General Questions



  • What will it cost me to meet with you to discuss Investment options?

    our first meeting with us is always free - It is a chance for us to meet and get to know each other a little. There are no obligations on you from this first meeting and if you decide that you want to move forward, we will formulate a plan to address your goals and objectives and we will advise you of the costs involved in doing this.

    From there it is your choice if you want to proceed.

  • Our close friends just had a plan done with a Financial Adviser can’t we just use that?


    Everybody is different. Advice is tailored to the individual/couple and may very well differ to that of even your closest of friends. They might have different ideals than you in retirement, different attitudes to investment risk and even different time lines. These are just a few of the things that could affect the advice you are given.

    A financial plan is for you and you alone and that specific advice would not be suitable for anybody else.

  • How much will I need in retirement?

    There has been some studies released in 2012 that indicate to have a comfortable retirement that you will need 60-70% annually of your pre-retirement income. For example if you earned $75,000 in the year before you retired you would need approximately $52,500 (70%) including what you receive from Government Superannuation.

    Having said that everybody has different ideas about how they see retirement so I recommend that you talk with Jeff and Helen to get your own personal plan on track.


Personal Insurance

  • How much Life Insurance is enough?

    Everybody's needs are different. It can depend on lots of things. Do you have dependant family, a mortgage and/or other debt, do you have personal guarantees to the bank or creditors and a raft of other scenarios. We have included a Life Insurance calculator that you can download to make a simple assessment and/or give us a call so we can discuss the issues with you.

  • What insurance premiums are tax deductible?

    As a rule, if the premium is tax deductible, then the benefit paid is tax assessable? There are some exceptions to the rule and full discussion is required on this topic – if in doubt, talk to a tax expert.

  • I am on a limited budget what should I insure?

    Your Income. There is not much you can achieve without income!! Check out the Income Protection Calculator under the forms tab.
    Life Insurance. If you have dependants you should ensure that they are not financially disadvantaged should you die prematurely. Your life insurance should at least clear all debt, including personal guarantees (personal guarantees do not die with you) and provide on going income for a number of years into the future. (Ideally until your children are self supporting)

  • I do not need policies that pay for lost income – I won’t get sick and I can rely on ACC?

    Wrong – according to Fidelity Life, 52% of income protection claims were for illness and 48% were for accident. But hang on, we have ACC so how does that work?? Call us.


Business Insurance


Kiwi Saver

  • Can I leave the scheme after I join?

    You can stop contributing after 12 months. You can switch to another provider. You can leave the scheme only if you are permanently emigrating or you are seriously ill and/or suffering serious financial harsship. You will need to apply to your KiwiSaver provider and they will advise what is required depending on the situation.