Financial resilience
and peace of mind

Practical, focused insurance advice

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The most important thing about insurance? Getting it right for your needs. Not too much. Not too little. Just right, to protect what matters to you.

Consider your financial life for a moment – your assets and income, your current lifestyle, and future goals. How protected are you? With the guidance of quality advice, you might find that you're already more protected than you realise, but have a few gaps that need addressing.

And that's how we view our role: to help you define your priorities and areas of risk - personal and business related - and determine which of those you want to cover using insurance. In a nutshell, we help you find that ‘sweet spot’ – a protection plan using just the right mix and level of insurance for your specific needs.

Quality advice to spot the gaps

So you need insurance, but you’re not sure what type and how much? That’s where quality advice makes all the difference: a comprehensive process that helps you delve into the details that matter to you, and find the options that are right for your needs. Here’s how we work:

We start with a good chat

Quality advice starts with a good conversation. We'll meet via Zoom, Skype or in person (your preference), to give you a feel for how we work and what you can expect. A discovery meeting of sorts, so you can decide if we're a good fit for you.

Understand your goals & priorities

We talk in detail about your goals and priorities, and how well placed you currently are to protect against the unexpected. The goal? Identify your priority 'protection gaps' and balance cover with affordability.

Assess and present your options

The unexpected can take many forms. And while we may recommend one or two insurance solutions, we’ll introduce you to all of them. So that you can make a decision about what's right for you, with clarity and confidence.

In your corner at application

After we’ve submitted your application it’s our job to liaise with the insurer if there are follow up queries and - if needed - to negotiate exclusions or loadings to get the best cover for your needs.

Covered with clarity

The underwriting is complete, and you’ve got cover. Ah peace of mind. But our advice doesn't stop there: once again, we'll talk through your cover to make sure you're across all the detail, and clear on what you can claim on.

Here for the journey

Each year we'll get in contact with you to check that the cover that you have in place is still right for your needs. And of course, we're always just a phone call away for any queries - about claims, your cover, or other.

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Personal Insurance

Life’s journey is different – and unpredictable – for all of us. But one thing we know for certain is that you’ve worked hard to get where you are today.

Think of personal insurance as a lifeline for you and yours, ready to step in right when you need it most – from fast-tracking your recovery through to securing your family’s home and lifestyle, and anything in between. We can help you mix and match options so that you only get (and pay for) what you need: that is, a fit-for-purpose plan that’s both comprehensive and affordable.

Business Insurance

Just starting out? Are you an experienced entrepreneur? Or perhaps, you already have a small team of great people? Your business is so much more than just a job, and that’s why protecting it makes a lot of sense.

Key person insurance, shareholder protection, business continuation, employee insurance – the list is long. But while business cover comes in many shapes, not all of them are suitable for the future you have in mind. And that’s why we’re here, to help you identify your biggest risks (in short, the ones that could put you out of business), and draw a strategic plan to minimise them.

A few words from our clients

My wife and I have been working with Scott for a few years now, and he advises our family for the insurance policies we have in place. Scott is very knowledgeable in the insurance industry and is always transparent and honest with his communication. Scott always holds the clients interest’s first and foremost which is a great attribute for a Financial Adviser. I recommend his services to anyone looking at their personal or business insurance policies.

I have been a client with Scott at Custom Financial both personally and through my business for over 15 years. Throughout this time Scott has always exceeded my expectations.I have a number of policies with some being very complex. Scott and his team continue to manage all of these with the highest level of confidence and experience. Nothing is a problem for Scott and I can highly recommend him.

Peter Finlayson

Scott was very professional and helped my wife and I out with all our Life and Income Protection needs. He provided a thorough explanation around all policy options which made it easy to decide what worked best for us.

Joshua and Ashleigh-Rose Branch

Scott was a pleasure to deal with and helped my partner and I make the right decisions when it came to our Insurance. We had a lot of questions but Scott was patient and never put us under pressure . He also helped to explain the benefits of KiwiSaver which we are both using now. Thanks again!

Rob & Sarah

Leading providers we work with

There's a myriad of options, but the trick is getting the right cover for your needs, That's why we have an extensive panel of insurance providers, and have built strong relationships with each.

Need some help with something else?

We work with all together awesome folk across a range of specialist advice areas. If you have a query about residential or commercial lending, investments or other, let us know. We’ll make the introductions and put you in touch with one of our expert partners.

Residential Lending

Time to give your home ownership dream a go? Or maybe you’re ready to dip your toes into property investment? If you’re on the lookout for a home loan, feel free to contact us: we have experienced mortgage advisers in our network who share our enthusiasm for helping Kiwis succeed.

Commercial Lending

Commercial lending can be quite complex, and it’s one of those scenarios where ‘knowledge is power’. With expert help in your corner, you can secure the capital you require and turn an opportunity into a reality. Reach out to us: we’ll be happy to put you in touch.

Financial resilience and peace of mind