Naveed – Managing Director
Former Commercial Pilot and corporate warrior, Naveed Baloch entered the personal financial planning and advice industry in 2012 after a 10-year stint working in New Zealand’s corporate and government sector, in progressively senior roles.
Armed with a Masters in Management degree, and over 30 years of diverse work experience in several challenging industries and markets across the globe, Naveed was keen to introduce the rigors of professionalism, good governance, service delivery and exceptional customer focus to the financial advice industry.
He has been able to achieve this through the over 1,000 In-home Financial Consultations he and his team have carried out since 2012. Over 85 % of those visited have successfully started in the direction of their financial goals, via the step-by-step process developed and honed by Naveed and his team.
Naveed’s driving ambition is to make it easier for Kiwi families and individuals to access, understand, and utilize financial advice and planning services, to improve their financial well-being, and to be in a position of achieving financial freedom, at or prior to retirement.
Raelene Flay – In-Home Consultant
Born and bred in Tauranga with a background in sales and customer experience in a wide variety of businesses, including insurance, finance and property. In 2005 Raelene completed a Diploma in Accounting and started her own small Accountancy Practice from her home in Papamoa in 2003.
Raelene is committed to continuously providing a high-level of client services as a Professional Accountant to allow her clients to focus on managing their business affairs more effectively. She is excited to start helping families and individuals in the Bay of Plenty improve their financial well-being as an In-Home Consultant. Raelene believes this will give her the opportunity to assist people with their finances, budgets and help them plan for financial freedom and retirement. She looks forward to working closely with families and individuals over a period, to ensure they are on track for achieving their financial goals.
In her spare time, Raelene enjoys time at home with her animals and spending time with her daughter, along with a love of V8 cars. She enjoys regular exercise and healthy eating for a happy lifestyle – awareness of mindfulness and ongoing personal improvement in all areas of life.
Carmen – Marketing Manager
With a degree in finance and experience in the personal finance space, Carmen is in a strong position to educate, empower and motivate others to take control of their finances.
From investment to insurance, Carmen has a strong understanding of client needs and is focused on ensuring the right information is delivered to clients in the right format and in a timely manner.
In an ever evolving industry, Carmen loves new challenges and utilises the latest industry tools to get the job done.
Our Expert Partners
Martin Jago – Financial Adviser
Originally from the UK, Martin entered the world of Financial Planning and Investing at the age of 28. Since then, Martin has introduced hundreds of clients to the world of portfolios, pensions and now KiwiSaver.
Martin founded Fusion Investing, a boutique Financial Planning company where the philosophy is one of embracing all the expertise in the industry, rather than trying to select “the best”. Martin also developed the Multi-Manager Strategy where all New Zealand’s top fund managers are used simultaneously to create reliable outcomes – the strategy he still uses to create portfolios and retirement savings for clients. In addition to this unique investment style, Martin has developed a simple and cost-effective financial planning service where anyone can obtain effective financial life skills to ensure they know how to achieve their goals.
Miles – Financial Adviser
Miles has been in the financial advice industry since the 1980’s. He’s experienced three financial crashes and understands the need for patience and a balanced and unbiased view to assist clients to not become too anxious or panic and sell assets at the wrong time.
As one of only 20 people in New Zealand with both CLU (Chartered Life Underwriter) and CFP (Certified Financial Planner) qualifications, and an MBA from Auckland, Miles has the educational foundation and knowledge to offer quality advice. Prior to entering the financial advice industry, Miles trained and worked as a teacher and sees one of his primary roles is to help educate clients on how to structure their finances and manage their money.
Daniel Carney – Financial Adviser
Daniel has vast experience in investment, lending, and insurance and is a fully accredited Authorised Financial Adviser. Daniel’s career experience includes owning a rental property agency in London and five years as a Business Development Manager for Euromoney Institutional Investor both in London, UK and Boston, Massachusetts.
Daniel joined his family business in 2009 and has gained valuable knowledge from the 20 plus years of his financial mentor’s role in changing hundreds of Kiwi families financial lives for the better. As his long-standing clients move into a position of financial independence, Daniel continues to work tirelessly to assist Kiwi families into this position of financial control and literacy.
David – Financial Adviser
With an MBA from Waikato University and a Graduate Diploma in Business Studies (Financial Planning) David has worked in the financial advisory sector in New Zealand for the last 15 years both as an adviser and as a consultant to advisory firms. Prior to that David worked in a variety of consulting and project management roles in financial services companies around the world, including 5 years as Consulting Director at PriceWaterhouseCoopers.
Specialising in investment planning, David’s specific interests include impact investing (making money by making a difference) and a relatively new concept known as finology – the study of behavioural finance and how behaviour affects financial outcomes.