Life, income, health, KiwiSaver and home loans, with one independent adviser who sees your whole picture. Answer five quick questions and get a plan outline in under a minute, before you share anything you would rather not.
Prefer to talk first? Call 0800 67 55 55 or email us.
When life goes sideways, the right cover set up properly is what actually pays out. That is the whole point of good advice.
Based on insurance claims settled for Mutual Solutions clients from insurer payment confirmations on file, 2011 to 2026. Individual circumstances differ and this is not a guarantee of any future claim.
Most people never open their policy documents again after signing. Send us what you have and we will tell you, in writing, what is missing, what is overpriced, and what is working well. No pressure to change a thing.
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About Mutual Solutions
Mutual Solutions Limited is a registered Financial Advice Provider (FSP 729871) serving families and business owners across New Zealand, with strong roots in Palmerston North and the lower North Island. We've been providing independent financial and insurance advice for over 10 years. Our sole focus is on what's best for you.
We're not owned by or tied to any bank or insurer. That means every recommendation we make is based on your goals, your budget, and your life, not our margins. Whether you need life insurance, income protection, health cover, KiwiSaver advice, or a home loan, we compare the whole market to find the right fit.
See how we work →01
If you were gone tomorrow, would your family be okay financially? Life cover ensures your loved ones can maintain their lifestyle, clear debt, and plan ahead, without financial stress on top of grief.
02
Your income is your most valuable asset. If illness or injury stops you working, income protection replaces up to 75% of your earnings, so your mortgage, bills, and lifestyle are covered.
03
Skip the public waiting list. Private health cover gives you fast access to specialists and elective procedures, and the freedom to choose your own surgeon and hospital.
04
A lump-sum payout on diagnosis of cancer, heart attack, stroke, or other serious conditions, giving you financial freedom to focus entirely on your treatment and recovery.
05
Total and permanent disability cover pays a lump-sum benefit if you're permanently unable to work, helping fund ongoing care costs, debt clearance, and home modifications.
06
Tired of premiums rising every year? Level premium policies lock in your rate, making cover more predictable and often much cheaper over the long term.
07
First home buyer or refinancing? We navigate the mortgage market across multiple lenders to find you the structure and rate that actually fits your situation, with no bank bias.
08
Most Kiwis are in the wrong KiwiSaver fund. We review your current fund, model your retirement outlook, and move you to a fund matched to your goals and risk appetite.
09
Growing your wealth takes more than just saving. It takes a plan. We assess your goals, time horizon, and risk profile to recommend an investment strategy that works for you, whether you're just starting out or looking to grow an existing portfolio.
Why Mutual Solutions
We're not owned by or aligned with any insurer, which means every recommendation is built entirely around what's best for you. No quotas. No conflicts. Just honest advice.
We compare products across the market's leading insurers and lenders to find the right fit, not just the one that pays us most.
When you need to claim, we stand beside you. We manage the process and advocate on your behalf to ensure your entitlement is paid fully and promptly.
Your life changes, and your cover should too. We review every client's policies annually to make sure nothing has been outgrown or left behind.
Insurance, KiwiSaver, home loans, investments. You get one trusted adviser who understands your whole financial picture, not a different specialist every time.
Your Adviser
Financial Adviser · FSP 250405
I grew up understanding the importance of protecting what you've worked hard to build. Over the past 10+ years, I've helped hundreds of families across Palmerston North, the lower North Island, and nationwide get the right cover at the right price, not just the easiest sale.
As an independent adviser, I'm not employed by any insurer or bank. That means when I recommend a policy, it's because it's the right fit for you. I compare products across the whole market and negotiate on your behalf.
Whether you're starting your insurance journey, growing your family, buying your first home, or planning for retirement, I'm here for the long term, not just the paperwork.
How It Works
A relaxed 30-minute conversation about your life, goals, and any existing cover. No forms, no pressure, no jargon.
We map exactly where you're exposed: income gaps, debt, dependants, and health, and identify what cover would actually make a difference.
You receive a clear, plain-English strategy document: what we recommend, why, and what it costs, from multiple providers compared side by side.
We check in every year. Life evolves and cover should too. We're here for the long term, not just the sale.
"We had requested a rationalisation of our insurance policies due to a change in circumstances. We were rather apprehensive but Upmeet was very reassuring — thorough, sound advice, and connected with our insurers directly."
"As an adviser, Upmeet is excellent — he explains concepts clearly and demonstrates a deep understanding of the insurance landscape. We look forward to working with him in the future."
"There were administrative issues with my major medical claim, and Upmeet helped me tremendously to resolve them — even while he was at a conference overseas. That meant a lot to me at a difficult time."
"Top bloke — excellent communication and easy to deal with. Highly recommend."
"Upmeet has been our adviser for a few years now and recently guided us through making a claim. His service has been professional and attentive, even when he's been overseas on business. We wholeheartedly recommend him to anyone looking for financial advice."
"Fantastic communication and service throughout the process. Everything was handled smoothly, and I'm very pleased with the outcome."
"Absolutely outstanding service! Upmeet went above and beyond to help us with the process of buying our first home. Highly recommend Mutual Solutions to anyone looking for a knowledgeable and caring adviser."
"Highly recommend Upmeet — he likes to meet regularly and check in, which is a bonus. He picked up on a claim we would have overlooked and missed if it wasn't for him checking in. Outstanding service."
"I have found working with Upmeet seamless. We've had conversations about what our needs are as a family, and he put packages together that met all of those needs. I would absolutely recommend him."
"Upmeet is professional, really supportive and awesome to work with. He understood what we wanted and went above and beyond to find the best solution for our family. Couldn't be happier."
"We were recommended to use Mutual Solutions from family who were already using their services. Upmeet has been exceptional — knowledgeable, thorough, and always available when we have questions."
"I found working with Upmeet at Mutual Solutions to be a pleasant and professional experience. He demonstrated great knowledge and made sure I understood everything clearly before making any decisions."
"Excellent to deal with, great communication and explained everything in an easy way. Thanks for the help."
"Upmeet was a pleasure to work with. He is both personable and professional, takes all aspects into account and ensures the best solution to suit your needs whilst keeping you informed at every step. Anyone looking for financial or insurance advice — I would recommend Upmeet 100%!"
"If I have to describe the service in one word — AMAZING! Upmeet made our first home buying journey smooth and stress-free. He was always available to answer our questions and guided us every step of the way."
"Upmeet is great to deal with — honest, patient and very informative. Takes the time to explain things. Also very efficient. Thanks again Upmeet!"
"Upmeet was approachable, knowledgeable and confident in giving us advice. He listened to our needs and formulated options to best assist us. He followed through on what he said he would do — I would recommend him to anyone."
"Upmeet was very helpful when I wanted to change my life insurance. We caught up, had a good talk and worked out what I really needed — not an overkill. He listened to what I had to say. Highly recommend."
"Upmeet made setting up our policies a breeze. Very professional, friendly and welcoming — he made what would seem a daunting task a simple and enjoyable experience. Would highly recommend!"
"My insurance and investments required review and Upmeet was incredibly helpful with advice and efficient follow-through to completion. Very approachable and helpful. Highly recommend."
"Great, friendly, helpful and knowledgeable. Very easy to deal with. Nothing was ever an issue."
"Upmeet has been extremely helpful in providing a service that is custom to our lifestyle and needs. He is very professional in what he does and also very friendly and easy to talk to. Highly recommend."
"Upmeet gives a great service — he is friendly and explains everything in a way that's easy to understand. We would happily recommend Upmeet and Mutual Solutions Limited."
"Upmeet has been fantastic to deal with and helped us get much better coverage on our insurance. He is very friendly and approachable, explains things clearly, and made the whole process very easy."
"Upmeet was very friendly, knowledgeable and approachable. We had no idea about what insurance we should go for but he gave us a great understanding and made our decision easy. Would definitely recommend."
We work with leading providers
Service Area
We work with clients nationwide, in person where practical and remotely by video or phone wherever you are in New Zealand.
Can't see your town? Get in touch. We can advise clients anywhere in New Zealand by phone or video.
No Obligation · Always Free
Book a free 30-minute consultation with an independent adviser. No pressure, no jargon. Just straight answers, whether you meet us in person, by phone, or by video.
Or email us at info@mutuals.co.nz · Level 2, 26 Broadway Ave, Palmerston North
Honest answers about insurance, KiwiSaver, home loans, and how we work, all in one place.
Are you in the right fund? Learn how the right KiwiSaver strategy could add hundreds of thousands to your retirement.
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