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Your broker for life
You could Google it,
ask ChatGPT,
open 17 tabs...
…or, just ask us!
Insurance and KiwiSaver can get complicated quickly. Tell us what's going on, what matters to you and what you're trying to achieve, and we'll help you make sense of the rest.
New clients often ask us…
Am I in the right KiwiSaver fund?
Good question. And the answer isn't automatically "growth because you're young". Your KiwiSaver should reflect you: what you're saving for, when you'll need the money, how you feel about risk and what else is going on in your life.
We'll look at where you are now, explain your options in plain English and help you work out what makes sense for you and your goals.
I already have insurance, I'm just not sure if it's any good.
You're definitely not the only one.
Maybe you set it up years ago. Maybe life looks completely different now. Or maybe you're paying for it every month but don't know what you're covered for or what it means.
Bring us what you've got. We'll help you understand it, work out what still makes sense and identify any gaps or things you may no longer need.
Is Kiwisaver advice really worth getting?
Your KiwiSaver could end up being one of the biggest assets you ever own.
So yes, it's worth knowing why you're in your fund, what you're paying, how your money is invested and whether it lines up with what you're trying to achieve.
You don't need to become a KiwiSaver expert. That's our job.
How much cover do I actually need?
Probably not a number we should pluck out of thin air.
We'll look at your mortgage, income, family, debts, savings and what you'd actually want to happen financially if you couldn't work, became seriously ill or weren't around anymore.
Then we'll build the cover around your life and your budget, not the other way around.
What clients are saying
I'm so grateful for every client who's trusted us. Here's a little of what they've said.
"I cannot recommend Miki highly enough. From our very first meeting, she took the time to understand my budget, needs, and the level of cover that was right for me. Insurance can often feel overwhelming and complicated, but Miki made the entire process simple, clear, and stress free."
Andrew Millar
"Miki has looked after myself and my wife superbly. She was able to get us much better cover than we had before and was also able to explain everything I’m a way that was easy to understand.
If we ever need to use the insurance, I have full confidence that Miki will do the hard graft behind the scenes to get the best possible outcome."
Melinda Racz
"We recently got in touch with Miki to get advise on health and life cover, then ended up changing our current life and trauma cover too, as she found a better option for us for all the above. She was super prompt with all communication, nothing was a hassle, and most importantly, no pushy sales vibes there!! Thanks so much to the whole team for the smooth process, highly recommend Fluent."