Racquel Sheath - Advisor

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Racquel Sheath - Advisor

Hey there! I'm Racquel - a financial advisor, protector of futures, and former Olympic Track Cyclist.

26/03/2026

I’ve just come off a recent KiwiSaver adviser workshop, and one thing really stood out:

Most people are in a KiwiSaver fund… but very few are actually in the right one.

Over time, small things like:

- Being in the wrong fund
- Sticking at the default 3% contribution
- Not reviewing as life changes

can make a significant difference to your long-term outcome.

KiwiSaver isn’t something that should be set and forgotten. It should evolve as your income, goals, and stage of life change.

If nothing has changed with your KiwiSaver in the last 12–24 months, it’s worth a quick check to make sure it’s still aligned with what you’re trying to achieve.

I’m offering short review sessions to:

- Check if your fund matches your timeframe and goals
- Review your contribution settings
- Make sure your overall structure still makes sense

If you’d like me to take a look, just comment below & I'll be in touch!

13/10/2025

I’ve been awfully quiet on here lately — and for good reason! 💕 My husband and I welcomed our first little bundle of joy in late August, and we’ve been soaking up every moment of that newborn bubble.

Having this tiny human depend on us has been the biggest reminder of how important it is to protect our little family. She’s already covered under our health insurance and even has free child trauma cover through our own policies — meaning if the worst were to happen, we could focus on being together instead of worrying about finances.

Knowing that’s in place has really helped calm my first-time mum nerves. So grateful for that peace of mind while navigating this new (and very beautiful) chapter 😍

It’s amazing how becoming a parent makes the ‘why’ behind what I do feel so much bigger 🤍

29/04/2025

📅 Nearly 5 Years in Financial Services – Here’s What I’ve Noticed

As I approach five years in the financial services industry — specifically focused on life, health, and KiwiSaver advice — I’ve been reflecting on how much has changed, both in the industry and in the way people approach financial decisions.

Here are a few trends and insights I’ve observed:

🔍 More informed, but more overwhelmed:
Clients are doing their research — which is great — but with that comes confusion. There’s so much noise online, and it’s becoming clear that people want trusted guidance, not just more information.

💡 Value over price:
The cheapest cover is rarely the best. More people are starting to realise that insurance is not a commodity — it’s a tool for protection, support, and peace of mind. Conversations are shifting from “What’s the cheapest?” to “What’s going to serve me when I need it most?”

👩‍👧‍👦 Women are stepping up:
I’ve noticed a rise in women taking the lead on household financial decisions. It’s empowering to see more clients asking the right questions, advocating for their families, and planning for their futures.

📈 ACC, income cover, and real-life risk:
There’s still a big gap in understanding how vulnerable we are if health or income takes a hit. The biggest “aha” moments in client meetings often come from talking through what could happen, and what support is actually available.

What I’ve learned?
Advice is not about pushing products — it’s about creating clarity, reducing stress, and helping people feel confident about their future. The human side of this job matters just as much as the technical side.

To those who’ve trusted me with their protection and planning so far — thank you. It’s a privilege I don’t take lightly.

Here’s to the next five years — and continuing to advocate for better understanding, better decisions, and better outcomes. 💛

03/09/2024

We all dream of a world where our health and finances are secure, no matter what life throws at us. But with the cost of living on the rise and public healthcare stretched thin, the reality for many Kiwis is far from this ideal.

So, how do we bridge this gap? It starts with ensuring you have the right insurance cover in place. Health insurance gives you timely access to care, while income protection provides a safety net if illness or injury keeps you from working.

The truth is, life is unpredictable, but that doesn’t mean you have to face it unprepared. Reviewing your coverage now could mean the difference between peace of mind and financial stress later on.

Take action today—secure your future, protect your wellbeing, and focus on living life to the fullest.

13/06/2024

🍎🥦 **Nutrition Tip Alert!** 🥦🍎

Want to keep your immune system strong this winter? Start with what you eat! Here are some of the best foods to support your immunity:

- Citrus Fruits: Packed with Vitamin C! 🍊🍋
- Leafy Greens: Full of vitamins and minerals. 🥬
- Garlic: A natural immune booster. 🧄
- Yogurt: Probiotics for a healthy gut. 🥛
- Nuts & Seeds: Rich in healthy fats and zinc. 🌰

Incorporate these immune-boosting foods into your diet and give your body the support it needs to stay healthy and strong. 🥗✨

What’s your favorite immune-boosting food? Share with us in the comments! 👇

06/06/2024

🌟Winter Wellness 🌟

As the colder temperatures roll in (hello morning frost! ❄), it's super important to keep our health in check and boost those immune systems.

Over the next six weeks, we'll share some handy tips and insights to help you stay healthy and strong this winter.

Here’s what’s coming up:

🥗 Nutrition Tips: Find out which foods can give your immune system a
boost.
💆‍♀️ Stress Management: Try out some easy techniques to chill out and reduce stress.
😴 Sleep Hygiene: See how better sleep can help keep you healthy.
🚴‍♂️ Daily Exercise: Get moving with simple exercise ideas.
🥕 Reducing Sugar: Learn why cutting back on sugar is a good move.
💧 Back to basics: Brush up on essential hygiene practices to keep the germs at bay.

Let’s team up to stay healthy this winter.

Stay tuned for our first tip on eating for immunity!

Pictured: Me, pre-early morning Barre class 💃

05/06/2024

Don't miss out on your free money from the Govt!!

Every dollar you put in, up to $1042.86, it will be matched with 50c, up to $521.43

I don't know about you, but I love free money & making my KiwiSaver grow. Instant 50% returns are pretty rad!

This applies to all with KiwiSaver, not just Self-employed, but serves as a reminder to get it in!

You've got until 30th June to ensure you get the government contributions into your KiwiSaver.

01/06/2024

This one is for the gals...

Ever felt like you're more of a saver than an investor? You're not alone! 💁‍♀️

But here's the deal: embracing investing, especially through KiwiSaver, could be the key to unlocking your financial future!

Nancy Tengler, investment guru, says women are AWESOME investors – and she's spot on! Yet, we often hold onto too much cash and miss out on the wealth-building potential of investing.

Time for a change, right?
Here are three things Tengler suggests:

1️⃣ Take more risks – even in KiwiSaver! Shifting from conservative to balanced or growth-style funds can supercharge your savings over time. Don't let fear hold you back from reaching your financial goals!

2️⃣ Stay the course: Market ups and downs can be nerve-wracking, but don't panic! Stick to your KiwiSaver plan and ride out the turbulence. Your future self will thank you!

3️⃣ Do your homework: Whether it's choosing KiwiSaver funds or investing in individual shares, knowledge is power! Take the time to research and invest in what you understand. Your financial future is worth it!

Ready to take charge of your finances and watch your KiwiSaver grow?
If you need a hand finding a KiwiSaver that's right for you, then I'm your gal!
Straight-up advice is what you'll get from me.

30/05/2024

Hey there! I'm Racquel, and I wear a few hats - financial advisor, protector of futures, Barre Instructor, and former Olympic Track Cyclist.

For the past four years, I've been diving deep into the world of financial advising, specialising in life & health insurances and KiwiSaver. Yep, got that NZCFS Level 5 qualification under my belt, too!

You know, my journey from the track to financial advisory might seem like a leap, but it's all about that same drive and focus. Helping people like you protect what matters most - health, wealth, and your way of life - that's my jam.

So, whether you're looking to sort out your insurance game or optimise those KiwiSaver gains, I'm here to chat. Let's work together to build a solid financial game plan that's all about you.

https://www.efsnz.co.nz/

05/10/2023

As a financial advisor, my primary goal is to help you achieve financial security and peace of mind.
I specialise in three key areas:

1. KiwiSaver: I guide you in making informed decisions about your KiwiSaver account, ensuring it aligns with your retirement goals. Whether you're just starting or looking to optimise your existing account, I provide expert advice to maximize your savings.

2. Life and Health Insurances: I help you protect what matters most – your family's future and your own well-being. We'll assess your insurance needs, whether it's life, health, or income protection, and find the right policies to provide security and financial stability for you and your loved ones. This includes help with ACC for self-employed business owners & sole traders.

3. Money Coaching: In addition to expert financial advice, I offer specialised money coaching services designed to empower you in your financial journey. Through personalised coaching sessions, I'll help you gain clarity on your financial goals, develop effective budgeting strategies, and cultivate positive money habits.

My client-centered approach ensures that your unique financial situation, goals, and risk tolerance are understood. Together, we'll create a tailored plan to help you achieve your financial aspirations and ensure you have the right protections in place.

I'm here to simplify complex financial decisions, provide clarity, and empower you to make confident choices. Let's work together to secure your financial future and protect what matters most to you.

Address

31 Empire St
Cambridge
3434

Telephone

+64212986357

Website

https://www.efsnz.co.nz/, https://zcal.co/racquelsheath

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