Preparing your financial survival kit

Natural disasters are unpredictable and in many cases can be life changing for those caught up in them. The recent disasters around the world, including Christchurch, Japan and as of this morning Sumatra, have got many Kiwis talking about and actively putting their survival plans in place. Whilst the main emphasis should be placed on [...]

Five Questions to ask a Financial Adviser

1. Disclosure Statement please? 2. What does your level of qualification mean? Is it to the Government required level? 3. This is my situation, do you think you can help me? 4. How do you charge? Are the different services charged differently?  i.e. fees, commission, mix of both? 5. Why do you think you are [...]

Did you know that someone who sells insurance is called a “Risk Adviser”?

Why risk?  Insurance is based on risk.  It is priced on equations that insurance companies run to determine how much you will need to pay to shift the “risk” of a possible unfortunate event happening and for them to compensate you for it if it does. On the surface this looks quite simple, but as [...]