Wellthwise

🌺 Generational debt

Generational debt isn’t always about the financial debt we leave behind.

Sometimes, it’s the money habits, beliefs and patterns we pass on.

How we manage money today can shape what our children learn tomorrow.

But the cycle can change.

Debt management → financial capability → homeownership → assets → generational wealth.

At Wellthwise, I’m passionate about helping Pacific families build the knowledge, confidence and strategies to create a stronger financial future - for themselves and the generations after them.

🌺 What are we passing on to the next generation?

Book a FREE talanoa with me to start your journey.

🌺 In partnership with P.A.C.I.F.I.C.A. Register below for the FREE Financial Capability workshop series 👇🏾🌺👏🏼

𝐏𝐚𝐬𝐢𝐟𝐢𝐤𝐚 𝐅𝐢𝐧𝐚𝐧𝐜𝐢𝐚𝐥 𝐂𝐚𝐩𝐚𝐛𝐢𝐥𝐢𝐭𝐲 𝐎𝐧𝐥𝐢𝐧𝐞 𝐖𝐨𝐫𝐤𝐬𝐡𝐨𝐩 𝐒𝐞𝐫𝐢𝐞𝐬 (𝐅𝐫𝐞𝐞)

In partnership with Theresa Alaimoana of Wellthwise Pasifika Ltd., and Vice President of the PACIFICA Pacifica Kirikiriroa - Hamilton Branch, we are offering a FREE five-week online programme for all Pacific individuals and families (ages 16 years and over).

Through practical workshops and talanoa, participants will explore budgeting, debt, financial protection, homeownership, KiwiSaver, investing and intergenerational wealth.

The workshops will be held online on Tuesdays from 7.00pm–9.00pm, from 29 September to 27 October. Register for selected workshops or join the full programme, no previous financial knowledge is required.

Please register via the:
▪️Humanitix website: https://events.humanitix.com/pasifika-financial-capability-workshop-online-series-free
▪️or scan the QR code on the poster.

🏡🌺 Congratulations to another Pacific homeowner

It’s not about the size of the family, but the size of their heart, vision and drive. ❤️

It’s been a privilege coaching this family 1-to-1 for the past 2 years - from budgeting debt management, improving their credit scores, building financial confidence, and to a few “declines” from banks to now… homeownership! 🏡🙌🏽

A special thank you to Jennefromdablock Jenny Matano from Vega lend and Grace X Stowers - Property Lawyer for helping bring the homeownership dream across the finish line. 🤝🏽

Super proud of their journey and commitment to the goal.

This is why I believe in doing the work before the mortgage application. Homeownership is not just about getting approved by the bank - it’s about becoming financially ready and confident to sustain the journey. 🌺

Thank you for allowing Wellthwise to be part of your homeownership journey!

Blessings

🌺 Multigenerational property ownership

Could buying a home with your family be an option?

Multigenerational living and property ownership can be a pathway for some families.

Parents, adult children or other family members may consider purchasing together - but there are important financial, legal and lending considerations.

The key is making sure everyone understands:

Who owns what?
Who contributes what?
What happens if circumstances change?

It’s not just about getting the loan approved.

It’s about creating a structure that works for the family.

Thinking about buying property with family?

Send us a message to find out where to begin.

🌺Thinking about buying a home?

Before you start scrolling through houses, start with your finances..

💰 Your income - can you comfortably manage the repayments?

🏦 Your deposit - how much do you have?

📊 Your debt - what are you currently paying off?

🛒 Your spending - what does your lifestyle really cost?

📋 Your financial history - is there anything that could affect borrowing?

🧾 Your buying costs - have you allowed for the costs beyond the purchase price?

👨‍👩‍👧‍👦 Your family & future - what does your family need now and in the years ahead?

Don’t start with the house.
Start with a plan.

📩 Thinking about homeownership and not sure where to start?

Contact us for a FREE talanoa on
0204 733 233.

🌺Homeownership

Do you Need

✔️ A Financial Coach?
✔ A FREE financial capability plan?
✔ The homeownership process simplified?
✔ Clarity on how close you really are?

I help you get clear, confident, and BANK
READY

Your homeownership journey starts with Wellthwise 😊

📞 Contact me: 0204 733 233