Harness Financial

Harness Financial Here for you, your family or your business. Reach out for a no obligation chat today. Harness your financial freedom! Got insurance? That’s great! Have a KiwiSaver?

We are Financial Advisers based in Wellington, New Zealand. We specialise in:
Insurances - Life, Health, Income Protection, Trauma Disability Insurance, advice
Investments - Investments, KiwiSaver and Retirement Planning

No plan? Let us do an assessment and make some tailored recommendations — initial consult free of charge. But let us provide you with a full assessment so we can dig out that bad

advice, show you what’s what, and make your policies go further. We will review your current KiwiSaver and provide you with personalised advice and alignment with your wealth creation journey. Have an Investment? We will review your current Investment and provide you with personalised advice and alignment with your wealth creation journey to ensure it is fit for purpose. Businesses? We’ll also give you the best insurance advice for your small-to-medium business, including key person, group plans, and cover for share purchase agreements. Again, we’ll tailor it all the way. https://www.harnessfinancial.co.nz/disclosure-statement/

26/05/2026

Retirement planning by generic table? Nope.

Your retirement number isn’t just “city vs rural” or whatever spreadsheet category you’ve been shoved into.

It’s your bills, lifestyle, non-negotiables. Your travel plans. Your “I’d rather not live on 2-min noodles” budget.

We’ll get you into proper planning, with the vision of the life you want, then the numbers to support it 👌🏼🙂‍↕️

20/04/2026

If your business has changed, your insurance probably should too.

A review should find out:
- what cover you already have
- what gaps may have opened up as the business grew
- whether you’re relying too heavily on personal cover when some of that risk should sit with the business

So it’s less “Do I have insurance?” and more “Do I have the right setup for what I need to protect?”

A proper review helps you clean up overlaps, spot blind spots, and make sure the cover still fits the business you have now, not the one you had three years ago.

01/04/2026

The real danger isn’t always the diagnosis, but the assumptions subconsciously made.

A lot of people assume they’re “probably fine” and never stop to check whether their cover would actually hold up if life went sideways.

Good advice includes education, understanding what your policy does and does not do, and making sure you’re not paying for cover that gives you a nice feeling but poor protection.

Talk to the experts (us) 👌🏼😎

18/03/2026

We’ve all met that person who worked hard, saved well, and never actually enjoyed it.

Overshot every goal, but missed the point.

Money means nothing if you never spend it on the life you built it for.

If you’re not going to run out of money, go live a little. Time’s the only thing you can’t earn back.

10/03/2026

We get it. ESG was supposed to make investing ethical. But somewhere along the way, it turned into a performance. Companies learn how to tick the right boxes while nothing really changes. Tesla gets dropped, Shell gets a gold star. The truth? You don’t need to join an ideology to invest with conscience. Just good advice, clear values and smart decisions that match both.

03/03/2026

Health insurance costs are climbing fast. Medical inflation is sitting around 14%. Treatment’s getting more expensive, and premiums are following. But before you cancel your cover, get advice. There are smarter ways to structure your policy so you’re still protected and not overpaying. The goal is to make sure you win, not the insurance company.

24/02/2026

If your financial life feels out of control, we can help you make sense of it. It starts with clarity. Knowing where you are, where you want to be, and how to get there. We use lifetime cashflow modelling so you can see it all play out whether you’re building your foundation or finally deciding if it’s time for a little business class. It’s about creating confidence, not confusion.

17/02/2026

You worked hard for your money. At some point, it’s okay to actually enjoy it. We see people chase wealth their whole lives, then forget how to live. If you’re not going to run out of money, take the trip, fly business class, spend it on the moments that matter. Time is limited, and no one wishes they’d saved more on their deathbed.

11/02/2026

We see it all the time. People work their whole lives to build financial freedom, but lose time and health in the process. True wealth isn’t just about money. It’s about finding the point where your time, health and finances all line up. That’s the real goal.

09/02/2026

Ever feel like “ethical investing” is just marketing with a halo?

Sam and Dieter unpack the reality behind ESG and carbon credits.

Where companies like Tesla get dropped, Shell gets rewarded, and the rules seem… flexible. The point isn’t to roll your eyes at the system but rather to understand what you’re actually investing in.

Not all “green” is clean.

Address

Level 8, 95 Customhouse Quay
Wellington
6011

Opening Hours

Monday 9am - 6pm
Tuesday 9am - 6pm
Wednesday 9am - 6pm
Thursday 9am - 5pm
Friday 9am - 5pm

Telephone

+6443847113

Website

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