Later In Life - July 2021

UT TO LIF

IN LIFE

JH16974

O ENTARY PR M A T S E T • RELATION CTION T E L T U O D R A P • Y W IL MPLANNING YOUR Y • FA– Y LIFE • ELDER LA TODIN 2 — A Times Supplement, July 2021 LATER RETIREMENT S IT U EMENTS C C A • P EASwww.times.co.nz W A • A C L E IN K Y • R IL A N L M A C IO ELD • F ONSTRUCT ETTERS ES • JANINE C L L • • IT G E T T IN E A C S B A N O E E R L P VISIONS • F W • CROSS IT TITLES • A N L U E • L • VENDOR S IB W IE C A C N L N E S F A S • N E E S T IN • CAVEAT ENCE • BUS ESIDENTIAL R IG • IL S D E GALBRAITH E G D U A R D G A • T H R T IC R O R U M O CES • • ESTATES • DISTRICT C TECTION • S • O L R R IL P E F W Y S • IL N Y M A T A F ER LAND TR CUSTODY • ING • PROP • C N W A • INCAPACIT A Y L N E Y V IO N IL T O C M C U A F • R • T NS LD LE LAW NCING • CO EAZLEY-FIE E B F I • N O S T N • IO RTS LAW • SUBDIVIS E K R A L C E IN LDING • JAN

Lawyers in the heart of Howick

Re�ring or looking to Re�re?

Our experienced team is here to help you with all your legal needs as you transi�on into the next stage of life.

We can assist with all aspects of Elder Law including:

JH16964

• Re�rement Village / Occupa�on Right Agreements • Residen�al Care Advice • Enduring Powers of A�orney • Wills / Living Wills • Family Loan Documenta�on (Bank of Mum and Dad) • Estate Administra�on Office 1, Howick Village Mall, Central Terrace, Howick Village Phone 0800 Fencible; 533 3539 www.fenciblelaw.co.nz

Right where you belong Available right now.

Our focus is on the retirees of today and tomorrow ...

Te Ara Ahunga Ora Retirement Commission aims to help New Zealanders to retire with confidence. Retiring with confidence means New Zealanders feel secure they’ll have resources to live and the know-how to make ends meet. The Retirement Commission explains

H

ow a country treats its older citizens is a mark of its own maturity. How a country equips its people to approach their later years with positivity and confidence is another marker. And how a country assists its people in hardship yet another.

These are the types of issues that impact on the work of Te Ara Ahunga Ora Retirement Commission, an Autonomous Crown Entity. Te Ara Ahunga Ora is the government’s conduit for discussion and debate on the complex and sometimes divisive approaches to retirement. We bring focus, connections, and in-depth knowledge.

Our work supporting New Zealanders’

financial capability began when we first launched the Sorted website 20 years ago.

Later, the introduction of KiwiSaver became a game-changer and easy online accessibility changed the world.

The Covid-19 pandemic is a stark reminder that economic shocks can be rapid and far-reaching. In times of great change, people want and need trustworthy financial advice more than ever, and Sorted continues to be a highly trusted brand and a valued source of independent information.

Retirement is changing too. We are living longer, often working well past age 65, and some have a good range of options for where and how they want to

Call us now to book your Village tour!

Looking to retire to a place where you belong?

Set in 30 acres of gardens, it’s a secure, friendly neighbourhood with the facilities you would expect in such a well-established village. There is a bowling green, indoor pool, spa, sauna, library, snooker tables and much more.

So if you are looking for a place to park your pride and joy, our standalone and duplex villas come with a lock-up garage!

Call Kate Wynn now on 09 576 5990 to arrange a viewing and find out what Real Living is all about.

realliving.co.nz KC15127

www.times.co.nz

LATER IN LIFE – PLANNING YOUR RETIREMENT

A Times Supplement, July 2021 — 3

Accounting and Taxation Services

KIND CARE FOR THE ELDERLY

PATRO LTD

Does your Mum or Dad need:

Bruce Dobbs

• A companion and carer you can trust?

• Transport and company to the shops or appointments?

• Someone to sit and chat with ... or go for a walk with?

Registered Tax Agent

It costs nothing to give me a call!

My experience and personalised services can save you time, money and frustration on your accounting and taxation matters.

Platinum Care Services Ltd, T/A Kind Care, has the solution And, of course, retirement policy issues overall are more dynamic as the demography of our country changes rapidly. So there is no shortage of work to do.

In a fast-changing world, the best outcome that can be secured for New Zealanders is a stable, intelligent policy environment and focused support for financial capability so people can make the best decisions for themselves.

Our independence and research capability is a key strength in terms of providing New Zealanders with trusted information; we need to bolster our work in providing informed advocacy on retirement-related matters; and ensure effective collaboration so that current and future retirees are served well.

All this activity is aimed to ensure New Zealanders have a good standard of living as they age, both now and in the future, and that we can all one day retire with confidence.

Te Ara Ahunga Ora Retirement Commission

E. patro@xtra.co.nz P. 027 274 9648 W. patroaccounting.com

www.kindcare.co.nz Your Independence Provider

DE0273

DE0326

“Take care of your body and it will take care of you”

Appointments available from 26 July to 26 November 2021

Start your journey to healthy living and book your appointment now with our student practitioners at South Pacific College of Natural Medicine

u FREE visits for seniors (65+) u Consultations fully supervised by qualified naturopaths u Holistic approach

Phone (09) 526 9277 or visit our website www.pauaclinic.co.nz to make an on-line booking DY0383

live. Others – around 15 per cent – arrive at pension age from a life of material hardship.

As the wealth gap has increased over the past 25 years, the issues around NZ Superannuation have become more complex.

Is the pension a benefit or an entitlement? In any case, as discussed in our 2019 Review of Retirement Income Policies, there is clear evidence NZ Super is valued by New Zealanders. We have defined a purpose statement for NZ Super that will contribute to the foundation of future retirement policy.

Retirement villages have become a growth industry. It has been estimated the industry needs to supply around 1800 new units per annum to meet demand over the next 20 years.

The current model relies on peoples’ ability to release equity from accumulated assets: the clear trend toward lower home ownership, and increased mortgage debt at retirement, may impact the current business model.

Phone Judi Prins on 022 0708 861 or email admin@kindcare.co.nz

Hip and Knee Replacements John Mutu-Grigg has been performing hip and knee replacements for more than a decade. He uses start of the art computer navigation systems to make sure every outcome is the best science can achieve.

Choosing a real estate company just became easier Ray White Eastern Group are proud to confirm their ongoing 10% discount on our service fee to SuperGold Card holders.

Talk to one of our local salespeople today.

Botany Town Centre 273 2228 Flat Bush 272 8023 Pakuranga 576 4099 Half Moon Bay 535 8128 Bucklands Beach 535 0858 Howick 538 0688

To make an appointment to discuss your options for living without pain and getting moving again, call

Auckland Orthopaedic Surgeons

Ray White Eastern Group

Five AM Realty Ltd Licensed (REAA 2008)

09 280 3344 JH16955

KC15180

4 — A Times Supplement, July 2021

LATER IN LIFE – PLANNING YOUR RETIREMENT

www.times.co.nz

The Acacia Cove Lifestyle Acacia Cove is a country-style village situated on the beautiful Wattle Downs Peninsula.

For those who appreciate the tranquility of an estuary setting Acacia Cove has it all, as well as its own restaurant, heated indoor pool, library, bowling green and gym.

Whether you choose to live in a villa or one of our luxurious apartments, you’ll have the security of a 24 hour, fully monitored emergency call system built in.

If you’re aged 60 or over, value your independence but want greater security, come and have a look at the superb properties we have to offer.

• Best Ageing Programme at the 2017 Ageing Asia Eldercare Awards • Finalist in the Facility of the Year Independent Seniors Living Category Wattle Farm Road, Wattle Downs, Auckland (09) 268 8522

(09) 268 8422

www.acaciacovevillage.co.nz bruce@acaciacove.co.nz A right to occupy dwelling at Acacia Cove Village is unsecured.

New Zealand New Zealand owned andowned operated. and op SC4141

LATER IN LIFE – PLANNING YOUR RETIREMENT

www.times.co.nz

A Times Supplement, July 2021 — 5

Kiwisaver scheme changes will slash fees, boost savings H

(NZX).

Clark said the Government went to tender last October signalling the need for providers to demonstrate they would go further to deliver more for default members.

“The six default providers were selected because they offer the best value for money for their members in terms of lower fees and higher levels of service.

“We’ve also changed the default provider settings to enhance Kiwis’ financial wellbeing in retirement. This includes moving the default investment fund type

Elderly Assist Ltd

SPECIAL OFFER for Super Gold Card Holders on legal fees for sales & purchases of residential property

from a conservative to a balanced setting to increase the likelihood of higher returns over the long-term.

“To illustrate just how much default members stand to gain, an 18-year-old earning $50,000 a year and contributing three percent of their income to KiwiSaver is estimated to have an extra $143,000 when they reach 65. They will also pay around $3900 less in fees.

“Another enhancement is ensuring default members receive higher service levels from their provider, including

Our specialities include:

10

%

• • • • •

DISCOUNT

Kelly Flavell Law A s s i s ting I n Yo u r Su ccess PROPERTY. COMMERCIAL. FAMILY. TRUST. ESTATES. WILLS. MATRIMONIAL.

R

09 535 2150 JH16040

18 Uxbridge Rd, Howick, Auckland 2014 kellyflavell.co.nz

guidance at key points on their retirement journey to help them with things like selecting the right fund and contribution rate.

“However, if a member wishes to remain with their current provider or in their current fund, they can choose to do so by contacting their KiwiSaver provider,” Clark said.

The Government is also ensuring default funds are invested more responsibly, said Robertson.

“We know many Kiwis care about where their money is invested, so we are excluding any investments in fossil fuel production.

This reflects the Government’s commitment to addressing the impacts of climate change and transitioning to a low-emissions economy.”

Clark said the improvements to the default provider scheme will enhance the financial wellbeing of three million KiwiSaver members, not just those in a default fund.

“We’re sending a clear message to KiwiSaver members that the government believes they deserve much better bang for their buck. Whilst default members will be transferred automatically, any KiwiSaver member will be able to choose to join one of the new default funds that will be available in the coming months.”

Preparing your home for sale Downsizing and decluttering Packing and moving Unpacking and layout assistance Assistance with the sale of furniture and belongings • Estate dispersal

Ph. 0800 839 874

CD1975-V3

undreds of thousands of New Zealanders will be significantly better off in retirement following changes to the default KiwiSaver scheme, Finance Minister Grant Robertson and Commerce and Consumer Affairs Minister David Clark said.

The new default provider arrangements, which will take effect once the terms of the current providers ends on November 30, 2021, mean those joining the scheme at 18 could have an extra $143,000 at retirement through lower fees and higher investment returns.

Around 381,000 members are currently in the default fund they were automatically allocated to when they started a new job, because they did not make any active decisions about their fund.

“The Government wants all New Zealanders to reap the benefits of their KiwiSaver, whether they’re actively engaged in their fund or not. As the 2014-2021 default term comes to an end, we’ve taken the opportunity to enhance the overall benefits of being in a default fund,” Robertson said in the joint media statement in May. On the advice of an independent panel, the number of default providers reduces from nine to six: Bank of New Zealand, Booster, BT Funds Management (Westpac), Kiwi Wealth, Simplicity and Smartshares

Janice Willis

www.elderlyassist.co.nz

Keep your independence... ...with a little help from us.

We’re your friendly community experts on all things related to disability, ageing and maintaining your independence.

0800 625 100 ilsnz.org

JU2008

Howick and Pakuranga Times.pdf

1

16/10/19

11:24 AM

LATER IN LIFE – PLANNING YOUR RETIREMENT

6 — A Times Supplement, July 2021

Call Driving Miss Daisy and Ride with a friend

Budget 2021 – a C+ for many older people?

T

he Grey Power Federation welcomed the inclusion of an aged care commissioner in the Government’s budget release in May and it supports a better service for people who receive Home and Community Support Services (HCSS).

Federation president Jan Pentecost said that, although she had yet to see any details, fair work conditions for support workers can only benefit their older clients.

She said she was hopeful that an aged care commissioner would be able to put right numerous issues related to home care for seniors, particularly as it has long been government policy for older people to live at home, with the necessary help, for as long as possible.

Grey Power has lobbied for many years for a Seniors’ Commissioner who would not only concentrate on services provided in the home and care facilities but would be modelled on the NZ Children’s’ Commission, the Aged Care Commission in Wales and partially the Australian model.

They are all examples of a one-stop shop

C

M

Y

CM

MY

CY

Driving Miss Daisy is a safe, friendly and reliable companion driving service. We will drive and accompany you anywhere you would like to go.

CMY

K

• Let us take care of the traffic and the parking while you relax and enjoy riding with a friend.

• Wheelchair accessible vehicle available.

Total Mobility Scheme provider and ACC registered vendor.

Bookings are essential.

JH0853

To make a booking or to discuss your requirements call us today: 0800 948 432.

Or go to www.drivingmissdaisy.co.nz and enter your home address to find your local daisy.

which we believe is desperately required to comply with the UN’s ‘Principles for Older People.

“With our seniors’ population expected to make up 25 per cent of the population by 2051 we need an effective voice across all senior’s issues, but it does not appear that the budget announcement encompasses this view,” she said.

Pentecost said, “it was disappointing that the free annual doctors’ visit for SuperGold card holders had been ditched.

“This was promised by the last coalition government but was never implemented.”

She said Grey Power had been informed that this policy was not costeffective and would not achieve its aim which the federation had understood to be an annual health warrant of fitness for our older population which would have “coincided with our health policy to prevent illness rather than the ambulanceat-the-bottom-of-the-hill approach.

“In the final analysis there is no mention in the budget of help for vulnerable older people.”

Grey Power The Advocacy Voice for the Over 50s

JOIN US NOW!

Device Drop-in Clinic BEACHLANDS LIBRARY Every Friday 9.30-11.30am 75 Second View Ave, Beachlands

We advocate for seniors’ needs

1st Friday each month 10.30-11.30am Beachlands Library

We also offer: • Access to cheaper power through Grey Power Electricity • Free $2,000 accidental death and dismemberment insurance cover

Legal Clinic

Thu 10.30-11.30am Bookings essen�al Ph 09 576 8331

� � Council

We provide free confiden�al informa�on and�Libraries advice weekly on the Pohutukawa Coast Hgt PlUakl KoretO o TtmaloMakauau

Pakuranga-Eastern Manukau CAB | Phone 576 8331 | Mobile 028 437 2515 www.cab.org.nz | enquiries.pakuranga@cab.org.nz

JU2190

Kote-oo Ttrnwo�

www.times.co.nz

• Discount book for members • Quarterly Association newsletter and Federation magazine • Annual Subscriptions – $20/single or $35/couple

For further details, phone Sandy Feringa (Secretary) 534 9409 or email sandyferinga@xtra.co.nz JH16142

� � Council �Libraries Hgt PlUakl KoretO o TtmaloMakauau

WHAT SHOULD YOU CONSIDER WHEN WRITING YOUR WILL? The law says when someone dies, they have a moral duty to look after certain people in their will. When making a will, consider how your wishes might be viewed after your death and whether your will might be open to challenge. If you want help constructing a fair will that best suits your wishes, contact the team at Wynyard Wood. wynyardwood.co.nz/advice-on-wills

Tel. 09 969 0126

JU2191

Wynyard Wood Times 266x90 2021-07.indd 1

22/07/21 12:50 PM

LATER IN LIFE – PLANNING YOUR RETIREMENT

www.times.co.nz

A Times Supplement, July 2021 — 7 ADVERTORIAL

Sooner is better for big life decisions People shouldn’t leave tough decisions until the last minute, says HBH Senior Living Chief Executive Bonnie Robinson.

accommodation.”

“Grey Power only asks for a fair share and we agree with the Human Rights Commissioner’s comment to us recently that, ‘Each and every one of us deserves the right to thrive’.

“This must include seniors,” Pentecost said.

Senior Move Managers Big Move. Little Worry.

in your head, it’s easier to adjust,” she says.

It’s also a good idea for people to get their legal paperwork sorted early, including an Enduring Power of Attorney (EPA) and an Advance Care Directive, which sets out in advance what treatment people do or do not want in the event of becoming unwell.

“Both documents are a great way to ensure people have control of any future treatment and care,” Bonnie explains.

“And they take the stress off family when making those tough decisions.”

“Incredible change happens in your life when you decide to take control of what you have power over, instead of craving control over what you don’t.” – Anonymous.

A service of Howick Baptist Healthcare Ltd

Phone: 09 538 0800 Web: hbh.org.nz

JH16670A-V2

Pentecost said there were many older people with inadequate income, poor housing and they were suffering from loneliness and loss of independence.

“We have an ageing population, many of whom are living solely on their pension.

They don’t own their own homes so aren’t able to move into a retirement village and can’t pay sky-high market rent for their

“Take control and start planning for ‘I’ll be alright’, rather than ‘she’ll be right’,” she says.

As people get older, they often need to make some big decisions about whether or not they should keep living independently.

A common catalyst is a health issue, but sometimes it’s because life has changed, for example when losing a life partner.

“If you’re aged 70 or older, now is the time to start thinking ahead,” Bonnie says.

“Think about different scenarios and talk about them with your loved ones.

“And be realistic, for example, if you stay at home, can you afford to pay for private care? And how might it impact your family?”

Bonnie says if people do not plan ahead, others may have to make critical decisions for them.

“We see that time and time again,” she says.

“Older people have a fall or get sick, and decisions have to be made really quickly.

“In this situation, they don’t tend to cope as well because they feel that they have lost control of their choices.”

Bonnie says those who have thought about their options beforehand are often better able to cope with change.

“There is still a significant change to come to terms with, but if you already have a plan

With more than 50 years in the optometry business and being an independent, we feel we can offer the most comprehensive range of products available.

A family run business with up to date equipment and well trained staff – we provide an all round experience.

Graham Jenkins

Now you can book online at

www.howickoptometrists.co.nz

94 Picton Street Howick Phone 534 8716 www.howickoptometrists.co.nz JH16973

8 — A Times Supplement, July 2021

LATER IN LIFE – PLANNING YOUR RETIREMENT

www.times.co.nz

NZ’s first Over 40s Fitness Studio Reveals Their Proven Success Formula...

Now in Highland Park

They are known as the over 40’s #1 choice for getting back into shape, losing excess kilos, feeling better, boosting energy levels and regaining lost confidence.

Over 5 years they have already helped many Howick residents do what they thought was impossible… turn their health (...and life) around.

If you are looking for an effective solution specifically tailored for people between 40 and 70 to lose weight and keep it off long-term, get fit & healthy, boost muscle strength and energy levels and regain the lost confidence look no further than The Growing Younger Programme.

In fact when people join the Growing Younger Programme they also report a huge boost in self confidence because they feel 10 years younger than when they started.

If you feel that as the years go by your body is slowing down, getting weaker, joints are getting stiffer and it’s taking longer to get going in the morning, it’s probably not just in your head and it’s not your fault.

Getting the extra weight off now seems to take a lot more effort and careful food planning and painful discipline. Aches and pains become more common and take a lot longer to heal.

Have you caught yourself thinking: “I better do this now because 10 or so years down the track I might be too old?”

You might be looking at your own parents and thinking “I don’t want to end up like that”.

“What the future holds”

If you’re anything like most over-40 people today, realising that your body is not quite the same any more can be daunting. Not being able to fit into your old pair of jeans is frustrating. You start to wonder what the future holds with a high degree of uncertainty. All of a sudden the prospect of getting older hits home hard.

The confidence you used to have as a youngster took a beating over the years and the subject of body image has become very uncomfortable.

The sad thing is that the fitness industry caters mostly for the younger demographic and blatantly ignores the very people who need their help the most.

On top of that with the weight of the world resting on your shoulders... so many expectations, chores, family responsibilities… it’s very hard to find time to attend to your own health.

“But the great news is…”

Luckily, thanks to the new initiative pioneered by two local Howick health professionals, there is an answer: Alex Blazhevskyiy and Gavyn Berntsen have gone through tonnes of the latest medical and scientific research and say that aging doesn’t have to be a scary, miserable experience plagued by deteriorating quality of life, disability and fear.

“The ultimate solution”

That’s why back in 2016 Alex and Gavyn put together a comprehensive health programme with the main focus on helping you do exactly that… slow and reverse the ill-effects of the aging process, feel great again, regain the lost confidence and be proud of your body.

“Proof that it works”

The Growing Younger Programme has evolved over the last 5 years into a predictable, reliable system that delivers results over and over again.

Many, many Growing Younger members lost kilos of excess weight and not only that, they managed to keep it off longterm.

That’s right, no “yo-yo dieting”. You get to keep your weight off long-term.

The team at Growing Younger are happy to help you kick off Photos supplied your Growing Younger journey.

“We have many people who used to hate gyms but they love what we do”

Left, Ian lost over 10 kilos in only 3 months; right, Cara lost over 23 kilos in 5 months and says “I couldn’t have done it without Growing Younger and the very kind and supportive community there.”

And the best thing is that it doesn’t involve any hard dieting or harsh, extreme, bootcamp-style exercises.

To top it all off the Growing Younger Programme received a prestigious Innovation Award at the New Zealand Fitness Awards in November 2020. That just confirms their unique status. In fact, they are the only ones doing what they do in this country.

Gavyn says: “We take full personal responsibility for improving the health of our clients. We don’t just invite you to join and leave you to figure it all out for yourself. We “hold your hand” along the way and ensure that you get results.”

“Many people join a normal gym and after a couple of sessions never return while continuing to pay their gym membership fees and no one ever checks on them. This doesn’t happen with us. We will follow-up with you to ensure you are getting results”.

“We want to see you succeed because your success is our success”.

Just imagine what it would feel like having the energy to get things done again, the youthful vitality and being comfortable in your body...

“How it works”

To be clear, Growing Younger is not a traditional gym.

The programme involves coordinated input in the areas of nutrition, personal training and accountability. On top of that Alex is a physiotherapist who is there to provide guidance with injuries if you have any.

And because the fitness studio is strictly 40+ only you are not going to have to put up with younger individuals playing loud music and making you feel uncomfortable. The Growing Younger environment is 100% secure and supportive.

All you need is to plug yourself into the well-tested system and watch the results materialise.

Alex insists on the “Diagnose first, then prescribe” approach. They listen and understand what your current situation and goals are and tailor-make the programme to suit.

That’s what makes them unique. Alex says that having a 3-level approach – personal training, nutrition and accountability – is what makes the programme work so well.

On top of that your personal trainer regularly reviews each client’s progress to adjust the programme if needed to achieve the maximum result.

Gavyn says not only it will help you look and feel younger – it will help you get healthier and stronger on the inside. He says: “It’s our passion to work with people over 40 and watch their lives transform in front of our eyes”.

Growing Younger members also get full access to their group exercise classes which include Zumba Gold, Pilates, Kettlebell and Yoga.

Entering your golden years should all be about enjoying a well deserved break, spending quality time with your family, kids and grandkids and of course travel. And perhaps even setting an example for them. You should not be limited by aches and pains and frequent health scares.

It makes sense to get in touch with the experts who have gone through book-shelves of medical research and have helped other people feel younger, stronger and fitter.

The Growing Younger facility has just moved from their old location at the Howick RSA to their new office in Highland Park.

Everything from the first enquiry to kick-starting the programme and getting real results the team at Growing Younger has made things as easy and straight-forward as possible. The programme does not involve any gruelling exercises so whatever your current level of fitness is it would make sense to talk to them… however, you do need to be serious about your health.

So if you’re concerned about the state of your declining health and fitness and where your health will be 5 or 10 years down the track, if you want to lose some excess kilos, get stronger, healthier and live longer to be around for your family or simply want to feel more confident about yourself and your body request a FREE no-obligation 20-minute Discovery consult in their new Highland Park office. During this 20-minute consultation we will do some simple health tests and discuss whether the Growing Younger Programme is right for you.

Here’s what to do next!

To get your complimentary Discovery consultation simply call us on this number 0800 001778, email alex@growingyounger.co.nz (place “Discovery consult” in the subject line) or text your name and the word “Discovery” to 021 333476.

Please keep in mind that their current facility has a capacity of a maximum of 150 members. They currently have 97. So there is space for only 53 more. Once they are full, new members will not be accepted until one of the current members leaves the programme.

Staying on top of your health is easy when you have the best support in the fitness industry… someone who is specifically trained to help people over 40 stay functionally fit for years to come. So go ahead request your FREE 20-minute Discovery consultation now to get started. It won’t be long before you start feeling stronger and positive about your future.

JH16967