Carricks Financial Partners for Life

Carricks Financial Partners for Life Carricks has proudly served Waikato for over 30 years. Family is at our core, with two generations of trusted advisors and three generations of loyal clients.

We're here to make sure you're protected when it matters most. An experienced team, protecting you, your assets and your loved ones! Welcome to Carricks – your financial partners for life. At Carricks, we pride ourselves on combining excellent customer service with over 20 years of industry experience. We are dedicated to informing, educating and encouraging our clients to protect their life, thei

r lifestyle and their loved ones. Please subscribe to our newsletter to ensure you receive regular and up-to-date news about our company, events within the community and industry updates.

Professional development isn’t always about learning more about products. Sometimes, it’s about stepping back and lookin...
10/08/2026

Professional development isn’t always about learning more about products. Sometimes, it’s about stepping back and looking at how you can do things better.

Nick has recently begun the Advice Masters course with Fidelity Life, a five-month personal development programme designed specifically for experienced advisers and business owners.

The focus is on improving the person, the business and the processes behind it, with the opportunity to learn alongside other experienced advisers, directors and industry leaders.

For Nick, one of the most valuable parts has been hearing how other businesses operate, asking why they do things differently, and having conversations that challenge the way you think.

We’re big believers that there’s always something to learn, and ultimately, continuing to develop behind the scenes helps us build a stronger business and provide an even better experience for our clients.

Farms don’t stand still — and your insurance shouldn’t either.Over time, things shift.New equipment, changing stock leve...
24/05/2026

Farms don’t stand still — and your insurance shouldn’t either.

Over time, things shift.
New equipment, changing stock levels, rising costs, more people involved.

Most of the time, gaps aren’t intentional.
They’re just the result of a business that’s grown and evolved.

This quick checklist is a simple way to sense-check where things are at
and whether your cover is still doing what it should.

If you find yourself answering “not sure” to a few of these…
it might be time for a review.

🚜 Download the full rural insurance checklist on our website
or get in touch for a quick chat

Farm Succession: Have you actually got a plan in place?For many farms, it’s not just a business.It’s something built ove...
19/05/2026

Farm Succession: Have you actually got a plan in place?

For many farms, it’s not just a business.
It’s something built over generations, with the intention of passing it on.

But without a clear plan, things can get complicated quickly if something unexpected happens.

Questions come up like:
• Who takes over?
• What happens to ownership?
• How are family members supported?

And without funding in place, it can lead to:
• Forced asset sales
• Financial pressure
• Strain between family

This is where planning (and the right insurance) matters.

It helps:
• Keep the farm running
• Support your family
• Give everyone clarity on what happens next

A simple question to ask:
If something happened tomorrow, would everyone know what to do?

If not, it’s worth a conversation.

At Carricks, we keep it practical, helping farming families put plans in place that actually work.

Get in touch to chat, or read more on the blog: https://www.carricks.co.nz/blog/post/163374/farm-succession-planning-protecting-your-business-and-your-family/

What happens if you can’t work on the farm?Most farms rely on a small number of people to keep things running.If one of ...
10/05/2026

What happens if you can’t work on the farm?

Most farms rely on a small number of people to keep things running.

If one of them is suddenly out due to illness or injury…
the impact is immediate.

Stock still need feeding.
Work doesn’t slow down.
But income can.

Without the right cover in place, you may need to:
• Bring in extra help
• Delay or reduce production
• Rely on savings or take on debt

This is where personal risk cover comes in.

Things like:
• Income protection
• Life cover
• Trauma cover
• TPD cover

All designed to support you and the business if something unexpected happens.

A simple question to ask:
If you couldn’t work for 3, 6, or 12 months… what would that look like?

If that feels uncertain, it’s probably time for a review.

At Carricks, we keep it practical, making sure there’s a plan in place if things don’t go to plan.

👉 Get in touch to chat, or read more on the blog: https://www.carricks.co.nz/blog/post/163373/protecting-farm-income-what-happens-if-you-cant-work/

Is your farm insurance still keeping up?Farms change over time.New equipment, shifting stock values, more people on-site...
04/05/2026

Is your farm insurance still keeping up?

Farms change over time.
New equipment, shifting stock values, more people on-site.

But insurance doesn’t always keep pace.

We often see:
• Machinery underinsured
• Infrastructure not declared
• Stock values out of date
• Liability cover too low

You usually only find out when you need to claim.

Quick check:
Has it been over 12 months, or has something changed on the farm?

If yes, it’s worth a review.

At Carricks, we keep it simple, making sure your cover actually reflects how your farm runs today.

If it’s been a while, now’s a good time to check in. Read more on our latest blog post: https://www.carricks.co.nz/blog/post/163372/rural-insurance-for-farmers-what-cover-do-you-actually-need/

Most businesses rely on a few key people more than they probably realise.It might be the owner, a senior team member, or...
29/04/2026

Most businesses rely on a few key people more than they probably realise.

It might be the owner, a senior team member, or someone who holds a lot of the relationships or knowledge.

If something happened and they couldn’t work for a period of time, what would that actually look like for the business?

It’s not always an easy question to answer, which is often why it gets left.

There are ways to plan for it, and to put some structure around that risk so you’re not figuring it out under pressure.

We’ve talked through a few of those considerations here:
www.carricks.co.nz/blog/post/163386/key-person-insurance-business-nz/

A new financial year is underway, which usually means a bit of time spent looking at the numbers.It can also be a good m...
20/04/2026

A new financial year is underway, which usually means a bit of time spent looking at the numbers.

It can also be a good moment to step back and look at what sits behind those numbers.

Businesses change over time. Teams grow, assets shift, new opportunities come up. What worked a year or two ago might not quite line up with how things look today.

Insurance is one of those areas that can quietly fall behind.

We’ve pulled together a short overview of what’s worth checking in on, and where we tend to see gaps appear.

Worth a look if it’s been a while since you last reviewed things:
www.carricks.co.nz/blog/post/163383/business-insurance-nz-review/

16/04/2026

We have a role available at Carricks and we want to find the right fit.

This is a client coordinator and adviser support role, sitting across both our insurance and investment sides of the business. You'll be the person clients hear from, the one keeping things moving internally, and a big part of why people feel well looked after when they deal with us.

If you're organized, tech-savvy, and genuinely care about doing right by people - hit the link below. We'd love to hear from you. ⬇️

Have you done a business insurance check-in for the new financial year?Things tend to shift gradually in business, which...
14/04/2026

Have you done a business insurance check-in for the new financial year?

Things tend to shift gradually in business, which means insurance can quietly fall out of sync without anyone realising.

We’ve put together a more detailed checklist on our blog if you’d like to take a closer look:
www.carricks.co.nz/blog/post/163387/business-insurance-checklist-nz/

If anything here raises a question, happy to chat it through.

Address

357 Racecourse Road
Cambridge
3493

Opening Hours

Monday 8:30am - 5pm
Tuesday 8:30am - 5pm
Wednesday 8:30am - 5pm
Thursday 8:30am - 5pm
Friday 8:30am - 5pm

Telephone

+6479294471

Website

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