Frequently Asked Questions
Explore our FAQs for answers to the most common questions that we get asked.
What does Cave Financial do?
Cave Financial provides personalised financial advice across mortgages, insurance, and investments. We help you make confident financial decisions and build a plan that supports your long-term goals.
Do I need a financial adviser?
If you want clarity, confidence, and a structured plan for your financial future, working with an adviser can make a significant difference. We help simplify complex decisions and keep you on track.
Who do you typically work with?
We work with individuals, families, and business owners at all stages—whether you’re buying your first home, growing your wealth, or protecting what matters most.
How do I get started?
Getting started is simple. Just reach out to us to book an initial consultation, and we’ll take the time to understand your situation and goals.
Is there a cost for the initial consultation?
In most cases, the initial consultation is complimentary. We’ll always be transparent about any fees before proceeding.
How are you different from other financial advisers?
We take a holistic approach—looking at your entire financial picture rather than focusing on a single product. Our advice is tailored, practical, and aligned with your long-term goals.
How often will we review my plan?
We recommend regular reviews to ensure your plan stays aligned with your life changes and financial goals.
What happens if I have a complaint?
We have a formal complaint process in place and are committed to resolving any concerns promptly and fairly.
What should I prepare before meeting you?
It helps to have a general overview of your financial situation, including income, expenses, debts, and any existing insurance or investments.
How long does the process take?
Timeframes vary depending on the service, but we’ll guide you every step of the way and keep things moving efficiently.
Can you work with me remotely?
Yes—we work with clients across New Zealand via phone, video, and email.
Can you help me buy my first home?
Yes—we guide first home buyers through the entire process, from understanding your borrowing capacity to securing your loan and settling on your property.
Do you work with multiple lenders?
Yes, we work with a range of lenders to compare options and find a loan structure that suits your needs.
Can you help me refinance my mortgage?
Absolutely. We can review your current mortgage and explore opportunities to reduce costs, improve flexibility, or better align it with your goals.
What types of insurance do you advise on?
We provide advice on life insurance, health insurance, income protection, monthly mortgage repayment, trauma cover, and business-related insurance.
What types of Business Insurance do you offer?
We offer a wide range of business insurance solutions, including Key Person cover, Business Continuity (Disability) cover, Shareholder Buy/Sell insurance, Debt Protection, Rural Cover, Locum Cover, and ACC CoverPlus Extra advice for selfemployed business owners. We make sure the right amount of money is paid to the right people, from the right source, at the right time, so your business, your people, and your continuity stay protected.
Do you offer Employee Benefits and Workplace Insurance?
Yes. We provide Group Medical Insurance schemes for employers who want to offer cover for their employees and their families. We also offer Group Life, Trauma, and Income Protection options. Because each workplace is different, we’ll work with you to understand your goals and tailor a benefits package that aligns with your business or organisation and your team’s needs.
What about Financial Workshops for our teams?
We also offer a series of workplace financial wellbeing workshops designed to help your people build confidence with money. These sessions cover key topics such as budgeting, saving, debt management, KiwiSaver, buying a first home or investment property, retirement and planning for different life stages. They can be delivered onsite or online and tailored to the needs of your team, supporting a more financially resilient and empowered workforce.
How do I know how much cover I need?
We assess your lifestyle, financial commitments, and future goals to recommend the right level of protection for you.
Do you receive commissions from insurance providers?
Yes, we may receive commissions from providers. These are fully disclosed to you, so you can make informed decisions with complete transparency.
Can you help with KiwiSaver and investments?
Yes, we provide advice on KiwiSaver and a range of investment options to help you grow your wealth over time.
How do you decide what investments are right for me?
We consider your financial goals, time horizon, and comfort with risk to create a tailored investment strategy.
Do you offer ongoing advice?
Yes—financial planning is an ongoing process. We regularly review your plan and adjust it as your circumstances and goals evolve.
