As a financial adviser in New Zealand, I often see business owners overlook the critical aspect of shareholder protection. This form of insurance is designed to safeguard your business if a shareholder becomes critically ill, disabled, or passes away.

As a financial adviser, I often talk about the importance of planning for the future, managing investments, and saving for retirement. But today, I want to discuss something equally crucial: your health. November is Men’s Health Awareness Month, also known as Movember, and it’s the perfect time to get caught with your pants down – metaphorically speaking – and take a good look at your health.

Don’t cancel it – choose an excess. This change can save you hundreds, even thousands of dollars.

Many people consider cancelling their medical insurance due to rising costs, unaware of their options. This concerns me because once you cancel your policy, it can be difficult to get it back.

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