Sample report · East Auckland · 3 villages

Decision-Pack intake form

This is a working sample of the analytical output an adviser produces using the CRV Decision Service. Every figure cites its source. Fill in the client scenario below and the report regenerates with full cost-of-tenure modelling across 3 real East Auckland villages from 3 different operator types.

Each village's matching unit type is used in the calculation. If a village doesn't offer that exact type, the closest equivalent is chosen and noted in the report.

Stats NZ life-expectancy benchmark: a 78-yr-old female has ~12 years remaining; a couple has a higher joint horizon

RBNZ target band midpoint = 3.0%; historical RV sector has averaged 3-4%

Long-term NZ housing trend ≈ 3%; demo also models flat and downturn scenarios

Cashflow projection inputs

2025 rates, post-tax M code. NZ Super is universal at 65 with no asset test.

KiwiSaver + term deposits + shares + cash after paying the entry fee. e.g. $500k = home-sale proceeds left over.

Outside village weekly fees: food, utilities, healthcare, transport, leisure. Typical NZ retiree $20–40k.

Real (after-inflation) return. Conservative balanced portfolio ≈ 3–5%; equity-heavy ≈ 5–7%; cash/term deposits ≈ 1–2%.

Used to compare staying-in-home alternatives + as collateral if modelling a reverse mortgage instead of selling the home.

Used in the DHB-subsidy means-test analysis section.

Compliance: analytical scaffolding only. Not financial advice. The recommendation belongs to the licensed adviser.