Back to Blog

Enduring Powers of Attorney

By Paul CarrickCommonly known as an EPA, this document appoints people to act for you when you cannot, including when you have lost your legal capacity to act. An EPA looks after you when you are still alive.This is the second document you may never get a chance to make or change when needed.In the case of Enduring Power of Attorney, you may have lost your legal capacity, which means you can no longer change legal documents or make certain decisions about your life.These events can be sudden.You...

What is a Will?

Written by Paul CarrickA Will is a written document you create outlining your funeral preferences and nominating a person/entity (the Executor) to manage your assets, pay your debts/and distribute the remaining assets to the people or entities chosen.Will’s provide documentation that has specific requirements, including some clauses and witnessing procedures.An Executor is the person you assign to do the job (and usually will have agreed to be your executor before you make your Will).A Benefic...

Proud supporters of The Kids Foundation

There are over 100 different childhood liver conditions and problems in young children, which are collectively known as Childhood liver disease.One baby each month is born with severe liver problems.Beware Yellow Month is aimed at helping people to understand the early warning signs to ensure early diagnosis and you can see below the fact sheet for 'Need to Know Facts' about Childhood Liver Disease.Donations help ease the pain and pressure for the families with PID and O...

Wealthpoint Conference 2024

The team went down to Blenheim at the start of May for the annual Wealthpoint Conference, and celebrated Wealthpoint’s fifth year in business. We spent a few days down there, trying some of the local cafés and restaurants and staying at the lovely central Lugano Motel.The conference was made up of 2 action-packed days, filled with lots of interesting speakers including Sir Bill English who gave us his perspective on some topical issues relating to the economy, technology and business and also...

Understanding General Insurance Claims

In this blog post, we’ll explore what general insurance claims are, how they work, and some tips to ensure your claims process is as seamless as possible.What is a General Insurance Claim?A general insurance claim is a formal request by an insured individual to their insurance company for coverage or compensation for a covered loss or policy event. The insurance company validates the claim and once approved, issues payment to the insured or an approved interested party on behalf of the insured...

A certain friend in uncertain times

You buy your insurance to give you certainty for when the unthinkable happens and when it is real. Once the initial shock wears off, the next thing is where the money comes from, and insurance becomes a beacon of hope and positivity.Historically, life insurance was about paying money on death or terminal illness, and over the last twenty-plus years, claims increasingly pay for events while you are alive., for instance, paying lump sums for heart attacks, strokes, cancer, inability to return to w...

The Advantages of Using a Mortgage Broker

The Advantages of Using a Mortgage Broker Over Direct Bank Negotiations  When it comes to securing a mortgage, the process can be daunting, especially for first-time homebuyers. While approaching banks directly is an option, employing the services of a mortgage broker can offer several significant advantages. Here’s why you might consider a broker for your mortgage needs:  Expert Guidance and Personalised Service Mortgage brokers are professionals who specialize in finding the best m...

Making Informed Choices for Your Protection Plan

When considering your protection plan, it’s essential to understand the roles of brokers/advisers and direct options. Let’s explore the benefits and differences between the two.Advisers at the StartAn adviser takes the time to understand your unique requirements. They recommend a tailored solution, including the right insurer, coverage types, and amounts. Advisers leverage their expertise and technology, saving you the effort of comparing various providers’ pricing and offerings. Cost...

Maximise Your KiwiSaver with Expert Guidance

 Navigating KiwiSaver: The Benefits of Engaging a Broker Managing your KiwiSaver account is an important aspect of financial planning in New Zealand, particularly when it comes to retirement savings. While you can deal directly with a KiwiSaver provider, there are compelling reasons to consider using a broker to manage your KiwiSaver account. Here’s why:  Tailored Financial Advice A broker can personalise their advice based on your individual financial situation and long-term go...

Navigating Insurance: Broker vs. Direct

Having a financial adviser or broker for insurance needs, such as commercial, house, contents, and vehicle insurance, can be highly beneficial for several reasons. An adviser can offer their expertise in a complex landscape Insurance is intricate with various policies and terms. A financial adviser has the knowledge to help you navigate this complexity, ensuring you get coverage that fits your needs.Personalised Assessment Your financial situation is unique. A financial adviser wi...

Why Regular Life Insurance Reviews Can Be Rewarding

Life Insurance is the foundation of your financial plan, providing protection and peace of mind for you and your loved ones. And money at claim time when you need it most.   It needs to be in place today to protect what may happen tomorrow.However, Life Insurance is not a one-time purchase you can forget after signing the contract. Your Life Insurance needs may change over time, depending on various factors such as your income, expenses, family situation, health, and goals.That’s why...

Reviewing Your House, Contents, And Vehicle Insurances

Regular reviews with your adviser are important for several reasons:You can make sure that your cover is adequate and up to date. Your adviser can help you assess the value of your assets and the risks you face and recommend the best policy for your needs. You may need to increase or decrease your sum insured, add, or remove items, or change your excess or limits.You can save money and avoid overpaying. Your adviser can help you compare different options and find the best deal for your budget. Y...

Regular Business Insurance Reviews

If you own a business, you know how important it is to protect your assets, your employees, and your customers from various risks and liabilities. That’s why you have Commercial Insurance, right? But do you know if your current policy still meets your needs and expectations? Or are you paying too much or too little for your coverage?Commercial Insurance is a dynamic insurance that needs to be reviewed and updated regularly to reflect the changes in your business and the market. Here are some o...

KiwiSaver, Investing In Your Future

A lot of people think of KiwiSaver as a “savings account” that they can’t access until they turn 65 or if they’re buying their first home. It becomes a bit of a back burner subject, “I don’t know who my fund manager is”, “I don’t know what I contribute”, or, “I don’t know what sort of fund I’m in”.  KiwiSaver isn't a savings account, it is an investment that is contributed to by yourself, your employer, and the government. It has gains and losses as markets fluct...

The Importance Of Reviewing Your Mortgage

A Mortgage will probably be the biggest financial commitment you’ll make in your life. Making sure it’s on track and understanding how it works, what you’re paying, and if there are ways to pay it off faster, is very important.Your financial situation changes over time, as do rates and housing markets. Having reviews with your advisor can help you through upcoming fixed-rate renewals and working out repayments. Reviews can help you decide if now is the time to split some of your mortgage o...