Gifting a deposit for a home can seem simple enough but you need to consider the following: 1.Are there other siblings to think about? 2.An alternative to gifting can be a loan, how does this affect future claims by a spouse? Bryan Ivamy, general manager of NZ Trustee Services was kind enough to share his thoughts.

When to review your cover?
Life stages Certain moments in life where we should be encouraged to review the insurances we have in place. A less well known feature of


