HARNESS FINANCIAL ®

Insurance, Investment & Retirement Advice for New Zealanders

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Harness Insurance

What could knock your plan off course?

Insurance advice to help make sure one plot twist doesn’t undo years of good work.

Protect  |  Invest  |  Grow

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What would happen if life went sideways?

That's a better question than “how much insurance do I need?

Your income stops. Someone gets seriously ill. A key person can't work. But the mortgage still needs paying. Your family still needs looking after. The business still needs to run.

Good insurance advice is the armour: working out which risks you can live with, which ones you can't, and putting protection around the things that could genuinely change the course of your life.

From life and health insurance to income protection and business insurance, we'll help you work out what needs protecting… and what doesn't!

Not Insured Yet?

From scratch isn't a bad place to start. We'll look at your life, income and responsibilities first. Then we'll work out whether life insurance, health insurance, income protection or something else actually earns its place in the plan.

Already Insured?

Excellent work! But life changes. Income changes. Families change. Businesses change. Insurance doesn't always keep up. We'll review what you've got, what it costs and whether it still makes sense.

Protecting A Business?

Your biggest business risk might walk out the door at 5pm. Buildings and equipment are obvious. People, revenue and ownership can be much bigger exposures. We help business owners think through key person insurance, shareholder protection and the financial what-ifs that don't fit neatly on the balance sheet.

Corporates?

If you want to give your people amazing value, employer health insurance and group insurance can be powerful employee benefits. We'll help you work out what makes sense for your team, your business and the kind of employer you want to be.
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Harness Insurance Disclosure Statement

Click below to scroll through and download the Insurance Disclosure document

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Harness Your Financial Future

Is Your Financial House In Order?

Your business. Your income. Your KiwiSaver. Your plans for retirement. They shouldn’t be pulling you in different directions.

We help bring the pieces together around what matters to you, so you can protect what you’ve built, make more of what you have and see clearly what comes next.

You have ∞ potential. Let’s harness it.

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Let's start with a conversation

No plan yet? No stress… we'll work alongside you to develop yours. 

Or maybe you've got a plan, but see merit in a second opinion. This is a large part of what we do.

Wherever you're at, we're here to help with expert advice.

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Financial advice, with a very human difference

We believe good advice starts with understanding the person before the portfolio, policy or plan.

Our financial advisers take the time to understand what matters to you, explain your options clearly and stay in your corner as life changes. From investment and retirement planning to KiwiSaver and insurance, you'll get serious financial thinking from people who genuinely care what happens next.

We call that Loveativity.

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Ideas worth knowing about

Financial advice comes with a lot of jargon, but we prefer plain English.

Explore practical thinking on insurance, KiwiSaver, investing, retirement planning and the financial decisions that shape life in New Zealand.

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