How often should I? When and why you need to review your insurances How often should I review my insurance policies? When did you last look at your insurances? If your answer is something along the lines of ‘geez, it was way back when the kids were still in nappies’ then chances are you’re due […]
How do you leverage off your assets, and use that little bit of spare income to build future assets? In New Zealand, a common wealth building strategy is to buy a house, then use the equity in this property to secure a bank loan to buy another, with the income from the tenants paying the […]
Does your KiwiSaver match you current circumstances? If you have applied the professional approach to your personal situation that we have detailed in these articles, you would have looked at your income and expenses and worked out how to budget, and identified if you need to spend less. You would have set up insurance to […]
“People spend a lifetime accruing and building assets. The secret is to make sure that when something goes wrong, it doesn’t derail all the hard work you have done.” Personal insurance programs should form a basis for anyone looking to get ahead financially. At certain times in your life, you will have risks that need […]
It doesn’t matter if you are young, middle aged or retired, if you don’t track your spending, you are likely to worry about spending. I often get asked for practical ways to track spending. In the days of EFTPOS, debit cards, visa cards etc, it can be hard to keep a handle on how much […]
The most common New Year’s resolutions are getting fit and getting finances sorted. I wouldn’t take fitness advice from us, but as financial planners and licensed financial advisers, we’ve given advice to over 2,000 clients, completed hundreds of financial plans and delivered dozens of seminars on this subject over the combined 30 years in the […]
Why (and how) to keep your insurance policies during recession With mortgage rates and inflation rocketing in 2023, we know there are many families out there who are struggling with the cost of living and looking for ways to make savings. Our team of registered financial advisers across Aotearoa works with clients from every walk […]
Should I have health insurance for my kids? Here in Aotearoa, parents and caregivers of young children are fortunate to have access to a public health system that provides free GP care to children aged 13 and under. Anyone who’s experienced a child with a high fever, ear or throat infection, or one of the […]
Conal’s Story: From hospital bed, to the World Transplant Games Laying in a hospital bed, awaiting lifesaving surgery is where Nelson local Conal Beban, 42, decided he would compete in this year’s World Transplant Games. In 2017 Conal was having trouble sleeping. He could not fall asleep unless he was sitting upright due to difficulties […]
2022 was the toughest year I have seen since starting in 2007. Unfortunately, through every cycle there is a clear out of the speculative assets which can blow back on the more robust ones. I feel for you as investors, particularly newer investors. However, this is the 4th significant downturn I have seen as an […]