What to know, what’s on offer, and… what cover you might already have. Typically, you insure your car, house and income without a second thought. However, insuring your children can feel different, harder to think about, and easy to put off. Yet it’s worth understanding why insuring your children can be worthwhile, what is available, […]

If you’ve ever chosen a KiwiSaver fund based on your age or how far off retirement or purchasing your first home you are, you’ve made a sound first decision. Growth funds through your accumulating years, moving toward balanced and conservative as you near key milestones: that guidance holds true and remains the right starting point. […]

Thinking about upsizing but unsure whether now is the right time? In a flat or softly declining property market, the maths can actually work in an upsizer’s favour – because the dollar saving on a more expensive purchase is typically larger than the reduction in your sale price. Threefold breaks down how the numbers work in New Zealand’s current market, what buyers need to know about negotiating power and mortgage readiness, and why being financially prepared matters more than timing the market perfectly.

Most people with insurance assume they’d know if they had a claim to make. This article is about personal insurance reviews: why they matter, what they uncover, and why two of our clients received payouts they didn’t know they were entitled to until they sat down with an adviser.

From 1 April 2026, KiwiSaver default employee and employer contribution rates rise from 3% to 3.5%. Here’s what’s changing, what your options are, and what to do next.

Most people think they need 20% to buy a home in New Zealand. The reality is more flexible. We explain what you really need including the 20% rule, using KiwiSaver to buy a home, LVR, and your options as a first home buyer.

“How much can I borrow?” is often the first question people ask when they start thinking about buying or upgrading their home, or investing in property. It sounds simple, but the answer is rarely just a number on a calculator. In reality, your borrowing capacity is shaped by a mix of income, expenses, your credit […]

Insurance is often something you set up and then hope you never need. Policies are arranged, documents are filed away, and life carries on. But when something goes wrong – like a burst pipe, a house fire, a vehicle accident, or a major business interruption – this is when the real value of having an […]

Early on, careers are usually about getting a foot on the ladder. Those early years often involve regular promotions and steady rises in income as you gain experience and take on more responsibility. But as you move through the years and your salary rises, one area that frequently lags behind is personal insurance.  When your […]