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.

Spring in Central Otago is more than blossoms and blue skies — it’s the season when both tourism and real estate kick into gear. As visitors return to enjoy cycling trails, wineries, and spring events, the local property market also comes alive. If you’re considering buying or selling in Central Otago, now is the time to pay attention.Why spring matters for tourism in Central OtagoTourism operators consistently see an uptick in spring. The Alexandra Blossom Festival draws thousands of visitors, while the Lake Dunstan Trail, Clyde–Alexandra river tracks, and Bannockburn wineries see a sharp rise in foot traffic. For businesses, this means:Accommodation demand grows as visitors stay longer weekends.Food and beverage spend increases with more outdoor dining and wine releases.Event-driven tourism adds a boost for September and October.This seasonal influx isn’t just good for tourism businesses — it fuels interest in the region as a place to live or invest.How spring impacts the Central Otago property marketTraditionally, spring is when more homes are listed, and buyer activity ramps up. In Central Otago, there are three clear trends this year:Lifestyle property demand is strong – Out-of-town buyers are looking for small blocks of land near Clyde, Cromwell, and Alexandra, often combining remote work with lifestyle living.Downsizing locals are listing – Empty nesters are using the season to prepare their larger family homes for sale, making way for younger families.Investors are active again – With tourism picking up, short-term rental opportunities in Cromwell and Clyde are back on the radar.For sellers, spring is the perfect time to market property — gardens look better, days are longer, and buyer competition is higher.Practical tips for buyers and sellersFor Buyers:Do your homework early – Properties in Clyde and Cromwell especially move fast in spring. Have finance pre-approved.Check zoning rules – Plan Change 19 has impacted on most parts of Central Otago, check out your zoning before you purchase.Look at off-peak opportunities – Visit during weekdays to avoid competition and get more time with agents.For Sellers:Maximise street appeal – Spring blossoms and tidy gardens add value. A small investment in landscaping pays off.Time your listing – Early spring often brings the most competition among buyers, but late spring captures pre-Christmas movers.Highlight lifestyle features – Proximity to cycle trails, vineyards, or mountain views sells strongly to out-of-town buyers.Tourism and real estate: The linkMany property buyers first experience Central Otago as tourists. A weekend cycling the Dunstan Trail or a spring wine tour often sparks interest in living here. That’s why strong tourism seasons directly support the property market.Real estate in Central Otago isn’t just about houses — it’s about lifestyle. Buyers want homes that connect them to the same experiences visitors are seeking: trails, views, community, and a slower pace of life.Spring is a turning point for Central Otago. Tourism operators prepare for the busy season, and the property market gets its biggest push of the year. If you’re thinking of selling, now’s the time to list. If you’re a buyer, be ready — the best properties don’t sit on the market long.

The future of business growth may depend on the courage of its leaders and the ability to think across traditional boundaries.As business environments evolve rapidly, many organisations, especially small and medium enterprises (SMEs) and large corporations are discovering how much they can learn from each other.Blending strengthsSMEs are often nimble, creative, and able to pivot quickly. Corporates, by contrast, benefit from scale, established systems, and long term planning. The opportunity lies in finding a middle ground.Businesses that can ‘cross pollinate’, meaning combining the agility of a start-up with the strategic discipline of a corporate, are better placed to innovate and grow.SMEs risk being reactive and under resourced, while corporates may become bogged down in bureaucracy. A blend of both cultures allows for responsive yet sustainable growth.A new kind of leader?The modern business environment calls for leaders willing to evolve, not just their products, but also their people. Courageous leadership includes:Letting go of the “command and control” mindsetEncouraging team collaboration over individualismLinking research and technology directly to innovationWithout bold thinking at the top, organisations risk stagnation. Familiar examples such as Kodak and Blockbuster illustrate what can happen when leaders assume disruption won't affect them.Front line thinking matters tooLeadership alone isn’t enough. The businesses best equipped for the future will empower all levels of their team, especially the front line, to solve problems in real time.In the past, efficiency meant following instructions. Today, it means taking initiative, thinking like owners, and adding value on the spot. This requires training, trust, and a supportive culture.As Apple put it: “We hire people to tell us what to do, not the other way around.”And while Steve Jobs’ quote “We wouldn’t need you if we didn’t have problems to solve” may sound blunt, the point remains: problem solving frees up leaders to be courageous.It’s this kind of blended, collaborative leadership that could define the next wave of business success.

Last month, Parliament passed the Employment Relations (Employee Remuneration Disclosure) Amendment Act, introducing new rules around pay transparency. In simple terms, employers can no longer take disciplinary action against an employee for discussing their pay or asking about someone else’s. This applies even if the Employment Agreement contains a pay secrecy clause. This brings New Zealand in line with countries such as Australia and is aimed at reducing unfair pay gaps — particularly those affecting women, Māori, Pasifika, and other groups at higher risk of pay inequities.  What Does This Mean in Practice? Personal Grievances A new ground for raising a personal grievance has been created: “adverse conduct for a remuneration disclosure.” In other words, if an employee is treated unfairly because they discussed pay, they may have a valid claim. This could include: Dismissal or constructive dismissal Withholding of benefits, promotions, or training opportunities Comparably unfavourable terms  Any action that disadvantages the employee Employment Agreements While you can still include pay secrecy clauses, they are not enforceable. Any attempt to enforce them could expose you to legal risk. Voluntary Disclosure Neither employees nor employers are required to disclose pay. The law simply protects employees from being penalised if they choose to discuss it.  What Should Employers Do? You don’t have to take immediate action, but there are some smart steps worth considering: 1. Back Your Pay Rates Assume employees will talk about what they earn. If you had to defend your pay decisions, could you? Rates should align with the role and the individual’s skills. Now is a good time to audit pay across your team: Are similar roles paid fairly? Have recent hires disrupted internal equity? Do you have clear reasons behind differentials? If things look out of balance, address it proactively. If they are fair, be ready to articulate why. 2. Rethink Pay Secrecy Clauses Ask yourself: why keep a clause that is unenforceable? Retaining it can undermine trust and create a culture of fear. Instead, build confidence by setting rates you can stand behind. 3. Build Transparency into Your Pay Structures Consider ways to make pay processes clearer and more consistent: Do you have pay bands for each role? What objective criteria guide pay increases? Is there a ceiling for certain roles? These structures can take the heat out of pay conversations and set clear expectations.  How EASI NZ Can Help At EASI NZ, we help employers design roles and systems that make performance measurable and pay decisions defensible. From clear job outcomes and robust review processes to practical paperwork, we’ll support you to: Audit and balance pay rates, Build structures that promote fairness, Create an environment where pay conversations can happen openly and confidently. That way, employee discussions about remuneration become something you can welcome — not fear. 

Uber has officially launched in Alexandra, bringing more options for food delivery and rideshare services across Central Otago. Whether you're excited about convenient meal delivery or considering driving for Uber or Uber Eats to earn some extra income, it’s important to understand what it means for your vehicle insurance.Thinking About Driving for Uber in Alexandra?While signing up to drive for Uber or other rideshare platforms is relatively straightforward, many drivers are unaware that standard car insurance often doesn’t cover commercial use. Most private policies state your car is only insured for “private or domestic purposes.” That means if you’re delivering meals or transporting passengers for money, you may not be covered in the event of an accident.The Risk of Being UninsuredWithout the right coverage, a simple fender-bender could become a costly mistake. Even worse, misleading your insurer (even unintentionally) could result in denied claims or policy cancellation.Protect Your Vehicle, Protect YourselfUpgrading your insurance to include business or commercial use is usually simple—and it’s a small cost compared to the financial risks of being uninsured. It’s one of the smartest steps you can take to safeguard yourself and one of your most valuable assets.While Uber sets requirements to protect its platform and users, those requirements don’t always protect you.If you’re unsure whether your policy covers rideshare or delivery work, get in touch — we’ll make sure your insurance is working just as hard as you are.

If you’ve ever needed to sign an international document, you might have heard the term Notary Public thrown around. But what exactly is a Notary Public, and why does it matter that CM Law can now offer this service? We’ve got some exciting news: Kirsten Knights, Director at Checketts McKay Law (CM Law), has recently been appointed as a Notary Public — and that opens up a new level of convenience and capability for our clients across Central Otago and beyond.Let’s break it down. What is a Notary Public?A Legal Witness with International AuthorityA Notary Public in New Zealand is a lawyer authorised by the Archbishop of Canterbury (yes, that’s in the UK — it’s a very old tradition) to officially witness signatures, certify documents, and verify identities for use outside New Zealand. In short, a Notary Public acts as a bridge between our legal system and the rest of the world.What Does a Notary Public Actually Do?Here are a few things a Notary Public can help with:Witnessing signatures on powers of attorney, affidavits, or statutory declarations for use overseasCertifying copies of official documents like passports, birth certificates, or academic recordsVerifying identity for international business or legal transactionsPreparing Notarial Certificates that confirm a document is authenticFacilitating Apostille or Authentication processes for use in countries that require additional verificationIf you're dealing with foreign banks, embassies, courts, or universities, chances are you’ll need a Notary at some point. Kirsten Knights – Your Local Notary Public in Central OtagoWe’re proud to announce that Kirsten Knights, Director at CM Law, has recently been appointed as a Notary Public. With this new designation, CM Law now offers in-house Notary services — meaning you no longer need to travel to Dunedin or Queenstown to get documents notarised. It’s one more way we’re working to make life easier for our clients. What This Means for You1. No More Long DrivesCentral Otago has long needed more accessible Notary services. With Kirsten now authorised, you can save time and money by staying local.2. Peace of MindAs both a senior lawyer and a Notary Public, Kirsten ensures that your documentation is handled with precision and in compliance with international standards.3. Faster TurnaroundsBecause the Notary services are in-house, you don’t have to wait for referrals or delays — we’ll get you sorted quickly and correctly. Who Needs Notary Services?International travellers, students, investors, business owners, or anyone dealing with offshore authorities. If you’re:Applying for a job overseasBuying or selling property abroadStudying at a foreign universityDealing with offshore trusts or companiesHandling an overseas estate…you’ll likely need something notarised. Why Choose CM Law for Notary Services?At CM Law, we’re more than just legal experts — we’re part of your community. With over a century of trusted service in Central Otago, we’re known for:Clear communicationTailored solutionsTrusted expertiseDeep local rootsAdding notarial services just makes sense. It’s another cog in the machine that helps our region run smoothly — and it aligns with our vision to be your first choice for legal support in Central Otago. How to Book a Notary AppointmentIt’s simple:Call your local CM Law officeLet us know what you need notarisedBring along valid photo ID and any original documentsWe’ll take care of the rest In ConclusionHaving a Notary Public on the team at CM Law means we can offer even more comprehensive legal services — all under one roof, close to home. Whether you're sealing a deal abroad or applying for an international opportunity, we’re here to help make the paperwork pain-free.Notarising your documents doesn’t have to be a hassle. Now, it’s just another thing CM Law can take care of — professionally, locally, and efficiently. FAQs About Notary Services at CM LawQ: Can anyone at CM Law notarise documents?No, only Kirsten Knights is authorised as a Notary Public. However, our wider team can support the process by helping prepare your documents for notarisation.Q: Do I need an appointment?Yes, it’s best to book ahead to ensure Kirsten is available, especially if you have time-sensitive documents. Some documents require Kirsten to verify them with the issuer and this can take some time.Q: What should I bring to the appointment?Bring a valid passport or NZ driver licence, the original document, and any instructions from the receiving country (if applicable).Q: How much does it cost?Fees vary depending on the type of notarisation required. We’re happy to provide a quote over the phone or via email.Q: Can CM Law arrange Apostilles or further authentication?Yes, we can assist you in submitting documents to the Department of Internal Affairs for Apostille or Authentication, where needed.

Despite geopolitical unrest, rising tariffs, and economic uncertainty, global share markets hit record highs in Q2 2025 — and the message for investors is clear: diversification and discipline still work.In this Winter Economic Update from Central Financial Planning, we explore the paradox of strong markets amidst tough headlines. From Middle East conflict to US trade upheaval, markets proved resilient, underlining the power of staying invested.Global markets defy the noiseThe Trump administration’s "Liberation Day" tariff announcements shook markets early in the quarter, but a delayed rollout gave investors time to refocus. Emerging markets and tech-led developed markets rebounded strongly, while oil prices stabilised despite tensions in the Middle East.New Zealand: Recovery with cautionGDP growth picked up earlier this year but lost momentum in the June quarter. Job ads and house prices softened, while the Reserve Bank maintained interest rates at 3.25% — with the possibility of further cuts. Still, the NZX50 saw modest gains, led by standout performers like Manawa Energy and Tourism Holdings.Timing the market? Think againData from nearly a century of US share market returns shows one timeless truth: trying to time the market rarely works. Whether the prior year was up or down, the following year's average return hovered between 11% and 13%. The takeaway? Invest early, and stay the course.The magic of managed fundsWhy do we advocate for diversified managed funds? Simple. You don’t have to pick winners — you own them by default. Over 20 years, the S&P/NZX 50 rose 327%, but the median stock in that index barely beat inflation. Managed funds give you global exposure, automatic rebalancing, and peace of mind — all at low cost.Final thought:In uncertain times, having a long-term plan and staying invested in well-diversified portfolios remains the most reliable path to building wealth. At Central Financial Planning, that’s exactly what we help our clients do — and nearly every one of them tells us, “I wish I had done this sooner.”

As the colder months settle in, so do the seasonal bugs—coughs, colds, flu, and COVID. With more time spent indoors and in close contact, workplaces become prime environments for illness to spread. And while a few sniffles might seem harmless, the impact on productivity, morale, and business continuity can be significant.  The real cost of sickness According to the latest Umbrella Wellbeing Report, illness is costing New Zealand businesses an estimated $46.6 billion annually, or around $2,000 per employee per month. That’s not just a hit to the bottom line—it’s a wake-up call for employers to take proactive steps in supporting workplace health. WorkSafe NZ also reports that work-related ill-health leads to 5,000–6,000 hospitalisations and 750–900 deaths annually, with a social cost of at least $2 billion each year.Lead by example: Stay home if you’re sick One of the most effective ways to prevent the spread of illness is also the simplest: stay home when you’re sick. Leaders set the tone—if you show up unwell, others may feel pressured to do the same. Make it clear that using sick leave is not only acceptable but encouraged. This includes caring for sick dependants. Early rest and recovery help prevent wider outbreaks and keep the team functioning smoothly. Flexibility is key Remote work has become a valuable tool in managing health-related disruptions. If feasible, allow employees to work from home while recovering or caring for someone ill. But be mindful—sometimes rest is more productive than pushing through. Consider the nature of the illness, the employee’s role, and their ability to maintain quality and output. Open communication and a flexible approach go a long way in balancing wellbeing and performance. Create a health-conscious workplace The hygiene habits we adopted during the pandemic still apply. Regular cleaning—especially in high-touch areas like shared desks, bathrooms, and kitchens—remains essential. Provide hand sanitiser and ensure handwashing facilities are stocked and accessible. Good ventilation is also key: open windows, use air purifiers, or take meetings outside when possible. If you're hosting events or meetings, think about the space.  Are you cramming too many people into a small room? Is there adequate airflow? Consider alternatives like hybrid formats or smaller group sessions to reduce risk. Encourage preventative measures Support your team in accessing flu vaccinations and other immunisations. According to the Ministry of Health, providing seasonal flu shots can significantly reduce absenteeism and protect vulnerable staff. Promote awareness around basic hygiene—covering coughs and sneezes, staying home when unwell, and respecting others’ space.

Whether you’re selling your family home in Alexandra, a holiday hideaway in Clyde, or that special slice of lifestyle land outside Cromwell, one decision will make all the difference: Choosing the right real estate agent.It’s not just about who has the flashiest sign on the main street. Here in Central Otago, where properties are as unique as the people who own them, you want someone who knows the market inside out, understands our communities, and can guide you through every step with honesty and skill.Here’s what to look for.1. Local knowledge is goldCentral Otago’s property market isn’t just “the market”, it’s a patchwork of micro-markets. Cromwell buyers aren’t always after the same thing as those in Roxburgh or Bannockburn. A good agent understands the seasonal shifts, the quirks of different towns, and how to talk about your property in a way that speaks to the right buyers.Tip: Ask your potential agent about recent sales in your area. If they can tell you which homes sold, for how much, and why, you’ve found someone tuned in.2. A track record that speaks for itselfDon’t be shy about asking for results. How many properties have they sold in the last year? What was their average time on market? Did they sell above, at, or below the asking price?In a region where word-of-mouth counts for a lot, a proven history of happy clients is worth its weight in gold.3. Marketing that goes beyond the basicsIn Central Otago, your buyer might be just down the road… or living in Auckland dreaming of making the move. That means you need an agent who can market locally and nationally, combining online platforms, digital reach (ask your agent to explain this) as many can vary in reach, professional photography, social media, and print in the right mix.Watch out for: Agents who rely on the same cookie-cutter listing format for every home. Your place isn’t “just another listing” — it’s someone’s future home or dream project.4. Straight talk (and good listening)Selling a property can be emotional — especially if it’s been in the family for years. You want someone who listens, asks the right questions, and gives you clear, honest advice (even when it’s not what you want to hear).The best agents know when to push for the best deal and when to protect a seller from an offer that just doesn’t make sense.5. The right fit for youYou’ll be working closely with your agent, so you need to trust them and feel comfortable. If you feel pressured, brushed off, or like they’re just chasing the commission, move on.Some agents will try to gain your business by over stating the value, do your own homework and don't be led astray, this can become a costly mistake on a falling market, or worse still your property becomes very stale as the months go by without a sale.Sometimes the best way to choose is simply to ask yourself: "Would I trust this person to sell my own family’s home?"Final thoughtsHere in Central Otago, real estate is about more than just transactions, it’s about people, stories, and communities. The right agent will not only get you the best possible result but make the whole process feel a lot less stressful.Do your homework, ask questions, and trust your gut. The perfect agent for your property is out there — and when you find them, you’ll know.

Dismissals are never easy—for either party. But under New Zealand law, there’s one scenario where employers can lawfully end a new employment relationship without the risk of a personal grievance for unjustified dismissal: the 90-day trial period.As of 23 December 2023, any New Zealand employer, regardless of size, can include a 90-day trial clause in their employment agreements. If this clause is valid and correctly applied, employers may dismiss an employee within the first 90 calendar days without having to justify the decision or worry about a personal grievance for unjustified dismissal.But there’s a catch: one legal misstep and the protection disappears. What is the 90-day trial period?The 90-day trial period is designed to give employers a chance to assess a new hire’s fit without full commitment. It’s particularly helpful where interviews alone don’t paint the full picture, especially in industries or regions where every hire carries financial or operational weight.Employers can dismiss during the trial period without giving reasons, but the clause must comply with very specific legal conditions. It's not a "free pass" it's a tool with limits. When is a trial period clause legally valid?To rely on a trial clause, employers must get the process right from the beginning. The key legal requirements are:The clause must be in writing, in the employment agreement.The agreement must be signed by the employee before any work begins. Even a few minutes of unpaid work before signing will invalidate the clause.The employee must be genuinely new to the business. Prior casual work or previous employment with the same employer disqualifies them.The clause must state that the trial period is for up to 90 days, and clearly explain that dismissal during that period may occur without the ability to bring a personal grievance for unjustified dismissal.The employee must be given a reasonable opportunity to review the agreement and encouraged to seek independent advice.Failure to meet any of these conditions means the clause cannot be relied upon, and a dismissed employee may lodge a grievance for unjustified dismissal. Why is this clause allowed? What’s the purpose?The trial period is intended to reduce the risk of hiring mistakes, especially for small or regional businesses where a poor hire could have outsized consequences.For example, a local business in Cromwell might need to hire quickly, but won’t know until the employee starts whether they’re a good fit. The trial period offers flexibility and encourages more open hiring, even of those without conventional experience or credentials.However, trial periods aren’t without criticism. Some worry they can be used to exploit workers or sidestep fair process. That’s why the law imposes strict rules and insists that employers still act in good faith, even if they don’t have to justify a dismissal. How does dismissal work during a trial period?While no justification is required, employers must still give notice of dismissal, and that notice must be:Given within the 90-day period (not on day 91 or later); andIn line with the employment agreement, or, if unspecified, “reasonable” (usually one to two weeks).Even though there’s no legal obligation to explain why the employee is being dismissed, employers must still act respectfully and fairly, consistent with their duty of good faith. Are dismissals under the trial period legally binding?Yes. Provided the clause is valid and the dismissal process meets legal standards. When the requirements are met, the dismissal cannot be challenged as unjustified.But any slip-up like failing to provide proper notice or signing the agreement after work begins, invalidates the clause. In that case, the employee gains full protection and can bring a personal grievance. What rights do employees still have?The 90-day trial period only blocks grievances for unjustified dismissal. Employees still retain the right to bring personal grievances on other grounds, including:Discrimination (e.g. race, gender, disability, pregnancy)Sexual or racial harassmentUnjustified disadvantage (e.g. bullying or systemic mistreatment)Union-related retaliation or pressureBreach of contract, such as failure to give proper notice or access to a support person during meetingsTwo notable cases demonstrate this:In McClelland v Schindler Lifts NZ, an employee with a hand tremor was dismissed during the trial period. The court ruled the dismissal discriminatory, and therefore unlawful.In Farrelly v Advance Office Products, a worker dismissed due to a stutter was similarly found to have been treated unlawfully.In both cases, the trial clause did not shield the employer from liability. What happens if the trial clause is invalid?If a trial clause is found to be invalid, any dismissal under it is treated like a regular termination. The employee may then bring a personal grievance for unjustified dismissal.Common reasons a clause might fail include:The agreement was signed after work began.The trial period was not clearly stated or explained.The employee had previously worked for the employer.Proper notice of dismissal was not given.In these cases, an employee may be entitled to reinstatement or financial compensation. Final thoughts: What employers and employees need to knowThe 90-day trial period is a powerful tool when used correctly but it must be applied with care.Employers should ensure that their contracts are watertight and their processes meticulous. Good faith remains essential, and one administrative slip can open the door to legal exposure.Employees, even during a trial period, still have significant rights. If you suspect you’ve been dismissed unfairly or unlawfully, it’s worth seeking legal advice.At Checketts McKay Law, we regularly help businesses and individuals across Central Otago understand and navigate the 90-day trial period. Whether you're onboarding new staff, reviewing your employment agreements, or facing an unexpected dismissal—we're here to help. FAQs: 90-Day Trial Period ExplainedCan I be dismissed without reason during the trial period?Yes, but only if the clause is valid and all legal steps have been followed.Does my employer need to explain the dismissal?No, but they must give proper notice and act in good faith.What if I signed the contract after starting work?The clause is automatically invalid, and you’re protected under normal employment law.Can I be dismissed for being pregnant or having a disability?No. That would breach the Human Rights Act, and you may have grounds for a grievance.Is a trial period suitable for all jobs?Not necessarily. For high-skill or fixed-term roles, other arrangements may be more appropriate. Checketts McKay Law – Works for You.Proudly serving Cromwell, Alexandra, Ranfurly, Wanaka, and beyond. Whether you're drafting an employment agreement or challenging a dismissal, we’re ready to help you unpack the problem and adapt the solution.

Human Resources (HR) and Health & Safety (H&S) haven’t always been best mates. HR is often busy wrangling contracts, recruitment, and culture-building, while the safety team is out in the yard running toolbox talks and chasing reports. But here’s the kicker: under New Zealand’s Health and Safety at Work Act 2015 (HSWA), these two functions are most definitely on the same team.So, let’s unpack where HR and H&S intersect, pull up a seat at the same lunch table, and, more importantly, look at how they can work better together.Mental health and wellbeingHSWA defines health as both physical and mental, meaning psychosocial risks (stress, bullying, fatigue) fall squarely into H&S territory. But who handles that in most businesses? HR.This is where the partnership matters. HR might roll out an Employee Assistance Programme (EAP), but without risk assessments around workload, unrealistic KPIs, or toxic leadership, it’s just treating the symptoms. Safety professionals bring the structure: hazard identification, risk management, and controls. Together, HR and H&S can design safer, healthier work from the outset.Employment agreements & health and safety dutiesEvery employment agreement in NZ must include a section on health and safety responsibilities. Why? Because every worker, manager, and officer has duties under HSWA, and these need to be clearly understood from day one.If your employment agreements are silent on safety, you’re missing a chance to set expectations early. Onboarding isn’t just about showing new staff where the coffee machine is, it’s about making sure they understand how they contribute to a safe working environment. HR sets the tone, and H&S backs it up with systems and processes.Performance management & safetyHere’s where things can get tricky. Say someone keeps ignoring a critical safety procedure, what happens? HR gets involved, usually with a performance management lens. But under HSWA, ignoring known safety protocols isn’t just poor behaviour, it could be reckless conduct.HR and H&S need to work together here. Is it a competency issue? A training gap? Or a wilful breach? A joined-up approach ensures the response is fair, legally sound, and proportionate.Why the intersection mattersWhen HR and H&S work in silos, things fall through the cracks. Stress goes unreported. Training gets missed. High-risk behaviour gets handled like a simple HR issue instead of the safety red flag it is.But when they work together?Investigations are more thorough.Inductions are smarter.Culture is stronger.And ultimately? People go home safe and retire healthy.So HR and H&S, slide your trays down to the same end of the lunch table. When you work together, it’s not just the business that wins. It’s the people.For independent advice in the areas of HR and Health & Safety, contact our Business Partners today.

The 28th of August is coming up fast, and if you’re a business owner, that likely means provisional tax is on your radar.For some, it’s just another item on the calendar. For others, it can trigger a bit of a cash flow juggle, especially if paired with a winter slowdown. So, let’s take a moment to unpack your options and help you decide what’s right for your business.First up: What is provisional tax?In a nutshell, provisional tax is income tax paid in advance, in instalments, rather than as one big lump at the end of the year.You’ll need to pay it if your residual income tax from your most recent return was over $5,000. This generally includes:Self-employed incomeRental incomeContractor or freelancer incomeBusiness income from partnershipsOverseas incomeOr even one-off lumps sums that didn’t have the right amount of tax deducted (like from bonuses or employee share schemes)So, if your latest filed tax return showed you owed more than $5,000, then this 28 August kicks off your 2026 provisional tax year.Option 1: Pay now, in line with IRD expectationsFor many, the simplest option is to pay what IRD expects, based on your last return + 5%. If your income this year is tracking similarly (or up), this makes sense. It keeps your tax tidy and avoids use-of-money interest or penalties.But (and it’s a big but) what if this year is shaping up differently?Option 2: Adjust or delay using tax poolingMaybe business is slower this winter, or you're holding off until a busy summer season to generate real income.Instead of overpaying now, you can pay less based on your expected actual profit, but with that comes the risk of IRD’s higher interest rate later if you underpay.That’s where tax pooling comes in.Tax pooling lets you pay an intermediary instead of the IRD directly, and they’ll hold the funds in trust until you need them transferred. That means:You can still have the payment counted as “on time” by IRDYou stay compliantYou get flexibility with your cash, especially if it’s better used gearing up for summer growth. You pay interest, at a rate which is lower than IRD’s cost of penalties + interestTax pooling is especially handy if you are experiencing first year or high growth, or you need a way to manage the overall cost of IRD penalties + interest.But let’s be real: Delaying without a plan can backfireWe’ve seen it happen. Deferring tax now only to hit a wall later ( often in a year’s time), when other payments pile up. It sounds appealing and is easy to get into, harder to get out of. Paying on time doesn’t cost interest, tax pooling does.  So if you're considering tax pooling or underpaying, make sure you've got:A clear picture of your year-to-date earningsSolid cash flow forecasts for the next 6-18 months so you know you can get out of it, it is a temporary cash flow solutionA specific cash flow plan to settle the balance so it doesn’t become a burdenBecause putting it off without a plan would cause more stress than it saves. The latest date you could pay the August 2025 instalment would be June 2027. So although that may sound appealing, the interest cost can really add up. It works very well for businesses which have a high seasonal element.Is your cash flow summer-ready?If you’re in a seasonal business, you might already be preparing for a summer uplift, ordering stock, hiring staff, investing in systems.Paying provisional tax now might tie up funds you need for growth but ignoring it entirely could trip you up later.This is also the time to check in with your bank. Do you have support lined up for seasonal cash flow? Could you renegotiate a facility to help smooth the bumps?Smart growth means knowing your runway, not just your sales.So what should you do?There’s no one-size-fits-all here. For most, paying tax now is definitely the right move. For others, allowing the delayed benefits of tax pooling creates some breathing room, needed for your business to recover.Before making any call, ask:Are your 2026 earnings tracking ahead, behind, or flat compared to last year?What’s your real cash flow position right now?Do you have a plan to catch up if you pay less or delay?Have you discussed cash flow options with an advisor who knows exactly how this works and what is best for you within IRD’s rules and your ability to pay. Tax pooling is good idea sometimes. Certainly not always.And if you're not sure, now’s the time to talk to your accountant or adviser.Final wordAugust provisional tax isn’t just about ticking a box, it’s about making sure your business is on the front foot, with enough cash to move forward safely and sustainably.Because real growth doesn’t come from reacting to tax bills. It comes from making smart, informed decisions based on your full financial picture.Want to talk through what’s right for your situation? We’re happy to have a no-obligation chat, whether you’re ready to pay on time, or thinking of delaying payment via tax pooling, or just need a second opinion / sounding board for your business circumstances.Love to you, from Love to Grow.

Thinking about selling your home but not sure if winter is the right time? Don’t rule it out just yet. In Central Otago, winter can actually be one of the best times to list your property, and here’s why.1. Less competition means more eyes on your propertyWinter typically sees fewer homes on the market, which means your listing won’t be lost in the crowd. Serious buyers are still out there and often more motivated.Many are looking to buy quickly so they can move in before spring or summer.2. Central Otago looks magic in winterSnow-capped ranges, bluebird skies, and quiet, scenic vineyards… Central Otago really knows how to show off in the colder months. Let cosy features like fireplaces, double glazing, and quality insulation take centre stage this winter, it's the perfect time to highlight the warmth and comfort your home offers.3. Winter buyers are thinking aheadMany winter buyers want to secure a home now and move later, whether it's to beat the spring rush, get ahead of interest rate changes, or plan around the school year.It's also a key time for investors who are on the lookout before the traditional spring upswing.4. Create a feel-good first impressionIn winter, it's not just about what a home looks like. It’s how it feels.Warm lighting, heating, and thoughtful staging can make your home feel like a welcoming retreat. Buyers will imagine themselves relaxing by the fire or coming home to comfort on a frosty day.“Recently, on a newly renovated older home in Alexandra, we had professional staging done as the home was empty, creating a cosy, welcoming feel that suits the season; the results were outstanding, our owner was delighted, and the sale price was $25,000 above expectations on a tough market.”5. Show off year-round valueHighlight how your home performs no matter the season.Talk about efficient heating, sun-soaked living spaces, and frost-smart landscaping. Features like reduced condensation, well-placed insulation, and sunny winter mornings are a real bonus.6. Sell the Central Otago lifestyleThis region isn’t just about property, it’s about lifestyle.Think nearby ski fields, wine trails, snow-dusted walks, and winter festivals like the Clyde Wine & Food Harvest or the Alexandra Blossom Festival (just around the corner).Many buyers are searching for a holiday base or a lifestyle change, and winter is when they start dreaming.7. Digital-first buyers are active nowShorter days and cooler weather mean more time spent browsing online.Make your listing stand out with strong, engaging visuals.For example, we use our new Digital Reach Campaign (already performing better than online platforms) for:Quality professional photographyA walk-through video or virtual tourA description that sells the lifestyle, not just the specs. Help buyers see the full pictureHelp buyers see the full picture.Yes, it’s winter, but many are already picturing spring.Talk up the garden, fruit trees, sunny outdoor spots, and summer potential. If there’s land or lifestyle appeal, show how it works year-round.Ready to sell this winter?If you're considering selling in Central Otago, now could be the perfect time. A well-presented home with strong digital marketing and messaging can stand out even more in winter – and I’d be happy to help you make the most of it.Let’s chat and get your home in front of the right buyers, right now.