About Us

Lara Jane Maloney runs MyFuture as its Director, working out of Auckland. She holds FSP licence no. 529846 as a Qualified Financial Adviser authorised by the FMA (QFE/FAP). Since October 2016 she's been advising clients: more than 200 individuals and families so far, spread across Auckland and the wider North Island. Her focus areas include personal financial planning, investment strategy, and insurance structuring. 

Clients working with Lara on the MyFuture programme have achieved average net position gains of up to $244,207 per year - outside the family home - through structured debt reduction, KiwiSaver optimisation, and investment planning.

Lara's academic background includes an MBA with First Class Honours, where she specialised in Finance and Marketing. It's a combination that comes through in her work: rigorous analysis, but explained without the jargon. She went on to complete the NZ Certificate in Financial Planning (Level 5) as well. Her authorisation comes from the Financial Markets Authority, under the Financial Markets Conduct Act 2013, covering both financial advice and investment planning services. Her FSP registration can be verified on the Financial Service Providers Register.

Her professional background spans both the private and non-profit sectors. After seven years of international travel and experience, Lara co-founded Y for YOUTH, a non-profit organisation created to establish sustained funding streams for youth organisations across New Zealand. She then held the Head of Marketing position at Composite Helicopters International, where she led the commercial launch of a new helicopter product and developed a $170 million portfolio — building the financial modelling and commercial strategy experience she now applies directly to client financial planning.

Lara founded MyFutureNZ with a specific focus: to challenge the assumption that a 30-year mortgage is the default path for New Zealanders, and to help everyday Kiwis build genuine personal wealth alongside — or instead of — property. Her client work spans first home buyers, couples navigating shared finances, self-employed business owners, high income earners, and families at every stage.

Lara lives near the beaches of Muriwai on Auckland's west coast with her partner Ryan and their two young children.

Testimonial from Cheryl Britton

I write in regard to services provided to me by Lara Jane Maloney at MyFuture NZ Limited. I was introduced to Lara Jane in response to my expression of interest for help in regard to my financial goals via a facebook advertisement. This is always a very nervous experience both trusting that a service is legitimate and also passing over ones personal information. Lara Jane was very professional and easy to talk to from day one. We discussed my current financial position and what I was hoping to achieve in terms of my personal financial goals and the timeframe in which I hoped to achieve that. After our initial virtual meeting I was provided with a detailed plan outlining how I might achieve my goals. It was realistic about what was possible given my current circumstances. My follow up meeting to discuss the plan was informative and educational in terms of what the financial terms meant and my responsibilities in relation to the plan.

Once we got things underway I literally followed what was in the plan and whatever Lara Jane suggested I do. It was challenging to trust in the process and borrow the amount of money I needed to invest in the programme in order to achieve my goals but as Lara Jane reassured we would more than make it back over time.

Within the first few months I had demonstrated that I was able to begin investing by following the plan and the necessary savings goals that were required and entered into a contract for a property recommended by Lara Jane. This was extremely exciting but scary in that the process was all new to me. Lara Jane supported me by running the numbers and indicating what is would mean. Assisting with appropriate structuring of the mortgages and referral to other professionals to assist with the purchase. She has been there to answer by questions and doubts which crop up from time to time as I learn as a new investor. Things have gone very well with that investment along with lots of learnings along the way and in a short period of time I am looking to hopefully secure a second investment property.

It is important not to get ahead of oneself and just follow the plan meanwhile resisting temptation to deviate from the path with spending. Monthly monitoring by Lara Jane, of income, expenditure and planned savings helps one to stay accountable in order to achieve the goals.

I am very grateful to have embarked on the programme with Lara Jane and without her support and expertise I would not have been able to improve my financial situation as quickly or substantively. She also ensures I am managing risk appropriately which is important as you can get excited and want to do things as quickly as possible which may over expose oneself in these challenging financial times.

My thanks to Lara Jane and her team for the ongoing help.

– Cheryl Britton