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Why getting the right mortgage structure is key

We are starting to see rates increase on a weekly basis, so now really is the time to be reviewing your mortgage - it's not all about getting the lowest rate possible, but the more they continue to go up, the harder it is going to be to pay that loan down!

Health Insurance: What Are The Benefits For You and Your Family?

If you’re fit and healthy, health insurance can sometimes seem like an unnecessary expense. New Zealand has a great public healthcare system after all, which will take care of you in an emergency or if you have a serious medical condition. So what’s to be gained from paying for health insurance? Well, it’s a question that we are often asked here at Cave Financial and so in this article we look at the benefits of taking out health insurance.

What do you do when the share markets have dropped by 10%, 20% or even 30%?

Are the share market declines keeping you awake at night?

Health & Wellbeing

5 Steps to a Healthier Life

The Benefits of Health Insurance for Your Business and Staff

Have you ever wondered what the benefits are for health insurance?

Nick Maggiulli: How To Feel Rich

A new book by NICK MAGGIULLI explains how to save and invest — and how to strike the right balance between the two. But no matter how much money you are able to accumulate, most people, says Nick, never actually feel rich. Why is that? And what can you do about it? The author addresses these questions and more in this, the second part of a two-part interview with TEBI editor Robin Powell.

New guidelines on the real cost of retirement have been recently released by Massey University

The 2021 Retirement Expenditure Guidelines provide information about actual levels of expenditure by New Zealanders who have retired. Pre-retirees can use this information to prepare for retirement, plan budgets for their desired future retirement lifestyle and provide a foundation from which to determine the amount of money and savings they need to achieve their retirement goals.

Creating a healthier life that works

Food provides us with the energy we need to live. What food we choose will help us live Healthier, Longer, Better Lives.

Trauma Cover - a priceless benefit

Receiving a diagnosis of a major medical condition is life changing, and for many unthinkable. Aside from the emotional impact, there are many practical and financial implications this could pose. Having access to a lump sum of money can help alleviate this impact.

Cancelling out Investment noise

With access to so many sources of information in the modern day, it is hard to filter out what we should be paying attention to, and what is just noise. Your ability to do this could be the difference to how successful you are as an investor.

Invest or pay off your home loan?

Reducing your debt is a risk-free way to use surplus funds, effectively guaranteeing you a return equal to your home loan interest rate.

The ''new regime''

On March 15th 2021, a new law on how financial advice is provided to retail clients will come into effect.

Take more control of your cancer journey

AIA Cancer Care is a specialised type of health insurance that covers costs associated with the diagnosis, treatment, and recovery of cancer. With this new product, you can get access to a broad range of private treatment options and faster access to the latest cancer drugs.

LVR restrictions to be reinstated

LVR restrictions take effect from March 1st, meaning you will need a higher deposit than just a few weeks ago. So what does this mean for you, and will it help cool the housing market?

More people are staying invested in KiwiSaver at age 65

More kiwis are choosing to keep their KiwiSaver going when they reach retirement. Read my thoughts on why in this recent Newshub article, along with other industry experts.

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  • Michael is an expert in his field and really goes the extra mile to ensure a professional, thorough and enjoyable experience when looking for Insurance cover or trusted Financial advice. Highly recommended.

    Johnny Robinson

  • Michael has a wealth of information to share with regards to financial planning...he has always provided valuable information to both my clients and me without being a pushy sales person!

    Vijay Nyayapati

  • I am thrilled with the advice and service Michael provided me for financial planning and for personal insurance. Trustworthy and a very nice chap! I highly recommend his services.

    Andrew Malmo

  • Michael has consistently provided excellent service, financial advice, support and follow-up on insurance services for my business. I would highly recommend Michael to anyone needing clear and honest financial advice.

    James McGoram

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