Darren Hill - Financial Adviser

August is Sorted Money Month, and it's a great time to think about the future you're building toward.

Resilience isn't just about getting through today – it's about making sure your KiwiSaver account is set up so that when retirement comes, you can actually enjoy it. The trips, the time with family, the things you've been looking forward to.

Talk to a Haven Adviser about whether your KiwiSaver savings are on track for the retirement you want.

👉 Book a review: https://linktr.ee/havenadvisers

Did you know New Zealanders are twice as likely to insure their car than their own life? 🚗

Research from the Financial Services Council has uncovered a striking disconnect: we're quick to protect our possessions, but far less likely to protect our health, our income, and our lives - the things that matter most.

The reality is, your car can be replaced. Your income, your health, your family's financial security - that's a different story.

If you've been putting off reviewing your insurance, now's a great time to have that conversation. Our advisers can work with you to make sure you've got the right cover in place when you need it.

👉 Book a chat with our team: https://haven.co.nz/insurance/personal-life-risk-and-medical/ -started

Source: Financial Services Council - Money & You: Valuing Belongings Over Ourselves

💰 August is Money Month – time to check in on your KiwiSaver!

Money Month is here, and it’s all about building your financial resilience. While this year’s theme is emergency savings, it’s also a great reminder to check whether your KiwiSaver plan still works for your goals – especially with the latest changes now in effect.

✅ Government contributions reduced – make sure you’re still on track to get the maximum top-up if you’re eligible.
✅ Younger members included – 16 and 17 year olds can now benefit from KiwiSaver.
✅ Contribution rates increasing – plan ahead so you’re ready for the rise in 2026 and 2028.

💡 Tip: Even small, consistent contributions – whether to your KiwiSaver or an emergency savings fund – can have a big impact over time.

📖 Read our full blog to learn how these changes could shape your retirement and first-home savings (link in the comments section).

We believe every family deserves a brighter future. That’s why we’re proud to announce our partnership with Whānau Āwhina Plunket, supporting the wellbeing of families across New Zealand.

By partnering with Plunket, we’re helping to ensure more families have the resources and support they need to build a brighter future. Our free financial wellbeing checks for Plunket families cover insurance, KiwiSaver, and mortgages, helping families plan and protect themselves through life’s biggest moments.

Find out more: haven.co.nz/plunket

With longer wait times and limited access to advanced treatments becoming more common in New Zealand, many Kiwis are considering health insurance as a way to ensure timely and comprehensive care. Our latest blog dives into these challenges and how health insurance can offer peace of mind for you and your loved ones.

With longer wait times and limited access to advanced treatments becoming more common in New Zealand, many Kiwis are considering health insurance as a way to ensure timely and comprehensive care. Our latest blog dives into these challenges and how health insurance can offer peace of mind for you and your loved ones. Read our blog here: http://bit.ly/4fZnEb3

Big financial changes happening in your life? Get in touch and we can make sure you are still protected in the best way for you.

Have you reviewed your insurance recently?

As part of sorted.org.nz Money Month, we're highlighting the importance of regular insurance reviews. Here are some reasons why regular reviews are important:

� Life changes: Have you had any significant life changes since you last reviewed your insurance? Whether you've bought a house, had a baby, or got a promotion, it's time to review your policy!
� Right amount of cover: Ensure you're not paying for more than you need or left without enough coverage.
� Stay within budget: Make sure your insurance aligns with your current financial situation.
� Claimable events: Check for any claimable events you might have overlooked.

A regular review allows you to refresh your memory of what and how much you're covered for, and identify any changes you might need to make now or in the future.

is the perfect time to pause and get sorted! Book a review with a Haven Financial Adviser and ensure your insurance is up to date.

Did you know on average the difference between a conservative and a growth KiwiSaver fund could be as much as $130,000 on average?

Choosing the right fund is crucial and can significantly impact your financial future.

Selecting the appropriate KiwiSaver fund depends on several factors:
� Your age
� When you plan to withdraw (e.g., for your first home or retirement)
� Your risk tolerance

Did you know on average the difference between a conservative and a growth KiwiSaver fund could be as much as $130,000 on average?

Choosing the right fund is crucial and can significantly impact your financial future.

Selecting the appropriate KiwiSaver fund depends on several factors:
� Your age
� When you plan to withdraw (e.g., for your first home or retirement)
� Your risk tolerance

August is sorted.org.nz , the perfect time to pause and review if your current fund is still the best fit for you.

Not sure where to start? Get in touch with us for advice from one our expert financial advisers and ensure you're on the right track with your KiwiSaver.

Fancy a career change? Come and join the Haven team, help people protect their future, and set up their financial freedom, including your own!!

Welcome! You are invited to join a webinar: Haven Virtual Open Day. After registering, you will receive a confirmation email about joining the webinar. Join our upcoming Haven Virtual Open Day! Whether you’re new to the industry or considering a career change, join us to hear more about a career in financial advice. During the Open Day, you’ll have the opportunity to: - Discover what it takes to build a successful career in financial advice at ...

Self-employed? Think KiwiSaver isn't for you? Gimmie a shout and I'll show why it's a great idea!

Attention part-time and casual staff in New Zealand! 📢

Have you checked your KiwiSaver contributions for this year? As the KiwiSaver year concludes on 30 June, it's crucial to ensure you've contributed enough to qualify for the government's contribution. For every dollar you save, the government will chip in 50 cents, up to a maximum of $521.43 per KiwiSaver year.

Unsure if you've met the threshold? Here’s how you can find out:
🪴Log in to your KiwiSaver provider's app or contact them directly to review your contributions.
🪴Remember, you have until Sunday, 30 June to add funds, but they must be processed in your KiwiSaver account by then, so don't delay!

Note: If you joined KiwiSaver for the first time or turned 18 or 65 during the year the government contribution will be prorated. To be eligible for the government contribution, you must be 18 years of age or older, not yet be entitled to withdraw your KiwiSaver for retirement and live mainly in New Zealand.

We're proud to share that Haven Financial Advisers has successfully supported our clients with nearly $3 million in claims in the first quarter of 2024 alone!

Navigating insurance claims can often feel daunting, but you're not alone. At Haven, we're committed to acting on your behalf to remove the hassle from the claims process. From start to finish, we stick with you, fighting to ensure you get the results you deserve.

Thank you for trusting us to support you when it matters most!