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The Financial Planning Puzzle

Money rarely falls apart because of one big mistake. It usually drifts, quietly, through small decisions that never get lined up. We’re joined by Luke Hodgson from Harness Financial to pull back the curtain on what a financial planner actually does, how financial planning works in real life, and why it feels so hard for capable people to “get money sorted” when they’re busy living.

We talk through the full financial planning puzzle: KiwiSaver, insurance, mortgages, emergency savings, investing, and the personal goals that sit underneath it all. Luke explains how the best plans start with the…

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