About Us
Mutual Solutions is an independent insurance and financial advice business based in Palmerston North, serving clients across New Zealand since 2012. We are not owned by, or tied to, any bank or insurer.
Our Story
Mutual Solutions Limited was founded in Palmerston North in 2012 with a simple idea: insurance and financial advice works better when the adviser has no reason to favour one provider over another. Over 10+ years, that's meant helping hundreds of families and business owners across the lower North Island, and increasingly nationwide by phone and video, get cover that actually fits their life rather than whatever a bank or insurer's own sales targets pushed that quarter.
We're a registered Financial Advice Provider (FSP 729871), and every recommendation we make is disclosed, documented, and built around your goals, your budget, and your family, not our margins.
What Makes Us Different
Most people end up with insurance, KiwiSaver, and a home loan arranged by three different people who never talk to each other. We do it differently: one adviser who sees your whole financial picture, so recommendations actually fit together instead of quietly working against each other.
01
Whole-of-market comparison. We compare policies and lenders across the New Zealand market, not just one provider's shelf.
02
Annual reviews. Life changes, cover should too. We check in every year rather than setting and forgetting.
03
Claims support. When you need to claim, we manage the process and advocate for you rather than leaving you to deal with the insurer alone.
04
Free initial advice. Your first consultation costs nothing, with no obligation to proceed.
Your Adviser
Mutual Solutions is led by Upmeet Sodhi, a Financial Adviser (FSP 250405) with over 10 years of experience helping New Zealand families with insurance, KiwiSaver, and home loans.
A free, no-obligation conversation with an independent adviser, in person, by phone, or by video, wherever you are in New Zealand.