Financial Planning

Health – not wealth – is everything

 An interesting reflection piece from a mid-life review.

How the introspection commenced was: "Just to exacerbate my mortal thoughts this week I received a very formal and cold letter from my insurance company telling me they were taking another $3 off me every month for my life cover premium. 

Normally I'd take a cursory glance and hopefully file it somewhere sensible. But this time I lingered on the form, sat down and read every word. 

How to choose your Authorised Financial Adviser (AFA)

 The FMA (Financial Markets Authority) recently completed research surrounding the barriers to obtaining financial advice.

Here's the media release in full:

A quarter of respondents in a new survey say they don’t know how to find or choose a professional adviser and the same number are worried the person they did use might try to sell them something that might not be right for them or that they don’t need.

Deadliest Occupation in NZ is....


According to The Independent, Farming classified as 'most deadly occupation' in New Zealand

Quad bike and tractor accidents have become the most common causes of death on farms in New Zealand where farming is classified as "the most deadly" occupation, claiming, on average, a life every three weeks throughout the year.

In addition the statistics show that a farmer or an agricultural worker is injured every half an hour.

Need to Budget? There's an app for that

The regulator in Australia - ASIC (the equivalent of our FMA) put out handy tools for you and me, similar to those found on

We cam across this handy app recently which helps you to "Track your personal expenses on the go with this easy-to-use app from MoneySmart. TrackMySPEND gives you a clear picture of what you are spending your money on."

Click here to download the app

MYTH: I can do for myself exactly what a mortgage broker does

Australian non-bank mortgage provider, Aussie Home Loans, put out an interesting article addressing some misconceptions about mortgage brokers. Now of course we are biased, we are for a very good reason - we have been delivering value to our mortgage clients for the past 8 years.


The article starts: