Solutions

Every part of your financial fitness, in one plan

A good trainer doesn't only work on one muscle. I look at protection, health, growth, retirement, legacy and your business together, then we start with the one gap that matters most.

IndependentMany insurance companiesReviewed every yearPlain English

Not sure where to start?

Your score shows you

Each area of the scorecard lines up with a group of solutions below. Your results show which one to look at first.

Get My Score

Scorecard area: Family Protection

Protection

Income replacement. Your family keeps going if your paycheck stops.
Debt protection. The mortgage and loans don't land on the people you love.
Lifestyle preservation. Same home, same school, same plans.
Wealth protection. Shield what you've built from the unexpected.

For families

Scorecard area: Protection While You're Living

Living & health

Serious illness support. Coverage that can pay you while you recover from a heart attack, cancer or a stroke.
Long-term care planning. A plan for care later in life that doesn't empty your savings.
Healthy-habit rewards. Some plans reward you for staying active. Ask me which.

How health pays you back

Scorecard areas: Retirement & Access to Money

Growth & retirement

Savings you can reach. Money for opportunities and surprises, not only for age 65.
Tax-smart growth. Spread savings across tax buckets so you have choices later.
Retirement income. Turn savings into a steady monthly income, planned with bad markets in mind.
Education funding. Flexible ways to save for your kids' future.

For executives

Scorecard area: Legacy & Being Organised

Legacy & giving

Legacy planning. Pass on what you've built simply and fairly.
Charitable giving. Support the causes you care about, now and later.
Getting organised. One folder your family will thank you for.

Scorecard area: Business Continuity

Business protection

Key people. Protect the business from losing someone it can't run without.
Buy-sell funding. A clear, funded plan if a partner is no longer around.
Keeping great people. Benefits that reward your best team members for staying.
Owner retirement. A future that doesn't depend only on selling.

For business owners

For everyone

Financial education

Workshops. Plain-English sessions for families, teams and community groups.
One-to-one coaching. Understand every step before you decide.
Yearly check-ins. Like a fitness assessment, we measure again every year.

Ask about a workshop

A woman running on a coastal trail in the morning

Health pays you back

Your habits are part of your plan

The same daily habits that keep you strong can make your plan stronger too. Some of the plans I work with reward you for staying active, eating well and getting regular check-ups.

Rewards and savings for staying active
Support for healthy eating, sleep and mindfulness
Encouragement to keep up regular health screenings

Rewards depend on the plan and the insurance company. I'll show you what's available for you on the call.

Why independent matters

The plan fits you, not a product

I compare, you choose

I work with many insurance companies, so I can compare options side by side and explain the trade-offs plainly.

I work with your team

Your tax adviser, attorney or planner can join the conversation. Good plans are a team effort.

I stay with you

We review your plan every year and adjust it as life changes: new baby, new job, new business.

Find out which solution to start with

Take the 4-minute scorecard. Your report shows where you're strong and the one gap worth closing first.

Get My Financial Fitness Score

Free · No pitch · Educational only