• Echelon advisers
  • Echelon advisers
  • Echelon advisers
  • Echelon advisers
  • Echelon advisers

What is financial modelling?

Using detailed analysis, we build a picture of how your choices and options might play out over the course of your lifetime.

The best way to show you your world is to draw a picture. The primary difference that sets us apart from our peers is that we have developed a ‘clever’ calculator. More specifically, the information we gather about your income, expenditure and debt levels builds an illustration in graph form which looks beyond your mortgage to see how your life might eventuate. We talk about any future plans, such as how a different job, growing family, or lifestyle changes might alter your financial outcome. We also consider factors such as inheritances, business sales, property portfolios and any anticipated KiwiSaver.

The software doesn’t just show your current position, many clients come to us wondering what action they should take on a certain issue. The great thing about carefully constructed projections is that we can give you the foresight you need to avoid costly mistakes and make better choices. Importantly, this modelling is not a one-time only service, it is something we can provide on an ongoing basis. Once we have your information in our system, we simply update the data as your plans change and evolve. It really is all about you.


Even with an enhanced payment program many people find it hard to focus on anything other than their mortgage. We purposely look beyond your mortgage and see this as a stepping stone in a wider strategy.


Any approach you have for clearing debt can be channelled into your plan for the future. Assuming you can save at the same rate you clear debt, then we can map out long-term strategies to help achieve your retirement goals.

  • Echelon advisers
  • Echelon advisers
  • Echelon advisers


Using financial modelling we balance your risks against your costs to get the best possible result.

If you want your insurances to be there when you need them, it is worth considering what happens to the cost of your cover over time. Premiums for personal insurances such as Life, Trauma and Income Protection rise rapidly after the age of 40 and the number one complaint for people cancelling their policies is cost. It is therefore important to structure your protection correctly, as with the right approach, you can establish new cover or alter existing cover so it will not increase over time for age-related reasons.

The financial modelling we conduct provides an essential insight, not only into what types of insurance might be appropriate and in what amounts, but also how long you might need it for. Understanding this is central to how you might structure a policy. Balancing the cost remains a factor though and the software helps to determine what might be a reasonable amount to spend given your wider finances. Bringing all these elements together we can give you the best advice to ensure you get the most value from each insurance dollar.




The curve for rising insurance premiums stays relatively flat throughout your 30’s but starts to rise from age 40 and from 45 becomes multiples of the original cost. We can help you delay this effect or stop it altogether.




By electing to structure cover on level premiums then you initially pay more than a stepped premium approach. However, with level cover you lock-in the cost, which will no longer rise for age related reasons.

  • Echelon advisers
  • Echelon advisers
  • Echelon advisers

Investment & Future Planning

We find the number one question for those considering their future and retirement is “Can I live the life I want”.

When thinking about investments it is normal for people to focus on returns as this has a direct impact on what income is generated. Initially, we like to take a step back and before developing an ideal portfolio we start with planning and analysis. Well constructed investments are an important part of the mix but if this has not been considered within the wider context of your life and what you are trying to achieve then the overall affect is often less.

Financial Planning aims to determine how your future might look based on your aspirations, and then develops strategies to ensure they eventuate in the way that you want.

Throughout this process we seek to manage any inherent risks, protect assets and provide the navigation you need to ensure you remain on course.

With investments we prefer open and active mandates using a blend of local and international active managers who have the abilty to come back to cash if they have concerns about their market sector. Every client is different and regardless of the situation our singular objective is to deliver an outcome that makes you comfortable and works for you.

Lifetime Cashflow Events

The impact of life events on household cashflow

Lifetime Cashflow Events

Most people start their planning too late. Time is a valuable asset and life is full of opportunities to make a difference, particularly when combined with good strategy. We aim to guide you through the ups and downs, encouraging you to see through the day to day and allocate for the future to come.

Additional Services

We excel in solving special or complex financial issues.

If our existing software cannot provide the required answers, we can build you a specialised tool to deliver the right result. Whether you have a farm estate that needs to be split five ways or a property portfolio that needs sensitivity analysis, finding answers to challenging questions is all part of what makes our work interesting.

Examples might include:
• Asset and estate planning
• Property analysis and portfolio construction
• Business risk management
• Business succession planning
• Expert key witness work for barristers

About Us

What we find most rewarding is helping our clients maximise their resources to achieve the best possible outcome.

At the core of our philosophy is the belief that tailored advice should be available to everyone. As the public’s knowledge of financial matters increases there is a growing expectation that people should have a base level of understanding. In truth, the subject matter is so large that knowing ‘what you should’ is often unrealistic in the face of other modern pressures. A single piece of financial advice can significantly improve your outlook. The advice we provide is customised to you, practical and backed by decades of industry experience.

Whether we are a sounding board for existing plans, or you are looking for additional ideas and strategies, our ‘client first’ approach means you will always have guidance with no agenda to direct you into a certain result.

We believe in being the honest voice in your corner helping you to do what you do best. Our aim is to be there for the long-term, adjusting and developing your plans as your world changes.

Meet the team

Royden Shotter Director / Senior Adviser AFA, CFP
Mobile 021 279 9898 DDI 09-281 2604 royden@echelonadvisers.co.nz
Royden has been a Financial Adviser since 1997. He has a Graduate Diploma in Business Studies (Personal Financial Planning) from Massey University and is a Certified Financial Planner (CFPCM) practitioner.

CFPCM is an internationally recognised mark owned by the Financial Planning Standards Board in the USA and awarded in New Zealand by the Institute of Financial Advisers (IFA) of which Royden is a commitee member for the Auckland branch.

Always moving towards the far professional end of the spectrum, he was one of the first advisers in New Zealand to be authorised by the Financial Markets Authority as AFA (Authorised Financial Adviser). When there was no suitable off the shelf alternative Royden instead designed the financial modelling software that Echelon use to help their clients.

George Bayley Adviser MRICS, RFA
Mobile 029 436 7432 DDI 09-281 5418 george@echelonadvisers.co.nz
George was born in the UK and commenced his career working in asset management for the Fleming banking family in 1992. He received a Diploma in Estate Management in 1991 from the Royal Agricultural University and was elected a Member of the RICS in 1994.

He has held trading, compliance and general management roles, working with investments ranging from real estate through to shares, options and futures.

George is currently Principal of Cultivar Fund Management and a member of the NZ Absolute Return Association. His background and experience provides an ideal platform for guiding clients with their financial modelling and advice.
Amber Masefield Office Manager BBS
DDI 09-281 2624 admin@echelonadvisers.co.nz
Amber is client facing in a support role and first point of contact for any administration queries. With a degree in business studies from Massey University and 7 years in retail management, she has a wide range of skills which is ideally suited to her position as office manager.
Zoe Klomp Administrator BA
DDI 09-281 2624 admin@echelonadvisers.co.nz
Zoe duties involve para-advice and the ongoing development of our planning tools, as well as assisting with administration and meeting support. Currently studying her Master’s in Educational Policy at Auckland University, Zoe's insight and ability to research is a real asset to the team.