R. GARY SKEATES - LIFE-TIME Financial Group Limited

LIFE-TIME Financial Group - the name clients trust and recommend.

We provide sound and easy-to-understand advice that will guide you through the maze of financial products. Now a KiwiSaver Accredited Adviser.

We make your investment and insurance review hassle free and we do all the paperwork.

We read the fine print so that we can tell you things about investments and insurance you didn't know!

We strive to dramatically improve your insurance benefits and definitions, while attempting to reduce both your current and future premiums.

We provide qualified advice and friendly service based on

• three sources of purchased independent research
• our true and total independence from any financial institution
• more than 100 years combined experience.

As principal and founder of the LIFE-TIME Financial Group, I have over 40 years experience in the financial servcies industry. A highly successful and qualified Financial Adviser in my own right, I have operated financial advisory practices in Canada and New Zealand. I'm proud of consistently remaining within the top 1% of Advisers worldwide, as confirmed by 27 years of qualifying for the prestigious National Quality Award. Most recently I have completed the NZQA approved KiwiSaver Accreditation Programme to become a KiwiSaver Accredited Adviser.

LIFE-TIME advisers belong to one or more professional associations ensuring you receive competent, ethical and qualified advice.

Whilst LIFE-TIME Financial Group takes great pride in providing researched advice and a comprehensive range of financial services (see below), it's the personal touches and additional services such as online newsletters with hints and tips to make the most of your money, that add extra value for our clients.

Cash management

• short term savings at higher than bank returns

• budgeting assistance

Investment Advice + unbiased recommendations based on independent research and over 39 years experience to enable you to make a sound financial decision

Retirement Planning + determining the amount you need to save to reach your retirement goal + assistance in selecting the most prudent savings options + annuities: a guaranteed income from your investments

Financial Planning + ensuring you reach your financial goals on or ahead of time

Portfolio Monitoring + frequent yet simple one page financial health check-up

Personal and Business Insurances

Personal Insurance - multi-company quotes + Disability Income Protection + Trauma Insurance + Life Insurance + Mortgage Repayment Insurance + Medical Insurance

Business Assurance - multi-company quotes + Buy-Sell & Key Person Funding + Partnership & shareholder protection + Income Continuance + Business Expense Cover + Business succession planning

Mortgage Assistance + Financing or re-financing and Mortgage Repayment Insurance

Estate Planning + Wills and Family Trusts + Tax minimisation + Charitable Gifting

Family Funding + Saving for your children's or grandchildren's future education, 21st, marriage or home purchase assistance, etc

Call us now for an obligation-free discussion. Learn the benefits available to you and why clients trust and recommend us to others.