MapMy Financial Health

A financial check-up
for every person on your team.

Most people don't have a financial adviser — not because they don't need one, but because it's never felt accessible. This programme changes that. Your business funds the initial session. Each person gets one-on-one time with an MMFG adviser. No pressure on staff. Just clarity.

Register your business See how it works
Employer
Funded by your business
45 min
Per employee session
9
Financial areas covered
Jonathan Smith, MMFG Financial Adviser
Jonathan Smith
Mortgage & Investment Adviser · MMFG
The Why

It exists because most people need it.

Financial stress is one of the most common — and least talked about — things people carry into work. Most employees deal with it alone. They don't know what they don't know, and access to a good adviser has historically meant being wealthy enough to need one.

MapMy Financial Health gives every employee access to a one-on-one session with an MMFG adviser — funded by their employer as a genuine staff benefit. No agenda for the employee, no upsell, no obligation to act. Just someone qualified actually looking at their situation and telling them where they stand.

Who You'll Work With

A real adviser. Not a chatbot, not a calculator.

Jonathan Smith, MMFG Financial Adviser
Qualified in Residential Lending
Qualified in Investment Advice
FAP Licensed — Financial Advice Provider
Based in Cambridge, Waikato — in person & online
Jonathan Smith
Mortgage & Investment Adviser, MapMy Financial Group

I started MapMy Financial Health because I kept meeting people in their 30s and 40s who'd never had anyone actually look at their finances — not properly. They were guessing at KiwiSaver, paying off the wrong debt first, and missing entitlements they didn't know they had.

Every session is genuinely one-on-one. No agenda beyond actually helping. I work through everything — cashflow, debt, KiwiSaver, insurance, housing — and give honest recommendations. Not a sales pitch. Not a product push. Just clarity on where you stand.

"Financial advice shouldn't be a luxury. It should be accessible to every working New Zealander — regardless of how much they earn."
Available in person (Cambridge, Waikato) or online NZ-wide
What You Receive

A Financial Health Summary — for every employee.

At the end of each session, the employee receives a personalised written report. It covers every area discussed, what's on track, what needs attention, and the specific next steps available to them. Here's exactly what it looks like.

MMFG

Financial Health Summary

MapMy Financial Group · Confidential
Session: 14 April 2026 · Adviser: Jon Smith

ClientSarah Thompson
EmployerAcme Construction Ltd
ProgrammeMapMy Financial Health
RefMFH-2026-0041
Status: On Track Review Needed Eligible Priority Not Applicable
Health Check
Summary & Priorities
Funding Options
Income & Cashflow
Cashflow & Budgeting Income covers expenses. ~$420/month unallocated. On Track ▼
Adviser Notes
Income comfortably covers expenses with ~$420/month unallocated. No immediate cashflow concern, but that surplus is sitting idle in an everyday account. Structuring it will make a meaningful difference.
Set up an automatic savings split on payday
$300/month to a dedicated savings account, $120 to KiwiSaver top-up. No lifestyle change required.
Payroll deduction availableSelf-managed
Savings & Investments
KiwiSaver Default conservative fund. 3% contribution. Balance $18,400. Review Needed ▼
Adviser Notes
Auto-enrolled 4 years ago, never reviewed. Conservative fund with a 25-year runway to retirement is mismatched. Lifting to 4% unlocks maximum employer match and government top-up. Estimated $80k–$120k additional balance over 25 years from these two changes.
Switch to growth fund + lift contribution to 4%
Fund switch is free, takes 2–3 weeks. Contribution change via payroll takes one pay cycle. Both recommended immediately.
Employer top-up availableVia payroll
Investments & Managed Funds No investments outside KiwiSaver. Eligible ▼
Adviser Notes
No investment exposure outside KiwiSaver. Once the credit card is cleared and cashflow split is running (~month 8), she'll have a growing surplus that should be invested rather than saved at zero-return.
Managed fund — start once debt is cleared
$100–$200/month into a diversified growth managed fund. MMFG will provide a full fund comparison at that stage.
Self-funded
Property & Lending
Housing & First Home Currently renting. KiwiSaver $18,400 + $6k savings. Eligible ▼
Adviser Notes
Meets criteria for KiwiSaver first-home withdrawal. With continued saving, purchase is achievable within 12–18 months depending on target location and price range.
Mortgage pre-approval — understand borrowing capacity now
Confirms borrowing limit, validates KiwiSaver withdrawal eligibility, and identifies gaps before application. No cost, one meeting.
No cost — lender-funded advice
Debt
Short-term Debt Credit card $2,800 @ 20.95%. Car loan $8,400 @ 12.9%. Priority ▼
Adviser Notes
Two active short-term debt positions. Combined interest cost ~$155/month. Clear highest rate first, then accelerate the car loan.
Debt waterfall — card first, then car loan
Direct $420/month surplus to credit card — cleared in 7 months. Redirect to car loan. Total interest saved: ~$1,840.
Client-managed — no external cost
Protection & Insurance
Insurance & Protection No income protection. No life cover. ACC only. Priority ▼
Adviser Notes
No income protection and no life cover. ACC covers accidents only — illness, surgery, and mental health are completely unprotected. Income protection is the highest-priority product from this session.
Income protection — obtain quotes immediately
MMFG will obtain quotes from multiple insurers. Employer may fund via payroll deduction — confirm with HR.
Employer funding availablePayroll deduction
Goals & Planning
Goals & Longer-term Plan First home 12–18 months. Retirement not yet a focus. On Track ▼
Adviser Notes
Clear near-term goal with a realistic timeline. KiwiSaver and debt changes above mean retirement is building passively. A 12-month check-in is the right next touchpoint.
12-month review — scheduled
Review KiwiSaver switch, homeownership progress, debt clearance, insurance status, and managed fund readiness.
Included in programme
2
On Track
1
Review Needed
2
Eligible
2
Priority
Priority Actions — Recommended Order
  • 1
    Income protection — get quotes this weekHighest-risk gap. Nothing protecting her income outside ACC. Employer funding may be available.
  • 2
    Short-term debt waterfall — start nowCredit card at 20.95% first, then car loan. Directs $420/month surplus. Saves ~$1,840 in interest.
  • 3
    KiwiSaver — switch fund & lift to 4%Wrong fund for her timeline. Simple change, long-term impact. Can be done this week via payroll.
  • 4
    Mortgage pre-approval — understand buying powerFree to start. Confirms her number and what's needed to get there. No obligation to proceed.
  • 5
    Managed fund — begin after debt is cleared (~month 8)$100–$200/month into a diversified growth fund once the card is gone.

How costs work — and who can cover them.

Some advice has no direct cost — mortgage, KiwiSaver switches, managed fund recommendations. Others carry an ongoing premium. Depending on your employer's arrangement, costs can be structured three ways.

Employer Funded

Your employer covers the premium

Some businesses fund income protection as a staff benefit. Where arranged, the premium is paid by the company on your behalf.

Payroll Deduction

Pre-tax, automatic, from your pay

Insurance premiums and additional KiwiSaver contributions can be deducted via payroll — automatic and may carry a tax benefit.

Self-funded

You manage it directly

MMFG handles the paperwork and advice at no charge. Mortgage and KiwiSaver advice costs nothing regardless. For insurance, you pay the premium direct to the insurer.

Your employer funds the initial session as a staff benefit. MMFG advisers earn commission from providers — insurers, lenders, and fund managers — when a product is placed. There is no direct charge to you as the employee.

MapMy Financial Group Ltd · FAP Licensed · Cambridge, Waikato

Confidential — for named client only · MFH-2026-0041

Moving Forward

What happens next is completely up to them.

The check-up is genuinely standalone. There's no obligation to act on any of it. But if someone wants to move forward on what they've found out, MMFG can help — across everything covered in the report.

01

Do nothing — and that's fine

The summary is theirs to keep. Some people just want to understand where they stand. That's a completely valid outcome.

02

Act on one priority

Pick the highest-priority action from their report and tackle it. Their adviser can help with whichever area they want to start — insurance, KiwiSaver, mortgage, or debt.

03

Build a longer-term plan

For employees who want more, MMFG can put a full financial strategy together — working across lending, investments, and insurance as one connected picture.

The initial session is funded by your business as a staff benefit. MMFG advisers earn commission from providers — lenders, insurers, and fund managers — when a product is placed with an employee. There is no charge to the employee at any stage.

The Process

Three steps from sign-up to check-up.

01

Register your business

Fill in the form. We call within one business day to confirm details and set up staff access. No contracts, no cost, five minutes.

02

Staff book their session

Your team books a one-on-one financial health check — online or in person, at a time that suits them. Fully confidential.

03

They get their 45-minute check-up

An MMFG adviser works through their full financial picture. They leave with a written summary and clear next steps — no jargon, no sales pitch.

Register

Get your team set up.

Leave your details and one of our team will be in touch within one business day to talk through the programme, pricing, and how to get it running for your people.

Company-funded — a genuine benefit for your staff
Fully confidential for each employee
NZ-based, licensed financial advisers
No lock-in — cancel anytime
Business Enquiry — MapMy Financial Health
✓ Thank you — we'll be in touch within one business day to get your programme set up.
Google Reviews

What our clients
actually say

5.0
on Google

"Jonathan is great. We recently refinanced several mortgages, and changed banks for some of them in the process. Jonathan took care of everything and made the process so easy and worked hard to get us far better deals than we would have got ourselves. I highly recommend Jonathan."

A
Andrew
2 months ago via Google

"Jonathan was recommended to me by a friend who was already singing his praises and from the get go he has been amazing, super friendly and easy to talk to, he knows his stuff and will help you understand the complicated side of things. Jonathan helped me secure a loan for my first home and was so hands on and helpful during the entire confusing process."

W
William Beer
3 months ago via Google

"I recently worked with Jon on both refinancing my current home and securing financing for an investment property, and I couldn't be happier with the experience. From start to finish, Jon was professional, knowledgeable, offering great advice and promptly answering every question I asked. Highly recommend."

A
Agustina Comignaghi
3 months ago via Google