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KiwiSaver: What Actually Happens at 65?

For many Kiwis, turning 65 feels like a milestone. It’s the age when KiwiSaver “kicks in” and retirement suddenly becomes very real.

A New Era in Rural Insurance for New Zealand Farmers

For more than three decades, rural insurance in New Zealand has been largely shaped by a single provider. While this has delivered consistency, it…

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Privacy Preference Center

Privacy Preferences

Lily Lee (FSP107024)

Financial Adviser – Life & Medical

With my more than 20-years’ experience in the industry my approach is to provide my clients with the best advice to meet their personal, family and business needs. My passion is to use my expertise to help and protect their family and business and provide peace of mind.

lilylee@penberthy.co.nz
09 924 1769
027 486 0008

Read my Disclosure Statement

Candy Esguerra (FSP1013299)

Broker Support Fire & General

Think of me as your go-to person for all insurance related things. I am here to chat with you to understand exactly what you need to find the right cover and make sure there are no gaps that could cause issues later. And if you ever must make a claim, I will be here to make things go stress free as possible, updating you every step of the way.

candyesguerra@penberthy.co.nz
09 924 1723

Read my Disclosure Statement

Ngaire Gale

Claims Specialist – Fire & General

I enjoy helping clients navigate the claims process from lodgement to settlement, providing guidance, reassurance, and regular updates along the way. My goal is to make what can be a stressful experience as smooth and straightforward as possible by delivering professional, approachable service every step of the way.

ngairegale@penberthy.co.nz
09 924 1711

Dean Wolley (FSP 555687)

Financial Adviser – Life & Medical

As a specialist in life, health and disability insurance, I enjoy helping people put the right protection in place to safeguard their lifestyle. My approach is simple – I take the time to get to know my clients and understand their financial position so I can recommend an insurance solution tailored to their needs. I believe it’s important that clients understand how their cover works, so I focus on explaining things clearly and in plain language.

Talk to Dean today for a tailored solution to your business or personal needs.

deanwolley@penberthy.co.nz
09 924 1699
022 045 6878

Read my Disclosure Statement

Courtney Huntingford

Reception / Office Administrator

I’m the first person you’ll meet when you arrive, and I’m here to make your visit as smooth and welcoming as possible. I handle calls, appointments, and day-to-day front-desk tasks to keep everything running nicely. If you need help, have a question, or just need pointing in the right direction, I’m always happy to assist.

reception@penberthy.co.nz
09 486 1175

Aniket Joshi

Finance Administrator

As a Finance Administrator, I keep the company’s finances running smoothly, handling transactions and keeping records accurate and up to date. A big part of my role is managing data across systems, checking for any discrepancies, and supporting the team with the admin side of things, all to make sure our financial processes stay on track. I value reliability, integrity and accuracy.

accounts@penberthy.co.nz
09 924 1723

Richard Livingston

Head of Fire & General

I support the development of our Fire & General Brokers, Broker Supports and Claims to consistently deliver better outcomes for all parties. Whether it’s improving by 1% at a time or making more significant strides, my goal, as part of a client-focussed business, is to help our brokers and support team enhance the client experience with every interaction.

richardlivingston@penberthy.co.nz
09 924 1705
021 498 750

Elaine Miranda (FSP1006465)

Domestic Broker – Fire & General

My role is to help individuals, families, and businesses find the right insurance coverage to protect what matters most. I take time to understand your unique needs and offer clear, tailored solutions—whether it’s for your home, car, business, or life. I’m here not just to sell insurance, but to build lasting relationships and to make the process easy, transparent, and stress-free. You can count on me for honest advice, responsive service, and a commitment to your peace of mind.

elainemiranda@penberthy.co.nz
09 924 1749
021 245 3431

Read my Disclosure Statement

Richard Penberthy (FSP77783)

Principal Commercial Broker

Every day I work with our clients and team to find effective solutions that provide protection and continuity to our client’s businesses. I enjoy being able to analyse a situation and identify the relevant points and then communicate these in a way that can be useful. Teamwork is so important and having high expectations is something that I strongly believe in. Doing the 1% things well does add up and makes a difference. My leadership style is based around a combination of strong and sensitive values with a lead by example mentality that was drummed into me by my Mum and Dad.

Talk to Richard today for a tailored solution to your business or personal needs.

richard@penberthy.co.nz
09 924 1720
021 702 875

Read my Disclosure Statement

Janine Joyce

Adviser Support – Life & Medical New Business

I support our advisers by gathering key information to prepare tailored quotes and comparisons from various providers. This helps ensure the adviser can offer solutions that best fit each client’s financial needs and personal circumstances. I also assist with completing applications and take the time to understand what’s most important to our clients, helping make the process as smooth and personalised as possible.

janine@penberthy.co.nz
09 283 0818
022 164 1753

Toni Taylor

Broker Support Fire and General

As part of the Penberthy team, my role is to assist the Financial Advisors in ensuring the correct client risk information is captured so we can provide the policies that best suit your needs and provide Peace of Mind.

toni@penberthy.co.nz
09 924 1711

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Jackie de Bruin

Office Administator

I am the friendly face and voice that greets you when you call or visit Penberthy Insurance. I will make you feel welcome by offering you a tea/coffee and connecting you with the person that you wish to see. I am able to handle initial client queries and requests adeptly.

jackied@penberthy.co.nz
09 486 1175

Lillian Strugnell

Accounts Administator

My job entails providing accounts administration services and support to our General Manager and Directors. I provide assistance to our Fire & General team when our clients want to pay their premiums by monthly instalments via our premium funding company Cornwall Funding Limited, which is one of many premium funding companies.

lillian@penberthy.co.nz
09 924 1723

Loraine Carson (FSP1011902)

Broker Support Fire and General

I’ve worked in the insurance industry for the best part of 18 years. I utilise my experience and knowledge in my role as broker support, offering the best possible service to our clients, serving them in a professional manner. It is my mission to roll away any obstacles and solve issues in a timely and fair manner, Treating our clients with the respect and dignity they deserve while upholding honesty and integrity in everything I do.

loraine@penberthy.co.nz
09 924 1775

Read my Disclosure Statement

Anne-Marie Venter

Claims Technician
Fire & General

I’ve previously worked at an accounting firm, and also at a financial company. I am very client focused, and will always provide the best service possible. I believe in kindness, honesty and respect at all times.

anne-marie@penberthy.co.nz
09 924 1717
022 431 8865

Carole Billing

Broker Support Fire and General

With a genuine passion for the world of insurance, Carole plays a crucial role in assisting our Director and Commercial Broker Richard Penberthy. She diligently supports Richard, streamlining his process by efficiently gathering renewal details and managing his appointment schedule.

Caroles passion for insurance sees her also lending a helping hand to the broader Fire & General team, providing valuable assistance with renewals and general information queries whenever needed.

carole@penberthy.co.nz
09 924 1715

Judy Wedgwood

Adviser Support – Life & Medical Client Services

With 36 years of experience in the industry I am one of the first people that will reach out to you regarding your Life & Medical Insurance. Whether you are a fresh face to Penberthy or if your policy is coming up for a review, I will be at the other end organising for one of our Financial Advisers to meet with you, ensuring great service.

judy@penberthy.co.nz
09 924 1704

Trudy Kirifi Soloi

Claims Manager

As a Claims Manager, I provide leadership and oversight across the claims process, ensuring our clients receive consistent, fair, and well-managed outcomes. I work closely with both clients and internal teams to guide the direction of claims, support complex decision-making, and ensure technical accuracy and clear communication at every stage. I understand that claims can be a stressful time, which is why I remain focused on delivering a smooth, transparent, and supportive experience from lodgement through to resolution. My role is to ensure claims are managed efficiently, fairly, and in line with policy outcomes, while maintaining strong advocacy for our clients. Whether working directly with clients or supporting the team behind the scenes, I am committed to achieving the right outcome through clarity, accountability, and a solutions-focused approach.

trudy@penberthy.co.nz
09 924 1703
021 606 839

Nidhi Tiwari (FSP1009391)

Financial Adviser Support
Fire & General – Business & Domestic

My role is to assist the Financial Advisers in gathering client information, prepare insurance policy documents, and process applications. I also conduct research on insurance products and handle various administrative tasks to help the Advisers make informed recommendations to clients. I ensure smooth operations, deliver excellent client service and help resolve any queries.

nidhi@penberthy.co.nz
09 924 1711

Dewaal Botha (FSP1009203)

Business and Domestic Broker – Fire & General

As a Business and Domestic Adviser at Penberthy Insurance, I am dedicated to delivering reliable, insightful, and current Fire & General insurance guidance, ensuring our clients experience confidence, peace of mind, and trust in our services. I assist with terms and proposals that fits the client’s personal needs and budgets.

dewaal@penberthy.co.nz
09 924 1721
021 191 8446

Read my Disclosure Statement

Milada de Villiers (FSP1009077)

Financial Adviser Support – Claims & Policy Servicing Specialist

I am the link between our clients, the Advisers here at Penberthy Insurance and the Insurance Company they have their cover with. I am here to assist with any admin related queries.

milada@penberthy.co.nz
09 924 1773
021 606 003

Read my Disclosure Statement

Ann Barton (FSP1009072)

Adviser Support – Life & Medical New Business

My role is to work with the Insurers and the Advisers to get the best outcome for you so if anything happens to you, your family will be protected. There is nothing better than knowing when life happens, our clients are well protected.

ann@penberthy.co.nz
09 924 1770
022 164 1753

Read my Disclosure Statement

Shirina Falk (FSP1007191)

Broker Support Fire and General

As part of the Penberthy team, my role is to assist the Financial Advisers with your insurance requirements and to ensure your requests are processed in a timely and efficient manner.

Working with your best interests is at the heart of what we do, and we will always put you, our client, first.

shirina@penberthy.co.nz
09 924 1778

Read my Disclosure Statement

Ilan Wisenberg (FSP 737811)

Commercial Broker – Fire & General

I am an expert in helping you put the right insurance protections in place for your business, so that you can have peace of mind that you are covered.

With over 18 years’ experience in the Insurance Industry, I can provide advice on a broad range of insurance products to help find solutions that best meet your coverage needs. As my client, you can have the confidence that I am always dedicated to help you.

ilan@penberthy.co.nz
09 924 1768
021 435 783

Read my Disclosure Statement

Kendall Edwards (FSP1005909)

Adviser Support – Mortgage Broking

Whether you are buying a new home, an investment property or refinancing I am here to help provide assistance with your mortgage and explore the best options available to you. I love saving client’s time and alleviating their stress by doing the negotiating with banks on their behalf. By keeping them fully informed at every stage of the process they know they are well supported and that we’ve got their backs.

mortgages@penberthy.co.nz
09 924 1779

Read my Disclosure Statement

Rachel Musso (FSP194665)

Business and Domestic Broker – Fire & General

My job is to assist our Financial Advisers in helping our valued clients to make sure they have the right insurance to meet their needs. I work with the Financial Advisers to ensure that when clients contact us, they are exceptionally well looked after in an efficient and timely way.

rachel@penberthy.co.nz
09 924 1713
021 771 356

Read my Disclosure Statement

Tania Nel (FSP762215)

Financial Adviser
Employee Benefits

In my role as a Financial Adviser in the Life and Medical Insurance team, I strive to help people secure their financial future and ensure their families are protected. I focus on educating clients about their coverage and the financial risks they may face without it. I am always available and responsive to clients, providing support and guidance whenever needed to help them achieve their financial objectives.

tania@penberthy.co.nz
09 924 1698
021 955 659

Read my Disclosure Statement

Jonathan (Jon) Anglesey (FSP661211)

Broker Support Fire and General

I provide assistance to our Fire & General Advisers in assisting them with insurance renewals, obtaining options for your insurance needs and dealing with your general enquiries. I also work with the Advisers to ensure we provide the best outcome for our clients.

jon@penberthy.co.nz
09 924 1718

Read my Disclosure Statement

Nastassia D’Angelo (FSP1000213)

Financial Adviser – Life & Medical

With over 20 years in the financial services industry I play a crucial role by helping families, young professionals and businesses make informed decisions about their insurance needs. Whether that’s protecting their income or ability to work or their family’s lifestyle and assets. I evaluate their financial situation and goals, and make recommendations on Life, Trauma, Income Replacement or Medical Insurance aligned to their needs.

nastassia@penberthy.co.nz
09 924 1708
021 771 905

Read my Disclosure Statement

Deborah Preston (FSP1000214)

Claims Specialist – Life & Medical

I look after the claims for the Life & Medical division of Penberthy. I love supporting our clients in what can be challenging times to achieve good outcomes. I am relentless at claim time and work closely with the insurers on your behalf to get the best possible outcome on your claims.

deborah@penberthy.co.nz
09 924 1706
021 606 003

Read my Disclosure Statement

Michael Barrett (FSP1004578)

Commercial Broker – Fire & General

I understand first-hand the complexity and stresses that come with owning and managing a business. I specialise in helping businesses understand potential risks and navigate the insurance space, by arranging the right insurance solutions to address your business needs. By thoroughly learning about your business and needs I can identify the pain points and establish strong roots to build a lasting and beneficial partnership as your business grows.

michael@penberthy.co.nz
09 924 1774
021 771 817

Read my Disclosure Statement

Magda Dabkowska (FSP371886)

Account Executive – Employee Benefits

I implement and manage group insurance. Motivated by providing exceptional client service, my focus is on helping businesses to ensure that their employees are happy, loyal and productive and that retention rates are high. By tailoring attractive employee benefits I can help you build and retain a higher performing team.

magda@penberthy.co.nz
09 924 1772
021 192 7472

Read my Disclosure Statement

Regan Hudson (FSP77721)

Commercial Broker – REIS Scheme Specialist

I specialise in arranging business and personal insurance that is fit for your requirements so that in the event of a loss, your assets are adequately protected. I also advocate for you at claim time to ensure the best possible outcome. In addition, I manage Real Estate Insurance Services, which offers a Professional Risks Package and Commercial Motor Vehicle insurance scheme that is tailored for Real Estate Agents, Property Managers, and Licenced Auctioneers. I believe in building strong relationships with my clients so that I can better understand your insurance needs and provide the most robust advice and recommendations.

regan@penberthy.co.nz
09 924 1725
021 244 4593

Read my Disclosure Statement

Shane Reilly (FSP77706)

Domestic Broker – Fire & General

I am able to assist you with your domestic insurance requirements – be it for the new house you have purchased, the vehicle you have traded in or the boat you have invested in. Or maybe you have a rural property and are not sure what insurance you require. Let me assist you with the best advice and support.

shane@penberthy.co.nz
09 924 1702
021 522 084

Read my Disclosure Statement

Isabel Borok (FSP615529)

Business and Domestic Broker – Fire & General

I am here to help you with your business and domestic insurance requirements. I will provide you with options, guidance and recommendations on your insurance needs. Together we will work through your insurance needs to secure the right insurance covers for you.

isabel@penberthy.co.nz
09 924 1722
021 771 136

John Ah Kuoi (FSP103944)

Financial Adviser – Life & Medical

I am here to assist you with your Life and Medical insurance needs. I bring my expertise to the table to help inform and advise you on how to best protect your family and financial situation, giving you peace of mind, so you can live your life to the fullest, knowing what matters most is being taken care of.

johnak@penberthy.co.nz
09 924 1701
021 931 449

Read my Disclosure Statement

Jennifer Ryan (FSP469586)

Commercial Broker – Fire & General

I specialise in arranging insurance for your business and am able to take care of your domestic insurance needs as well. I will help you understand what insurances you have and how they work for you. I am here to simplify the insurance process for you and let you know that I am here to help you and answer any questions you may have. Being in business can be stressful and sometimes you just need someone to talk to and have a laugh with. The more I know about you and your business, the more I can help and advise you.

jennifer@penberthy.co.nz
09 924 1716
021 925 359

Read my Disclosure Statement

Francesca Third (FSP769573)

Head of Life, Medical & Mortgages

I manage and oversee the day-to-day operations for the Life, Medical and Mortgage Division, ensuring that the team is working towards creating the best experience and service for our clients. We believe in cultivating meaningful and enduring partnerships with our clients and that takes time and care. By doing so, we can live up to our client commitment to always being ‘beside you, every step of the way.’

francesca@penberthy.co.nz
09 924 1719
021 986 802

Read my Personal and Business Disclosure Statement

Read my Mortgage Disclosure Statement

Monique Groenewald

Head of People & Operations

As the Head of People & Operations at Penberthy Insurance, I am responsible for driving organisational performance through strong people leadership and operational excellence. My focus is on aligning our people, culture, and processes to support sustainable growth and deliver the best outcomes for our clients and team. I work closely with our leadership team to implement strategic initiatives that enhance efficiency, build capability, and create a high-performing, engaged workplace. With a practical and solutions-focused approach, I bring together HR best practice and operational insight to ensure our business runs effectively and continues to evolve. I am passionate about fostering a positive and inclusive culture, supporting leadership development, and ensuring our people have the tools and environment they need to succeed. Continuous improvement is at the core of how I work, and I am committed to delivering outcomes that support both our people and the long-term success of Penberthy Insurance.

monique@penberthy.co.nz
09 924 1771
021 124 8891

Jeanette Penberthy (FSP77741)

Executive General Manager

I am passionate about insurance as it provides security for one’s family and business. This passion led me into my current role, as I believe compliance enhances consistency in values, policies and conduct which ensures our Advisers provide great client service and care over what matters most to them.

jeanette@penberthy.co.nz
09 924 1707
021 322 981

Read my Disclosure Statement

Mark Penberthy (FSP403066)

Managing Director

I thrive helping people. It’s a privilege every day to work with our clients. I enjoy getting to know them well and helping them find insurance and mortgage solutions to best fit their lifestyle and financial situation. My focussed leadership over our team ensures we all work seamlessly to contribute to better outcomes.

Talk to Mark today for a tailored solution to your business or personal needs.

mark@penberthy.co.nz
09 924 1712
021 771 906

Read my Life Disclosure Statement

Read my Mortgage Disclosure Statement

John Penberthy (FSP77783)

Director

My approach is to provide my clients with advice that is simple and meets all their requirements. I work hard with Insurers to create win-win outcomes and I take the time to work on the business to improve processes and develop our people to ensure we continue to offer the highest level of service and advice to our valued clients.

Talk to John today for a tailored solution to your business or personal needs.

john@penberthy.co.nz
09 924 1709
021 404 567

Read my Disclosure Statement

Richard Penberthy (FSP77783)

Managing Director

Every day I work with our clients and team to find effective solutions that provide protection and continuity to our client’s businesses. I enjoy being able to analyse a situation and identify the relevant points and then communicate these in a way that can be useful. Teamwork is so important and having high expectations is something that I strongly believe in. Doing the 1% things well does add up and makes a difference. My leadership style is based around a combination of strong and sensitive values with a lead by example mentality that was drummed into me by my Mum and Dad.

Talk to Richard today for a tailored solution to your business or personal needs.

richard@penberthy.co.nz
09 924 1720
021 702 875

Read my Disclosure Statement