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New Zealand; a land of opportunity but not without risk.

No matter what background we have or what country we or our forebears come from, there is no doubt New Zealand offers opportunities to those prepared to work for them. This pioneering spirit in a modern world has become more often referred to as our entrepreneurial spirit…where grit and determination meets execution! We can spend time working for ‘the man', building our know-how and experience or we are already experienced business people from other places, and one day we think, ‘I could do this myself. Take my dream, start a business, (or start again), employ some help. I don't want an empire, I just want to work for myself and get a lifestyle out of it for me and my family.'

This attitude is so common that small to medium sized enterprises (SMEs) in New Zealand employing five or fewer people now number over 430,000, employing more than 560,000 people representing immeasurable worth to the national economy (GDP). But there's a threat lurking beneath these impressive statistics: research tells us that New Zealanders are underinsured compared with other countries, with only about a third of the investment other OECD nations put into protecting the livelihoods of the people producing this GDP. At GFS there is too often evidence that business owners, many of whom are the key person in the business, frequently lack some or all of the cover they need.

This is in part because many see insurance as expenditure rather than protecting their dream. One role of GFS is to show people than insurance is not a cost, but on the contrary a vital element of financial wellbeing. A second role is to provide products and services that facilitate that wellbeing.

The diagram shows all the parties at risk in ‘The Circle of Life'. The business is underpinned by its key people, who are subject to general life risks - accident or illness that could leave them temporarily or permanently unable to contribute to the business.

That financial impact flows on to the owner/s of the business (often also a key person), who is responsible for the debt, both visible and invisible. Some owners think they don't need business or key person cover because they don't see any outstanding debt - they wholly own the business and the business assets such as vehicles and so on.

However, that's just the visible debt. The cost of exiting is invisible - if you suddenly had to close the business, what would it cost you to pay all current utility bills, rates, holiday pay and other entitlements? What about your lease commitments too? Too often these issues can be overlooked.

Then there are the families; the people supported by the business. What does the owner's lifestyle cost? What about their staff's lifestyles? Who and what is dependent on the business, and what happens if that revenue stream drops or stops? But of course, ‘the circle of life' only completes because the business also is dependent on the very people needed to drive revenue.

The advice GFS offer their clients looks to deal with this value chain. Certainly, it is the responsibility of business owners and key people to seek advice to get the cover they need. But GFS bear equal responsibility, in that they must help to simplify this process and support their clients transfer of any financial liability they are uncomfortable with should a life risk event strike. Getting the insurance you need should not be complicated or expensive relative to the risks you face – Talk to GFS today about how they can help you.

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GFS is ASB Bank’s top mortgage adviser for 2015

Written by Saurabh Gupta on October 19th, 2015.      0 comments

October 19, 2015 – Today at Auckland, Mr. Ian Boyce, ASB Bank’s General Manager of Business Banking and Retails Specialist Services presented the Number One Broker Award for New Money Advanced Award to Mr. Ajay Kumar of Global Financial Services Ltd (GFS) for the year July 2014 to June 2015. This means that Global Financial Services Ltd (GFS) is the largest mortgage adviser for ASB Bank for the year. ASB Bank team members also present at the ceremony included Mr. Marc Oliver, ASB Bank’s Head of Third Party Banking, Mr. Richard Speir ASB Bank’s Regional Manager, Auckland Business Banking, Mr Parvez Bhandari, Daniel Irwin, Broker Center Manager and Ms. Maggie Ip.
GFS wins top mortgage broker award from ASB Bank

This is the second year in a row that GFS has won the top broker award from ASB Bank. GFS won the top mortgage broker award of ASB Bank for the year 2013-14 as well.

Just 2 weeks back, GFS achieved the status of being the first Indian Financial Adviser to win the award for Excellence in Customer Service from Westpac Auckland Business Awards (South) 2015, Auckland Chambers of Commerce and ATEED.

According to Mr. Ajay Kumar, Managing Director of GFS, “It is our honour to get such an important recognition from a leading bank and he sincerely thanked all the customers and team members. He also appreciated the support of the entire ASB Bank team under the stewardship of Mr. Ian Boyce.”

We always act in the best interest of our customers and thank our customers for their utmost support during the last 16 years.

The GFS team works hard to not only get the best rates for our clients but also good customer service. Every day we fulfil hundreds of customer requests who want to either enquire about their mortgage or make changes to it.

ASB Bank presents the top mortgage broker award to the global finance team.

When a customer calls GFS, it is directly answered by our front office or one of our advisers – rather than making them listen to music for endless minutes. Instead of complicated procedures, with GFS all it takes is a single call or email for enquiries or changes such as re-fixing.”

On this occasion when Ajay Kumar was asked the reason of acquiring top position in the country, he gives the entire credit to its customers’ utmost support, team dedication and the latest technology which has been used to manage the business.

GFS keeps investing in new technologies to provide a better experience to its customers. This year also it invested thousands of dollars in improving its CRM, email and telephone systems. It will be shortly investing in even more advanced communication capabilities which mean even better service for customers.

Over the years, GFS has been ranked as one of the top brokers / insurance advisers in New Zealand by ANZ Bank, ASB Bank, Westpac Bank and AIA Insurance. GFS has won the Indian Business Awards in multiple categories in 2009, 2010, 2012 and 2014 – including Supreme Business of the Year, Excellence in Customer Service, Best Small Business, Marketing Excellence and Young Entrepreneur.

GFS has received praise from dignitaries such as Phil Goff, Jamie Lee Ross, Dr. Jackie Blue and Mr. Kanwaljit Singh Bakshi. There has also been mention of Global Financial Services for appreciating its services in the Notices of Motion in the New Zealand Parliament. 



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