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

JAMIE COLTMAN

– Founder –

“When you have a safety net/ Plan B to protect you at all times, you have more flexibility, be it in daily life or long term investments. So, our ultimate goal is to help our clients build financial freedom.”

Jamie has worked in the Financial Services Industry for over 30 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 as Advice Financial.

Read more >

Jamie is a Registered Financial Adviser (RFA) and holds a Bachelor of Agricultural Commerce from Lincoln University. Jamie also holds a Level 5 Certificate in Financial Services.

Marcus Brown

MARCUS BROWN

–  Director –

“Our goal is to grow, but not lose our personal touch with clients. We want to build long-term relationships and that means listening to our clients, being available at all times, and going that extra mile.”

Marcus has spent 5 years in the financial industry and has been awarded as top-performer every year. His role as a senior advisor is to help manage risk with bespoke solutions to match each client’s needs.

Read more >

Marcus is a Registered Financial Adviser (RFA) and holds a Bachelor of Commerce (Horticulture) from Lincoln University.

Tom Coltman

TOM COLTMAN

–  Director –

“We always put the client at the centre of our business. We value long term client relationships and have the expertise to assist you through the most challenging underwriting and claims situations.”

Tom’s unique skill set includes a legal background and more than 13 years of experience in financial markets and risk management. He is at the helm of the Advice Financial team and he will help you take an active role in creating your perfect insurance plan.

Read more >

Tom is a Registered Financial Adviser (RFA) and holds a Bachelor of Laws & Bachelor of Commerce (Accounting) from Otago University. Tom also holds a Level 5 Certificate in Financial Services.

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.

Hamish Coltman

HAMISH COLTMAN

– Adviser –

“Safeguarding your most important asset, ‘you and your family’, is my number one goal! Having first-hand experience with a major neck injury, I know and appreciate the value of comprehensive Insurance”.

Hamish has recently returned from Uganda after setting up the Growth Educational Trust, a Charity that provides life-changing educational scholarships and support to rural children in need. He comes from an Insurance background with over 5 years’ experience working within the financial services industry. Hamish is here to help you put your Plan B into effect.

Read more >

Hamish is a Registered Financial Adviser (RFA).

Jess Coltman

JESS COLTMAN

– Operations Manager –

“My family is my number one priority and I know how important it is to have cover when the unexpected happens. My mission is to help our clients create this perfect plan B and keep the Advice Financial business humming behind the scenes.”

Jess is the friendly voice at the end of the phone for Advice Financials’ clients. She’s here to help you with any questions you may have. Jess will handle your application process from start to finish and any claims that arise.

Read more >

Jess holds a Bachelor of Physical Education & Bachelor of Science from Otago University.

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.

We’re here for you during COVID-19- FAQ’S

We’re here for you during COVID-19- FAQ’S

Can I still increase my Life insurance or apply for new Life cover at this time?
Yes, you can still increase your Life insurance cover and apply for Life cover during this time. At this stage, there continues to be no exclusion for a pandemic. However, there may be some exclusions applied if you plan to travel.

Is there an exclusion on Life cover or pandemics?
No, there is no exclusion on Life cover for pandemics.

Is there an exclusion on Health insurance for pandemics?
No, there is no exclusion of Health insurance for pandemics, however the Ministry of Health (MOH) will cover the cost of your hospitalisation if you’re admitted to a public hospital with COVID-19. For expenses that aren’t covered by the MOH, please contact your advisor or check your policy wording.

Please be aware that in New Zealand most health insurance policies have an exclusion for acute medical conditions and observations. An acute medical condition means a sign, symptom or condition that needs hospital admission for treatment or monitoring, immediately or within 48 hours.

Will I get paid Income Protection if I have to self-isolate?
No, you will not be eligible for an Income Protection pay out because of self-isolation, unless you are off work due to illness or injury.

Will I get paid Income Protection if I get sick with COVID-19? 
Yes, you can be paid income protection if you’re unable to work due to any illness or injury. Your cover will start after your ‘wait period’.

Nibs Top five claims in May 2019

Article published in May 2019 nib newsletter

87125-nib_Take5_newTemplate_31.jpg

At nib, it’s our mission to support your clients’ better health. And its stories from real Kiwi families that have needed to use their cover to stay healthy or get better that remind us why we do what we do. Below are the top claims from nib members last month, reminding us how valuable comprehensive health cover really is:


Amount Details
1
$123,222.30
Spinal surgery
2
$87,214.70
Treatment of breast cancer
3
$79,709.42
Spinal surgery
4
$71,850.77
Cardiac bypass surgery
5
$71,629.56
Aortic valve replacement
Take5-top-claims-graphic.jpg
PROPOSED KIWISAVER TAX CHANGES

PROPOSED KIWISAVER TAX CHANGES

This article originally appeared on nzhearald.co.nz on the 28 February, 2019.

Proposed changes to KiwiSaver have been designed to redistribute wealth across New Zealand, with the Tax Working Group working on new initiatives to boost savings for low and middle income earners while reducing them for higher income earners. People earning up to $70,000 a year are likely to see benefits under the proposal, most of which will outweigh the extra taxation. Despite these intentions, not everyone is on-board with the proposals, with some critics warning of new complications and unintended consequences.

 

[…]

Kiwis fear being judged as ‘odd’ or a ‘nuisance’ as they cut their environmental footprint

Kiwis fear being judged as ‘odd’ or a ‘nuisance’ as they cut their environmental footprint

This article originally appeared on Stuff.co.nz on the 13 February, 2019.

Many of us are rather weak-hearted when it comes to telling businesses what we want in return for our dollar.

The idea of exerting our consumer power frightens many of us.

Colmar Brunton’s Better Futures report, published this week, reveals Kiwi consumers’ desire to lead sustainable lives.

One section of it revealed some of our rather timid attitudes.

[…]

WHAT OUR CLIENTS SAY

CONTACT YOUR PLAN B EXPERTS




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