INSURANCE, KIWISAVER & INVESTMENT ADVICE YOU CAN TRUST

Protect what matters most, with advice that makes

sense for your life.

Clear, practical advice to secure your family, grow your KiwiSaver, and build your financial future. We partner seamlessly with your accountant, solicitor, and other trusted professionals to keep your long-term plans sorted.

Book a free 15-min chat
How we help

What we help you sort

Home & income protection

Keep your household running smoothly and protect your biggest asset. We structure tailored solutions, including Mortgage Protection and Income Protection, to cover your monthly repayments and living expenses if illness or injury keeps you off work.

Health & family cover

Ensure your loved ones are completely looked after. We guide you through Life Insurance, Trauma Cover, and Private Health Insurance so you can skip public waiting lists, access specialist care, and have real financial breathing room when health events strike.

KiwiSaver & future planning

Stop guessing and start actively growing your wealth. We provide independent, personalised advice to match your unique goals with the right KiwiSaver funds, optimising your contributions so you can front-foot your long-term retirement.

The Your Financial difference

Plain-English advice

No jargon, no complex industry talk, and zero sales pressure. Just honest, clear-cut guidance customised entirely to your unique lifestyle, budget, and long-term goals.

Truely independent advice

We aren't locked into a single provider. We partner with NZ's leading insurance and KiwiSaver providers, shopping around to find the absolute best fit for your budget and needs.

With you for the long haul

We don't just sign you up and walk away. We’re right here in Canterbury to manage life's changes, run annual reviews, and step in to handle everything when you need to make a claim.

YOur Mortgage + Your Financial = TWO SPECIALIST TEAMS. ONE CLIENT-FIRST PHILOSOPHY

How we work together for you

We operate as separate, specialist businesses to give you deep expertise in each field, while partnering behind the scenes to deliver a seamless client experience.

Your Mortgage

Mortgages & Lending Specialist

Cameron, Ricki and the home lending team specialise in finding the best mortgage structures, rates, and lending options across all major NZ banks. They help you secure your home, restructure your debt smarter, and get mortgage-free faster.

Visit Your Mortgage

Your Financial

Insurance, KiwiSaver & Investments

We focus entirely on the protections and savings that keep your family and lifestyle secure. We work with you to plan for the unexpected, grow your wealth, and ensure you have clear, practical financial guidance when life changes.

Explore our advice areas

We're your partners

In your corner for every step

While we share an office with Your Mortgage, Your Financial is fully independent. We collaborate seamlessly with your chosen advisers, whether mortgage brokers, accountants, or solicitors, putting your peace of mind first.

Meet our team

CORE ADVICE AREAS

Advice to protect your lifestyle and help secure your future

We cut through the industry jargon to provide simple, practical guidance that keeps your family, your home, and your wealth secure.

Life Insurance

Clear lump-sum financial support to protect the people you love. If the unexpected happens, this cover clears debt and secures your family's future.

Trauma Insurance

Financial relief to help you focus entirely on recovery. A lump-sum payout following a major illness lets you afford private treatment or take time off work.

Health Insurance

Bypass public waiting lists with quick access to private treatment. Ensure prompt care for specialist visits, diagnostic tests and non-funded medicines.

Mortgage & Income Protection

Keep your household running if injury or illness stops you from working. Receive a monthly payment tailored to cover your exact mortgage and living costs.

KiwiSaver Advice

Stop guessing and start actively growing your savings. Get practical guidance to pick the right fund and stay on track for your first home or retirement.

Investment Advice

Build long-term wealth with confidence. Whether saving for a milestone, providing for your children or planning ahead, get a simple strategy tailored to your goals.

THE YOUR FINANCIAL DIFFERENCE

Simple, practical guidance for what matters to you most

Clear, jargon-free guidance

We cut through complex industry speak to give you honest options. You get simple, actionable advice so you can make confident decisions for your family.

Tailored to your reality

No cookie-cutter templates or rigid packages. We structure your protection and savings around your actual lifestyle, budget, and long-term goals.

Partners for the journey

Your plan evolves as your life changes. We provide ongoing support, regular reviews, and active help at claims time when you need us most.

About the team

Your local specialists, standing in your corner

At Your Financial, we believe you deserve straightforward financial advice built on trust and genuine care. We operate as a specialist, Canterbury-based business dedicated to helping you protect your lifestyle and grow your future wealth.

We work alongside a highly skilled network of strategic partners, including the home lending experts at Your Mortgage and professional referral networks across Canterbury, to deliver a seamless, fully integrated service for all our clients.

Blair Bisman

Lead Financial Adviser

Blair is your primary personal insurance, KiwiSaver, and investment specialist. Canterbury is home, where he lives in the Lincoln and Christchurch community with his wife Penelope and their three daughters.

With eight years in the industry as both an adviser and a Business Development Manager for a leading NZ provider, Blair brings deep insight into policy structures, underwriting, and claim systems. He uses this behind-the-scenes experience to negotiate the best possible outcomes for your family.

For Blair, the most rewarding part of the job is standing in your corner when it matters most. When things get tough, he takes care of the claims process and paperwork so you never have to navigate the hard stuff alone.

Book a free 15-min chat with Blair

common questions

Frequently asked questions

How does your remuneration work and are there any fees?

Our advice is provided at no direct cost to you. Just like standard mortgage brokers, we are compensated directly by the specific provider you choose if you decide to take out cover, structure an investment, or adjust your KiwiSaver. There are no hidden fees, no invoices, and zero sales pressure, our focus is purely on what makes sense for your life.

I already have KiwiSaver. Why do I need advice on it?

Many Kiwis are in default or mismatched funds that don't align with their investment timeline or risk profile. Getting simple, practical guidance ensures your savings are structured correctly so you are on the front-foot for your first home deposit or long-term retirement.

How do you choose which insurance or KiwiSaver providers to recommend?

We analyze the whole New Zealand market. We compare policy wordings, premiums, financial strength ratings, and most importantly, the provider’s actual history and speed in paying out claims. We only recommend providers we trust to show up for you when it matters.

What happens if I actually need to make an insurance claim?

This is where we do our most important work. You won’t have to wait on hold with offshore call centres. You contact us directly, and we handle the paperwork, communicate with the insurer, and manage the entire claim end-to-end so you can focus on what matters most.

Can you coordinate my cover with my mortgage setup?

Yes, absolutely. We work closely with the team at Your Mortgage (and any other mortgage brokers you work with) to align your Mortgage & Income Protection directly to your home loan repayments and interest terms. This keeps your cover cost-efficient and protects your biggest asset.