If you’re wondering how your monthly premium can be less than your phone bill, but cover you for more than the cost of a brand-new car, you’re not the only one. This is because of a clever concept called ‘risk pooling’.  What is ‘risk pooling’? Risk...

In this busy world, everyone wants to make the most of their time and effort, but at one place we always feel behind, when we opt for advisory service. And the problem got compounded when we lost all the great questions and concerns to be raised with advisers when...

How did you choose your Kiwisaver provider? This short video might help you decide: Give us a call on 0211 835 835 or email  shak@haloadvisers.co.nz  to find out...