100% New Zealand Owned with 20 plus years’ experience is a family of professional advisers providing financial solutions in the areas of Mortgages, Insurance & Investments.
Our role experience and access to a wide range of insurers means that we can find the most appropriate cover to protect against the kind of risks unique to you and your business.
We respect the trust we develop with our clients to allow us to guide them through the challenges that life inevitably brings. Setting your goals for the future is just the first step. The key is to put in place a plan that enables you to achieve them.
We can help you work out what you might be able to afford, whether you’re new to property or a seasoned investor. With a few tweaks here and there we can help you get more out of your current home loan, whether your goal is getting mortgage free sooner or funding some home improvements.
PERSONAL & BUSINESS
Why Do I Need Insurance?
You've worked hard to build a solid financial footing for you and your family, so you want to be sure that everything is protected. Accidents and illness can and do happen, and if you aren’t adequately insured, it could leave you in financial ruin. You need insurance to protect your life, your ability to earn income, and to keep a roof over your head.
Why Do I Need Health Insurance?
If you are wondering if you need health insurance, the answer in a word…yes. The New Zealand public health system only gives immediate treatment for acute conditions. If you have a condition which does not need immediate treatment, even if it is serious, then you could end up on a waiting list for months or even years.
Why do I Need Life Insurance?
This lump sum of cash, known as the death benefit, replaces your income and can help your family meet many important financial needs like funeral costs, daily living expenses and college funding. What's more, there is no tax on life insurance benefits.
Why do I Need Income Protection Insurance?
If you value your financial independence you might want to consider Income Protection as the right backup plan for you. No one likes to think that something bad will happen to them. If you couldn’t work due to a serious illness, how would you manage? Could you survive on savings, or on sick pay from work? If not, you’ll need some other way to keep paying the bills – income protection insurance.
HOME & COMMERCIAL
Why Do We Need Mortgages?
You are unique, and so are your mortgage needs. Wright Financial mortgage specialists provide mortgage solutions to fit your budget, goals and lifestyle. And, because the mortgage process can be overwhelming, Wright Financial can relieve the stress by taking care of every detail from application submission to negotiating with financial institutions. We will take care of the entire process ensuring that you get the structure right first time.
KIWISAVER & MANAGED FUNDS
Investing is all about buying things that put money back into our pockets. Sound intimidating? It’s really not. Those of us who have a bank term deposit or are in KiwiSaver – we’re already investors! Our recommendations are directly aligned with both your financial goals and risk tolerance to avoid unnecessary stress or concern to achieve the desired outcome.
Making the right choices now could make a big difference to how you’ll live in retirement. You could receive government contributions (Member Tax Credits) of over $500 every year. You could also buy your first home sooner, and may be eligible for a HomeStart grant of up to $10,000.
Investments During Retirement
There are many things to consider when planning for retirement. Research consistently show three key themes that retirees worry about and want to be addressed when planning their retirement – Flexibility – The Markets – Longevity. Our plans consider these three objectives.
Managed Funds Investments
Anyone can be an investor. Contrary to popular belief, investing doesn't have to be difficult and you don't have to be loaded. We use strict criteria when selecting fund providers so that we can offer you a range of high-quality funds from reputable fund providers with long track records.