Why now is the best time to have a financial review

4 MIN READ September 8, 2021
Regardless of which Alert Level you’re currently at, you might be thinking about how your finances have fared over the past year. Whether you’ve been working from home, or you’re now unfortunately unemployed, it’s likely that your money will be on your mind.

Here’s why now is the best time to seek help from the professionals to make sure your insurances, your KiwiSaver, and your general finances are working as best they can for your current situation.



It’s not something that people like to think about often, but for those who have had the right kind of cover in place, it’s been a welcome support in times like these. If you have an insurance policy in place currently, it’s important to review it often to make sure it will still work for you the way you need it to.

You might think that you’re paying quite a bit for your premiums, so perhaps you need to take a look at what you’re covered for and whether you still require that cover. If you want to know whether you’re covered for specific things like income protection or medical procedures, it’s important to check that out too and add it in where necessary if that’s a priority for you.

If you don’t have insurance in place, now’s a great time to see what’s out there to protect you, your family, and your prized possessions.



You’ve likely seen your KiwiSaver balance fluctuate a bit in recent times, but if you don’t already know, KiwiSaver is more of an investment than a savings pot. And as with any investment, it will have its ups and downs.

To make the most of KiwiSaver and ensure you have enough for a comfortable retirement or to help you purchase your first home, it’s important that you are in the right fund for the type of risk you’re willing to deal with. A KiwiSaver adviser can help you to understand the different fund types so you can decide which one you think is best for you.



If you own your own home, you might have been worried about your mortgage payments recently, especially if you have had reduced income. However, if you’re looking to refix, refinance, or purchase a new home, now is a great time to do so as interest rates are still quite low.

A mortgage adviser can help you every step of the way and make sure that you’re getting the best rates possible. They can explain how it all works and the different types of mortgage loans available. If you’re not sure whether you have enough for a deposit, or whether your application for a home loan will be accepted, an adviser can take a look over your situation and let you know what you need to be approved.



If you own a business, the lockdown period may have been especially hard on you. Now is the ideal time to crunch those numbers and get some forecasts in place to see how you might be able to recoup some of your losses down the track. There have been some additional funding options made available for businesses during this time – our expert accounting team can give you the details and make sure you’re receiving everything you need to get your business back on its feet.

Even though you might not be doing so well now, setting the right goals and working on a plan to achieve them puts you in good stead to build yourself and your business back up, fast.


If you want to know more about how your insurance, KiwiSaver, mortgage or business finances can be working better for you, our friendly team of expert advisers can help. Every review we undertake is completely free and there is no-obligation for you to take action.

Even if you just want to check out your options or get some good solid advice, you can get in touch with us for a chat – we would love to help you!


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