Level Life Cover: Balancing Stability and Security
AdviceFirst
by AdviceFirst
1w ago
New Zealanders are living longer, but is their quality of life keeping pace? Average life expectancy for both men and women is now stretching into the 80s, increasing yearly, and is expected to reach an average of 85 by just 2038.  However, while most of us celebrate the idea of a long life, increasing life expectancies creates a few potential issues:  Lack of appropriate framework for retirement and late-life care that accounts for an additional 5 or 10 years of life.   Lack of financial planning to account for increasing and prolonged stepped insurance premiums.  T ..read more
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Meet the team – Peter O’Rourke
AdviceFirst
by AdviceFirst
1w ago
With over 30 years of experience in financial services, Peter is dedicated to helping his clients achieve their financial goals. We’re delighted to welcome him onboard as our latest addition to the Wealth Team.  From avid Warriors fan and explorer of New Zealand to helping clients realise their financial potential, we know you’ll enjoy getting to know Peter. His relatability and relaxed approach define his success in assisting clients to tackle their financial goals.     What Do You Do in Your Day-to-Day as a Financial Adviser?  I empower clients to achieve their finan ..read more
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Diversification – your double-edged defence to greater long-term results
AdviceFirst
by AdviceFirst
3w ago
Are you protecting your long-term wealth with diversification? According to stats from the CFA Institute, only 21.4 per cent of U.S. stocks beat the market over 20 years from 1927 – 2020, illustrating the utmost importance of diversifying your portfolio and not relying on one ‘golden goose’ to bring you success. But what is diversification, and how can it impact your long-term goals? Today we’re going to look at what diversification is, the impact of failing to diversify, and your options for a healthy diversified investment portfolio.   What is Diversification? If you’ve heard the term ..read more
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Mortgage and Income protection: Comparing the options
AdviceFirst
by AdviceFirst
2M ago
Dreaming about the day you purchase your first home? Perhaps you’re reminiscing over the elation and joy that came when your offer was accepted? Your first home is a pivotal step in your financial journey. But, for many, it can also be a wake-up call when faced with the labyrinth of personal insurance choices, and understanding which ones are most suitable for your situation.    We often get asked ‘What’s the difference between income and mortgage protection?’. Below, we compare both and explain why they could be a good fit for your plan.  To preface, we want to emphasise t ..read more
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Empowering Your Financial Journey: A Spotlight on Andre de Almeida
AdviceFirst
by AdviceFirst
2M ago
Helping clients see their financial potential is a true point of pride here at AdviceFirst. As our business grows and evolves to serve your financial needs better, we love welcoming new people to our team of advisers. We’re delighted to introduce our most-recent addition, Andre de Almeida. Continue reading to learn more about Andre.    What do you do in your day-to-day as a Financial Adviser?  I engage with clients from all walks of life to help craft a personal protection plan that suits them. I also correspond with underwriters from insurance companies for the pre-assessment p ..read more
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Preparing for the Unexpected: The Value of Trauma Insurance.
AdviceFirst
by AdviceFirst
3M ago
We know that planning for the unexpected isn’t easy, especially at a time in your life when you are healthy and well. But despite the best intentions around leading a healthy lifestyle, a major medical event could sneak up on you when you least expect it. According to the Heart Foundation NZ, 175,000 Kiwis live with heart disease, and based on Cancer Control Agency data 25,000 Kiwis are diagnosed with cancer each year. While you are in your prime, the best time to plan for a major medical event is now. Trauma insurance (also known as critical illness cover) can be a way to safeguard your finan ..read more
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Win up to $2,000 towards Living The Kiwi Dream with AdviceFirst
AdviceFirst
by AdviceFirst
3M ago
 Win up to $2,000 towards the getaway of your dreams.   At AdviceFirst, we’re passionate about helping Kiwis realise a better financial future and live their Kiwi dreams – whether they’re financial, personal, or somewhere in between.    That’s why we’re thrilled to announce our latest campaign, where we’re giving one lucky client the opportunity to win up to $2,000 towards the getaway of their dreams.     Share the financial love to enter   Whether you’re dreaming of a romantic escape for two, a memorable adventure for the whole family, or a luxurious solo retreat, thi ..read more
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Income Protection Insurance: A Guide for Different Life Stages
AdviceFirst
by AdviceFirst
4M ago
If you were given just one car for your entire lifetime, would you do everything you could to keep it well-maintained, running smoothly, and protected? New data released by the Financial Services Council (FSC) reveals that while 98% of homeowners have insured their home, and 95% of car owners have insured their car, only 20% of New Zealanders have insured their income against sickness or disability. If insurance policies are designed to protect New Zealanders and reduce the impact of financial loss – then why are so many of us living without any protection, and putting greater importance on ou ..read more
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Meet the team – Willie Moala
AdviceFirst
by AdviceFirst
4M ago
Navigating the world of insurance isn’t always simple but searching for an appropriate policy that’s fit for purpose doesn’t need to be complicated. With the help of our advisers, you can be assured that what you’re getting works for your situation. If you’ve been wondering what it’s like to work with a Financial Adviser, we had a chat with our National Insurance Lead, Willie Moala, where he dives into his day-to-day responsibilities, dispelling common myths and what you can do to ensure you’re fully equipped for when the unexpected happens.   What do you do day-to-day as a national insur ..read more
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What you need to know about the new tax rules for trusts – by Stuart Baddeley
AdviceFirst
by AdviceFirst
4M ago
If you have assets held in a trust, you may be affected by the upcoming change in how they’re taxed. To ensure you’re up to date with everything trust and tax related, we’ve compiled a few key points on what you need to know and how you can be prepared for the change.   For context From April 1st, 2024, the income tax rate for Trusts will increase from 33% to 39%. Why, you might ask? Back in 2021, it is believed that many big earners moved their assets to trusts after the income tax rate was increased from 33% to 39% for any earnings over $180,000. What the government is looking to achiev ..read more
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