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Free and confidential budget advice and education to empower individuals and families in the area of personal finance - "Jubilee Budget, empowering people to financial independance"

Why Use a Broker? Every day we see advertisements telling clients to buy insurance direct. "No hassles." "Cheaper." The messages vary, but all follow similar themes. Interestingly however, there has never been a more important time to get professional assistance. 1.Fact 1 - Insurance contracts are very complex. 2.Fact 2 - If you get it wrong, the insurance company may find the loophole and the loss may not be survivable “ for You”. 3.Fact 3 - Did you tape the phone call? You can bet the insurance company did. Your broker will have written records to assist you at claim time. 4.Fact 4 - If the broker makes an error setting up your policy or misses something, we have insurance to cover these mistakes. Do you? 5.Fact 5 - It costs an insurance company approximately 5% more to use a brokers service than the cost of running their own staff wages and office expenses. At claim time however, they pay out on average 14% less in claims to the policy holder – to you, who don’t have a broker Regardless of who, please use a broker to review your situation and present the best options specific to your situation.

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Firm Profile Focusing on your success We are a knowledgeable and enthusiastic team of accountants with the united aim of achieving success for your business. As your local accountancy firm, we aim to become an indispensible source of advice and guidance. Our professional input can guide you through your legal requirements and enable you to maximise profits and minimise tax. We can then both enjoy the satisfaction of seeing your business thrive! What will it cost? We work on a “no surprises” approach to fees and can provide you with an estimate of fees before the start of any assignment. We offer flexible payment plans and have many payment options available including credit card and Eftpos facilities, FeeSmart, direct credit and monthly fixed price plans.

Alan Clarke Financial Services provides investment advice and management services with a difference. With over two decades in the industry can help

levinbudgetservice@xtra.co.nz.Open 9am till 3pm. ph: 06 3686 924. Mb: 027 450 8282. fax ph: 06 3682520

Guiding your business to success is what the professional team at Hetherington Johnston do. They offer accounting and financial services which are clearly defined, highly structured and priced in accordance to the value they represent to clients. Tax, auditing, acquisitions and mergers, and strategic planning are just some of the things they can do. “One of Hetherington Johnston Ltd's biggest assets is its team. There is a high level of trust, caring and mutual respect amongst team members and our clients. As a team, we keep up to date with the ever changing world of business.”

Callan is a Victoria University graduate in Accountancy and Commercial Law and has over 12 years in the banking industry. His past experience and wealth of knowledge is of great value when assisting his clients from first home buyers to complex commercial borrowers. Callan's specialist skills in commercial finance include property investment/development, working capital funding, mergers/acquisitions and MBO funding solutions along with franchises, and start ups. FREE service for house finance and most business transactions.

Alan Borthwick of DUX Financial Services Limited is an Authorised Financial Adviser (AFA) under the Financial Advisers Act 2008. Alan specialises in providing quality advice to his clients to help them achieve their personal financial goals. So, if you are a first home buyer looking to get your first mortgage and want advice on the whole process; looking to buy your second home and pay it off faster; or an investor building a portfolio, Alan can provide quality advice and finance for you. If you want to make sure the insurance plan you have will adequately protect you and your family or your business, Alan has a process that will help you determine your needs and fit your budget. Want to make sure you are in the right KiwiSaver Scheme? And, want to know what you will get at the end, and how much you need? Alan (as an AFA) can provide that advice for you. Need to protect your core assets (house, car, contents, and rental property)? Alan will provide the advice now and assist at claim time. Need to save for a financial goal? Alan will guide you through a step by step plan to get you there. Alan’s focus is to help his clients get the right advice for their situation and ensure it fits their needs now and into the future. Alan believes in advice over product, and wants to make sure that his advice suits your short, medium and long-term goals. For a no obligation, no charge discussion on your situation and to see how Alan can assist you with your financial goals, don’t hesitate to get in touch. Social Media Disclaimer: This page is monitored daily by DUX Financial. We support the discussion of free speech and engagement with others, however we reserve the right to remove anything posted to this page that we deem to be offensive, including: • violent, obscene, profane, hateful, suggestive or racist posts, links or images • comments that threaten or defame any person or organisation • solicitations, advertisements, or endorsements of any financial, commercial organisations • off-topic posts by a single user • repetitive posts copied and pasted or duplicated by single or multiple • users. Offensive users will also be blocked from our social network pages. DUX Financial is not responsible for the personal, political, organisational or religious beliefs of its friends, fans or followers across all social networks. All contributors are asked to keep in mind DUX Financial’s core values -including integrity, respect, and excellence - when communicating with or about us. Our Privacy Policy may be viewed here : http://duxfinancial.co.nz/dux-financial-privacy-policy/ Please feel free to contact us alan@duxfinancial.co.nz.

Our five pillars of insurance, home loans, KiwiSaver, investments and biz services provide our clients with specialist advice in all areas.

Finance specialists for all Vehicle, Plant & Equipment and Mortgage Finance.

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