https://www.rtfs.nz/resources daily 0.75 2023-05-09 https://www.rtfs.nz/resources/2022/11/9/significant-premium-increases-in-2022 monthly 0.5 2022-11-08 https://www.rtfs.nz/resources/2021/4/24/how-you-can-be-overinsured-and-underinsured-at-the-same-time-and-how-to-save-some-dollars monthly 0.5 2021-04-24 https://images.squarespace-cdn.com/content/v1/574b6f441d07c0e08564e424/1619236914563-VKM967AJUHBUI9PAMPKN/Untitled+design+are+we+there+yet.png Resources - How you can be overinsured and underinsured at the same time and how to save some dollars https://www.rtfs.nz/resources/2019/5/24/the-truth-about-terrorism-exclusions-on-life-insurance monthly 0.5 2019-05-24 https://images.squarespace-cdn.com/content/v1/574b6f441d07c0e08564e424/1558665352377-4JXQ5UCA4S1GJBN908M1/NZ+Broken+heart+Linkedin.png Resources - The Truth about Terrorism Exclusions on Life Insurance "No words" Image credit, Richard Lemmens: https://www.linkedin.com/in/richard-lemmens-65521b60/ https://www.rtfs.nz/resources/why-i-hate-bad-advice monthly 0.5 2017-02-19 https://images.squarespace-cdn.com/content/v1/574b6f441d07c0e08564e424/1487541782084-6C33DOLTFYEFPN1Y2BY9/image-asset.jpeg Resources - Why I hate bad financial advice https://images.squarespace-cdn.com/content/v1/574b6f441d07c0e08564e424/1487540366278-AVF2ROXB8U6CYNQ1RL6U/image-asset.png Resources - Why I hate bad financial advice https://www.rtfs.nz/resources/2016/11/1/kiwis-wary-of-surgery-wait-times-switch-to-private-healthcare monthly 0.5 2016-11-01 https://www.rtfs.nz/resources/sunburn-and-keytruda-update monthly 0.5 2016-07-03 https://www.rtfs.nz/resources/sunburn-and-keytruda monthly 0.5 2016-07-07 https://www.rtfs.nz/resources/an-open-letter-to-peter-dunne monthly 0.5 2016-07-07 https://www.rtfs.nz/resources/are-we-prepared-to-wait-2-years-for-breast-reconstruction-surgery monthly 0.5 2016-07-07 https://www.rtfs.nz/resources/tag/insurance monthly 0.5 https://www.rtfs.nz/resources/tag/terrorism monthly 0.5 https://www.rtfs.nz/resources/tag/insurance+advice monthly 0.5 https://www.rtfs.nz/resources/tag/life+insurance monthly 0.5 https://www.rtfs.nz/home daily 1.0 2026-02-11 https://images.squarespace-cdn.com/content/v1/574b6f441d07c0e08564e424/1495583196000-WNFKSFKZTNJT2A7OWRQ2/_MG_9522+%281%29.jpg Home https://images.squarespace-cdn.com/content/v1/574b6f441d07c0e08564e424/1619222108185-SNDAZA7QMWJUQSY79JPF/Untitled+design+are+we+there+yet.png Home https://images.squarespace-cdn.com/content/v1/574b6f441d07c0e08564e424/1619222358389-ZZK2VGX4KR2KFXVUF6S2/IMG_20201028_102913_Bokeh.jpg Home https://images.squarespace-cdn.com/content/v1/574b6f441d07c0e08564e424/1619223236903-FW1HMA7J9KR9NZVK4E03/14124328_688693814618087_8683144431193367641_o.jpg Home https://images.squarespace-cdn.com/content/v1/574b6f441d07c0e08564e424/1619400142331-37M9PDE02XMLNH8MIQG8/IMG_20210426_130658_Bokeh+%283%29.jpg Home https://images.squarespace-cdn.com/content/v1/574b6f441d07c0e08564e424/5beee892-4642-4de8-a4c8-a6e8468d5770/Harness+Landcape+Banner+-+Blue+%28Email+Header%29+%282%29.png Home - Hi! We’re glad you’re here. Rees-Thomas Financial rebranded to Harness Financial in June 2023. This website remains live as an archive, but please visit harnessfinancial.co.nz to get in touch with us! See you soon! The team at Harness Financial https://www.rtfs.nz/services daily 0.75 2021-04-27 https://www.rtfs.nz/whoarewe daily 0.75 2025-02-14 https://images.squarespace-cdn.com/content/v1/574b6f441d07c0e08564e424/3e93b207-4a1a-4c7d-b8ea-193cbaa84242/IMG_6259+-+cropped.jpg The team - Samuel Rees-Thomas Samuel Rees-Thomas is Director and Insurance Adviser at Rees-Thomas Financial. Following six years in banking, first with Westpac then Kiwibank, Sam then moved into insurance advice and launched Rees-Thomas Financial in 2014. Sam is based in Wellington with wife Julianne and two children. Sam is a Licensed Financial Adviser, regulated by the Financial Markets Authority. Find Sam on linkedIn Call Sam - +64273344812 Email Sam - samuel@rtfs.nz https://images.squarespace-cdn.com/content/v1/574b6f441d07c0e08564e424/8f1b213b-1c7d-4a12-bf1f-44c230bf92ee/IMG_6131+-+cropped.jpg The team - Isabella Cathcart Bella is our Office Manager and Adviser Assistant. She makes sure you have all the information you need regarding your insurance portfolio. If you're one of our clients, you can expect a friendly phone call or email from Bella when your policies are up for renewal. Call Bella - +64279531299 Email Bella - isabella@rtfs.nz https://images.squarespace-cdn.com/content/v1/574b6f441d07c0e08564e424/192d839b-5b12-49c7-bb1d-24af06cd972e/Headshot5+cropped.jpg The team - Jonny Gilling Jonny joined us in early 2022. His role is Executive Assistant - Adviser Support and provides direct support to Samuel in general client queries and medical underwriting matters. Known for his excellent customer service, and way with words, expect to hear from Jonny if you have a general policy query. Call Jonny – +64 4 488 1636 Email Jonny – jonathon@rtfs.nz https://images.squarespace-cdn.com/content/v1/574b6f441d07c0e08564e424/f50cb19e-75de-4b89-af45-82cd0d96f678/IMG_20201017_154230_Bokeh.jpg The team - Julianne Rees-Thomas Julianne is administrator and claims adviser at Rees-Thomas Financial. Drawing upon her 7 years experience as a Registered Nurse in Oncology and Hematology, Julianne’s medical expertise provides the team with a unique perspective on Life, Health, Trauma, Income Protection and Permanent Disability Insurance claims. Email - julianne@rtfs.nz https://www.rtfs.nz/testimonials daily 0.75 2021-04-26 https://images.squarespace-cdn.com/content/v1/574b6f441d07c0e08564e424/1619397473657-YUBOJY94FCLGJTSVJAHZ/Eric+Crampton.jpg Testimonials https://images.squarespace-cdn.com/content/v1/574b6f441d07c0e08564e424/1619397703326-7Y767TUDDID8OIDC4AHE/Kirsty+McTamney.PNG Testimonials https://images.squarespace-cdn.com/content/v1/574b6f441d07c0e08564e424/1619398202861-KO7TM5QB7VM7BZUXOF1I/Andrea+Fafeita.png Testimonials https://images.squarespace-cdn.com/content/v1/574b6f441d07c0e08564e424/1619397937489-TDUE29KD9ZUGICD46YIN/Bob+Bishop+.JPG Testimonials https://images.squarespace-cdn.com/content/v1/574b6f441d07c0e08564e424/1619398072521-RM6TME9P3QEF8OIEYZJW/Phil+Wysocki.png Testimonials https://images.squarespace-cdn.com/content/v1/574b6f441d07c0e08564e424/1619398041348-QWQ9XXX4C3NE3SKWNJ4K/Barnaby+Arnott.jpg Testimonials https://images.squarespace-cdn.com/content/v1/574b6f441d07c0e08564e424/1619398129603-CNDSICYW4L7R2UJFXEFR/Jay+Maaka.png Testimonials https://images.squarespace-cdn.com/content/v1/574b6f441d07c0e08564e424/1619398094102-PDFI6UMWQATPIESOD5FP/Gerard+Farry.jpg Testimonials https://www.rtfs.nz/contact daily 0.75 2021-09-17 https://www.rtfs.nz/general-and-emergency-contacts daily 0.75 2019-06-13 https://www.rtfs.nz/licensing daily 0.75 2023-07-26 https://images.squarespace-cdn.com/content/v1/574b6f441d07c0e08564e424/1619219792794-1T0VKVRBVO5WW5KSQ7OI/accuro+health+insurance+nz.png Licensing - Accuro Health Insurance https://images.squarespace-cdn.com/content/v1/574b6f441d07c0e08564e424/1619219793945-IPAHHSKR02DR2H93LKVU/1200px-AMP_Limited_%28logo%29.svg.png Licensing - AMP https://images.squarespace-cdn.com/content/v1/574b6f441d07c0e08564e424/1619219793895-HYDRY5BAA1YGKHVOFQ5S/AIA.png Licensing - AIA https://images.squarespace-cdn.com/content/v1/574b6f441d07c0e08564e424/1619219794442-E6BBN0VS5AIKVJO9VT5S/Asteron-Life-Limited-logo.png Licensing - Asteron Life https://images.squarespace-cdn.com/content/v1/574b6f441d07c0e08564e424/1619219794767-EV9Y2YH9RFB371QLXLO0/cigna-logo.png Licensing - Cigna https://images.squarespace-cdn.com/content/v1/574b6f441d07c0e08564e424/1619219794980-ABVBWYZ8N0IC7HH9Z0K7/Fidelity_Life_Logo-555x311.png Licensing - Fidelity Life https://images.squarespace-cdn.com/content/v1/574b6f441d07c0e08564e424/1619219795322-AFHLZM47Y5N1X1T8HODT/nib+health+insurance+nz.png Licensing - NIB https://images.squarespace-cdn.com/content/v1/574b6f441d07c0e08564e424/1619219795532-GTF063J0WRR51LZDVVHP/Partners+life.png Licensing - Partners Life https://images.squarespace-cdn.com/content/v1/574b6f441d07c0e08564e424/1619220504868-4HIAQ66UU24IBQN2V3MO/Commission+Disclosure.png Licensing https://www.rtfs.nz/corporates daily 0.75 2022-09-30 https://www.rtfs.nz/smes daily 0.75 2022-09-30 https://www.rtfs.nz/families daily 0.75 2021-11-23 https://www.rtfs.nz/individuals daily 0.75 2021-11-23 https://www.rtfs.nz/costs daily 0.75 2022-09-14 https://images.squarespace-cdn.com/content/v1/574b6f441d07c0e08564e424/30d335e0-2538-469a-8138-0cab33fe737c/Commission%2BDisclosure+smaller.png Costs - Make it stand out Commission is generally paid on a percentage of total API (Annual Premium Income), Less GST and policy fees.