InsuranceThe right cover, from the right insurer, at the right price.
Insurance, KiwiSaver & ACC advice for New Zealand families and businesses.
Cambridge-based financial advisers specialising in personal risk insurance, KiwiSaver, and ACC restructuring, with a particular focus on self-employed Kiwis, tradespeople, and rural businesses.
We're a family-run team with over 16 years of experience, and we're not tied to any single provider, so the advice you get is genuinely independent.
Tell us your plan A and we'll sort your plan B
We get it - Insurance & KiwiSaver can feel complicated.
There are a lot of options out there, and it's not always obvious what you actually need. That's exactly what we're here for. We cut through the noise, ask the right questions, and give you clear, practical advice. No jargon, no pressure.
EFS has been helping New Zealand families and businesses for over 16 years. We work across personal risk insurance, KiwiSaver, and ACC restructuring, and because we're independent, we're not tied to any single insurer or provider. That means every recommendation we make is based on what works for you.
We're a family-run business, and we work the way families do, with care, with honesty, and with a long-term view. When life changes, we change with you. And when things go wrong, we're the ones in your corner making sure your cover actually does what it promised.
Who We Help
Families
Protecting income, KiwiSaver, and what matters most, advice built around your actual life stage, not a generic policy.
Self-Employed Kiwis
Smarter ACC levies and cover that works the way self-employment actually does. This is where we go deeper than most advisers.
Small Business Owners
Key Person cover to protect the people your business depends on, alongside KiwiSaver and insurance advice for your team.
Fully customised. To YOU.
Every family and business is different, which means your insurance, KiwiSaver, and ACC cover should be too. We take the time to understand your situation properly before we recommend anything.
Whether you're protecting your income, sorting your KiwiSaver, or restructuring your ACC as a self-employed Kiwi, we'll make sure your cover actually fits your life, not just a generic template.
Wills & Estate PlanningSimple, affordable wills through SimpleWills or Footprint, we'll point you in the right direction.
Ready to get your ducks in a row?
Whether you've got a specific question or you're just not sure where to start, we're easy to talk to and there's no obligation. Book a free chat with one of our advisers and we'll take it from there.
