Financial advice doesn’t need to be scary

For many Kiwis, the real horror this Halloween isn’t in haunted houses, it’s hiding in their finances…

💀 70% of New Zealanders are under-insured.
💀 Only 20% have income protection cover.
💀 40% of KiwiSaver members have less than $10,000 saved for retirement.

Those numbers are enough to make anyone’s hair stand on end. The scariest part? Most people don’t realise how close they are to financial fright until it’s too late.

At Apex Advice, we see it every day. Smart, hardworking people who simply haven’t had the right guidance. That’s why our mission is simple: to take the fear out of finance and turn uncertainty into confidence.

This Halloween, let’s face the money monsters together, from underinsurance to income protection gaps, and show them who’s really in charge.

Health, life & income protection insurance: protect what matters most

Here’s a chilling fact: around 70% of New Zealanders are under-insured, leaving their families financially vulnerable if something unexpected happens.

Even more haunting, only one in five people have income protection insurance, meaning a serious illness or injury could leave most Kiwis unable to pay their bills, home loan, or rent.

That’s a fright no one needs.

Life is unpredictable, but your peace of mind doesn’t have to be. Health, life, and income protection insurance aren’t about expecting the worst, they’re about safeguarding your lifestyle, your loved ones, and your home.

Our advisers can help you:

• Choose the right level of cover for your lifestyle, income, and commitments.
• Understand policy options without the confusing jargon.
• Make sure your protection grows as your life changes.

Because if an unexpected event stopped your income tomorrow, could your family keep up with home loan payments or living costs? With the right protection in place, you can rest easy knowing your financial wellbeing won’t vanish into thin air.

Investing & KiwiSaver: grow your wealth without the frights

The numbers might give you goosebumps: nearly 40% of KiwiSaver members hold less than $10,000 in their accounts. That’s over a million Kiwis who could be under-prepared for retirement.

Investing shouldn’t feel like wandering through a haunted house. Whether you’re building wealth for the long term or looking to make the most of your KiwiSaver, smart investing is about clarity, not confusion.

Our experts can help you:

• Find the right KiwiSaver fund for your goals and risk tolerance.
• Review your investment strategy to ensure it’s working for you, not against you.
• Boost your retirement savings with tailored, data-backed advice.

Because when you’ve got the right plan in place, the only thing growing faster than your portfolio will be your confidence.

The final treat: expert advice that’s fright-free

At Apex Advice, we help Kiwis take the fear out of finance, one confident decision at a time. Whether you’re reviewing your insurance, protecting your income, or growing your KiwiSaver, our experienced advisers are here to guide you every step of the way.

Don’t let your finances give you a fright. Contact Apex Advice today through the form below, and let’s make your money goals a real treat!