Protect what's Important
Enjoy life today and know tomorrow is protected with an insurance plan from Cheltenham Financial Services
Protect what's Important
Enjoy life today and know tomorrow is protected with an insurance plan from Cheltenham Financial Services
When you’re fully focused on creating a better future for you and your family, life’s challenges can seem like they’re a galaxy away.
However, while no-one wants to think about it, protecting yourself, your family and your assets from whatever may be around the corner is just as important as striving for your goals.
Steve Newenham, the principal adviser at Cheltenham Financial Services, is focused on ensuring that his customers have the confidence that what matters most is protected. It’s about knowing that your family are going to be able to live the lifestyle of your dreams, no matter what.
So, what needs protecting?
Income
Your ability to generate an income is your most valuable asset. It’s the force that drives your family forward - paying your bills, funding your assets and helping you achieve your goals. A lost income can be hugely detrimental to the ones you love - protect it today.
Debt
If you’re a home owner, the chances are you’ve got a mortgage. Does your family have the means to service your debt if you’re not there or critically ill? Make sure your work to get where you are isn’t undone by an event out of your control.
Health
A healthy mind and body is crucial to healthy finances. Protecting your health is an important step to ensuring you and your family’s ongoing prosperity - and only so much of it can be done with good eating and a gym programme! Make sure you’re covered for the unexpected - so you can get back to life faster.
Our Products
Cheltenham Financial Services provides advice on the following products from a wide range of providers.
Our Products
Cheltenham Financial Services provides advice on the following products from a wide range of providers.
In order to help our clients achieve their financial objectives, we offer a wide range of products from ten different providers. This ensures we’re always able to recommend the most suitable product for our client, and provide the best value and quality.
Click the products below to read more about how they work:
+ Life insurance
Life insurance protects you, your family and your assets from the big one - an unexpected death or terminal illness.
It’ll provide your estate with a lump sum on death, or if you’re diagnosed with a terminal illness and less than 12 months to live. This can be used to clear existing financial obligations, and provide financial security for the ones you love - including funding education, providing income and enabling a secure retirement.
Talk to us today about ensuring that your life insurance will work for your family when they need it most.
+ Trauma insurance
A critical illness can have as much of an impact on your financial security as dying unexpectedly, yet far less people insure themselves for the impacts of such an event.
Trauma insurance pays you a lump sum in the event of you being diagnosed with an illness covered on your policy. Depending on the severity and type of illness, this can be a full payment of your sum insured or a partial one.
This lump sum can be used to clear financial obligations, or provide a cash pool that you can use to take your recovery at a pace that works for you - without compromising your family’s financial security.
Trauma insurance can be complex - We will demystify it for you and give you the straight up and down answers about how it can work for you and your family.
+ Disability insurance
Losing your ability to earn can be almost as serious as losing your life. Surviving an accident or critical illness, but being unable to work, can mean that you and your family have to face a whole new set of financial challenges.
Disability insurance is also known as Total Permanent Disability (TPD) insurance. It provides you with a lump sum payment in the event that you’re unable to work again - either in your own occupation or any occupation, depending on your policy.
Find out about how you can structure disability insurance to meet your family’s financial needs and cover your risks.
+ Income protection
Your ability to earn an income is your biggest asset. Whether you’re an accountant, a lawyer, a big wave surfer or an astronaut, you’re still leveraging your ability to earn to help achieve you and your family’s objectives.
So what happens when you lose this income? Sure, sometimes it’ll be the result of an accident, so ACC will help a bit, but what if it’s six months off work due to an illness?
That’s where Income Protection comes in - it provides a regular payment should you be unable to work, so life can go on while you recover.
To find out more about how Income Protection can give your family financial security, contact us.
+ Health insurance
A major medical event can be a drain on your family’s resources. When you’re on a hospital waiting list, life can be a lot harder - not just for you, but for the ones you love too.
With medical insurance, any necessary treatment can be arranged privately, which means you’ll get high quality care when you need it.
If getting back on your feet quickly is a priority for you, call us today for a chat about how health insurance can work for you.
+ Investment, retirement planning and KiwiSaver
As well as helping you protect yourself and your family from risks around the corner, we can help you plan for the future and reach your goals.
We are able to give you advice on a wide range of investment, retirement planning and KiwiSaver solutions that can help you achieve your financial goals. We work with you to understand you and your family's unique needs, develop a plan that works for you and implement the plan in a way that ensures that your investment targets are being met.
Get in touch with Sus to discuss how we can help you with your investment, retirement planning and KiwiSaver needs.
Depending on your specific needs, we offer services from the following providers:
WE make it easy for you
We will help you make the complicated simple, while giving you confidence you're getting exactly what you need
WE make it easy for you
We will help you make the complicated simple, while giving you confidence you're getting exactly what you need
We pride ourself in helping our clients navigate the process of protecting themselves and their families with as little fuss as possible. We make a complicated exercise simple - while giving clients confidence that everything is taken care of to the highest standard.
When working with us, you’ll go through the following process:
Step two: Create your personal plan
Step one: Discuss your goals
We will then create your personal plan detailing how you can achieve your objectives and protect your family from any risks you’ve identified. Having over 30 years experience in tailoring these kinds of plans for our clients, you can be sure you’re in good hands.
With access to financial products from nine leading financial services companies, we will also be able to ensure that anything we recommend to you is the best fit for your needs in the market (as well as securing you a competitive price!).
The first place any planning process has to start is with a discussion about your objectives for yourself and your family.
We will meet you where and when it suits you and work through your objectives, and your existing plans for achieving them. Then, we review your existing financial situation with you so we can tailor recommendations exactly to your needs.
Step four: Keep on top of things
Step three: Get your plan implemented
One of our favourite things about being in financial advising is seeing our clients reach the objectives that were part of their original plan.
After your plan has been implemented, we will be in touch regularly, and you’ll have the option to review your progress once a year.
One of the most intimidating parts of any financial advice process is actually implementing it. Whether it’s sticking to a new budget, or putting in place new insurances, there’s always some discipline and paperwork required.
We make it easy for our clients by guiding them through the process, removing the jargon, and making sure that the back and forth between you and financial services companies is cut down to a minimum.
Get in touch today to book a catch up with us to talk about how he can help you and your family create a better future.
About us
About us
Steve Newenham
A financial adviser since 1982, Steve Newenham started Cheltenham Financial Services in 2000. His mission is to help his clients achieve financial freedom, and protect what matters most to them.
Steve has a Bachelor of Commerce in Accounting from the University of Auckland and a Postgraduate Diploma in Financial Planning from Massey University. In addition to his University education, he’s also a qualified financial adviser, which requires ongoing professional development, so you can be sure you’re getting advice grounded in experience and informed by current best practice.
Steve’s education and experience provide him with an ideal perspective from which to advise clients regarding personal planning and to protect their hard earned lifestyle and reach their future lifestyle objectives.
Away from work, Steve’s passionate about his sports, and keeps himself fit with gym workouts during the week and cycling on the weekends. You’ll also find him behind the wheel of his classic Datsun 260Z on the road or at the track.
Get in touch
Begin your journey to financial freedom with us, today.
Get in touch
Begin your journey to financial freedom with us, today.
If you would like to talk to us, you can ring us on 027 479 0320.