn’t rely on cash-based tools to do the heavy lifting in your long-term financial plan.That’s where inflation-aware investments come into play:Growth assets like shares can offer strong long-term returns and help outpace inflation.Inflation-linked bonds adjust for rising prices and provide more stability.Real assets—such as property or infrastructure—often generate income that increases with inflation.Diversified portfolios bring these elements together, offering a balanced approach that adapts across timeframes.But here's the question we encourage you to reflect on:Do you have the time, tools, and expertise to assess how each of these investments behave in different environments?Do you understand the risks and trade-offs?Can you model how these assets interact with your lifestyle goals?Are you confident that your current plan will work in both calm and stormy markets?Financial freedom doesn’t come from guessing—it comes from knowing. It’s about using the right tools, in the right proportions, at the right time.A Plan Built for the Future You WantAt Central Financial Planning, we believe your retirement strategy should do more than help you “not run out of money.” It should help you live the life you want—with confidence, clarity, and the flexibility to adjust as life evolves.That means:✔ Making sure your savings are not just growing—but growing in real terms✔ Aligning your portfolio with your personal goals and timeframes✔ Testing your plan against inflation, volatility, and longevity✔ Ensuring your strategy supports your lifestyle now, and a legacy later (if that’s part of your vision)Final ThoughtInflation is a fact of life. But how you respond to it is a choice.If you're unsure whether your current plan can go the distance—or if you’d simply like a second opinion—we’re here to help. Our job is to bring clarity to complexity, and help you use the right tools to protect what you’ve built.Get in touch with Central Financial PlanningWe’ll help you plan well, so you can live fully.