- Craig comes to us. He’s listened to our goals, our investment needs and our insurance needs & he’s sold us products that fit best to suit our lifestyle.
- Louis & Barbara Kuriger
- Craig has really looked after us, He’s gone and got the best deals. That’s his job.
- Ross & Shelley Clark
- Dealing with a specialist company like Abacus is vital. That relationship thing is absolutely important because you know someone is going to bat for you.
- Steve Day, MD Pace Engineering
- I am truly grateful to Jamie and consider myself extraordinarily fortunate to have received the benefit of his astute advice and assistance.
- - J. F. Pickett
- It has felt very good to know we have Richard and the team at Abacus Group Ltd on our side.
- - Brian and Tracey Downes
- Richard bent over backwards in his endeavours to help us every step of the way through the claim, making the process as simple as possible.
- - John & Carole Lynskey
It seems expensive to hire advisers. But it can also be costly to try to go it alone. As for poor advice - that can cost you the most.
The good news is the Government is reviewing financial advice, aiming to make it more accessible. But they need to hear your views to find the best way to improve things.
Getting advice can be hard. First, there are not enough advisers to go around. Second, most people can't get independent advice because they don't have enough funds to manage.
Yet we still need guidance, and not the informal "around the barbecue" hearsay that could send us down the wrong rabbit hole.
Many advisers only get paid if you buy, sell or change something, since they're paid for transactions or on commission.
When you're looking for an adviser, ideally the best ones will do what's right for you, not for them. Sure, they need to make a living like the rest of us, but the client need to stay front and centre.
That way the adviser does not have any conflict of interest and no reason to steer you into a product that's not right for your situation.
It's worth asking advisers sharp questions, like "how do you get paid?". You'll find more on the Financial Markets Authority website.
Tom Hartmann is resident blogger at Sorted, brought to you by the Commission for Financial Capability.
Happy Waitangi Day!
PART TWO OF A SIX-PART SERIES
The provincial hospital in Matanzas where Craig had three emergency surgeries looked good from the outside, but standards, experience and facilities were extremely lacking.
PART THREE OF A SIX-PART SERIES
Richard: “Remember virtually nobody could speak English and we had no Spanish. There was also an underlying culture we didn’t know about until later, that you just had to go along with the system. Being loud and pushy wouldn’t work, we just had to be very patient.