Are you feeling overwhelmed by all the decisions to be made to protect your business?
Are you overpaying your ACC? Do you know?
Am I getting what I deserve out of KiwiSaver?
Have I got the right risks insured?
Will I actually get paid out if I need it?
What happens if I can not work?
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.
In our time, we have found that over 60% of self-employed people we see can set up their ACC better. Even if they are covered by ACC, many are overpaying or missing out on getting more cover for a better price.
We understand that whilst you’re great at what you do, keeping an eye on ACC, KiwiSaver & risk insurance is not your top priority. With so much pressure, you focus on what needs attention now.
But what we see far too often is that by the time these things need attention… it’s already too late.
A claim does not get paid when you need it most.
You miss out on KiwiSaver contributions you could have sorely used,
or something that’s out of your control happens and you are left footing the bill (which you could have been easily insured for).
That’s why we do all the heavy lifting for you, after all, you built your business, all the hard work, sweat and tears that it took – it’s worth protecting right?
This makes it crucial you have a team in place who do the research, understand the tools out there (risk insurance, ACC & KiwiSaver).
The old saying ‘it’s not what you don’t know that hurts, it’s what you don’t know you don’t know that really stings you later’ or something like that.
Recently we worked with a medical professional
He is a fantastic guy who really loved his patients. But did not really have time to look after himself.
He made the choice to book in a free discovery session with us and by the end of our 5 step process, we were able to lower his future ACC payments while retaining great cover.
He got a refund of $7,680.
We also made sure his KiwiSaver was set up correctly to get the best tax benefits & return for his stage of life.
The financial discovery session put his mind at ease so he could get back to doing what he does best. Sometimes we can’t help – and that’s ok. You at least leave the conversation confident that 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.
We have had similar success with IT Professionals, contractors, builders, tradespeople and all varieties of self-employed people.
Would you like peace of mind?
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.