Independent insurance & financial advice for Kiwi families across New Zealand. Life, income, health, KiwiSaver, and home loans — all under one roof. Based in Palmerston North.
About Mutual Solutions
Mutual Solutions Limited is a registered Financial Advice Provider (FSP 729871) based in Palmerston North, serving families and business owners across the Manawatū region and throughout New Zealand. We've been providing independent financial and insurance advice for over 10 years — and 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.
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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.
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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.
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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.
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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.
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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.
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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 — no bank bias.
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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.
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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 — 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
Registered Financial Adviser · FSP 729871
I grew up understanding the importance of protecting what you've worked hard to build. Over the past 10+ years in Palmerston North, I've helped hundreds of families across the region 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 — full stop. 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 — cover should too. We're here for the long term, not just the sale.
"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
Based in Palmerston North, we provide independent financial and insurance advice to clients nationwide — in person, by video, or by phone.
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 one of our Palmerston North advisers. No pressure, no jargon — just straight answers.
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.
Our disclosure statement, complaints process, privacy policy, and FSP registration details — as required by NZ law.