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For Daniel & Emma Harbour
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Client’s first name
Daniel
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“it’s Daniel, but most people just call me Dan”

Partner’s name spelling
Emma Louise Harbour
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“my wife Emma — E-M-M-A, Harbour same as mine, with the U”

Daniel’s income · less sure
$135,000
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“took about one thirty-five out of the business last year, before tax”

Emma’s income · less sure
$86,000
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“Emma’s on about eighty-six with the shift allowances”

Daniel’s KiwiSaver balance · less sure
$98,000
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“KiwiSaver’s sitting about ninety-eight”

Fact find

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People1 to check

Daniel James Harbour · 021 447 8920 · Married, NZ citizen, non-smoker +7 more

Identity

First nameDaniel▾

“it’s Daniel, but most people just call me Dan”

Full nameDaniel James Harbour
DOB21 June 1983▾

“twenty-first of June, eighty-three”

Contact & profile

daniel@harbourbuilding.co.nz · 021 447 8920
29 Beveridge Street, Christchurch Central 8013
Married, NZ citizen, non-smoker
Build191 cm, 90 kg

Lifestyle

HobbiesMountain biking, fishing, skiing
GoalProtect the family and the business
Partner1 to check

Emma Louise Harbour · 14 March 1986 · NZ citizen, non-smoker +3 more
Name spellingEmma Louise Harbour▾

“my wife Emma — E-M-M-A, Harbour same as mine, with the U”

DOB14 March 1986
emma.harbour@gmail.com · 027 883 4412
NZ citizen, non-smoker
Build168 cm, 63 kg
ChildrenClear

Isla, 8 · Theo, 5
Isla8, born 2 May 2018
Theo5, born 19 Nov 2020
HealthClear

Daniel: psoriatic arthritis · Emma: asthma, knee arthroscopy +2 more
DanielPsoriatic arthritis, managed
EmmaMild asthma, preventer only
EmmaKnee arthroscopy 2021, recovered
Family historyFather, heart attack at 61
GPBoth at Papanui Medical Centre, Christchurch
Employment2 to check

Daniel: builder, self-employed, $135k · Emma: nurse, PAYE, $86k +6 more

Daniel — role & business

RoleBuilder, residential, site supervisor
Work patternSelf-employed, 50 hrs/wk, since Oct 2019
Hands-on70%
BusinessHarbour Building Ltd, NZBN 9429048871234, GST, 4 staff
Sales$620,000/yr

Daniel — income & tax

Income$135,000▾

“took about one thirty-five out of the business last year, before tax”

PAYENo PAYE (drawings)
IRD049-882-113
ACCCoverPlus (CPX to discuss)

Emma

RoleRegistered nurse, Christchurch Hospital
Work patternEmployed PAYE, part-time 32 hrs/wk
Income$86,000▾

“Emma’s on about eighty-six with the shift allowances”

KiwiSaver1 to check

Daniel: ASB Moderate, $98k · Emma: Fisher Funds Growth, $64.5k +2 more
Daniel’s fundASB, Moderate
Daniel’s balance$98,000▾

“KiwiSaver’s sitting about ninety-eight”

Daniel’s contribution$50/wk voluntary
Emma’s fundFisher Funds, Growth
Emma’s balance$64,500
Emma’s contribution4% + 3% employer
Financial pictureClear

Home $980k · Rental $640k · Business $1.2m +7 more

Property

Home$980,000 (ANZ $520,000 · $3,200/mo)
Rental$640,000 (BNZ $400,000 · rent in $2,600/mo)
Holiday home$480,000 (ASB $180,000)

Vehicles

Ute$42,000 (UDC $18,000)
Car$28,000, owned

Liquid assets

Business$1,200,000
Savings$35,000
Sharesies$22,000
Other$60,000

Credit

Visa limit$15,000
Cash flowClear

Living $7,800/mo · Savings $1,500/mo
Living$7,800/mo
Savings$1,500/mo
Existing coverClear

Fidelity life $500k · Partners IP $6,750/mo · AIA life $350k +3 more
Fidelity LifeLife $500,000, Daniel, FL-4471920, $68/mo
Fidelity LifeTrauma $150,000, Daniel
Trauma — EmmaNot covered
Partners LifeIP $6,750/mo, 8-wk wait, to 65, $142/mo
AIALife $350,000, Emma, $41/mo
Southern CrossWellbeing Two, family, $500 excess, $289/mo
Estate planningClear

Wills & EPAs: Daniel yes, Emma no · Harbour Family Trust +2 more
Wills & EPAsDaniel yes, Emma no
TrustHarbour Family Trust
LawyerCavell Leitch
AccountantInitiom Accountants
Insurance needsClear

Life $1.15m / $850k · Trauma $200k each · TPD $400k +3 more
Life$1,150,000 / $850,000
Trauma$200,000 each
TPD$400,000
IP75% to 65
ACC CoverPlus Extra$100,000
Key person$120,000
Advice scopeClear

KiwiSaver · lending · investment · general · pet · estate/EPOA
TopicsKiwiSaver, lending, investment, general, pet, estate/EPOA