Life Insurance has announced they will be offering a discount on lump sum covers for new retail customers who have a Body Mass Index (BMI) within a certain range, as part of its new Incentive.

Very simply a 600,000 rental property all paid off takes time, tenants &  too much stress
and Super is not super as again it takes many years depending on earning rates, how must you invest & yes the net returns & finally will Government change the rules because they can.

Hi I quickly wanted to wish you a Merry Christmas.

Stay well and enjoy the holidays.

Looking forward to catching up in the New Year.


Even if you do spend less today by not exercising or eating right, you’ll eventually spend more in dealing with the consequences of poor health.

as only in this last 1 hour i chatted with a man who sadly lost his wife earlier this year & still not resolved with the Public trustee

& he  estimates the  cost closer to 10k & not the 7k they estimate
Lets save time & stress later by actioning today
here is the link to do from your couch this w/e and estate specialists selected as best in class in the state

What they dont tell you!!

We are currently in the actioning of a financial plan which means to act in his best interest we need to know exactly what the client has today.

He does have a very good Income protection & life cover placed by another adviser.

All very good & it retains cover when cashflow is sad during the not uncommon months of unemployment.

However it is drawn 90% from his equity in his super which means a lot less in retirement capital.

On 3/09/2020 9:34 am, J***** wrote:
> Hi John,
>  > Some exciting news. L***** age pension has finally been approved!
> Not only will he be receiving payments from 14th September, but payment has been backdated to January, when the original claim was submitted (and which Centrelink lost)

How long do you want to be under some form of care???

Not one extra day IMHO

Not well is very expensive.

eg As i was talking with a manager this week im very aware that in his early 60s he has had to renovate his bathroom to have it level so he can push is stroller around.

He has told me that it cost 30k.

Life style is expensive & self discipline & prevention is so much smarter.

eg the sparkie we meet only this year aged 36 who has had a TPD payout of 400K for chronic fatigue.

That won't earn much or go far & when he was FIFO earning plenty then his lost future earnings is millions.

Let me know if you want to move forward & get serious.


Complying with the best interests duty

RG 175.267 Section 961B(2) provides a ‘safe harbour’ for advice providers.

If an advice provider can show that they have taken the steps in s961B(2),
they are considered to have complied with the best interests duty.

Book a free 10 minute call and learn insights from our work with clients over the past 36 years

RG 175.268 The safe harbour requires an advice provider to:

(a)identify the objectives, financial situation and needs of the client that were disclosed by the client through instructions;

:(i)the subject matter of the advice sought by the client (whether explicitly or implicitly);


( ii)the objectives, financial situation and needs of the client that would reasonably be considered relevant to advice sought on that subject matter (client’s relevant circumstances);

(c)if it is reasonably apparent that information relating to the client’s relevant circumstances is incomplete or inaccurate, make reasonable inquiries to obtain complete and accurate information

Book a free 10 minute call and learn insights from our work with clients over the past 36 years

#financialadviser #financialadvisor #financialwellbeing #financialplanner #financialfitness
What’s your strategy going to be for making sure this doesn’t happen?

Contact today if you want to move forward & not stay where you are.


Get Sorted

“Retirement This is a topic that bamboozles many adults, with 13 per cent unsure of what their main sources of income would be in retirement, and another 30 per cent having no idea how much money they’d need to saved or invested to have a comfortable retirement.”

so we read from an online NZ Stuff article titled “Third of adults would fail school money course for teenagers”

and it continues with “About a third of adults would benefit from going back to school to do a new taxpayer-funded money management NCEA course designed for their children.

The Sorted for Schools NCEA course for children aged 14-17 was created by the Commission for Financial Capability (CFFC), but its research indicates many adults lack the money management, saving, debt, goal setting, insurance, investing, KiwiSaver and retirement skills it's designed to teach to secondary school children”.

The results in Australia are no different when 76% of retirees require some form of government support.

In 2020 this has been demonstrated with 2 million requesting funds for their super as they were not prepared for the inevitable “Rainy Day”.

Now is the time to take a 5 min financial check up & ‘Get Sorted’.

John McAuliffe

John Michael McAuliffe AFA, DipFp., BSc., DipTeach.