New possibilities for your retirement.

Our Mission

Our mission is to redefine retirement for New Zealanders. To transform it from a chapter of worry & endurance into one of graceful expansion & abundance in a Pacific Paradise.

We understand this is not a mere change of address. It is a re-calibration of life. Our purpose is to make this profound transition not only accessible and supported, but beautifully simple. To replace the noise of worry with the quiet confidence of a plan built on cultural respect, clarity, and dependable support.

This is the journey we guide. Not to an unfamiliar shore, but to your rightful, next chapter.

About Pacific Living Agency.

Pacific Living Agency was born from a quiet rebellion against the unfair struggle of most. 
As living and retirement costs rise in New Zealand, many retirees find themselves sacrificing comfort, freedom and wellbeing just to make ends meet. We witnessed this struggle, and we knew there was a better way.

Retirement should feel like freedom and comfort — not financial pressure and worry.

So we created Pacific Living Agency a bridge to a new life— to help Kiwi retirees discover safe, welcoming, and affordable island homes. Where your retirement savings can go further, your New Zealand Superannuation remains accessible, your quality of life is renewed, and your dignity and independence is maintained.

Who We Serve

We serve New Zealanders for whom retirement is a chapter to be lived, not endured. We serve you if you are:

  • Already retired, or At the threshold (50+) 

  • Seeking a climate that warms both the body and the budget.

  • Longing for a rhythm that is calmer, yet richer in connection and community.

  • Desiring the profound peace that comes when financial pressure recedes, and true stability begins.

If this sounds like you — you’re in the right place.

Why Relocate to these Pacific Islands?

The islands we partner with are chosen against a strict covenant: they must honor the practical foundations of a good life, while unlocking its deeper potential.

Here, your New Zealand Superannuation finds its truer purpose. It transforms from a monthly income into a vessel for living with ease—where a lower cost of living doesn't mean less living, but more. More connection, more tranquility, more daily ease. Your comfort is not compromised; it is redefined by sun, sea, and genuine community.

Our Future Vision.

Our journey begins with intention in the Cook Islands, our inaugural partner. From this foundation, our vision extends mindfully to the shores of Samoa, Tonga, Vanuatu, Niue and the Tokelau.

Each potential home is assessed through a lens of dignity and vitality: safety, accessible services, community warmth, and a lifestyle that nurtures rather than neglects.

But we are building more than a map of locations. We are nurturing an ecosystem of belonging.

  • We are creating viable alternatives to the narrative of anxious retirement.

  • We are fostering warm, reciprocal relationships between cultures.

  • We are weaving supportive networks where retirees find fellowship and shared wisdom.

  • We are committed to the feeling of 'home'—where you are seen, valued, and secure.

This the Pacific Living Agency vision.
A new chapter of retirement possibility.
A supported move, with guided access and ease 
A new home — that promises dignity, independence and peace.

A Letter from the Founder- Retirement, reimagined.

"Over the years, I have watched a quiet struggle unfold: Kiwi retirees, Even after decades of hard work, the cost of living in New Zealand can make retirement deeply stressful. As a New Zealand citizen watching retirees struggle with rising costs, I saw a need fora safer, warmer, more affordable option that still honors their quality of life.

As I approached my own retirement, this need became my own. At 51, I asked the same question so many of you are asking now: How can I craft a chapter that balances true quality of life with financial peace? Where can my NZ Superannuation become a tool for abundance, not just sustenance?

My answer was found in the Pacific. I felt it in the profound safety of its shores, the tangible peace of its rhythm and the genuine warmth of its communities — and how deeply supported I felt within Pacific culture. I also saw the simple mathematics of hope: I noticed a modest income not just stretch, but expand into a life rich with affordability, connection and ease.

That revelation became a service.

That's why I created Pacific Living Agency: It is a small, high-touch practice born from personal necessity, now offered as a guided service. We provide the clarity on superannuation and residency, the vetted local partnerships, and the personalized planning—so you can transition not with anxiety, but with assured confidence.

Pacific Living Agency exists to bridge New Zealanders seeking more ease & affordability to Pacific retirements offering quality of life, safety, and community.

Pacific Living Agency is not just a relocation service.
It is a heart-led movement toward a retirement that truly honors your needs, your work, and your right to a peaceful, dignified abundance."

With warmth and purpose,

Founder - Denise Barlow-Byarugaba

The Pacific Living Agency Standard

We're not just another relocation service. We’re your partners in creating a new chapter that is safe, simple, and beautiful.

We understand that choosing a partner to help with a transition this profound is not a transaction. It is an act of trust.

What sets us apart are our five uncompromising principles:

1. The Uncompromising Due Diligence.
Your safety is non-negotiable. Our process is built on meticulous legal, financial, and insurance due diligence. We ensure your move is not just hopeful, but lawful, secure, and systematically supported from the first document to the final key.

2. The Uncompromising Right of Belonging.
A home is more than a house. Our role extends beyond placement to integration. We facilitate your connection to local community and culture, ensuring you settle not as a visitor, but as a welcomed member of your new community.

3. The Uncompromising Equation: Less Cost, More Life.
We reject the notion that affordability means sacrifice. We provide a pathway where your retirement income unlocks greater qualitative abundance—access to quality healthcare, comfortable housing, and daily ease—freeing you from financial anxiety.

4. The Uncompromising "Feel-Before-You-Commit."
Peace of mind cannot be rushed. Our Discovery & Trial Tours are the embodiment of this principle. They allow you to experience the rhythm, the feel, the community firsthand—to make your final decision from a place of knowing, not speculation.

5. The Uncompromising Supporting Hand.
Our support has no gaps. From initial planning to settled contentment, you are guided by a dedicated move manager and our circle of vetted, trusted local partners. This is concierge care with a human heartbeat—ensuring you are never alone, and always supported.

These five principles are our standard.

This is what sets us apart.

 

Our Promise to You

Your trust is our Foundation

Your trust is not just appreciated; it is the foundation upon which we build everything. In return, we offer there six unwavering promises that govern every decision, every partnership, and every step of your journey.

1. Radical Transparency.
No hidden fees. No surprises. You will have clear, itemized understanding of our services. We believe trust is built in transparency.

2. Unwavering Quality of Service.
Our island partners are chosen through a rigorous selection: proven community stability, provision of quality services, and fundamental respect for each client. Your wellbeing is our first filter.

3. Personalized Support.
You are not a client number. You are an individual with a unique story. Our support is tailored to your rhythm, your needs, and your vision—before, during, and after your relocation.

4. Dignity, as Standard.
You have earned your retirement through a lifetime of contribution. We honor that earned right in every interaction, ensuring you feel respected, heard, and valued—never processed.

5. Community and Belonging.
A home is not an address. We are committed to helping you weave yourself into the fabric of your new community, fostering connections that transform a house into a home away from home.

6. Focused Expertise.
Your retirement planning and superannuation guidance is not generic advice. It is an individually tailored strategy, built on a deep understanding of both New Zealand's systems and the Pacific's possibilities.

This is our promise. This is our bond.

    Our guiding values

    Our values are not slogans on a wall. They are the active principles that steer every decision, every partnership, and every conversation. They exist for one purpose: to ensure your journey is marked by confidence, not confusion.

    Transparency:

    We believe true empowerment begins with unclouded vision. This means providing honest, comprehensive guidance on superannuation, costs, and timelines—free from omission or obscurity. We equip you with the clarity to make decisions from a place of strength, not uncertainty.

    High Standards:

    Meticulous vetting, rigorous due diligence, and white-glove care are not premium add-ons; they are our baseline. We uphold this integrity in every detail so that your safety and trust are never compromised.

    Empowerment:

    This is your new chapter. Our role is to provide the tailored tools, insights, and support that reinforce your control, not remove it. We walk beside you to inform your choices, ensuring you have clarity, feel safe and retain control with every decision.

    These values are our compass. They guide us, so we can guide you.

    The True Stories Of Those We Serve  (coming soon)

    We are currently walking alongside our first group of pioneering Kiwi retirees as they prepare for trial visits and lay the groundwork for their relocations. This space is reserved for their authentic voices: the moments of discovery, the sighs of relief, the tangible joy of a plan coming to life.

    You will soon read not just reviews, but testaments to a promise kept. You will see the principles of safety, dignity, and belonging reflected in real lives. We look forward to sharing them with you.

    Coming Soon: Our First Relocation Stories