Cleaning up after Christmas Cleaning up after Christmas Contact Us The Futurisk plan to escape Christmas debt: Make escaping debt a priority. This is the most important step: make a conscious decision that you are going to do whatever it takes, and make whatever sacrifices you need to make, to get out of debt as quickly as possible. Work out what you can do without. To become debt free as soon as possible will require some short-term sacrifices. Think about some things that you could do without for the sake of being debt free. Maybe you only buy coffee twice a week at work instead of every day. Maybe you don't buy that weekly magazine for a little while. Maybe you don't go out for dinner until the bill is paid. Whatever sacrifice you make, it will be worth it to escape the stress and financial cost of credit card debt. Just make sure you put the money saved towards paying off that debt. Pay off more than the minimum. This is the biggest mistake made by people with credit card debt. They believe that, by paying the minimum payment required each month, the debt will quickly disappear. While it will eventually disappear, it will be a long and costly process. The quicker you pay off debt, the more you save in interest and the better off you are financially. Having decided what sacrifices you will make with your spending, calculate how much you can put towards paying off your debt each month, and stick to it. Don't add any more to your credit card. The temptation is always there to treat yourself. "It's only a few dollars," we say. But all those few dollars add up. When the credit card interest rate is added to that, we are just prolonging our time in debt. Set a goal. Having made the decision to be debt free; and worked out where you can economise; and calculated what is the most you can repay each month; and having determined not to add anything to your card, set a date at which you can be debt free. Circle that date on your calendar or in your diary; keep that date at the forefront of your mind... it's the day you'll feel a great sense of release--you'll be debt free! Celebrate. Being debt free is something worth celebrating. Plan a celebration for the day you pay off your debt - but don't make it an expensive celebration, and don't put the cost of celebrating onto your credit card! The team at Futurisk would love to talk to you about all aspects of your personal finances and insurances. Beware Christmas debt! As we wander around the shopping malls leading up to Christmas, it's so tempting to pull out our credit card to buy gifts and treats for family and friends. Of course, our intention is to quickly pay off the amount owing as soon as we get back to work in the New Year. Problem is, for many New Zealanders that doesn't happen. Some credit card statistics Leading up to Christmas last year the New Zealand Herald reported: New Zealanders were collectively paying more than $600 million a year in interest on personal credit card debt. New Zealanders collectively owed $5.542 billion on plastic cards at the end of July 2012. Of this $5.264 billion was on personal credit cards. Nearly two-thirds of personal credit card debt is incurring interest. Despite credit card rates of just 12% being available, the average interest rate on outstanding balances is 17.8 per cent. That equates to $638 million in payments going into the pockets of financial institutions over the past year. Credit card debt is dangerous Now, I know most people will say, "But I pay off my card every month before it incurs any interest." The reality is, most people don't! Much of the debt loaded onto credit cards occurs in the period leading up to Christmas. Last December, we collectively loaded over 5 billion dollars onto our credit cards. Did we pay it all off within the month? No. In January this year we still owed over 3.5 billion dollars of that, plus the interest it was accruing. Credit card debt is dangerous because of the high interest rate it incurs. For many people, going into debt on their credit card puts them into debt for a long, long time. It makes sense to limit the use of your credit card leading up to Christmas, but just in case it's too late, here are a plan to help you clean up after Christmas if you find yourself in debt when January 2014 arrives. View next post At Futurisk, we work for you, not the insurer. So when it’s time to make a claim, we’ve got your back. We’ve got your back Enquire Now Freephone 0800 17 18 19

Ensure your boat is protected with specialised pleasure craft insurance from Futurisk Insurance, offering tailored coverage for New Zealand's boating enthusiasts. Pleasure Craft Insurance Our Solutions > Personal Insurance > Pleasure Craft Insurance > Boat insurance may help cover a motorboat, sailboat or personal watercraft if it's stolen, in an accident, or damaged by a covered peril. Pleasure Craft Insurance Enquire Now Benefits with Futurisk Covers marine vessels used for private purposes, e.g. yachts, cruisers, wave riders, jet skis, dingy’s and sail craft Helps protect you if you accidentally injure someone or damage their property with your boat We can help at claim time Let someone else pay to replace or repair your valuable possessions You choose the excess Boat insurance may help cover a motorboat, sailboat or personal watercraft if it's stolen, in an accident, or damaged by a covered peril. Boat insurance may also help protect you if you accidentally injure someone or damage their property whilst using your boat. Chat to one of your local advisers today to organise a personalised Pleasure Craft plan. Talk to an adviser Enquire Now Freephone 0800 17 18 19

Find the best insurance and mortgage solutions in Waikato with Futurisk Insurance. Expert financial guidance for individuals and businesses. Futurisk Waikato Our Solutions > Waikato > We are your local Manawatu advisors who live and work in your community. We work for you, not the insurer or the bank. We’ll guide you through insurance and mortgage solutions with honesty you can trust and advice you can count on. Contact 0800 17 18 19 +64 7 929 2296 enquirieswaikato@futurisk.co.nz Unit 4, 310 Tristram Street, Hamilton PO Box 1419, Hamilton Central, Hamilton 3240 Enquire Now A partner of choice We strive to be partner of choice - for our customers, insurance companies and employees looking for long-term relationships built on a foundation of trust. Our Values, Ethics, Morals, and Integrity - at Futurisk these are the most important factors of our business. Our dedicated team support one another - we learn together, and share each other’s success! We have high standards of achievements and have commitment to the company. We keep our Advisers well informed - they receive continuous education for new products that come up onto the marketplace, we hold regular team meetings, extensive trainings and outings. Our Waikato Team At Futurisk Waikato our mission is to spend time getting to understand you and your financial goals so we can provide you personalised advice which is appropriate for your circumstances and needs. The Principal Adviser, Mark Henderson started in the financial services industry in 2003 as an Insurance Adviser and in 2005 became a consultant with Mortgage Solutions and Financial Services Ltd. In 2010 Mark helped develop the “M-Power” debt management service with Fortifi Financial Solutions and in 2013 he started his own company, Marlin Solutions Ltd. Marlin Solutions provided a range of financial services such as Insurance, Mortgages & Debt Management. In 2020 Mark and Marlin Solutions joined forces with Joe Singh from Futurisk Insurance Limited and they started a new company, Futurisk Insurance (Waikato) Ltd, trading as Futurisk Waikato. Futurisk Waikato are now able to provide expert advice on a wider range of financial services including Domestic Insurance, Commercial Insurance and other General Insurances. Futurisk Waikato also offers our specialised ABF Money Management Service to help kiwis take control of their finances and become debt free faster, saving thousands of dollars in interest payments. Our Waikato Office Meet our Waikato specialists Our advisers are all accredited and have a number of years industry experience behind them. They will work with you to create an ideal insurance plan for you and your family that supports your lifestyle, or the cashflow that your business would need to keep going should something happen. Mark Henderson Director / Financial Adviser 07 929 2296 Bio Mark is the Principle Adviser for Futurisk Waikato and has been involved in the financial services industry since 2003 after working in various roles within NZ post for over 16 years. He lives in Hamilton with his wife. Mark has 2 adult sons and loves spending time with his grandchildren. Mark is keen on most sports and enjoys competing in Masters Athletics. Mark is a proud member of Financial Advice New Zealand (FANZ) and complies with their Code of Ethics in all facets of his business. He has also completed the Trusted Adviser qualifications, with them. Email Alaa Al Hassan Financial Adviser – Life & Health 027 244 5662 Bio Alaa is a Financial Adviser specialising in personal risk insurance, including life, health, trauma, income protection and accident cover. With nearly 20 years of experience in the insurance industry, including extensive work in the UAE, Alaa brings a wealth of knowledge and passion for helping clients protect what matters most — their health and financial security. Now based in Hamilton, with his wife and 2 children, Alaa holds the Level 5 Certificate in Financial Services and is dedicated to supporting individuals and families across the Waikato. Outside of work, Alaa enjoys playing basketball and spending time with his family. Email Andrea Mudaliar Financial Adviser 027 221 1442 Bio Andrea Mudaliar is a Financial Adviser specialising in personal and business risk insurance, ACC restructuring and KiwiSaver advice. Andrea is passionate about helping individuals, families, and business owners create financial security and achieve their goals. With a background in business ownership and financial services, she understands the importance of having the right protection and financial strategies in place at every stage of life. She holds the New Zealand Certificate in Financial Services (Level 5) in Life, Health & Disability Insurance as well as Investments & KiwiSaver. Based in Hamilton, Andrea lives with her husband Arty and is the proud mother of three daughters. Alongside her role at Futurisk Waikato, she co-owns a successful automotive business, giving her first-hand experience of the opportunities and challenges faced by business owners and self-employed clients. Andrea believes great advice starts with building genuine relationships and understanding what matters most to each client. She is committed to helping people make confident financial decisions and providing solutions that offer peace of mind for the future. Outside of work, Andrea enjoys spending time with family and friends, cheering on her daughters from the sidelines, and often being roped into managing or coaching sports teams. She values meaningful connections and helping others succeed, both professionally and personally. Email Get in touch with our Manawatu team today, for local support on your insurance or mortgage needs. Get in touch Enquire Now Freephone 0800 17 18 19

Learn about Futurisk Insurance, your trusted insurance and mortgage advisors in New Zealand. Discover our commitment to providing personalised and comprehensive financial solutions. About Futurisk About Us > At Futurisk, we’re trusted Advisers with over 30 years of experience looking after New Zealand households and businesses About Futurisk Based in Manawatu, Waikato & Kāpiti, Futurisk Insurance is an insurance brokerage company dedicated to providing "personalised service for a personalised solution". That’s why our team of financial advisers will always work with you one-on-one to find the insurance solution you need. We are an independent insurance brokerage company which means we do not work for the insurance companies and can find you the best possible insurance solution. Why Futurisk Insurance? At Futurisk, we understand how difficult the insurance industry can be to navigate, and how hard it is to choose the right insurance plan that covers you, your family and your business. That's why we will work with you by making it simple and easy for you to find a great insurance plan. We also know how important it is for you to have security. That’s why Futurisk are here to make it simple and easy for you to find a good insurance plan. From simple enquiries, applications, claims and any other questions, it’s all covered by one phone call or email to your personal accredited financial adviser. You won’t need to spend hours searching for the right insurance company to get the right plan. In fact, you only have to make one call. Contact Futurisk Insurance, and we’ll do all the hard yards for you. Specialising in Life & Health Insurance, Business Insurance, Mortgages and General Insurance. We offer honest and genuine advice with your best interests at heart. Our passion lies in discovering the best solutions tailored just for you. We've got your back Enquire Now Freephone 0800 17 18 19 Our Company Profile Futurisk Insurance Limited was founded in 2011, originally known as Allied Financial Services by Joe Singh. Starting with a small team, Futurisk has expanded and grown into a team of professional and friendly advisers who are dedicated to putting in place and improving our new and existing clients’ insurances. Supported by our friendly administration team, our ambition is to provide the best possible service to all clients, helping them understand their insurances and protecting what matters the most - their health and financial well being. As we have grown and continue to grow, we have formed strong alliances with the insurance providers, giving us security and the right tools to put the best covers into place for our clients in a timely manner. We also have been assigned Key Accounts Managers (KAM) with these companies who are dedicated in assisting us with processing of the applications, and ensuring that policies are issued as efficiently as possible. In 2016 Futurisk General Insurance was formed to provide specialised advice in Domestic Insurance (e.g. House, Car, Contents) & Commercial Insurance (e.g. Public Liability, Material Damage & Business Interruption) In 2020 Mark Henderson , after 17 years’ of experience in the industry, joined forces with Futurisk and established Futurisk Insurance (Waikato) Ltd to combine resources and provide better service to existing clients (from Marlin Solutions) and new clients around the greater Waikato area (including Auckland & the Bay of Plenty) In 2023 Rex Duckett, with over 34 years of experience in the industry, joined forces with Futurisk and established Futurisk Insurance (Kapiti) Ltd to combine resources and provide better service to existing clients (from Inpro Group) and new clients around the greater Kapiti area. Overall, our dedicated team support one another, learn together and share each other’s success! We have high standards of achievements and have commitment to the company. To keep our Advisers well informed, they receive continuous education for new products that come up onto the market place, we hold regular team meetings, extensive trainings and outings. We value excellence and deliver way beyond client’s expectations. Our Values, Ethics, Morals and Integrity here at Futurisk are the most important factors of our business. Futurisk Insurance Limited, Futurisk Kāpiti, Futurisk Waikato and Futurisk General Insurance are independent Financial Services Providers, which means we work for the client and can explore many different options from a range of Insurance & Mortgage providers to provide the best possible cover for the individual needs of our clients. Our Mission and Vision Statement Our Mission Statement At Futurisk we are on a mission to: Provide quality insurance and mortgage solutions to our clients by offering our technical expertise and exceptional service Continually promote professional growth and development of our associates, advisers and employees by providing continuous training and support. Helping Futurisk staff to develop to their maximum potential allows them to offer you top-quality service for your mortgage and insurance needs. Develop and maintain good relationships with insurance providers who offer clients extra financial stability, full-service capability, and competitive products. Be your ‘one stop shop’ for all Insurance and Mortgage solutions by providing a service that is friendly, approachable and easy to work with. Futurisk are fostering friendly relationships with our clientele and establishing partnership with stakeholders (e.g. business sectors, NGO) and the community in general Together we can plan for strong, healthy, independent futures Our Vision Statement Futurisk Insurance have a vision for the future that includes you. Our vision is to help clients manage and understand risk factors in their lives and provide tailored strategies to minimize the impact of those risks. We will help you with your business or personal insurance, and mortgage solutions in a genuine and trustworthy manner. You can count on us today, tomorrow, together… Our Approach Quite simply, we work with you and for you!! What we can do for you Our advisers are all accredited and have a number of years industry experience behind them. They will work with you to create an ideal insurance plan for you and your family that supports your lifestyle, or the cashflow that your business would need to keep going should something happen. You won’t need to spend hours searching for the right insurance company to get the right plan. In fact, you can create your own ideal plan right here or contact Futurisk Insurance, and we’ll do all the hard yards for you.

Travel worry-free with comprehensive travel insurance from Futurisk Insurance. Get coverage for medical emergencies, cancellations, and more. Personalised Travel Insurance Our Solutions > Personal Insurance > Travel Insurance > Personalised travel insurance cover provides cover while you are travelling. Travel Insurance Enquire Now Benefits with Futurisk We can help at claim time Let someone else pay to replace or repair your valuable possessions You choose the excess What can it cover? Travel Insurance provides cover while you are travelling for risks such as: travel disruption cancellations loss of deposits lost, stolen or damaged luggage emergency hospital and medical expenses, and personal liability during your travel Chat to one of your local advisers today to organise a personalised Travel Insurance plan. Talk to an adviser Enquire Now Freephone 0800 17 18 19

How important is third party car insurance How important is third party car insurance Contact Us Should third party car insurance be compulsory? The Government seems to be weakening on this issue. Some politicians are saying they want to see compulsory third party insurance on cars, and most New Zealanders agree with them. What many people don't realise is how inexpensive third-party insurance can be to buy and how expensive having no insurance can be in the event of an accident. I think our family's story should be a warning to every car owner; you may think you'll never have an accident of any sort, but they happen, and when they do, they can be very expensive. Insure your car and avoid debt! If you have a vehicle, insurance is vital. Remember, when you insure something such as a car, it is not the car you are insuring. You are insuring yourself so that, if you cause damage with that car you will not be placed under the pressure of a debt you may never be able to escape from. Vehicle insurance is not about insuring your car - it's about insuring yourself against a lifetime of debt! If you are uninsured because you find it too expensive, phone an insurer and ask for a third-party insurance quote - it's worth it for your own peace of mind. For years people have been writing letters to the editors of newspapers and phoning talkback saying that third party car insurance should be compulsory. We're not going to go into answering that question here, but one thing we do know for sure; if you're driving your car without at least third party insurance, you are crazy!! A lesson learned Let me tell you a story about our youngest daughter's most horrifying moment. We had an old blue Corolla. Three children had learned to drive in it and they were pretty good drivers. It was an old car, but it was a good car. Mechanically, it went well and there was very little evidence of rust. One day our daughter came home, parked the car in the drive and went inside. Minutes later, she heard a crash. She'd forgotten to put the handbrake on! The car had rolled backwards and into our neighbour's house. Amazingly, there was very little damage to the car. However, the house didn't fare so well. The car was now sitting in the front bedroom. The cost to repair the house was $27,000! As I talked with our daughter about this I pointed out, "If you didn't have insurance, you would be paying that off at $100 a week for the next five years." What is third party car insurance? Third party car insurance is insurance you take out to repair or replace any damage you do with your vehicle, it doesn't cover damage to your own vehicle. There are two types of third-party insurance; Basic third party insurance insures the damage you may cause to another person's vehicle or property with the insured car. Third-party fire and theft is slightly more expensive and insures damage to other vehicles, and to yours if your car if it is damaged by fire or stolen. So, while your car isn't covered, any damage your car causes is. That makes third party car insurance ideal for cheaper cars. The Corolla I told you about was only worth $1,000. To insure it was going to be about $500 a year because of the age of our children. Third party insurance, however, was only $150 a year - and it was worth every cent for our family. View next post At Futurisk, we work for you, not the insurer. So when it’s time to make a claim, we’ve got your back. We’ve got your back Enquire Now Freephone 0800 17 18 19

Does Your Insurance Still Fit? Does Your Insurance Still Fit? Contact Us Get advice – not just a quote The radio is full of advertisements for quick insurance quotes. One promises that three questions is all you need to answer before purchasing a policy. That sounds very convenient, until claim time when you discover the exclusions and fine print conditions contained in many of these quick-sell insurances. Talking with a Futurisk qualified insurance adviser is invaluable. Rather than selling you a quick product, our advisers will walk you through the insurance process, helping you to understand what you’re paying for and explaining the benefits of your insurance protection. We will also compare policies across multiple providers ensuring that you receive the best advice and best value; not the cheapest option, but the policy that best suits your situation. Finding value for money – not the cheapest policy, but the best During tough economic times, it can be tempting to save money by cutting back on, or even cancelling, insurance. Futurisk’s advice is to first carefully consider the cost of not being insured should something happen. We do our best to help you find ways to adjust cover or restructure premiums to keep them affordable. Remember, a well-structured insurance policy is vital for protecting your family’s financial future should something unexpected happen. A Futurisk insurance review doesn’t mean buying more. It means, taking the time to ensure your cover is serving you the best way possible. The bottom line Insurance is there to protect you, your family, and your finances. However, it only works if it’s fit for purpose. A quick review with your Futurisk insurance adviser could make a big difference to both your budget and your long-term security. As the rising cost of living puts pressure on most Kiwi households, it's a good time to examine your regular expenses, and that includes your insurance. Whether it's life insurance, health insurance, income protection, or general cover, everybody’s insurance needs change over time. That means, we all need to review our policies to ensure they still match our circumstances. It could be you are paying for more than you need and could save money. Or it could mean there are gaps in your insurance cover that would leave you financially exposed if something happened. When it’s time you reviewed your insurance cover, here’s a few things to keep in mind. Life changes – so should your insurance cover Major life events can all affect how much insurance you need and yet, many people set up their policies and never give them another thought. Life events affecting your insurance needs include getting married, having children, buying a house, changing jobs, and paying off debt. If you’re paying for cover you no longer need, you can almost certainly reduce your premiums and save money. On the other hand, if your circumstances have changed and your cover hasn’t kept up, you may not be as protected as you think. That means, your insurance premiums may be lower than they should be but, if something goes wrong, you’ll be underinsured and could be out of pocket for years to come. View next post At Futurisk, we work for you, not the insurer. So when it’s time to make a claim, we’ve got your back. We’ve got your back Enquire Now Freephone 0800 17 18 19

Get in touch with Futurisk Insurance for personalised insurance and mortgage solutions in New Zealand. Contact us today to discuss your financial needs and secure your future. Your Appointment Request Has Been Received Thank you for booking an appointment with Futurisk. We’ve received your request and will be in touch shortly to confirm the details. We look forward to speaking with you and helping you plan for a more secure future. Freephone 0800 17 18 19

Ensure your farm or rural business stays protected with specialised rural continuity insurance from Futurisk Insurance, tailored for New Zealand’s agricultural sector. Rural Continuity Insurance Our Solutions > Personal Insurance > Rural Continuity > Rural Continuity (Key Persons Cover) can protect yourself and your farm from financial impact during sickness or injury. Rural Continuity with Futurisk Enquire Now Additional Options Partial Disablement Benefit Provides additional income if owing to a continuation of the disability, you are working less than 20 hours per week and have been totally disabled for a period of at least two weeks. Peak Season Benefit If you are on claim during the pre-nominated three-month peak season period, you receive an additional 25% of the monthly benefit. Business Income Support Should you suffer a serious accident or critical illness and are unable to work long term, you will need cover additional to the Rural Continuity Benefit. This cover can provide additional cover benefits and financial support to age 65. Benefits of Rural Continuity Worldwide Cover Agreed Value Benefit Guaranteed Benefit Recurrent Disablement Benefit What can it cover? Farmers have a unique work environment and generally work and live in the same place with their family experiencing long working hours and often unpredictable conditions. Rural Continuity Insurance can provide a monthly payment to safeguard the future of your farm or sharemilking business should you become disabled as a result of an accident or ill health. This applies if you are unable to continue farming for more than 10 hours a week, providing you are not working in any other business. Offsets No offsets applied. Rural continuity cover does not have ACC offset. Waiting periods The length of time between you becoming disabled and the time when you are eligible to receive a claim payment can vary to suit your personal requirements. Longer waiting periods can decrease your monthly premiums. We can offer waiting periods from 4 – 13 weeks. Benefit Payment Periods You can select the amount of time you receive payments. Selecting a shorter benefit payments period can decrease your premiums. We can offer from 6 – 24 month payment periods to suit your circumstances. Chat to one of your local advisers today to organise a personalised insurance plan. Talk to an adviser Enquire Now Freephone 0800 17 18 19

Futurisk Insurance offers expert insurance and mortgage solutions for Kāpiti residents. Get personalised financial advice today. Futurisk Kāpiti Our Solutions > Kāpiti > We are your local Kāpiti advisers who live and work in your community. We work for you, not the insurer or the bank. We’ll guide you through insurance and mortgage solutions with honesty you can trust and advice you can count on. Contact 0800 367 467 +64 6 364 6123 enquirieskapiti@futurisk.co.nz 153 Main Highway Ōtaki PO Box 134, Ōtaki 5542 Enquire Now A partner of choice We strive to be partner of choice - for our customers, insurance companies and employees looking for long-term relationships built on a foundation of trust. Our Values, Ethics, Morals, and Integrity - at Futurisk these are the most important factors of our business. Our dedicated team support one another - we learn together, and share each other’s success! We have high standards of achievements and have commitment to the company. We keep our Advisers well informed - they receive continuous education for new products that come up onto the marketplace, we hold regular team meetings, extensive trainings and outings. Our Kāpiti Team Based in Ōtaki, Futurisk Insurance is an insurance brokerage company dedicated to providing "personalised service for a personalised solution". To us, you're not just a policy number, you're our valued client. We are an independent insurance brokerage company which means we do not work for the insurance companies and can find you the best possible insurance solution. Our Principal Adviser, Rex Duckett began his journey in the financial services industry in 1989. Rex started out with two phonebooks, an Insurance Rate book, and an idea. With these 3 books and a lot of hard work and late nights, he built a successful business and friendships that would last a lifetime. After so many years in the industry and two office locations, Ōtaki and Levin, Rex decided to amalgamate with Joe Singh from Futurisk Insurance Ltd and they have created a new and improved company, Futurisk Insurance (Kāpiti) Ltd. Rex is happy to align his business with Futurisk and be a part of an expanded and growing team of professional and friendly advisers who are dedicated to putting in place and improving our new and existing clients’ insurances. Supported by a friendly administration team. Futurisks ambition is to provide the best possible service to all clients, helping them understand their insurances and protecting what matters the most - their health and financial wellbeing. By aligning these businesses, it has allowed us to utilise the strong alliances we have formed over time with various insurance providers and giving us access to new providers already working with Joe, this helps give us security and the right tools to put the best covers into place for our clients in a timely manner. We also have been assigned Key Accounts Mangers (KAM) with these companies who are dedicated in assisting us as efficiently as possible. Our Kāpiti Office Meet our Kāpiti specialists Our advisers are all accredited and have a number of years industry experience behind them. They will work with you to create an ideal insurance plan for you and your family that supports your lifestyle, or the cashflow that your business would need to keep going should something happen. Rex Duckett Principal Adviser 027 444 2733 Bio Rex has been in the insurance industry since 1989, 34 years! He has always been an adviser and has seen many changes over the years, most recently the introduction of new qualifications for licensing. He has recently gained a New Zealand Certificate in Financial Services qualification in General Insurance, Life, Health and Disability Insurances. Rex enjoys V8s and has been drag racing for the last 22 years, his personal best is a 6 second ¼ mile at 205mph. He enjoys spending time with the growing family when he is not racing or hot rodding. FSP103124 - (Financial Services Provider Number) Email Becky Spiller Financial Adviser and Executive Manager 0800 367 467 ext 2 Bio Becky has worked in the insurance industry for over 12 years in an administration and management role, she primarily works with the personal risk clients, assisting with underwriting, quoting existing business and claims. She has recently gained a New Zealand Certificate in Financial Services qualification in General Insurance, Life, Health and Disability Insurances and Investments. Becky and her husband have one daughter, currently completing her Masters at Victoria University. Becky enjoys camping, fishing and spending time with her friends and family. Email Monique Duckett Financial Adviser and Finance Manager 0800 367 467 ext 1 Bio I have been in the industry for 25 years and have a good understanding of all the facets of this industry. I have Level 5 in Financial Services. I am currently working in the Otaki office alongside my husband Rex in the finance side of the general department. Email Terri Watson Financial Adviser 0800 367 467 Ext 207 Bio Terri has been working in the Financial Services industry since 2011, beginning her career as a Personal Assistant and Paraplanner. In between having and raising her kids, she kept building her experience and knowledge in the industry, which has given her a real understanding of the pressures families can face when it comes to money and protecting what matters most. She is passionate about helping people feel more confident about their financial future, in a way that feels simple and supportive. Terri has a New Zealand Certificate in Financial Services qualification in Life, Health and Disability Insurances and Investments and is about to start working towards her General Insurance qualification On weekends you will find Terri in the garden with the chickens and ducks, watching the kids at football, tennis or ballet, or at Mitre 10 finding the items for her next DIY task. Email Marjie Pacan General Administrator 0800 367 467 ext 5 Bio Marjie emigrated to New Zealand from Poland in 2010 after living in England for 10 years, working a range of jobs including nursing and hospitality. Since emigrating to New Zealand she has worked in administration, early childhood centre and continues working as senior barista. Marjie has been in the insurance industry for 2 years as a receptionist and general administrator Outside of work I enjoy, hiking, cycling, throwing glamorous parties, flower arrangements and spending time with my two gorgeous children and greyhound. Email Deb Greaves Claims Administrator 0800 367 467 ext 4 Bio Deborah has mainly worked in hospitality from hotel management, conference administration, hospitality supplies, front of house and a wide range of other admin jobs. She loves spending time with her adult daughters. Deborah and her husband Kelvin enjoy travelling in their caravan with their fur baby Bonnie. When not travelling she enjoys gardening, reading and going out for brunch and trying out different restaurants. Email Mallery Henderson General Administrator 0800 367 467 Bio I have worked in various roles including customer service, marketing, and office management as well as volunteering for charities that support families when my family and hobbies leave me enough time. I’m a mum of 3, my hobbies include Roller Derby Officiating (national and international), Cross stitch and sewing. Email Get in touch with our Kāpiti team today, for local support on your insurance or mortgage needs. Get in touch Enquire Now Freephone 0800 17 18 19

How to combine KiwiSaver and Managed Funds to Build Your Home Deposit How to combine KiwiSaver and Managed Funds to Build Your Home Deposit Contact Us The benefits of a combination of both Managed Funds are a great tool to use in conjunction with your KiwiSaver, especially if you’re saving for a home. Using managed funds alongside KiwiSaver can help in several ways. First, they allow you to invest additional savings beyond KiwiSaver contribution limits or what your employer matches. Second, they provide flexibility because you can access your savings for other priorities, including a home deposit. Finally, they can help keep your savings working for you rather than sitting in a bank account. Why bother with KiwiSaver then? Why not just have a managed funds investment? Those are questions you may be asking right now. The answer is, because your KiwiSaver contribution is matched by your employer. That is a huge bonus and one all employed New Zealanders should be a part of (unless your company participates in a similar savings programme). Making this work KiwiSaver remains an excellent savings tool for first‑home buyers, but it doesn’t have to work alone. Combining KiwiSaver with managed funds can provide flexibility, choice, and a clearer pathway toward home ownership — even when your timeline isn’t certain. We can help Your Futurisk Financial Adviser is only a phone call away and can give advice on how to maximise your savings to secure your future and, if it’s one of your goals, enable you to save for that home deposit that can seem so elusive. How to combine KiwiSaver and Managed Funds to Build Your Home Deposit For many New Zealanders, KiwiSaver plays a key role in saving for their first home because it contains the option to withdraw most of the balance for a first‑home purchase after three years. However, for some people, KiwiSaver alone may not be enough, particularly if house prices continue to rise or personal timelines change. This is where managed funds can be a valuable complement to KiwiSaver savings. What are managed funds? Managed funds are investment vehicles that pool money from multiple investors to buy a diversified portfolio of assets such as shares, bonds, and property. Managed by professional fund managers, they allow investors to buy units in a fund, spreading risk across various investments. They are used for long-term growth, wealth building, or saving for goals. KiwiSaver versus managed funds KiwiSaver is designed primarily as a long‑term retirement savings vehicle. While it can be accessed for a first home, it remains largely locked in until specific criteria are met. Usually this means funds are locked in until you reach retirement age (currently 65 years) or request an early withdrawal (usually only granted in the case of financial hardship). Managed funds, by contrast, offer greater flexibility. They allow you to invest outside of KiwiSaver and generally access your money when you need it. This makes managed funds well-suited for medium‑term goals like building a home deposit. View next post At Futurisk, we work for you, not the insurer. So when it’s time to make a claim, we’ve got your back. We’ve got your back Enquire Now Freephone 0800 17 18 19

How to Navigate New Zealand’s Changing Investment Markets. How to Navigate New Zealand’s Changing Investment Markets. Contact Us Equity Market Outlook The NZX 50 index has had some ups and downs lately — you’ve probably noticed your KiwiSaver and other investments dipped slightly in the first quarter of this year. The outlook remains positive, however, and you will have also noticed that, in the past month or two, your investments have started to pick up again. With interest rates coming down, shares are becoming more attractive to investors, and company profits are expected to improve as the economy continues to recover later in 2025. This is good news for investors so keep your eye on your investments. Government Initiatives to Attract Investment A further encouragement for investors is the policies that the government has implemented to attract foreign investment. These include easing 'golden visa' requirements and positioning New Zealand as a 'safe harbour' for investors amidst global economic volatility and uncertainty. Globally, New Zealand is perceived as a socially cohesive, safe, and stable nation which has revitalised the economy and bolster investor confidence. Conclusion So, it’s true that recent shifts in New Zealand's investment markets have caused concern for many. However, the underlying economic indicators and proactive government policies suggest a trajectory towards recovery. At Futurisk, we advise investors to stay informed and, as is always the case with investment funds, maintain a long-term perspective, because the current financial environment presents numerous opportunities for growth and resilience. If you have any questions or concerns about your KiwiSaver or other investments, please give your Futurisk Financial Adviser a call. Caution, not panic is the key. New Zealand's investment markets have experienced notable shifts in the opening months of 2025. Many of these shifts have been as a result of overseas events which are out of our control, such as changes of governments, inter-nation conflicts and changes to international trading conditions. It’s natural that such changes will lead to some investor concern but there’s no need to panic. In fact, at Futurisk, we believe there are real reasons for cautious optimism. Economic Recovery Underway 2024 was a challenging year. Phrases like “looming recession” made many of us nervous and we watched with concern as our investment savings dipped a little. As we progress through 2025, however, the country’s economy is showing definite signs of recovery. In the fourth quarter of 2024, GDP grew by 0.7%, surpassing expectations, with projections indicating growth of 1.4% in 2025 and an acceleration to 2.7% in 2026. On top of this, the Reserve Bank reduced the Official Cash Rate to 3.75% with the aim of stimulating economic activity. View next post At Futurisk, we work for you, not the insurer. So when it’s time to make a claim, we’ve got your back. We’ve got your back Enquire Now Freephone 0800 17 18 19