Josh Cuttance - Insurance and Kiwisaver Adviser

Josh Cuttance - Insurance and Kiwisaver Adviser I give advice on your Personal Insurance and KiwiSaver then look after it, so you know you are sorted

06/04/2026

Think you know your coffee? So did we…

Turns out we (mainly Josh) have no idea what we are talking about!

Pickleball Comp 2nd place. Add it to the resumé 🎾
13/03/2026

Pickleball Comp 2nd place. Add it to the resumé 🎾

Are you hyped to sort your insurance? Probably not. I’ll bring the hype. You get yourself and family protected 👊🏽
15/10/2025

Are you hyped to sort your insurance? Probably not.

I’ll bring the hype.

You get yourself and family protected 👊🏽

Why do you work hard? Why do you try and eat healthy? Why do you pay for your insurance? Because of them. Those three th...
06/09/2025

Why do you work hard?

Why do you try and eat healthy?

Why do you pay for your insurance?

Because of them.

Those three things are often time and money spent not just for yourself, but for other people.

The last question…that’s my specialty.

Done right, it’s a pivotal piece in your family’s financial stability.

I’m always thrilled each time a business, couple, family come in who never had cover before or had the bare basics walk away with a solid plan.

Because they have made a decision to support themselves and those around them.

Because it’s not just about you, it’s about them.

People often come in to get cover sorted right when life’s events are about to happen.Being flexible and helping make it...
17/08/2025

People often come in to get cover sorted right when life’s events are about to happen.

Being flexible and helping make it happen is all part of the job.

You aren’t inspired by it...You would rather not have to pay good money for it..In fact, you hope you never need it...Bu...
02/06/2025

You aren’t inspired by it...

You would rather not have to pay good money for it..

In fact, you hope you never need it...

But you might...

And that’s the point..

We might as well do it properly.

Recent KiwiSaver changes - the group left behindMany sole traders and small business owners don’t contribute to KiwiSave...
23/05/2025

Recent KiwiSaver changes - the group left behind

Many sole traders and small business owners don’t contribute to KiwiSaver because they feel they can ‘make the most of the money’ elsewhere.

The hard reality is most actually don’t.

Many small business owners historically contributed $1,042 per year to get the $521 and that’s it.

With the drop to $200 odd they likely won’t bother.

Then when they get to retirement, the business doesn’t sell for that magical figure they had hoped and if they haven’t diversified (many also don’t) it’s a problem.

Because KiwiSaver isn’t as high either.

I understand this is a bit of a case of ‘make your bed and sleep in it’ but policy should consider human nature and reality of what people do.

What it does highlight is my role as a KiwiSaver adviser to this New Zealand cohort is even more important.

And then there were four..Welcome in Taylor Cumberland as a Trainee Adviser. This is an exciting step for the business a...
22/04/2025

And then there were four..

Welcome in Taylor Cumberland as a Trainee Adviser.

This is an exciting step for the business and also means we can serve our clients even better.

I know that Taylor is going to be good. I have been bowling cricket balls to him in the nets for almost a decade in our time with the Albion Cricket Club Premier team.

Our team is small but mighty.

The plan is to continue to grow, to keep improving our systems, work with more businesses and families to make sure they are appropriately protected.

But top of mind for me isn’t just about growth at all costs....

We need to do it sustainably, so that our service levels stay high and we maintain our top draw working environment. Ensuring we still have a strong focus on the things that really matter.

Join me in welcoming Taylor! 👏 👏

My Chat GPT prompting needs work. The prompt was “The Muppets” but still think the 2nd photo is closer 😂A couple of good...
09/04/2025

My Chat GPT prompting needs work. The prompt was “The Muppets” but still think the 2nd photo is closer 😂

A couple of good mates of mine who are at the top of their game.

These two have a business in the SHARE financial advice network just Iike I do. We all specialise in personal insurance and KiwiSaver.

Last weekend we spent a day talking business. How we can do things better, serve clients better, run better businesses and have fun while doing it.

I consider myself pretty lucky to have the structure we do and to be around others who are wanting to continually get better….

For ourselves and our clients.

More staff means more desks…Thanks to Louie for help with the late night set-up.Feels like I’m hitting an all time high ...
06/03/2025

More staff means more desks…

Thanks to Louie for help with the late night set-up.

Feels like I’m hitting an all time high of hours worked at the moment. That’s not a flex, I don’t actually think it’s a good thing.

Working too much all the time isn’t sustainable.

It means I’m not as sharp, I’m a less present Dad and most likely husband.

So we have further invested in our team, systems and workflow to be more streamlined.

Sometimes it’s 2 steps back to go 5 steps forwards.

Looking forward to the view from the next 5.

How did you get into insurance? I get asked that quite a bit. Most people don’t land in insurance intentionally, somethi...
24/01/2025

How did you get into insurance?

I get asked that quite a bit.

Most people don’t land in insurance intentionally, something brought them there.

My story starts like that but then took a bit of an interesting turn…

Thanks to Asset Magazine for the feature in telling my story.

While things didn’t start out straight forward I believe with 100% conviction that I’m doing exactly what I should be.

Helping people protect the things that matter most, educating and building lasting relationships along the way.

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Level 6, John Wickliffe House, 265 Princes Street
Dunedin

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