If you own your life insurance policy and pass away prematurely, the funds may not go where you want them to. Bear in mind, you will not be around to referee! Many clients own insurance policies on their own lives. This may make good sense for an income protection policy or a trauma policy. Life […]
Many of my clients’ wealth is directly linked to their own business. Did you know that 97% of New Zealand businesses have 20 or fewer employees? As such the ability of the owner and usually the key person in that business to work hands-on in the business is critical. Asteron Life research has found only 17% of small and
Your home, your business, your earning capacity, your smile …? Often, we meet with clients and they firmly believe that their home is their greatest asset. This is ingrained in our national psyche, and certainly, a mortgage-free home forms a great foundation for a comfortable lifestyle leading up to, and in retirement. However, your home,
One of the most exciting, daunting and exhausting times in life is the arrival of your first child – closely followed by the arrival of a second or third child! Life has changed forever and you are now responsible for another person – emotionally, financially and practically. At this stage in your life, it may
Some of the clients that I meet with have the view that with the $1,000 government kickstart disappearing a few years back, it no longer makes sense for their children to be enrolled with a KiwiSaver provider. Bear in mind, if your children are over 18 then they are entitled to the member tax credit.
Have you wondered how student loans work? My son Cameron has just finished his degree and I was a little unsure how it all worked particularly if he decides to travel so here is the deal!
Cancer impacts on so many people that we know and love. The cancer society runs some key fundraisers throughout the year and my husband, Glyn and I will be participating in this years “Walking Under the Stars” on the 26th of November. It’s New Zealand’s only night time walking half marathon, bringing people together to
Diane Maxwell on making NZ Super sustainable by increasing the age of eligibility, means testing, hiking minimum KiwiSaver contributions & making it harder for migrants to qualify The Retirement Commissioner warns New Zealand Superannuation isn’t sustainable in its current form, so we need to prepare for change. Diane Maxwell says it’s inevitable the period of
Authorised Financial Adviser, Lynda Taylor, reveals some common mistakes that she comes across when reviewing people’s protection plans. OwnershipMake sure you have the right people owning the insurance policy so that the money goes where it should. Not protecting your greatest asset – the ability to earn.How long could your household manage without the primary
There are a number of dedicated insurance companies in New Zealand and their offerings all differ slightly. They will differ in terms of their policy wordings; for example, some will offer free trauma cover for your children, others will pay immediately on an income protection policy in certain circumstances; and they also differ in terms