From today, KiwiSaver is taking a step forward. With the latest changes now in effect, default employee and employer contribution rates increase to 3.5%, with a further rise to 4% coming in 2028. On the surface, this is a positive move. It means more is being set aside for your future automatically, without requiring any […]

Across New Zealand today, many families are feeling the pressure of rising living costs. Fuel prices fluctuate, groceries are more expensive than they were a few years ago, and mortgages and insurance premiums continue to rise. When fuel prices increase globally, the impact spreads through the entire economy. Transportation costs go up, supply chains become […]

After more than three decades of advising families across New Zealand, I have seen a recurring pattern. Clients enter their mid-40s and begin to question their insurance premiums. The conversation usually starts the same way. Why has it increased so much? Why now, when everything else feels more expensive? Is this normal? The concern is […]

When people hear “insurance,” they often think it’s just about hospital bills or something going wrong. But insurance is much bigger than that. It’s about protecting your family’s lifestyle. It’s about protecting your children’s future. It’s about making sure that one unexpected event doesn’t undo everything you’ve built. Life in New Zealand is not cheap. […]

In business, we talk about investments all the time. Investing money. Investing time. Investing in the future. But there is one investment many people delay, and that’s time with their children. Life gets busy. Meetings. Deadlines. Clients. Phone calls. Responsibilities. We tell ourselves: “I’ll spend more time with them when things slow down.” “I’ll take […]

Over the last 30 plus years, I have worked with thousands of individuals, families, and business owners. Different backgrounds, different income levels, different goals. Yet one pattern shows up again and again. Most financial stress does not come from one big failure. It comes from small habits we do not even realise we have. People […]