A PLAN FOR CERTAINTY & SECURITY

Everyone has a plan A – a carefully-laid pathway towards the perfect lifestyle. But what happens if plan A doesn’t work? You need a plan B to ensure you still reach your goals.

At Advice Financial, our passion is helping you find your ideal plan B, for yourself, your family, and your business. Whatever your goals are, we’ve got access to a full range of personal and business risk products that will help you get there.

ABOUT ADVICE FINANCIAL

Advice Financial is dedicated to providing you with good advice for your money. Our advice is impartial and the cost of our services is transparent.

Our Registered Financial Advisers bring their knowledge and integrity and utilise robust systems to help you plan your financial well-being.

DOES YOUR LIFESTYLE HAVE A BACKUP PLAN?

Life’s too important and fragile not to plan for the unexpected.

You’ve probably got a clear idea of the kind of lifestyle you want for yourself and your family, based on your current situation and your future goals. But do you have any idea how you would deal with the unexpected? If your plan A is disrupted by unforeseen events, have you considered how it would affect your ability to look after the ones you love?

Find out how Advice Financial can help you create a sound plan B.

WILL YOUR BUSINESS SURVIVE IF THINGS DON’T GO AS PLANNED?

Every business operates with a level of risk that requires a plan B.

The most valuable component of a successful business is its people. They’re the ones with the knowledge, the passion, and the skills to make it work. But if you or one of your key employees were suddenly unable to work through illness or injury, how would that affect your business’s ability to operate?

If you couldn’t survive without your most important people, then get in touch and find out how to stay up and running if the unexpected happens.

OUR SERVICES

YOUR PLAN B.

At Advice Financial we have a wealth of experience in tailoring personal life, income, mortgage and health products, as well as keeping businesses running smoothly with general business insurance, employee benefits/ KiwiSaver and ACC cover.

We work with our network of trusted insurance providers to ensure you have access to the very best products and services. Our aim is to make sure that you can get on with living life your way, secure in the knowledge that, even if the unexpected happens, you and your family will be well looked after.

Plan B when you’re gone

We help make sure your Life Insurance meets your needs

HAVE YOUR FAMILY'S BACK WHEN YOU'RE GONE

How would your family cope if you were gone? Could they maintain the same standard of living, or even afford the mortgage? Make sure your loved ones are looked after once you’re gone. Life insurance protects them from financial hardship by providing a one-off lump sum payment at one of life’s most difficult times.

Plan B for mortgage costs

Advice on how you can protect your mortgage payments

A PLAN TO STAY IN THE PLACE YOU CALL HOME

Keeping a roof over your head is never more important than when you’re sick or injured. Whether you’re paying rent or a mortgage, the cost probably represents a large chunk of your income. So, what happens if you’re unable to earn for an extended period of time? An accident or illness during your working life is a real possibility, and leave entitlements often don’t cover the full loss of income. Mortgage repayment insurance will ensure your mortgage or rent payments are covered if the unexpected happens.

Plan B for your business

Keep your business going with advice on Business Insurance

ALWAYS KEEP YOUR BUSINESS OPERATING

Accidents and illnesses happen unexpectedly, and having a key person out of action for months, or indefinitely, can have a serious effect on your company’s ability to operate. Productivity can drop, profits can fall, and loans may be called in at short notice. Safeguard your livelihood by protecting your business from the unexpected.

Plan B for your people

Employee benefits and KiwiSaver help your team with their Plan B

PROVIDING YOUR STAFF WITH A PLAN B

Create a healthier, more engaged workforce by offering your employees workplace benefits like insurance cover and KiwiSaver. Our consulting team can help you design the perfect plan B for your staff. Advice Financial’s group benefits consulting team will help you design a programme that meets the needs of you and your employees, including advice and consultation on benefits such as: KiwiSaver, HealthCare, Risk analysis, Communication, Education and General consulting.

Plan B for your health

Health Insurance gives you access to the healthcare you need

TAKE CONTROL OF YOUR HEALTHCARE

New Zealand has a great public healthcare system for emergencies and serious conditions, but rising costs and a growing population mean the diagnosis and treatment of less urgent conditions can come with a significant waiting period. If this is your plan A and you become ill, you could experience a significant negative impact on your quality of life, unless you’re prepared to pay the high cost of private medical care. Don’t leave your health to chance.

Plan B for your income

Keep going when you can’t work with income protection

FINANCIAL SUPPORT WHEN YOU NEED IT MOST

Have you ever considered what would happen if an illness or accident prevented you from working for three months? What about six months, or longer? Would you still be able to pay for your mortgage, your household bills, and all of life’s little expenses? Choosing income protection as a backup plan for your regular salary means that should the unexpected happen, you can rest assured you’ll still be able to maintain your current lifestyle.

Plan B if you get sick

Take care of the cost of illness with Trauma Insurance

LOOKING AFTER YOU FOLLOWING TRAUMA

Trauma insurance provides you with a one-off lump sum payment if you suffer from any of the illnesses or injuries specified in your policy (including cancer and heart attack), giving you financial stability when you need it most. You can use the money for anything you like. Trauma insurance provides you with a lump-sum payment to help you deal with the costs that arise from suffering a serious illness or injury.

Plan B for your ACC

Get the most out of ACC and manage cost for your business

GET MORE OUT OF ACC WITH COVERPLUS

ACC is a great plan B for anyone who is injured while in paid employment, but sometimes it doesn’t provide you with everything you need to maintain your standard of living. Get the peace of mind that comes with knowing exactly how much coverage you’ll get from ACC, plus a range of other benefits. At Advice Financial we’ll help you design or restructure an ACC Coverplus Extra plan for your business quickly and easily.

A TRUSTED TEAM

– Key People

If you’re looking to design the perfect plan B for you and your family, then you’re in great hands at Advice Financial.

Our highly-experienced and qualified advisers bring you a breadth of knowledge and passion for excellent service when helping you work out your life’s backup plan.

JAMIE COLTMAN

– Managing Director –

Jamie has worked in the Financial Services Industry for over 25 years as an adviser and in senior management roles with Sovereign and Royal & Sun Alliance. He established Integrate FS Ltd in August 2001, which now trades under the brand of Advice Financial.

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Jamie is a Registered Financial Adviser (RFA) and holds a Bachelor of Agricultural Commerce degree from Canterbury University.

MARCUS BROWN

–  Adviser –

Marcus is a Registered Financial Adviser who specialises in Personal Risk. His advice includes Health Insurance, Income Protection, Trauma, Total & Permanent Disablement, Life Cover and Business Insurance/ Protection.

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A dedicated person who will apply a good knowledge of personal risk insurance and communication skills to effectively make a significant contribution to the clients protection. A people-focused and responsible leader committed to achieving success and providing quality service and timely results. A sociable person who enjoys a good work/social/sport balance.

KIRSTY McALPINE

– Office Manager –

Kirsty is the friendly voice at the end of the phone for Advice Financial’s clients. With 23 years of banking and finance experience in New Zealand and the United Kingdom, Kirsty is able to help clients with any questions they may have. She handles any claims that arise, and keeps the Advice Financial business humming.

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A big focus of Kirsty’s is a healthy work life balance, and spending time with her family following their various sporting pursuits.

A TRUSTED TEAM

– Key People

If you’re looking to design the perfect plan B for you and your family, then you’re in great hands at Advice Financial.

Our highly-experienced and qualified advisers bring you a breadth of knowledge and passion for excellent service when helping you work out your life’s backup plan.

MATT KEETON

– Adviser –

With an experience in the life industry spanning over a 30 year period his focus and passion has always and still remains about helping people create a safety net when needed most. He is a registered financial adviser (RFA) and belongs to the adviser institute group Kepa.

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Matt specialises all aspects of Risk Management for families and business owners. He is passionate about providing insurance solutions that fits the client’s individual needs, to safeguard their financial security.

CAREY CHURCH

– Adviser –

Carey is an Authorised Financial Adviser (AFA). She has spent all of her professional career helping companies and individuals to make their money work for them. In 1983 she completed a BSc majoring in Economics and Earth Sciences at Waikato University. She followed this with a post-graduate Diploma in Applied Finance with Finsia in Australia.

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For the next 26 years Carey worked with a variety of clients in both countries, including the trustees of corporate superannuation schemes and individuals to help them achieve their personal lifestyle and wealth goals. She also worked in senior management roles in international companies, dealing with superannuation, and financial issues concerning women and small businesses.

PETER CHURCH

 – Adviser –

Peter is an experienced financial planner and an Authorised Financial Adviser (AFA). In 1997 he established Moneyworks with his wife Carey. Peter was heavily involved in the strategic direction and management of Moneyworks, becoming Research Manager in 1998, learning about relevant issues relating to financial products and the industry in general.

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Peter enjoys seeing insurance solutions work for clients. He has also worked closely with Paul in recent times to assist clients with their mortgage solutions. Peter is also passionate about educating clients and assisting them in understanding the financial issues facing them.

PAUL SWARBRICK

– Adviser –

Paul joined Moneyworks in 2012 from a long career in banking, finance and commercial financing. During this time he assisted many clients to arrange finance for their homes and projects and had a stint in Papua New Guinea in Sales Management.

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Paul brings new skills to Moneyworks and this has enabled Carey and Peter to provide additional advice to our clients in relation to their mortgages. Paul has worked with insurance clients for the last five years and provides us with his valuable knowledge of the new and innovative insurance solutions available in the New Zealand market.

LATEST NEWS

– Articles from our advisers

Find our regular newsletter as well as informative columns on some common risk and insurance issues and considerations, produced by our experienced advisers.

If there’s any product or topic you’d like more information or thoughts on, please get in touch so we can consider this for future articles.

LATEST NEWS

– Articles from our advisers

Find our regular newsletter as well as informative columns on some common risk and insurance issues and considerations, produced by our experienced advisers.

If there’s any product or topic you’d like more information or thoughts on, please get in touch so we can consider this for future articles.

OUR ‘SHE’LL BE RIGHT’ ATTITUDE IS KILLING US

OUR ‘SHE’LL BE RIGHT’ ATTITUDE IS KILLING US

This article originally appeared on Stuff.co.nz on the 13th of November, 2017.

Eighteen months ago, I wrote a story on Stuff Nation about our dangerous perception of mental health and our looming crisis. I am ashamed and saddened that since that story, another 606 Kiwis have taken their own lives. What’s more alarming is that 457 of those are men. That’s 75 per cent and indicative of a sinister problem in our country. […]

DOES INSURANCE COVER MENTAL HEALTH?

DOES INSURANCE COVER MENTAL HEALTH?

Even if you have no personal or family history of mental health issues, it’s important to be aware that they can affect anyone at any time. Over 700,000 New Zealand adults have been diagnosed with either depression or anxiety at some time in their lives. Seeking treatment is a big part of the road to management or recovery of a mental health condition, but does your insurance cover that? […]

HOW DO I TAKE CARE OF MY MENTAL HEALTH?

HOW DO I TAKE CARE OF MY MENTAL HEALTH?

In our previous article, we talked about New Zealand’s mental health crisis, and how to recognise the signs of depression or anxiety. If you are feeling depressed or anxious, here are some self-care tips that may help. […]

WHY DOES NEW ZEALAND HAVE A MENTAL HEALTH CRISIS?

WHY DOES NEW ZEALAND HAVE A MENTAL HEALTH CRISIS?

There’s no denying that, when it comes to mental health, New Zealand has a major problem. It seems unthinkable that in a country that ranks top ten in the United Nations’ 2017 World Happiness Report, we are struggling so much with depression and other psychological illnesses. […]

WHAT OUR CLIENTS SAY

CONTACT YOUR PLAN B EXPERTS