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. 💛
