Securing your financial future starts with taking action. By scheduling an appointment with me, you are making a proactive move towards protecting yourself and your family against life's uncertainties. Together, we'll explore the best insurance options based on your unique circumstances and financial goals. Taking this step will not only provide you with the assurance of financial security but also ensure that you are better equipped to handle any curveballs that life may throw your way. Don't wait for a crisis to strike; act now and secure your future with the power of personal risk insurances.

Managing our finances effectively is essential for a secure and prosperous future. However, many of us struggle to develop healthy financial habits that can lead to financial success. One valuable solution is to invest in financial behavior sessions. While some might hesitate to spend money on such services, considering it an expense, the truth is that paying for financial behavior sessions can be a wise investment with long-term benefits. In this blog, we'll explore why these sessions are worth the cost and how they can pave the way for a brighter financial future.

In a world where financial stress can take a toll on our mental and emotional health, financial therapy emerges as a beacon of hope. The decision to book an initial consultation is not just an invitation for immediate solutions but an investment in your long-term financial well-being. Embrace the transformative power of financial therapy and embark on a journey of self-discovery, empowerment, and lasting positive change. Take that first step today and witness how I, as your financial therapist, can revolutionize your relationship with money, paving the way for a brighter and more secure financial future.

In the ever-changing landscape of life, uncertainties loom large, and protecting ourselves and our loved ones becomes paramount. As responsible individuals, we often plan for our future, making investments and setting goals. However, one aspect that is frequently overlooked is insurance. It is crucial to understand the significance of a personal risk review and the potential consequences of remaining uninsured in New Zealand. In this blog, we shed light on why a comprehensive insurance plan is your shield against unforeseen circumstances and how being uninsured can expose you to immense financial and emotional risks.

Many New Zealanders underestimate the impact of their KiwiSaver fund choice on their retirement nest egg. By defaulting to a conservative or default fund, you might be missing out on the potential growth that a more tailored fund could offer. Assessing your risk appetite, investment timeframe, and financial goals is essential to ensure your fund aligns with your unique needs.

In recent years, the cost of living has been on a steady climb, putting a strain on households and challenging their financial stability. As the prices of goods, services, and housing continue to soar, it's becoming increasingly difficult to stay ahead of the game and maintain financial security. However, the good news is that with thoughtful financial planning, it is possible to weather the storm and secure a stable future for you and your family.

Welcome to the fourth blog of the mothers day series, in this series I will focus on relevant financial topics related to a growing family. In this fourth blog I will discuss saving for retirement as a parent

As a parent, it can be challenging to balance the competing financial priorities of saving for retirement, paying off debt, and saving for your child's education. However, planning for retirement should be a top priority for parents. Here are some tips for balancing retirement savings with other financial priorities:

Welcome to the third blog of the mothers day series, in this series I will focus on relevant financial topics related to a growing family. In this third blog I will discuss protecting your family with insurance

As a parent, you want to do everything you can to protect your family. One way to do this is to invest in insurance. Insurance can provide you with financial security in the event of an unexpected tragedy or illness. Here are some types of insurance that parents may need:

Improving your credit score is an important financial goal, however getting a credit card to achieve this objective can do more harm than good. There are several reasons why a credit card may not be the best option for improving your credit score. One of the key reasons is the high interest rates that credit cards often come with. If you do not pay off your credit card balance in full each month, you may end up paying a significant amount of interest, which can make it difficult to make progress on paying off your debt and can lead to financial stress.

This is the second blog of the Mothers day Series. In this series I will focus on the financial topics which are most relevant for a starting and growing family. This first blog will discuss the need and process prepare for your children’s education

As the cost of education continues to rise, it's becoming increasingly important for parents to start saving for their child's education as early as possible. In New Zealand, there are a number of education savings accounts available, each with its own advantages and disadvantages. Here, we'll take a closer look at some of the most popular education savings accounts in New Zealand and how to determine which one is best for your family.

This is the first blog of the Mothers day Series. In this series I will focus on the financial topics which are most relevant for a starting and growing family. This first blog will discuss the need and process to create a budget based on the changing needs of your family

Starting a family is an exciting time in anyone's life, but it can also be a financially challenging one. As a family grows, so do the expenses that come along with it. From daycare costs to increased grocery bills, it's important to be prepared and have a solid budget in place to ensure that your family's financial future is secure. Here are some tips for budgeting for a growing family:

Paying off a 30-year mortgage in just 10 years may seem like an insurmountable task, but it is definitely possible with some careful planning and discipline. Not only will it save you a considerable amount of money in interest payments over the life of the loan, but it will also provide you with the financial freedom and security of owning your home outright. Here are some steps you can take to pay off your mortgage in just 10 years.

Easter is a Christian holiday that celebrates the resurrection of Jesus Christ. It is also a time for family gatherings, feasting, and the giving of gifts. While Easter is primarily a religious and cultural event, it can also have an impact on the housing market. In this blog, we will explore the relevance of Easter on the housing market.

Personal risk insurances are policies that protect individuals and their families from financial losses due to unexpected events. These policies provide peace of mind and can help people navigate difficult situations. In this comprehensive blog, we will explore the different types of personal risk insurances, how they work, and why they are important.

Mortgages are a form of secured loan that enables individuals to purchase property by borrowing money from a financial institution. They are a crucial part of the real estate market, allowing people to invest in homes and build equity over time. In this comprehensive blog, we will explore the ins and outs of mortgages, including their history, types, and how they work.

One of the most important aspects of managing debt is being aware of the amount owed and the interest rates attached to that debt. It is easy to fall into the trap of taking out loans and credit cards without realizing the impact it can have on one's financial situation. However, ignoring the problem will only make it worse. Being proactive and creating a plan to pay off debts can help individuals avoid getting caught in a cycle of debt.

Buying a house is an exciting milestone, but it can be challenging to save up for a deposit, especially if you're not sure where to start. In New Zealand, most lenders require a minimum deposit of 10% - 20% of the purchase price. There is the Kaianga Ora program, which requires a 5% Deposit. Here are some practical steps you can take to get to a deposit:

As a mortgage broker in New Zealand, I work hard to secure the best possible mortgage terms and rates for my clients. One of the ways we earn income is through commissions paid by lenders, which is based on the size of the loan. However, in some cases, circumstances change, and the client pays off their mortgage earlier than expected. When this happens, the commission we earned on the loan is clawed back by the lender, and as a result, we may pass on these claw back fees to our clients.

Financial advisors, including mortgage brokers, are experts in their field who provide valuable services to their clients. While some financial advice may be available at no cost to you, it is important to recognize that this advice comes at a cost and is not for free. Financial advisors are entitled to compensation for their time and expertise, whether through commissions or fees.

Paying high monthly insurance premiums for personal risk and health insurance can be a financial burden, especially when you're already on a tight budget. However, it's important to consider the long-term benefits of having insurance coverage for yourself and your loved ones. In this blog post, we'll discuss why it's still a good idea to pay high monthly premiums for personal risk and health insurance.