Sow today, thrivetomorrow.

The Sow Financial team in their Christchurch studio

Why we exist

We looked at how financial advice works in New Zealand. Then we built the opposite.

Somewhere along the way, advice stopped being about the client. Commission decided what got recommended. Jargon kept people at arm’s length. And the industry earned a reputation it mostly deserved. We thought Kiwis deserved better than that, so we started Sow.

Here, the advice follows what’s right for you, not what pays us most. We’re salary-paid on purpose, so there’s nothing tugging the recommendation off course.

But we wanted to change more than one firm. We’re trying to build a better culture in financial services, the kind where doing right by people is the business model, not the marketing.

See how we work with you
A young child holding a daisy in a sunlit field
A young family relaxing together in long grass beside white blossoms
0 Kiwis looked after
0 Independent, always
$0 Upfront fees for advice

How we help

Advice that’s unhurried, honest, and built around you.

Financial advice should feel like genuine support, not persuasion. Four steps, no scripts, and you leave understanding exactly what you have and why.

  1. 01

    We listen first

    A relaxed kōrero about your life, your people, and what keeps you up at night. No cost, no obligation.

  2. 02

    We do the digging

    We compare the market, model the numbers, and design cover and budgeting that actually fit your world, not a template.

  3. 03

    We explain it plainly

    You get a clear recommendation in words you understand: the why, not just the what, with every trade-off laid out. You decide. We never push.

  4. 04

    We stay in your corner

    Getting cover in place is the start, not the finish. We handle the paperwork, review your plan as life changes, and stand beside you at claim time, when it matters most. Same people, same phone number, year after year.

A father holding his young daughter in a sunlit Christchurch field

What we do

Three ways we help you grow something steady.

Less complexity, more confidence. Whatever stage you’re at, our job is to translate the options into a clear next step.

A young family sitting with their golden retriever beneath a willow tree

Health insurance

Faster access to the treatment you need, without the public waitlist, so you can get back to living sooner.

  • Private surgical & medical cover
  • Specialists & diagnostics
  • Family & individual plans
  • Reviewing cover you already hold
Talk to us about this

Not sure what you need? That’s normal, and it’s exactly what a first chat is for. Start with a conversation ›

A young family walking hand in hand beneath willow trees

Partners in your financial freedom.

The three advisers behind Sow Financial

Our team

Real people, right here in Ōtautahi.

We’re a small, independent team based in Christchurch and working with clients across all of New Zealand. When you call, you talk to the person who knows your file, not a call centre. Wherever you are in the country, we’re a phone or video call away.

Being independent matters. We’re not owned by an insurer, so our job is simple: find what’s genuinely right for you across the market, and tell you the truth about it.

Meet the whole team

Client stories

The reason we do this.

The Nimmo family on the Christchurch hills

“I’ve had a fantastic experience with Sow Financial! Simon and Harri are professional, knowledgeable, and genuinely committed to helping clients achieve their financial goals. They took the time to understand my situation and offered clear, practical advice tailored to my insurance needs. I now feel more confident and in control of my financial future. Highly recommend!”

— The Nimmo family, Christchurch

“Would highly recommend Sow Financial! They are quick with their communication, friendly, approachable and most of all have your best interest in mind.”

— The Joll’s family

“The advisor gave me his full attention and listened to where I was at with my limited financial knowledge. He was clear, helpful and inspired me to take a good direction with my savings plan.”

— Tana Connor-McClean
A mother holding her baby under a willow tree
Parents swinging their daughter by the hands on the Port Hills
A mother laughing with her baby among willow branches

Get in touch

Let’s have a chat. The first one’s on us.

No cost, no obligation, no judgement. There are no silly questions here. Tell us a little about what’s on your mind and we’ll come back to you within one working day.

By sending this you agree we can contact you about your enquiry. We’ll never share your details.