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Our solutions

As each organisation is different we get to the heart or what makes the business tick and then we work with you to ensure that there is a solution that creates positive results for you and your people.

Health care



Financial literacy

Health cover

Healthcare for your people

People are your business' biggest asset, and providing staff health insurance is a great way to look after them. Health cover not only helps to retain and attract the best talent, but also provides your staff with the confidence and peace of mind that their health is taken care of.

With a health insurance plan for your employees you are providing a benefit that can't be purchased as a retail client. This is because of the inclusion of pre-existing conditions in the policy. Health insurers are able to offer this due to the number of people in the health plan.

Sara's story

NAME: Sara 

AGE: 24 



BACKGROUND: Sara was diagnosed with endometriosis as a teenager, prior to joining her company. If she was to take out insurance as an individual, endometriosis would have been excluded from the policy at the time of application.

The company that she started working for had health insurance for their staff, and when she joined the company she was automatically added to the policy.


While working for the company, the endometriosis reoccurred. Now she was suffering pain and discomfort and having to take time off work regularly. This was impacted not only her quality of life, but the company as well.


A surgical intervention was then recommended by her gynaecologist to correct this issue.

SURGICAL CLAIM: Laparoscopic surgery for endometriosis

As Sara's employer had this cover in place, she was able to have the surgery completed within two months, and returned to work soon after.


As a result of the surgery, her lifestyle was significantly improved as she no longer had to deal with the regular pain and discomfort, her employer did not have their business impacted by a Sara's illness, or delays in waiting for surgery through the public system.


Every busy is different and it is important to determine the purpose of the health insurance plan, and adjust the products to suit your needs.

There are a number of different options that can be chosen to fit a policy to meet your business' needs. Some things to consider are:

  • Cover for all of your people, or a smaller group (such as senior management)

  • Cover to start as soon as an employee joins, or after a set tenure

  • Is there an excess on the policy

  • Are other options included beyond the surgical cover

    • Specialist consultats

    • Dental and optical

    • GP visits


Living and life benefits

Like health insurance, choosing an insurance product for your people provides them with the benefit of obtaining insurance that some staff members may not ordinarily be able to get.

With this type of insurance, past, and ongoing medical history as well as family history affect insurance, and can result in medical exclusions on the policy, or an increased cost due to risk factors. 


There are different insurance options available to suit the needs of the business. The cover can be one type of insurance, or a package of different products.

These benefits can be calculated as a lump sum, or a multiple of salary.


These products that can be included are:

  • Life insurance - paid upon death or terminal illness

  • Total Permanent Disablement - Paid if you are never able to work again.

  • Trauma cover - A lump sum if you are diagnosed with a serious medical condition (eg. cancer, stroke, heart attack)

  • Income protection - a monthly benefit for each month that you can't work.

With these types of cover, the employee's personal insurance can be reduced, or additional parts of the cover can be added on to the cover at the employee's own cost.


KiwiSaver and Superannuation

Every New Zealander should have access to financial advice. It's not just for wealthy people. It's a key tool in helping your employees build the financial future they want.

That's why we think it's important to give your employees access to financial advice.


With KiwiSaver balances increasing, often people have significant balances, and don't know much about the fund that they are in, and consequently could be exposed to too much volatility or not taking advantage of a higher growth scheme, over a longer period of time.

Investors with a financial adviser have been estimated to achieve 3% pa more than without an adviser

This can lead to approximately 250% more in retirement savings

1. Francis M Kinniry JR CFA et al "Putting a value on your value: Quantifying Vanguard Advisor's alpha"
2. The future of retirement Power of Planning, HSBC 2011

There are three main aspects to getting quality financial advice for your employee's KiwiSaver.


Set your path

Your financial adviser will help you find the right financial path for you. They’ll work with you to set out a plan for your financial future.

Protect and grow your wealth

Your adviser will identify the products that suit your life right now, as well as planning ahead for future events. It’s their role to work out what solutions are the right fit and advise you on suitable options.

Peace of mind

When life happens, your financial adviser can help with navigating difficult or unfamiliar territory. They can take on some of the load, so you can focus on the important stuff.

What we do

We will set the company up with one of five top performing KiwiSaver providers, that suits the needs of your people.

We are then available to discuss the correct fund for each employee individually, taking into account their stage in life and attitudes to risk.

This would also automatically put new employees into this scheme (unless they opt for their own fund), and allows us to help them with their fund choice.

We also provide financial planning for the following

  • Modelling retirement savings

  • How long will it take to save a house deposit

  • Further investment into KiwiSaver, or a separate managed fund

Financial literacy

Financial literacy

Employees who have good financial literacy have less stress and are more focussed at work. By assisting your people to sort out their finances and create a way forward, you will not only be looking out for the best interests of your employees, but you will also be improving your business.

Overall, teaching employees financial literacy is important because it enhances their personal financial well-being, improves workplace productivity and job satisfaction, promotes retirement readiness, maximises benefits utilisation, and protects against financial fraud. By investing in the financial literacy of your people, you foster a more financially secure, engaged, and loyal employee base, ultimately benefiting both the individuals and the organisation as a whole.

2 out of 5 employees

Will struggle with

Understand their payslip

Understand KiwiSaver

Credit card & loan options


of New Zealanders are not confident about managing money on a day-to-day basis.

1. Francis M Kinniry JR CFA et al "Putting a value on your value: Quantifying Vanguard Advisor's alpha"
2. ​2021 New Zealand Financial Capability Survey, conducted by the Retirement Commission

Why financial literacy?

  1. Personal Financial Wellbeing: Employees who are financially literate can effectively manage their personal finances. By understanding concepts such as budgeting, debt management, and investing, employees can improve their financial stability, reduce stress related to money, and work towards achieving their long-term financial goals.

  2. Workplace Productivity: Financial stress can significantly impact an employee's productivity and focus at work. By providing financial literacy education, employers empower their employees to make sound financial choices, reducing financial stress and allowing them to concentrate on their work responsibilities.

  3. Employee Retention and Job Satisfaction: Financial well-being is a critical factor in overall job satisfaction. When employees feel confident about their finances and have a clear understanding of their financial future, they are more likely to be content with their job and remain loyal to their employer. 

  4. Retirement Readiness: Many employees may not fully comprehend the complexities of retirement planning, including the importance of starting early, calculating required savings, and understanding investment options. 

  5. Workplace Benefits Utilisation: Many employers offer various employee benefits, such as retirement plans, health savings accounts, or flexible spending accounts. However, employees may underutilise these benefits if they lack the necessary financial knowledge to maximise their potential. 

  6. Financial Fraud Awareness: Financial literacy equips employees with the knowledge to identify and protect themselves from financial scams and fraud. Employees who understand basic financial concepts are more likely to recognise warning signs, exercise caution when sharing personal information, and make informed decisions when it comes to financial transactions. This reduces the risk of employees falling victim to fraudulent schemes that could harm both their personal finances and the reputation of the organisation they work for.

What we do

We can provide a range of tools both online and in person. that can assist your employees with the following commonly asked questions:

  • How do I reduce debt?

  • What do I need to do to buy a house?

  • Should I buy a rental property or invest in a managed fund?

  • How much do I need to retire?

  • Should I invest or reduce debt?

This service does not necessarily incur a cost, it may be included free of charge for clients who have engaged in our other services.

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