Wellthwise

🌺 Session 5 — OUR FINAL SESSION!

We’ve reached the final session of our Pasifika Financial Capability Workshop Online Series, and what a journey it has been! 💛

Join us for one last talanoa as we bring together everything we’ve explored and look ahead to building a stronger financial future for ourselves and our families.

This session is about looking beyond today’s finances and thinking about the bigger picture — building wealth, creating opportunities and laying the foundations for future generations.

We’ll explore:

🌱 KiwiSaver and investing
🌱 Understanding assets and growing wealth
🌱 Moving beyond budgeting towards long-term financial goals
🌱 Building a financial legacy for our families and future generations

We’re grateful to have Carys Chalmers, Client Services Manager at Naked Finance, joining us alongside Theresa Alaimoana, Founder and Director of Wellthwise, for this final session.

📅 Tuesday 27 October
⏰ 7:00 PM – 9:00 PM
💻 Online via Zoom
🎟️ FREE — everyone is welcome!

👉 Register here: https://events.humanitix.com/pasifika-financial-capability-workshop-online-series-free

📩 For more information, contact [email protected]

As we close this series, our hope is that every participant leaves feeling more informed, more confident and better equipped to make financial decisions that support their family’s future.

Because financial wellbeing is about more than making ends meet today. It’s about creating opportunities, building security and leaving something meaningful for the generations that follow. 🌺💛

Come and join us for our final talanoa. We look forward to seeing you there!

𝐑𝐞𝐚𝐝𝐲 𝐭𝐨 𝐭𝐚𝐤𝐞 𝐭𝐡𝐞 𝐧𝐞𝐱𝐭 𝐬𝐭𝐞𝐩 𝐭𝐨𝐰𝐚𝐫𝐝𝐬 𝐛𝐮𝐢𝐥𝐝𝐢𝐧𝐠 𝐚 𝐛𝐫𝐢𝐠𝐡𝐭𝐞𝐫 𝐟𝐢𝐧𝐚𝐧𝐜𝐢𝐚𝐥 𝐟𝐮𝐭𝐮𝐫𝐞 𝐟𝐨𝐫 𝐲𝐨𝐮 𝐚𝐧𝐝 𝐲𝐨𝐮𝐫 𝐟𝐚𝐦𝐢𝐥𝐲?

Join us for the final Session of the Pasifika Financial Capability Workshop Online Series!

Learn how to move beyond budgeting and start thinking about long-term wealth. Explore KiwiSaver, investing, and beginner-friendly ways to grow your money and build assets. Discover how wealth can be built across generations and how the financial decisions you make today can create greater opportunities for your family tomorrow.

Featuring our amazing speakers:
🌺 Carys Chalmers — Client Services Manager, Naked Finance
🌺 Theresa Alaimoana — Founder and Director, Wellthwise

📅 Tuesday 27 October
⏰ 7:00 PM – 9:00 PM
💻 Online via Zoom
🎟️ FREE - register here: https://events.humanitix.com/pasifika-financial-capability-workshop-online-series-free

For more information, please contact: [email protected]

🌺 Small Businesses

Before You Sign That Shop Lease, Stop and Check Your Numbers. 🏪📊

Starting a business is exciting. Finding the right shop, securing a location and bringing your vision to life can feel like a huge achievement. But before you sign that commercial lease or commit to a business contract, ask yourself one important question:

Can my business afford to STAY open -not just OPEN?

A shop lease is a serious financial commitment. Rent, bond, fit-out costs, utilities, insurance, wages, stock and other operating expenses can quickly add up.

Your business still needs to cover these costs during quieter weeks and months when sales are lower than expected.

This is especially important for new businesses that have not yet established a consistent income.

Before signing, please consider these important steps:

✅ Get your numbers right. Work with a financial professional to prepare a realistic business budget and cash-flow forecast. Understand how much you need to sell each week or month just to break even.

✅ Have a financial buffer. Set aside enough working capital to help cover operating expenses during the early stages, unexpected costs or slower trading periods. Spending every dollar on opening day may push you back behind the start line!

✅ Understand the full commitment. Know your rent, outgoings, rent increases, lease term, personal guarantees, renewal conditions and potential costs of exiting the lease early.

✅ Seek independent legal advice. Before signing, have a lawyer experienced in commercial leasing review the agreement and explain your obligations, risks and options in language you understand.

✅ Do not let emotion or pressure make the decision for you. Ask questions, request time to review documents and seek professional advice.

🤝 WHO CAN HELP YOU WITH UNDERSTANDING YOUR NUMBERS?

You do not have to figure everything out alone.

1. The Generator – Free + Seed Funding

The Generator offers an MSD-funded business coaching programme to eligible participants. Business coaching can help you assess your business idea, strengthen your business plan and better understand the financial commitments involved in starting or growing your business.

2. Money Talks – Free Budgeting Support

📞 0800 345 123

Connect with Money Talks to complete a budget and understand your current financial position. This is a useful starting point for working out what you can realistically afford to commit to before taking on new business expenses.

3. An Accountant or Qualified Financial Professional (Get a couple of quotes)

Ask for a business budget, cash-flow forecast and break-even analysis. These can help you test whether your projected sales will cover your expenses and how much working capital you may need.

4. An Independent Commercial Property Lawyer (Get a couple of quotes)

Get independent legal advice on the lease before signing. It may save you $1000’s

Remember: you do not have to sign today just because someone wants an answer today.

A good business decision is not just about securing the premises. It is about ensuring you have the financial capacity to sustain the business after the excitement of opening day has passed.

Your dream deserves a plan.
Your family’s financial wellbeing deserves protection, and your business deserves the best possible chance to survive and thrive.

Plan before you commit.
Protect your cash flow.
Protect your wellbeing.

🌺Session # 4: Homeownership

FREE to register. All are welcome.

Encourage your young people to come along too. It’s for the whole aiga.

𝐃𝐫𝐞𝐚𝐦𝐢𝐧𝐠 𝐨𝐟 𝐨𝐰𝐧𝐢𝐧𝐠 𝐲𝐨𝐮𝐫 𝐨𝐰𝐧 𝐡𝐨𝐦𝐞? 𝐋𝐞𝐭’𝐬 𝐞𝐱𝐩𝐥𝐨𝐫𝐞 𝐰𝐡𝐚𝐭 𝐲𝐨𝐮𝐫 𝐩𝐚𝐭𝐡𝐰𝐚𝐲 𝐜𝐨𝐮𝐥𝐝 𝐥𝐨𝐨𝐤 𝐥𝐢𝐤𝐞!

Join PACIFICA Inc. and Wellthwise Pasifika for 𝐒𝐞𝐬𝐬𝐢𝐨𝐧 𝟒 𝐨𝐟 𝐨𝐮𝐫 𝐅𝐑𝐄𝐄 𝐏𝐚𝐬𝐢𝐟𝐢𝐤𝐚 𝐅𝐢𝐧𝐚𝐧𝐜𝐢𝐚𝐥 𝐂𝐚𝐩𝐚𝐛𝐢𝐥𝐢𝐭𝐲 𝐖𝐨𝐫𝐤𝐬𝐡𝐨𝐩 𝐎𝐧𝐥𝐢𝐧𝐞 𝐒𝐞𝐫𝐢𝐞𝐬: 𝐇𝐨𝐦𝐞𝐨𝐰𝐧𝐞𝐫𝐬𝐡𝐢𝐩 — 𝐂𝐫𝐞𝐚𝐭𝐢𝐧𝐠 𝐘𝐨𝐮𝐫 𝐏𝐚𝐭𝐡𝐰𝐚𝐲.

Whether you’re starting to think about buying a home or working towards that next step, come along to explore financial readiness, understand your options and learn about different pathways onto the property ladder, including family co-ownership.

𝐌𝐞𝐞𝐭 𝐨𝐮𝐫 𝐬𝐩𝐞𝐚𝐤𝐞𝐫𝐬
𝑱𝒆𝒏𝒏𝒚 𝑴𝒂𝒕𝒂𝒏𝒐, Residential Mortgage Adviser at Vega, with over 20 years’ experience in the financial industry, including a decade specialising in mortgage finance. Jenny helps first-home buyers understand the home-buying journey and supports existing homeowners with refinancing and restructuring their mortgages. Jennefromdablock

𝑻𝒉𝒆𝒓𝒆𝒔𝒂 𝑨𝒍𝒂𝒊𝒎𝒐𝒂𝒏𝒂, Founder and Director of Wellthwise Pasifika and a FinCap Board Member. Theresa brings a family-centred approach to financial wellbeing, supporting people to work towards their goals while honouring their cultural values.

📅 Tuesday 20 October 2026
🕖 7.00pm – 9.00pm
💻 Online via Zoom
🎟️ FREE — registration required.

Register here:
https://events.humanitix.com/pasifika-financial-capability-workshop-online-series-free

Questions? Please contact [email protected]

Bring your questions, invite your family and friends, and join us for an encouraging evening of learning. Your homeownership journey can begin with a conversation!

🌺Session 3

𝐑𝐞𝐠𝐢𝐬𝐭𝐫𝐚𝐭𝐢𝐨𝐧 𝐬𝐭𝐢𝐥𝐥 𝐨𝐩𝐞𝐧 𝐟𝐨𝐫 𝐒𝐞𝐬𝐬𝐢𝐨𝐧 𝟑 𝐨𝐟 𝐭𝐡𝐞 𝐏𝐚𝐬𝐢𝐟𝐢𝐤𝐚 𝐅𝐢𝐧𝐚𝐧𝐜𝐢𝐚𝐥 𝐂𝐚𝐩𝐚𝐛𝐢𝐥𝐢𝐭𝐲 𝐖𝐨𝐫𝐤𝐬𝐡𝐨𝐩: 𝐓𝐮𝐞𝐬𝐝𝐚𝐲 𝟏𝟑 𝐎𝐜𝐭𝐨𝐛𝐞𝐫, 𝟕𝐩𝐦 𝐨𝐧𝐥𝐢𝐧𝐞

𝗦𝗲𝘀𝘀𝗶𝗼𝗻 𝟯: 𝗣𝗿𝗼𝘁𝗲𝗰𝘁𝗶𝗻𝗴 𝘆𝗼𝘂𝗿 𝗳𝗮𝗺𝗶𝗹𝘆 𝗮𝗻𝗱 𝘆𝗼𝘂𝗿 𝗳𝗶𝗻𝗮𝗻𝗰𝗲𝘀
Building financial security isn’t just about earning and saving, it’s also about protecting what matters. Learn about financial resilience, insurance, Enduring Powers of Attorney, wills and the important steps families can take to prepare for the unexpected.

We are blessed to have three facilitators joining us:
🌸 Theresa Alaimoana: Wellthwise Pasifika Ltd.
🌸 Elle Wuthrich: Financial Adviser, KiwiSaver
🌸 Emily Maea: Hartson Maea Legal

Please register via the link: https://events.humanitix.com/pasifika-financial-capability-workshop-online-series-free

These workshops are hosted by P.A.C.I.F.I.C.A Inc. and delivered by Wellthwise Pasifika Ltd.

For more information: [email protected]

🌺 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