Do you ever feel like you're paying more than you should for everyday expenses? You're not alone. Many Kiwis are unknowingly shelling out extra cash in the form of “lazy tax”, a sneaky surcharge that’s the result of sticking with the same service provider without exploring better deals. But there is help! With proactive effort, it’s possible to break free from the lazy tax trap and keep more money in your pocket. Here are 3 tips that may help.

Homeowners reaching retirement age often think about downsizing the family home to help fund retirement. For those facing this decision, it’s important to consider the emotional, physical and financial impact that moving out can have. For older Kiwis who may be feeling the pinch, there are alternative finance options available, such as a reverse mortgage, that allow you to release equity from your home, without the need to make regular repayments. Find out if a reverse mortgage is right for you.

Navigating the complex landscape of insurance can feel a bit like negotiating a minefield, with hidden hazards ready to trip up even the most diligent of consumers. Amongst these are six common insurance pitfalls which are often overlooked yet have the power to leave Kiwis without enough cover or entirely excluded from their expected benefits. Find out what to look out for and get practical advice on how to avoid these common insurance pitfalls.

‘It will all work out’ – How one mortgage adviser's trust in the journey has helped her clients reach their destination...

Annabelle (Belle) Lewis’ start to the financial advising industry was a unique one. Originally, she had planned to have a career in political science, but merely three weeks after graduating with a master’s degree in international relations and diplomacy, the overarching Covid pandemic hit, leaving her with little to no job prospects. In such a competitive industry, instead of letting the pandemic ruin her career plans, Belle strategically pivoted, and decided to focus her efforts on starting a career in financial advising.

Going through a divorce or separation is understandably unsettling, and having to divide shared assets – such as the mortgage – adds an extra layer of complexity. For those facing this situation, it’s important to understand how the mortgage may be affected, as well as the vital role mortgage advisers can play in helping clients navigate three common areas of conflict: managing mortgage repayments, buying out the other person, and agreeing when to sell.

Moving home is often considered one of life’s most stressful experiences. Packing up the home, switching utility providers, and arranging movers are just some of the things that can add to the stress of moving home. Whether you’re moving down the road or across the country, moving to a new home can be a breeze with the right approach. From creating a well-organised plan to decluttering and packing efficiently, these five practical tips will help simplify the process and make your transition smoother.

Life is full of uncertainties and whilst we can't predict the future, we can certainly take steps to prepare for it. General Insurance acts as a financial safety net, safeguarding your home, personal belongings, car and business against unexpected events. From minor inconveniences to major setbacks, General Insurance ensures peace of mind and stability in the face of life’s uncertainties. Here are five compelling reasons why working with an Astute Insurance Adviser for your General Insurance needs can make all the difference.

The start of a new year is the perfect time to assess your financial health and set realistic goals for a financially successful year ahead. Whether you’re a first home buyer, a seasoned homeowner, or just looking to make the most of your financial situation, a proactive and informed approach is the key to achieving financial success. Read on as we share three essential steps to help you reach your financial goals in 2024.

In the realm of health insurance, the adage "Not all health insurance policies are created equal" holds particular significance, especially in light of evolving, less invasive medical treatments. As innovative healthcare options become more accessible, it is crucial to comprehend the nuanced categories that health insurance providers employ, such as Diagnostic, Consultative, Surgical and Non-Surgical procedures, guaranteed wording, as well as unfunded drug cover.

With household budgets already feeling stretched by the rising cost of everyday necessities like fuel and food, splashing out on Christmas presents or a well-deserved holiday can feel overwhelming for many Kiwi families. Fortunately, there’s still time to plan how your money is spent and to manage your finances wisely. Here are 5 practical tips to help you stay on budget this Christmas, without getting wrapped up in holiday over-spending.