Apex Advice

Health insurance is becoming a bigger part of financial planning for many Kiwi households.

As medical costs rise and public wait times remain a concern, more New Zealanders are looking to private health cover for greater certainty and faster access to care.

Recent reporting shows medical costs are outpacing general inflation, with New Zealand medical plan costs projected to rise by 18% in 2026. (Source: Insurance Business NZ).

The key question is not just “Do I have cover?” It is “Is my cover still fit for purpose?”

Talk to our advisers and we can help you review your health insurance and understand whether your current cover aligns with your needs, budget and life stage. Book your review here: https://tinyurl.com/4jch38wr

Minimise fees, diversify broadly, and invest passively.

While those principles still matter, many investors are asking a bigger question now: What happens when the market environment changes completely?

In our latest blog, our Investment Adviser, Mike Rawlings, explores why the “most efficient” investment strategy isn’t always the one best positioned for the future, why diversification alone may not always provide the protection investors think it does, and how evidence-based investing can help build more resilient portfolios over time.

Read the blog, through the link: https://tinyurl.com/2n39vtce

Most people stall after their first property. Others build real momentum. So what separates the two?

It is rarely timing or luck. More often, it comes down to having a clear strategy, the right home loan structure, and guidance that evolves as your situation changes.

In our latest blog, we share Emma’s journey working alongside Financial Adviser Trish Marsden, from her very first home in her early 20s through to building a multi-property portfolio that now aligns with her long-term retirement plans.

More than 20 years in the making, and three properties later, her story shows what can happen with the right advice behind you.

If you are thinking about your next move, or wondering whether your current structure is holding you back, this is worth a read.

Learn what’s possible through the right approach & read our latest blog post through the link: https://tinyurl.com/6bjhyv6b

The OCR has held at 2.25%, reflecting a wait-and-see approach from the Reserve Bank of NZ as it weighs inflation risks against a softer economic recovery.

This period of stability provides an opportunity for households to review lending structures, budgets, and KiwiSaver contributions as part of a wider financial plan.


In our latest insight, we cover:

What steady rates mean for forward planning

How economic expectations influence financial decisions

Why aligning loans and long-term savings matters

Read the full update or book an appointment to speak with one of our advisers here: https://tinyurl.com/bddhvh3t

💬 Client story: From first home to feeling protected.

Buying your first home can feel overwhelming, especially when time is tight.

For Maree and Dean, having the right support made all the difference. With just five days to go unconditional, our team helped secure approval in only two days, while also making sure the right insurance was in place for their future.

With support from Kym Ackeus through the home buying process, and Matthew Hurley helping put the right protection in place afterwards, Maree and Dean felt supported every step of the way.

In their words:

"We truly couldn’t be happier with our Apex Advice experience and feel so lucky to have had them both in our corner."

Real stories like this show the value of having the right advice team by your side.
🔗 Read the full story through the link: https://tinyurl.com/zvx6ycsf

M.K’s feedback shows the real difference great advice can make. By providing clarity, taking the time to explain cover in detail, and suggesting smarter solutions, Ekta helped her clients feel in control and secure. They described the experience as “the best decision we have taken,” a reflection of the confidence and reassurance Apex Advice aims to deliver to every client.

Many people assume healthcare in New Zealand is free.

The reality is, it often depends on your visa or immigration status.

As you move from study to work, towards residency, or bring family over, your access to healthcare can change and so should your cover.

We’re able to support clients with Immigration Medical Insurance, including cover for parents and grandparents visiting New Zealand where it is a visa requirement.

If you are building your future in NZ, it's worth making sure your protection is fit for purpose.

Read more, or speak with an adviser to explore your options - through the link: https://tinyurl.com/3cjp8uu9

Lest we forget.

Today, we pause to remember those who served Aotearoa, and the sacrifices that shaped the lives we live today.

Because of them, we are able to live, work, and build our futures in a great place. 🕊️