August is Money Month, a time to pause, reflect, and take action on your finances.
This year’s theme is about starting with an emergency fund, the cornerstone of financial security.
At Apex Advice, we believe that building resilience starts with the basics. Whether you’re saving for the unexpected, buying a home, reviewing your insurance, or investing for the future, the foundation is the same: a strong plan tailored to you.
Why an emergency fund matters?
Life is unpredictable. Medical bills, car repairs, a sudden drop in income, unexpected expenses can happen at any time. An emergency fund acts as your financial buffer, giving you peace of mind and protecting your long-term goals from short-term shocks.
Even small, consistent savings can make a big difference. You don’t need to start big, the key is to start. Saving just $10 per week can add up to over $500 over the course of a year.
How we can help?
As financial advisers, we work alongside you to build a plan that’s realistic, sustainable, and aligned with your life. Here’s how we support you through every stage:
Insurance that works when you need it. Having the right cover means your emergency fund doesn’t need to do all the heavy lifting. We review your:
- Life, trauma, health, and income protection policies
- Gaps or overlaps in cover
- Insurance and savings, and how they can work together for peace of mind
Home Loans flexibility. Your home loan structure can make or break your financial flexibility. We can:
- Help restructure your mortgage
- Create repayment plans that leave room to save and breathe
- Review your current loan to ensure it’s still working for you
Growing your wealth, confidently. Emergency savings are step one, from there we help you:
- Review or start your KiwiSaver with the right fund and contribution level.
- Explore other investment options aligned with your goals and risk profile.
- Make confident decisions that support your long-term financial wellbeing.
Let us help you make better financial decisions, now and in the future.
Money Month is a reminder that you don’t have to figure this out on your own. Whether you’re just starting out or revisiting your financial goals, we’re here to help.
Book a free chat with an adviser today.
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