Independent Financial Adviser helping New Zealand families with insurance, KiwiSaver, and home loans. Based in Palmerston North, serving all of NZ.
With over a decade of experience, I've helped hundreds of New Zealand families make confident financial decisions. My approach is simple: independent, unbiased advice tailored to your situation.
I'm not tied to any product provider, which means my recommendations are genuinely in your best interest. Whether it's protecting your income, optimizing your KiwiSaver, or finding the right home loan, I take time to understand your goals before suggesting solutions.
Based in Palmerston North but serving clients nationwide, I combine personal service with access to a nationwide network of specialists and lenders.
"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."
Understand the factors driving insurance premium increases and strategies to manage rising costs effectively.
Discover the key differences between bank advice and independent financial advisers, and why it matters for your future.
Explore the gaps in NZ's public health system and evaluate whether private medical insurance is right for you.
Navigate the mortgage market with confidence. Learn about loan types, deposit requirements, and strategies for first-time buyers.
A practical method to work out the right amount of cover for your family, with a worked example, so you don't over-insure.
The optimal contribution rate, how to make the most of employer contributions, and how to qualify for the annual government contribution.
What lenders want from self-employed applicants, how to present your income, and which lenders work best.
Why self-employed Kiwis need income protection, how it fills the gap ACC leaves, and what cover actually costs.
Let's work together to create a plan that works for your situation. First consultation is free with no obligation.