Pearce Financial Services is a small, highly specialised team working with successful people to help them make smart decisions about their insurances.
INSURANCE TAILOR MADE FOR SUCCESSFUL PEOPLE
Pearce Financial Services Limited are a Financial Advice Provider: FSP63441
Brett Pearce is your Financial Adviser: FSP93342
ABOUT
Our business is personal.
We’ve always found big financial corporations a bit, well… ‘big’ when it comes to giving truly personalised financial advice. And although we’re relatively small by comparison, we’re highly specialised, offering a dedicated level of personal service that’s quite unusual in our sector.
I’ve worked in the insurance industry for most of my life, following in the footsteps of my father, uncle and grandfather. I’m also very proud to now have my daughter working with me– representing the fourth generation of our insurance family.
Our clients are everything to us. And just as each is a unique human being with their own hopes, dreams, circumstances and goals – so is our approach.
We’re very proud to have the successful clients that we have. We value good old fashioned personal service (not to mention decades of friendships) and we check in with our clients and their families each year to see what has changed in their life – good, bad or ugly. We often have clients mention that they appreciate us staying in touch.
And if you ever need to claim – just know we’re on your side and will work with your insurer to get things sorted as soon as possible for you.
Integrity
We always do what is best for you.
Passion
We believe in what we do,
what we sell, and why we do it.
Caring
Whether it’s a change in your life, a claim, or policy advice – we’re on your side.
BRETT PEARCE
Director/Financial Advisor
Insurance is in my DNA. That’s because I’m following in the footsteps of my uncle, father and grandfather!
I have worked hard for my clients over the many years I have been in the industry, and actually still have most of them, something that I am extremely proud of. Plenty of time in the seat means that I know insurance, stay on top of the changing industry regulations and work closely with insurers to learn about their products and develop great relationships with their senior underwriters.
After many years in the business, what continues to excite me is the opportunity to create insurance solutions for my clients that fit like a well-tailored suit. Our clients are some of the most interesting people I know, so catching up regularly with them is always a pleasure, but it also allows insight into how their lives have changed. Life is full of highs, lows and bumps in the road and I really enjoy helping my clients ensure their insurance requirements are fit for their moment in life's journey.
“Many thanks for all your advice over the years on our personal insurances. I have really appreciated the open and honest conversations, and the way you have sort to understand our personal situation before recommending solutions.”
— John Dakin
When I am not working, family and keeping fit are my priority. I have enjoyed boxing for ten plus years now at the Wreck Room.
In the weekends, you will often find me hovering around anything with an engine, I am unashamedly a self-proclaimed petrol head and enjoy maintaining my small car collection, riding my Harley or racing my 68 Monaro in the historic muscle car series.
Enough about me, I also would like to make mention of our team. While I may be the familiar face you deal with, there is a whole team supporting me, and they are just awesome! They keep the wheels turning and are just as passionate about providing exceptional service and long lasting insurance solutions.
OUR PROCESS
SERVICES
Protecting You
Life cover
Life cover isn’t so much about money – it’s about protecting the life you worked so hard to create. In a nutshell, it makes sure your loved ones are protected, big debts such as mortgages can be paid off, and a decent income can be provided for your family in future if you die.
Protecting You
Trauma cover
Trauma Cover pays out a lump sum to help you get through around 50 different serious illnesses or injuries (such as cancer, heart attack or stroke). Some clients chose to reduce debt or take time off work, while others may use it to fund medical treatment and to afford non pharmac approved drugs for cancer treatments, for example.
Protecting You
Total and permanent disablement cover
This is good cover if an accident or illness means you’re unable to ever work again. It pays a tax-free lump sum that could help repay debts, allowing for modifications to be made to your home, or cover expensive ongoing care or medical treatments.
Protecting Your Income
Income protection
Most of us take the ability to earn an income for granted. Yet it’s one of life’s greatest assets. Income Protection can provide you with a regular income, in the event that an illness or injury stops you from working in your usual occupation, until you can return to work.
Protecting Your Home
Mortgage protection
Buying a home is one of the most exciting things you can do (expensive, maybe, but still exciting!) So, the last thing you want to see is your home slip out of your hands if for some reason you can’t meet your loan repayments. We’ve got access to great products that can cover your mortgage payments if you are unwell and unable to work (and avoid saddling your family with a massive debt if you die!)
Protecting Your Body
Medical insurance
For most of us, waiting months for life-or-death treatments (or medication) in the public system is a stressful thought. These kinds of policies can cover major events like surgery, cancer treatments, Private hospital stays, and specialists – but also everyday things like GP visits, scripts, dental and optical. Health is the new wealth as they say; so make sure yours is covered.
Protecting Your Business
Key person risk
Lots of our clients run their own businesses, and many have people that they simply couldn’t do without. Key Person Insurance protects your business if you were to lose such a person (particularly to illness or injury) so there’s less of a shock to revenue, expenses, relationships and contracts.
Protecting Your Shareholders
Shareholder insurance
Whatever size or type of business you have – if you have shareholders, you should consider a buy/sell insurance program an absolute necessity. It can save a lot of heartache and stress if one of the shareholders suffers from a major health problem or even dies. Essentially, it:
Puts an agreed price or valuation formula to cover each person’s share in the business.
Means the disabled/deceased shareholder agrees to sell their share in the business.
Allows any remaining active shareholders to agree to buy that share first
Let’s all parties agree how to use the proceeds from the insurance policy to fund the transaction.
Protecting Medical Specialists
Medical professionals insurance
We’re known in the industry for our expertise when it comes to insuring medical professionals. Over the past 15 years, we’ve earned that reputation by staying up to date with product innovations and having deep knowledge around how income streams are structured with both public and private sectors. For you, this means specialist advice and often unique (and very cost-effective) premium structures.
What our clients in the medical profession have to say:
“
Brett has been helping us with insurance for the best part of a decade. He is personable, thorough and very experienced. An experience of supporting people in medical professions was important to me and Brett certainly has helped many medical clients over time with a good understanding of needs and ability to give advice and contingency plan as a result. His product knowledge is fantastic, his customer service very accessible and he is backed up by a great administrative team. I would recommend him to colleagues without hesitation.
– Dr Magdalena Biggar
Breast & Endocrine Surgeon
“
Brett has been our insurance adviser for the last 20 years. He is hard-working, punctual, extremely trustworthy and a really nice person.
I have referred many other clients to Brett and have had great feedback from them regarding Brett and the services he provides. I highly recommend Brett and his team.
– Dr John M Chaplin
Head & Neck Surgeon
“
I have been a client of Brett’s for more than 10 years and have taken his advice regarding my income and other personal insurances over this time. He explains the products, jargon and variable types of cover and provides expert guidance on what is best for my needs. As these can, and do change over time, Brett keeps up regular yearly contact to ensure my cover remains appropriate for life stage. He has a personable business manner and takes a genuine interest in his clients. I have no hesitation in recommending him.
– Dr Katherine O’Connor
Radiologist
“
I know that in the event of a personal health issue my family (and my) business would be in an excellent recovery position with the right insurance to protect us. Brett regularly reviews my cover and I have recommended him to colleagues and friends.
– Dr Michael Boland
Hand, Wrist and Elbow Surgeon
Meet the Team
Luke Brimblecombe
Practice Manager
I aim to bring empathy and knowledge to every interaction with our clients.
After a few years of working for a general insurance company, I found my true calling in personal insurance while I was a customer service consultant for AMP. Brett asked me to come work for him after noting my strong communication skills when it came to looking after life insurance customers.
Most of my time outside of work goes into creative projects, whether it’s music, gaming and online content creation, or creative writing—but I do like to balance it all out with plenty of walking down at the local nature reserve and regular sessions at the gym.
Alongside the office admin tasks, I’m also passionate about my role as compliance officer, and keen to make sure that we not only comply with industry regulations as a business, but always do right by the customer.
Jan-Louise Banga
Client Relationship Manager
I am passionate about quality customer service and enjoy client interactions. It’s much more than a service – we are there for others and that’s a privilege.
Having lived in rural India for the past 2.5 years with my husband we are happy to be home in Aoteroa and looking forward to our future here and all the blessings that come for us.
My father underwent triple heart bypass surgery and through this journey, it hit home just how valuable personal risk insurance is. Being in this industry has helped me to understand the process and procedures of what he was going through and the importance of being proactive and aware of having plans in place to secure our future and that of our families.
My time in roles previously with Air New Zealand and Lotto New Zealand saw me develop a true sense of how service to customers should be and I am grateful to be able to continue that journey here within the close-knit Pearce Financial Team.
I look forward to meeting you and taking care of your requirements.
Laurie Ujfalussy
Administrator
I love creating functional, organised spaces that make life a little bit easier for everyone.
I am Brett’s fiancé and joined the business last year to help with the transition from paper to digital files. After completing that process, plus organising the office, I now assist in administration tasks and help out where ever I am needed.
I am originally from Canada and emigrated to New Zealand in 2008. I had a 30 year career in dental hygiene but during the process of building our home, I started a new path in interior design. I now have my own interior design business which also incorporates home organisation.
I have 2 boys, Cameron is 20 & Curtis is 17 plus a large extended Pearce family.
I love healthy eating, working out and walks on the beach. Brett & I love to travel and have new experiences together.
AMANDA PALAITA
Accounts Administrator
My focus is on the detail, to make our processes simpler and smarter.
As an accounts administrator, it’s my job to make sure I look after the detail, make our processes simpler and smarter, and make sure the I’s are dotted and the T’s are crossed!
I have one boy (12 going on 20!) and I love the outdoors in summer (not so much in Winter though!) I do love travelling when I can, although the past year has been pretty tricky for that. I love to eat but always feel like I’m forever on a diet.
I love my home comforts, and that’s why I also know the value of good insurance; I’ve worked hard for what I’ve got and the peace of mind it gives me is worth every dollar.
AMANDA wINSTONE
Marketing Administrator
It’s an industry my family is passionate about.
As my Dad keeps reminding me – insurance is in my blood! It’s is an industry my family has felt passionate about for generations.
I have an incredibly supportive husband and two gorgeous young children. We’re currently renovating our home (with a baby and toddler beside us at the same time, wish us luck!)
I love being creative whether it be creating photo albums of the kids, baking overly ambitious birthday cakes or creating forts for the kids that encompasses every piece of furniture in our lounge.
I’m also interested in learning more about mindfulness, and love to be able to see the ocean, I believe it is good for the soul.
TESTIMONIALS
What happens at claim time?
This is where having a specialist broker to be your advocate is so important. We’re totally committed to you at claim time, and will organise, guide and help you through the claim – including paperwork, forms and liaison with the insurance company. We’ll also stay in touch with you at each stage. We only work with insurance companies that we know are willing to pay claims for clients. For the team at Pearce Financial Services there is nothing more rewarding than being able to help our clients in their time of need. It’s what we’re here for and it makes us proud to be part of the insurance industry.
Fidelity Customer Insights Summary
Pearce Financial Services recently received their Fidelity Customer Insight scores for 2021. The Fidelity Customer Insight survey interviews the advisers clients at random, the results provide the advisers net promoter score.
Of Brett’s new customers, 100% (vs 86% average) would highly recommend Brett and 100% (vs 87% average) understand their policy and believe it suits their needs.
Positive Claim Stories from our clients
“
Brett has been my life insurance broker for some 20 years; and his advice has become increasingly important over the years – especially in recent years when I completed my tenure as an owner of an engineering and surveying consultancy. Recently I had a cancer health scare that required major surgery and Brett’s advice and skills came to the fore as the Trauma insurance I held became very important. Brett is a smart thinker and skilled at achieving the best outcomes for his clients. I unreservedly recommend him to you.
– Tim James
“
Income Protection Insurance, has allowed for my family to continue to meet our commitments without financial hardship that others can suffer with no insurance cover. With the COVID-19 Pandemic sweeping across the world in 2020, I was grateful that our insurance company did not falter with their obligations. Brett had made sure I had disability insurance in place, and you presume this would never be activated. But his wisdom meant years later I would actually receive financial help. My condition has expensive yearly medical bills and I can continue to have private medical cover due to Brett’s foresight. The unexpected could happen to you, so plan for the possibility, not never.
– Andrew Squire
“
Brett, thank you to you and your team for your assistance with my claim. The timing of our meeting was fortuitous and you and your team’s help in navigating the claims process made the experience much easier. The successful claim helped to give a silver lining to a difficult episode. With much appreciation and regards.
– Susan Wilson
What our clients have to say about our advice and service
“
Brett has been very proactive in understanding, analysing and then making recommendations as to the best course and structure in respect to my own personal financial affairs, plus the insurance requirements for the companies I am involved with.
– Roger Kerr
Executive Chairman, Barrington Treasury Services NZ Limited
“
Brett has been our insurance broker for more than 10 years. He is very proactive and his knowledge of the products ensures you have the right polices in place that are specifically tailored to your needs. We meet and review our policies with him on an annual basis to ensure they are appropriate.
At claims time Brett and his team handle the whole process for you. My husband recently had to make a claim under his trauma insurance policy. Brett and his team were excellent and dealt with all the correspondence with the insurance company. This resulted in the insurance company paying the claim very quickly after the event which was appreciated.
Brett’s experience, professionalism and integrity has also resulted in him being a preferred partner for insurance services to my clients. He understands business and the risks and needs of business owners. He is able to assess and make recommendations for shareholders, key man and other insurances for all entities of all different sizes.
I highly recommend him.
– Vanessa Williams
Director, Alliott Accounting Firm
“
I first met Brett 20 years ago. He has always given me sound advice and is a man who walks the talk, basically he does what he says he will do. I have recommended Brett to several people, with only positive feedback and will continue to do so in the future.
– Adrian Barkla
Owner/Operator, New World
SUCCESSFUL CLAIM STORIES
The best investment is the one that pays the most when you need it.
Gender
Male
Occupation
Company Director
Industry
IT
Diagnosis
Chronic Crohns Disease with Associated Depression
Benefit Period
01/11/2009 – Current Date
Benefit
Income Insurance
Provider
AMP
Gender
Male
Occupation
Professional
Race Car Driver
Age
34
Cause of Claim
Stomach Cancer
Benefit
Life Insurance
Provider
AMP/ October 2011
Gender
Male
Occupation
Salesman
Industry
Motor Vehicle
Diagnosis
Bipolar Disorder
Benefit Period
07/08/2006 – Current Date
Benefit
Income Insurance
Provider
AMP
Gender
Male
Occupation
Company Director
Age
42
Cause of Claim
Rheumatoid Arthritis &
Forestiers Disease
Benefit
Permanent Disability
Provider
AMP/ July 2012
Gender
Male
Occupation
Company Director
Industry
Composite Benchtops
Diagnosis
Rheumatoid Arthritis
Benefit Period
04/03/2009 – Current Date
Benefit
Income Insurance
Provider
AMP
Gender
Male
Occupation
Supermarket
Owner/Operator
Age
50
Cause of Claim
Major Stroke
Benefit
Trauma
Provider
Asteron / November 2020
Gender
Female
Occupation
Solicitor
Age
53
Cause of Claim
Lung Cancer
Benefit
Trauma
Provider
AMP / August 2020
Gender
Male
Occupation
Director
Age
60
Cause of Claim
Prostate Cancer
Benefit
Trauma
Provider
Fidelity / July 2020
Gender
Male
Occupation
Company Director
Age
34
Cause of Claim
Melanoma
Benefit
Trauma
Provider
Asteron / September 2019
COMMUNITY
We love being a part of the community we work in and support various charities as a result – often with smaller amounts to a wide number of Charities rather than just supporting one or two. We’re also very proud to support Smith Racing and Alexis Pritchard, an elite athlete in women’s boxing.
Alexis Pritchard
Boxer
Brett and team at Pearce Financial Services have proudly supported elite athlete Alexis Pritchard on her boxing journey since the beginning – from 2006 to 2018. Alexis is an 11-time women’s boxing national champion with 16 years of experience in the ring. While competing at the highest level for her club and Country, Alexis completed 2 university degrees and worked as a physiotherapist throughout her boxing journey. Alexis is now a Mental skills and Performance Coach - www.rebuildwithlex.co.nz.
In 2012, for the first time in the 116-year history of the modern Olympic Games, women’s boxing was included in the London programme. Alexis went to the Olympics and fought well in her lightweight division (56-60kg), winning her first fight and coming 5th overall. A competitor at the 2014 and 2018 Commonwealth Games (where she won Bronze), Alexis has had 143 fights over her career.
“Brett stuck with me through the highs and the lows over the years. It meant the world to me; his sponsorship was, and still is, a very precious gift. It was more than the financial help, it meant someone other than my mum and coach believed in me, and wanted to help make one of my dreams come true out of the goodness of his heart. That is the type of human he is. His contribution to my life has been significant and will never be forgotten. He is more than a someone who sponsored me, he is a wonderful friend.” – Alexis Pritchard
Smith Racing
Sprint Car Team
For those who don't know – Brett is a passionate petrol head! So we’re proud to sponsor the Smith Racing sprint car team, a small family team with a strong affinity for speedway. Throughout the generations, this family has never had latest equipment, the massive sponsorship deals, or the funded rides, but no one can take away their passion for speedway. We love the family dedication and the grind it takes to put everything together to turn up and compete with the best. We sponsor them, because like us, they are passionate about what they do. Steve Smith drives the car and is a client of ours. Steve and his partner, Alyssa have four children who attend every meeting. Steve knows protecting his life while racing is important for his family.
Brett not only sponsors a race car, he also enjoys putting the pedal to the metal with his ’68 Monaro HK GTS race car.
Important information about our business FPS93342
Pearce Financial Services has a full Class 2 Financial Advice provider license issued by the FMA. License number: NTF220413686. All advisers hold a Level 5 certificate in Financial Services.
Our services
Life Insurance
Trauma Cover
Total & Permanent Disablement Cover
Income Protection Insurance
Medical Insurance
Mortgage Protection
Key Person Risk
Shareholder Insurance
Insurance for Medical Professionals
Products we can advise on
Personal & group insurance (life cover, disability, income protection and trauma)
Life investment products including whole of life and endowment
Product providers we may recommend
What’s my promise to you that the law says I need to uphold?
I’m bound by the Financial Markets Conduct Act to:
Meet the standards of competence, knowledge and skill set out in the Code of Conduct
Give priority to the clients’ interest
Exercise care, diligence and skill
Meet the standards of ethical behaviour, conduct, and client care set out in the Code of Conduct.
And of course, I’d be happy to send you the details about Pearce Financial Services obligations if you ask, free of charge.
Privacy Policy
Naturally, you’ll want to trust us with your personal information, so we take your privacy and security very seriously. We’ll only ask you for the information we need to provide financial advice to help you protect you and your family’s wealth. Don’t forget, you can request access to your personal information at any time by getting in touch. All information collected will be subject to our privacy policy that is in line with requirements of the Privacy Act 2020.
Our Fees
We don’t charge fees directly to our clients. Instead, we are remunerated directly by the insurance provider with:
An initial commission – a percentage of the value of your insurance premiums (when a policy is accepted). These could range from 0-240%.
An ongoing commission – a percentage of the value of your premiums, paid annually and usually calculated on the renewal of insurance products. These could range from 0-20%.
Conflicts of interest or other incentives
Based on all the information you give us at the time, we’ll make sure we find the most suitable insurance option for you.
That's why we have our Six Step Financial Advice Process in place – to choose the provider that’s best for you, using an independent product research tool called Strategy Life. This allows us to compare the wordings, terms and conditions of the products that we’re offering to make sure you have access to top-quality insurance products, which in turn will give you consistent results come claim time.
We will only be remunerated if you choose a product or service that we recommend and when it is accepted by the insurer.
Complaints Process
Happy clients are the lifeblood of our business. So, if you have a problem, concern or complaint about any part of our advice or services, please let us know and we’ll help fix the problem right away. Luke Brimblecombe is our dedicated complaints officer, and you can contact him directly at luke@bpfs.co.nz or on (09) 529 1912 and he’ll get back to you within 24 hours.
We will make enquiries and investigate your complaint. We will keep you updated throughout the process and we will work hard to find a resolution that you are satisfied with.
If we’re unable to reach a resolution you’re happy with, you can refer your complaint to the Insurance & Financial Services Ombudsman (IFSO). This is our external disputes resolution scheme. This service is at no cost to you and will assist with resolving your complaint. Their contact details are as follows:
Address:
PO Box 10-845
Wellington 6143
Phone Number:
0800 888 202
Email Address:
info@ifso.nz
We are proud members of Financial Advice New Zealand.
A professional membership organization for advisers working across all areas of financial advice, including mortgages, insurance and financial planning. They represent the interests of the public and its members, and strive to help New Zealanders, and the country as a whole, be financially better off.
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