Personal Risk Management Plans, Business Risk Management Plans, Investment Plans, Succession Planning, Riskybusiness, Riskyliving, Kiwisaver

Insurance & Investment Advisers, Financial advisers, Business insurance, Investment Planning, Financial Planning, Insurance Quotes, Kiwisaver Advisers

Personal Risk Management Plans

Cover yourself against the unexpected. Life is no game show. An event like a major illness causes emotional stress and that’s the last thing you want when dealing with financial worries, particularly if the main income earner or homemaker is affected.

Similarly, losing a loved one, becoming sick or disabled is traumatic enough without the additional stress of financial hardship. Insurance will bridge that gap.

Good risk management includes making sure you don’t lose your home if you can’t work for an extended period, and ensuring your family survives well in the event of your death.

Business Risk Management Plans
Is the future of your business control something you have thought about? Have you considered a strategy to ensure your business remains in the right hands? Should you become ill, injured or die, these are inescapable issues for all involved in small business, and it’s in your interests to tackle succession planning before the need actually arises.

When something happens to you or your business partner, you can expect your creditors to take a greater interest in your business, an interest which may extend to the following:

personal guarantees called up
foreclosure by creditors and banks
restrictions on credit terms
reduced ability to service debt

These drastic measures can be avoided. A succession plan can achieve positive outcomes including:

having funds available to purchase the shares or the business interest at the time they are required
develop / train owners, or find a future owner for the business
ensure the existing business owner(s) receives a fair price for their business interest.

By insuring the business owners against premature death or disablement, all business debts are cleared and the value of the business is ‘solid’, ready for sale.

PLANET advisers can help you identify, plan & implement your individual and business risk management needs - before it is too late.

Investment Planning

There are many different reasons for investing – depending on your lifestyle objectives and stage of life. However the prime reason is to achieve or maintain financial security.

Short-term savings and long-term investments

Saving for a holiday or new car is not necessarily incompatible with providing for your retirement. Many people find it hard to save. Here are some of the reasons why:

They have no definite plans
Their plan lacks compulsion
The temptation to make withdrawals is too great
Their plan does not match their truly worthwhile goals
They invest in the wrong markets, without enough diversification.

With the introduction of KiwiSaver, many of the retirement planning issues are taken care of. While the Government does not guarantee these investments, it certainly provides a very strong encouragement to save for retirement.

Who and where you invest your KiwiSaver funds could be critical to maximizing your long term return. Don't leave it to chance. Speak with a PLANET adviser about your plan.

For most people, investing is a journey - along which you learn new things, have new experiences, and are introduced to new people and ideas.

Create certainty around future events - contact a PLANET adviser today!

Personal Risk Management Plans, Business Risk Management Plans, Investment Plans, Succession Planning, Riskybusiness, Riskyliving, Kiwisaver