Eduard du Toit | Financial Adviser · FSP1009995

Protect what you have built. Plan for what comes next.

Straightforward insurance advice for families, professionals and business owners across New Zealand. Start with the risks that could put you under the most financial pressure, then work out what cover is worth considering.

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Auckland-based adviser, backed by MFSS / SHARE.
Eduard du Toit, Financial Adviser at SHARE
10+ years in insurance and financial services
FSP1009995 New Zealand Financial Adviser
16,500+ clients supported nationwide by the MFSS / SHARE team
Auckland 25 Mantra Road, Massey

Who Eduard works with

Insurance advice built around real life.

Everyone’s situation is different. The first step is to work out what would cause the biggest financial problem if something went wrong.

Families and homebuyers

Protecting the household when income, health or major life events change.

  • Life and health cover
  • Income protection and trauma cover
  • Reviewing existing policies
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A family has a mortgage, children and several policies taken out at different times. The useful first step is to identify the financial risks that matter most, then check whether the existing cover still fits.

Protect the people behind the mortgage

A family with a mortgage and children wants to know whether the cover already in place would keep the household stable if illness, disability or death reduced income. The review starts with the likely shortfall, then checks whether the existing policies still match the family’s needs.

Illustrative example, not a client testimonial. Click to go back ↩
Most common topics

Professionals and new New Zealanders

Clear advice for people building a career, household and long-term life in New Zealand.

  • Personal risk cover
  • Private health insurance
  • Cover that fits work and family commitments
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A professional or newcomer has growing income and responsibilities, but insurance has been pieced together over time. A structured review can show what is essential, what overlaps and what may be missing.

Make the cover fit the life you are building

Someone building a life in New Zealand has cover arranged at different stages and wants one clear picture. The review checks what is still useful, what overlaps and where there may be a genuine gap.

Illustrative example, not a client testimonial. Click to go back ↩

Business owners

Personal and business risks often overlap, especially when the business depends on key people.

  • Life, disability and income risks
  • Fire and general insurance
  • Policy reviews and claims support
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A business owner wants to know what happens if illness, injury or another major event interrupts work. The conversation starts with the financial impact, then looks at the cover and cash buffer already in place.

Protect the business as well as the household

A business owner depends heavily on their ability to work. The review looks at household income, business commitments, property risks and existing insurance, then separates the risks that need personal cover from those that need fire and general protection.

Illustrative example, not a client testimonial. Click to go back ↩

Insurance advice

Start with the risk. Then choose the protection.

Eduard advises on insurance. He starts by understanding the risk and the financial impact, then works through the cover and policy terms with you.

Life insuranceFinancial protection for the people who depend on you.

Work through debts, family commitments and the financial gap that could be left behind if you die.

Health insurancePrivate health cover that matches your priorities and budget.

Review the role of private health insurance, the level of cover and the trade-offs between benefits, exclusions, excesses and premium cost.

Income protection, disability & traumaCover for major health events that can interrupt earning or change day-to-day life.

Look at the income and costs that still need to be met if illness or disability affects your ability to work, then review the policy structure and key terms.

Fire & general insuranceProtection for property and other insurable assets.

MFSS provides advice across fire and general insurance as well as personal risk cover. The right scope depends on what you own and the risks you need to manage.

Policy reviewsCheck whether existing cover still fits your life and priorities.

A review is about understanding what you already have, why it is there and whether there are meaningful gaps or overlaps.

Claims supportSupport when the policy actually needs to do its job.

Help does not stop once cover is in place. Eduard and the MFSS / SHARE team stay involved with ongoing advice, reviews and claims support.

Ongoing service

Advice should still be useful after the policy starts.

Getting the policy in place is not the end of the job. Cover needs reviewing as life changes, and claims need support when something happens.

Talk through your situation
01

A structured risk review

Start with the events that could create the biggest financial pressure.

02

Clear explanations

Policy features and trade-offs explained in plain language.

03

Claims support

The team stays involved when a claim puts the advice to the test.

04

Backed by SHARE

Access to a nationwide adviser network, professional development and compliance support.

How the process works

From the first conversation to ongoing service

The process is simple: understand the situation, review the risks and existing cover, then work through the options.

  1. 01

    Initial conversation

    Talk through what has changed, what you want to protect and what you are concerned about.

  2. 02

    Risk and needs review

    Review the financial impact of illness, disability, death, property loss or other relevant risks, along with any cover already in place.

  3. 03

    Advice and options

    Eduard explains the recommended direction, the important policy features and the trade-offs that come with the available options.

  4. 04

    Application and implementation

    If you decide to proceed, the application, insurer requirements and supporting paperwork are coordinated through the advice process.

  5. 05

    Ongoing service and claims

    Review cover as life changes and stay connected when you need help with a policy or claim.

Quick insurance tools

Turn a vague risk into a number you can discuss.

These NZD tools are conversation starters only. They do not replace personalised advice or policy-specific analysis.

Income resilience

What is the monthly gap if your income stops?

Enter essential household costs, reliable income that would remain and your current accessible savings.

NZ$0NZ$30,000
NZ$0NZ$20,000
NZ$0NZ$250,000
1 month24 months
Estimated monthly gapNZ$5,500
Current buffer may cover5.5 months
Target bufferNZ$33,000
Gap to targetNZ$3,000

i Educational estimate only. It does not account for ACC entitlements, sick leave, tax, waiting periods, benefit offsets, eligibility or changing expenses.

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Eduard du Toit, Financial Adviser
Eduard’s approachUnderstand the real risk first. Then decide what protection is worth putting in place.

About Eduard

A practical view of risk, shaped by leadership experience.

Eduard has spent over a decade in insurance and financial services. Before focusing on advice, he spent more than 15 years in leadership roles managing housing projects in South Africa and New Zealand, including projects valued from about $2 million to more than $250 million.

He holds a BSc in Applied Science, a Postgraduate Diploma in Quantity Surveying and a Master’s in Governance and Leadership. Today he brings that structured view of risk, stakeholders and long-term consequences into insurance conversations.

StructureStart with the financial impact, not a product list.
ClarityImportant terms and trade-offs explained in plain language.
Client interestsRecommendations should be grounded in the client’s goals and circumstances.
Long-term serviceAdvice and claims support matter after the policy is in place too.

Common questions

Questions worth asking before you choose cover.

A few useful points to know before you contact Eduard.

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What areas of insurance can Eduard help with?

Eduard advises on fire and general insurance, as well as life, disability, trauma and private health cover. The exact mix depends on your circumstances, priorities and budget.

Can you review cover I already have?

Yes. A review starts with what you already hold, what the policy is intended to protect and whether the cover still fits your current circumstances. A change should have a clear reason.

Do you charge a fee?

Fees are not usually charged for financial advice. If a fee applies in specific circumstances, it is agreed with you in advance. SHARE and its advisers may also receive commissions from product providers; full details are available in the SHARE disclosure.

Where is Eduard based?

Eduard is based at 25 Mantra Road, Massey, Auckland 0614. You can contact him on 09 473 0880 or 0278 251 283 to arrange a discussion or appointment.

What happens if I need to claim?

If you need to claim, Eduard and the MFSS / SHARE team can help you through the process and work with the insurer where appropriate. That support is part of the ongoing service.

Interested in financial advice as a career?

See what it means to become a SHARE adviser.

SHARE gives advisers access to a national network, professional development and business support.
Learn more

Start a conversation

Tell Eduard what you would like to protect or review.

A few sentences are enough. Keep the first message general and avoid sending sensitive policy or medical information.

01
What would you like to discuss?Briefly describe what you want to protect or review.

Do not include policy numbers, medical information, identification documents, login details or other sensitive information in this form.

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