Are any of these pieces missing from your financial health puzzle?

Financial security has a big impact on your personal wellbeing.

After working with Kiwis for more than 30 years, we’ve identified 7 key areas that make up your financial health and wellbeing. By looking at each piece of the puzzle and where you stand, we can give you good information so you can make better financial decisions.

Income & Budget

48% of New Zealanders spend more than they earn. Having a budget is not about how much you earn but how much you spend – and understanding that you are in control. 

We will provide budgeting tools and advice to help you understand your essential expenses and start saving. We'll help you put together a budget that works for you and for your financial health.


Did you know that there are more than 2.7m KiwiSaver members and more than $57b invested?

KiwiSaver investment is a great tool for retirement saving or saving for a house deposit.

Being in the right fund, paying the right tax rate and getting the Government Contribution each year can mean thousands of dollars more in your account by the time you retire. Get it right!

Personal Protection

Life is good, but it has a nasty habit of throwing curve balls. 23,000 Kiwis are diagnosed with Cancer every year. That’s 63 people per day. 

What would happen if you were unable to work because of an illness or disability? How would you and your loved ones cope? 

This piece of the puzzle looks at protecting your most valuable asset – you.


We agree there’s more to life than paying a mortgage! It is getting harder to retire mortgage free. Over-65s now owe an average of $232,000.

It’s not just about getting the best deal on interest rates or fees – with the right advice, a tailor-made loan will get you or the business out of debt faster, saving you thousands of dollars that you would have paid the bank on interest.

Asset Protection

Surfing, holidays and Sunday roasts – it’s all important but it’s the material stuff we can’t afford to lose that we should protect with appropriate insurance - our house, contents, car and business assets. 

So that if anything should happen, like crashing into another car or your house burning down, you have the peace of mind that your policy will cover you for everything you need.

Investments & Retirement Planning

A strong investment portfolio coupled with the right advice will have your hard-earned money working smarter for you, and can help you save for the most important things in life.

According to the last census, more than half of over-65s rely on the $400-a-week pension as their sole source of income. Is this where you want to be?

Whether you have dreams of cruising the Mediterranean or living the simple life, it’s best to start planning for retirement now, not five years before you want to retire. 

Wills & Trusts

When you pass away, you want your money to end up in the right hands. Not having a Will means you lose that control over what happens. Dying without a Will can cause a lot of unnecessary stress and costs for the people we leave behind.

Family trusts are designed to protect our assets and benefit members of our family beyond our lifetime, but is it the right thing for you?


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