We often get asked about what advice is for and its value. Advice is for many things, but it all comes down to making sense of Life’s defining moments.

It may be difficult to see how this applies so here are some ideas.

In tough economic times why is it that personal insurance is the first expense that most people think is fair game to reduce the cost of or cancel completely.

I don’t disagree that insurance products are a purchase that is often made begrudgingly. What is there to show for them other than a folder full of terms and conditions and jargon most don’t understand.

 What is the biggest risk of loss to your KiwiSaver, that does not get talked about?

Everyone seems to be obsessed with Mortgage rates, they are the main topic I see around. My social media ads are bombarded with Mortgage advisers telling me now is a good time to refinance for better rates or free money and I’ve been hearing about the “trend down”, or the “expectations” of rate drops etc.