Taking the guesswork out of complex finances

At Apex Advice, we know that the right financial decisions are not always straightforward. When life gets busy, it can be hard to see the full picture and know which steps will make the biggest difference. That is where our advisers step in.

The situation

When Michael and Laura came to see us, they were feeling weighed down by financial stress. They ran a small but busy business and owned several properties, yet the way their finances were structured left them with high repayments, scattered debts, and little clarity about their long-term direction.

They had worked with a broker in the past, but the advice they received left them on shaky ground. Despite owning valuable assets and running a busy business, their finances felt like they were unravelling. High repayments, scattered debts, and a lack of direction meant they were working harder than ever yet getting nowhere, treading water while the tide kept rising.

Terri’s approach

Michael and Laura were introduced to Terri Franklin, one of our experienced financial advisers. She took the time to understand every aspect of their finances, from their business accounts to their property ownership and insurance cover.

Terri then:

• Connected them with a trusted accountant and solicitor from her professional network.
• Reviewed their property and lending structure to free up cash flow.
• Worked with banks to secure a more suitable lending arrangement.
• Reviewed their KiwiSaver and insurance to ensure their family was fully protected.

It was not a quick process. Over four months, Terri worked through valuations, bank applications, and a complete review of their financial setup to ensure every decision was in their best interests.

The result

Before working with Terri, Michael and Laura were making monthly repayments across multiple loans, including several unsecured debts. Their commercial property was debt-free but not being used to its full potential, and their business cash flow was tight. Without the right structures in place, they were missing opportunities to reduce costs and free up funds for growth.

By reviewing their entire financial position and restructuring their lending, Terri was able to:

• Consolidate debts to reduce their total monthly repayments.
• Unlock equity in their commercial property to strengthen cash flow.
• Reviewed their business overdraft to provide flexibility during quieter trading periods.
• Ensure their personal and business insurance cover matched their actual needs.
• Review and align their KiwiSaver accounts to support long-term goals.

With the new structure in place, Michael and Laura now have:

• More manageable repayments and improved cash flow for their business.
• A clear plan for managing their assets over the long term.
• Confidence in a professional team that is aligned and working for them.
• KiwiSaver and insurance cover that matches their needs.

The value of expert advice

For Michael and Laura, the most valuable outcome was more than financial savings. It was knowing they had Terri in their corner, someone who understood their goals, asked the right questions, and kept going until the right solution was found.

At Apex Advice, we believe that financial decisions should never feel like guesswork. Our advisers take the time to look at the full picture and create a plan that gives you clarity, confidence, and the freedom to focus on what matters most. This means helping you protect, what matters to you, ensuring you can confidently own your assets, and positioning you to grow your wealth over time.