What’s Financial Advice? It’s what you need to hear
Debt – a weapon that’ll get you shot, or a tool to get what you want? It could build wealth, you and your family need – used well it can accomplish great things. Everyone has a different financial personality – they conceptualise debt uniquely and therefore need an individualised approach. We’ve observed that when people follow advice (usually from uncle Fred) that’s intended for a different financial personality from their own, they make dumb decisions with money. Was uncle Fred wrong? Nope – he just came from a different time when that stuff worked great for people like him. A good financial adviser can pick up on your financial personality, and speak the right words that you need to hear to make the right decisions that only you can make. Ungaro & Co are focused on helping its clients in the following areas:
Mortgage and property advice - not from your bank nor real estate agent.
Lending for property. Use a mortgage like a lever on your equity to multiply what you own, make your property better, or get better property.
Regular contributions in a diversified fund, assisted by the government and your employer.
Let’s talk retirement . . . Does your provider have any skin in the game? Did you choose your fund or did it choose you?
Are you waiting for your friends to get sick before you sort this out?
Insurance – or charity? Who’s responsible when you get sick? Now’s a good time to get life and health insurance – protect the source wealth, not just the fruit of it.
It’s the advice you’ve been missing all along - just what you needed to hear.
Putting it all together. Mortgages to get what you want and/or to build wealth. Kiwisaver because property isn’t the only way. Insurance to create financial offsets/keep it all together.
Our Core Values
In short, we really value your trust and we take the responsibility of handling it very seriously. When you trust someone you’re also hoping they have your back when you need them. Our goal is to be your adviser for life – in fact if you only want us for one transaction, we’re possibly not the ones to call.
Recently there’s been new legislation in NZ designed to protect the consumer – it’s invaluable and whilst we often groan about compliance, it forces a high level of professionalism in the financial services industry. Setting expectation, taking a ‘needs based’ approach, and regular reviews are a recipe for success.
Should we act in your best interests, or place your interests first? Doing the former and not the later often takes courage. If it’s clearly the right thing to do, what value would you place on an adviser not afraid to say something?
“What would you do?” We often get asked this and to be honest, if we haven’t already done it for our families, what authority do we have in suggesting others do it. This comes down to the providers we recommend, the strategies we’ve employed, and sometimes even the people we trust.
What some of our clients say
5/5 – Darcy and his team did an amazing job in getting us a great mortgage deal, an offer that was far better than anything we could have negotiated with the banks. They also put together a fantastic life insurance policy plan, and explained all the clauses etc clearly and thoroughly. They even made the process fun !!!! Thank you again .
Sarah Johnson & Robin Rawstorne
Darcy and his team are great! made the process of getting a new mortgage and insurance just a breeze giving tailored advice according to what we were looking for. We are looking forward to the next deal. Thanks Darcy!
L & V Fazio
Darcy, you’ve done it again!! 5/5 and you exceeded our expectations!! Your financial advice was spot on and your ability to clearly communicate economic theory was very reassuring. You made everything very easy and hassle free.
I would highly recommend Darcy & Co if you are thinking about buying a house an investment property or simply considering restructuring your current mortgage.
Chances are, at least one of those words will get you excited a little... For me it's all 4 I recently had a discussion on these 4, magical wealth-building ingredients, with fellow podcaster, Reece Reilly,