Scenario Financial advice product or solution(s) Reasoning behind selected solution able to assist and/or would be involved? Sonya has finished university Enrol in a KiwiSaver Employer and government contributions help the Financial adviser and is now working full time Scheme balance to grow Her employer, with and wants to know the best Wide range of investment options so can choose one enrolment way to save for a deposit on based on risk profile and time frame in which wants to KiwiSaver Scheme her first house. buy a house. provider Locked-in so cannot be used for other things Inland Revenue, to First home deposit subsidy can help towards deposit ensure the correct PIR after number of years of membership rate and to receive May qualify for Welcome home loan subject to meeting funds for on payment terms and conditions. to KiwiSaver Scheme provider. Sally has recently bought her first home. She has taken out a mortgage. She has no insurance cover. She wants to protect her house and ensure she can cover her mortgage