Weather life’s storms with rock solid financial stability.

The foundation of financial stability is having a two part plan. The first part, your Plan A, is to build up your resources. This allows you to weather life’s storms without the need to transfer financial risk to someone else. This might be improving your budgeting so you can build a cash safety net, growing your KiwiSaver, or starting another investment account.

For the things that you can’t or don’t want to pay for yourself, for example continuing to service a mortgage if one of you passes away or is too sick to work for a while, then we transfer those risks over to an insurance company. This is the Plan B and will help keep you on your feet without having to sell off assets.

We help you align your Plan A and Plan B to give you rock solid financial stability.

Compound interest is one of the most powerful concepts in finance. Understanding how it can work for you and your retirement savings can be the difference between getting by and living high in retirement.

Most people understand this concept when it relates to a loan, they will fight tooth and nail for an interest rate that might be 0.2% or 0.3% lower because of how much they will save over the long term.

With KiwiSaver and other investing, the differences between being in the wrong strategy (e.g. balanced vs growth), or with a passive manager vs an active one, or contributing just the minimum vs a bit extra, will be whole percentages.

Getting this sort of thing right will mean that later in life you need less and less insurance so you can take the savings you make there and invest them and your wealth will continue to spiral upward faster and faster.

For a lot of people, insurance can feel like a grudge purchase. Something that they know they need, but don’t really understand exactly what their plan does, so don’t see value in it.

One of our big focuses, is making sure that you understand our advice and how your plan works.

We also go to great lengths to make sure you have the plan that suits your priorities. That might be budget or the most comprehensive policies. Or it might be a combination. Each person or family has a different set of priorities and we help you find the provider or combination of providers who offers policies that best match your situation and priorities.

If you’re one of our clients, we are with you for the long haul. We check in as often as you need to make sure that your plan is still fit for purpose. As time goes on and your financial strength grows, your exposre to risk will reduce, and so will your need for insurance. We will help make sure that you’re not over insured or under insured as your life changes. And in between times, we help you with claims and laise with the insurers on your behalf.

We are trusted and accredited by many providers of financial services products to give advice about their products.