If you have shareholders – have you got a shareholder agreement in place backed by insurance?
Have you got a KiwiSaver scheme managed for you and your employees?
If key people could not work in your business – are you protected?
Are you taking advantage of the best ACC plan for your situation?
So many questions that need answering…
Breathe.
With a combined 45 + year’s experience, we have seen it all. We can help you with all of these questions and any others you may not have even considered yet.
Protect the capital value of your business.
Having a shareholders agreement to protect you and your investment in the company is not enough. Imagine what would happen if a shareholder becomes unable to work or dies unexpectedly, and their shares are passed on to their children or spouse.
You might find yourself in business with an unexpected partner, and if you wish to buy out the shares at the agreed price, you might have to face a difficult and costly situation.
We understand that you want to protect and own what you have worked so hard to achieve.
Shareholders protection insurance is a perfect solution for businesses that are owned by multiple shareholders or partners. For your peace of mind, it is the most cost-efficient way of raising the funds available to buy out the shares of your deceased or disabled partner.
Our team are here to support you. We take away the headaches, create a plan that matches your goals and do the work we can to make it easier.
Protect your key people.
What if something unexpected happens and you lose one of your key people? Would you be able to replace them?
We understand that losing a key person could be catastrophic for your business. But imagine if you could get help towards replacing your key person for one or two years without actually losing any money or having to close down.
It is not too good to be true. Key person insurance helps you to do just that and keep your business running.
In a free discovery session, one of our experienced advisors will discuss your situation and help you determine the best key person insurance for your business.
Protect all aspects of your business.
Every business need is different and your business may need different sets of insurance according to who you serve and what you provide.
We understand that being so busy running your business, you might not even think about protecting it until it might be too late.
During the free discovery session, one of our trusted advisors will help you find the best protection for your business, whether it be liability insurance, material damage or the need to cover any interruption to your business operations. Covering your specific risks will help you sleep at night.
Some time ago we spoke to an Auckland business owner
Sheryl is a fantastic lady. She owns a cake store on a 50/50 partnership with Carmel.
They are both one hundred percent involved in the business and without either one of them, the cake store would be in trouble and might not be able to survive.
They made the choice to book in a free discovery session with us. We took the time to assess their shareholders’ agreement and business insurances. They did not have key person insurance into place and they were not sure about what to do if either of them became unable to work. We were able to advise them on the best key person insurance available for them and set it up in no time.
When a couple of months later Carmel had a serious accident and was not able to turn up to work, the cover helped towards replacing Carmel so that Sheryl could keep their business running without losing thousands of dollars or having to close down.
The Discovery session is about putting your mind at ease. Sometimes we can’t help – and that’s ok. You at least leave the conversation confident you have the right protection for your situation.
But if we can help. You will have a team beside you taking the weight off your shoulders.
Would you like the peace of mind that you and your business are fully protected?
It starts with a financial discovery session
In this session, we look at where you are now, where you want to be and look at the roadblocks. We can help with mortgages, insurance, KiwiSaver and other vehicles to get you there faster.
Happy Clients
How we work with you…
Working with a financial adviser is unknown to many. But we have a really clear 5 step system that we have been refining for years that gets results.
Step 1:
Book A Session
Step 2:
Level Up Session
Step 3:
Implementation
Step 4:
Assess & Adjust
Step 5:
The Journey
The next step, to peace of mind…
Every client we talk to is different. Different risks & outcomes. Take advantage of our FREE no-obligation Financial Discovery Session. We will have a good comprehensive chat to address your specific needs and goals.
We will cover several points including:
- Understand where you are in life & see where we are starting from.
- Suggest a realistic risk plan, so you know you're protected if something didn't go quite as planned.
- Consider your current debt and see where you can pay it off cheaper or quicker to get you to your goals.
- Discus your legacy and what that looks like & means to you.
- Answer any questions you have, that have been weighing on your mind.
One of our financial designers will conduct the session, which is normally valued at $150. However, we are offering the session FREE to people that are serious about wanting to get the best out of their financial plan. This is a no obligation session. It is about understanding what you need and making, positive suggestions.
It’s about protecting your future
Our team are here to support you. We take away the headaches, create a plan that matches your goals and do the work we can to make it easier.
Frequently asked questions
Do you work with people all around New Zealand?
Yes we do. We are based in Auckland but have clients up and down the country. We use Zoom meetings & phone calls to help you through our proven process.
What’s your history and why should I choose you?
Financial Design Group started over 7 years ago with a team of advisers who thought things could be done better. We decided to focus on the person & situation not just a product. We work with you to design something you feel great about - everything you want and nothing you don't need. Learn more about us on our story page.
What services can you help with?
Our team can help with Insurance, Mortgages, KiwiSaver, Wills & Trusts and more.
We start with a discovery call to look at what you want help with and look at a holistic financial plan to help you achieve your goals.
Why should I talk to you not just a bank or insurance company?
As advisers we work with a variety of providers and from reading thousands of policy descriptions (yes it is as boring as it sounds) we understand how different the fine print can be.
As a client of ours we can work out what is most important to you and pull together products and services from the top providers that match your needs.
Whether you move banks for your mortgage or insurance providers in the future, we will be with you for the long run.