Spratt Financial Services @SprattFinancial
Spratt Financial Services offer a full range of Insurance, Investment and Mortgage solutions. We offer tailored solutions to secure your financial future. spratt.co.nz Auckland, New Zealand Joined March 2013-
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Confused by insurance jargon? This plain-English glossary explains the key terms in Life, Health, Income Protection, Trauma, TPD and Business Insurance for New Zealand clients. spratt.co.nz/insurance-glos…
Will your mortgage, business, health, or assets survive a shock? At Spratt Financial Services NZ, we cover people and business assets all under one roof. We simplify jargon. We chase value. If things go wrong, we are in your corner. youtube.com/watch?v=Yzto1T…
From all of us to you and your loved ones—Merry Christmas and a Happy New Year! 🎄✨ Wishing you joy and prosperity in the coming year. #HappyHolidays #NewYear2024 youtu.be/obBDBohoJZs
Worried about tomorrow's uncertainties like health issues, income loss, or property damage? 🤔 At Spratt Financial Services NZ, we prioritize listening to you and crafting a personalized coverage plan with a 99% claim success rate. #Insurance #PeaceOfMind youtu.be/-0PgLar587Q
How does Health Insurance help complement the Public Health system? youtu.be/WUiutAaMM0c?li…
Households in New Zealand with car, home, and contents insurance may now face premiums exceeding $5000 annually, as reported by Quashed. Families with multiple vehicles could see costs surpassing $6000 each year. #InsuranceCosts #NewZealand interest.co.nz/insurance/1349…
Imagine this: Tina is 35, has a mortgage, 2 kids, one income earner. Then she breaks a leg, can’t work for 3 months. Rent, bills, food don’t stop. Her savings vanish in a flash. If you’re wondering what risks you might be exposed to, a quick check-in might help. #ThinkAhead
If any of these sound familiar, it’s worth reviewing what you’ve got. We can help you check. #RiskInsurance #NZ spratt.co.nz
Are you making these insurance mistakes?: • Under-estimating what you really need. • Not adjusting for changes in health / lifestyle. • Skipping income protection or trauma cover “because I’m healthy now”. • Going with the cheapest policy and missing out on key exclusions.
NZ economy seems to be in worse shape than expected - and suffering through a deeper and longer downturn than the global financial crisis - which may lead to the need for more interest rate cuts. rnz.co.nz/news/national/…
Income Protection Hack: With NZ's struggling economy, income loss from disability affects 1 in 7 families. What folks miss: Wait periods can be as short as 2 weeks for quick payouts. Tailor it to your needs—replace lost wages without dipping into savings. spratt.co.nz/income-insuran…
More on PIE funds and their potential benefits here: cpwealth.co.nz/how-pies-creat…
What is a PIE Fund? A PIE fund is a managed investment fund that pools money from multiple investors to buy a mix of assets – a PIE moderates tax impact, allowing investors – particularly those in higher tax brackets – to grow their wealth under more favourable conditions.
CP Wealth has a deep understanding of investing for trusts and have developed investment strategies and reporting that ensures trustees meet their obligations. Investing as a Trustee cpwealth.co.nz/investing-as-a…
KiwiSaver updates: Default contribution rates rise to 3.5% in 2026, 4% in 2028. Opt-down option available. Govt. contribution cut to $260.72 with new means test. Good news—16-17 year-olds now eligible! #KiwiSaver #FinanceUpdates More info: cpwealth.co.nz/significant-ch…
Markets started volatile in April after Trump's tariffs but rebounded quickly. By June, global equities hit all-time highs despite geopolitical tensions. The "K-shaped" recovery saw tech stocks soar while non-investors struggled. #GlobalMarkets #Economy cpwealth.co.nz/economic-comme…
🔄 Life Changes. So Should Your Insurance. Got married? Bought a house? Had a baby? Changed jobs? If your life has changed, your insurance should too. 🧠 Most Kiwis don’t realise how quickly their cover can become out of date. youtu.be/_zD5Pc5Xqhc
Earn Air NZ Airpoints with an AIA insurance policy! As an AIA Vitality member, your policy helps you rack up points. Not insured yet? Spratt Insurance Brokers can get you covered and earning today. #AirNZ #AIAVitality spratt.co.nz/articles/airpo…
Do you know the difference between Level Premiums and Rate for Age Premiums? It could make a massive difference to what you pay long term. 🎥 youtu.be/iCqPPy7qkNg #InsuranceTips #LifeInsuranceNZ #LevelVsRate #SprattFinancial #MoneyMatters
Is New Zealand’s public healthcare as perfect as it seems? Discover why considering private health insurance might be wise. Learn how it complements public services and ensures you're covered. #Healthcare #NewZealand spratt.co.nz/articles/healt…
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