Meet Nik Trainin, Financial Adviser
Straightforward, practical advice that puts your circumstances before any product.
Nik focuses on the bigger picture, providing personalised advice on life insurance, income protection, health insurance, KiwiSaver and investments. His approach is centred on understanding each client’s individual circumstances, goals and priorities before exploring solutions that suit their needs.
Nik believes financial advice should be straightforward, practical and easy to understand. Rather than focusing solely on products, he takes the time to build genuine relationships with his clients, helping them make confident decisions through different stages of life. For Nik, financial advice is about more than numbers: it’s about helping people achieve their goals, look after their families and enjoy the life they’re working hard to build.
Outside of work
Outside of financial services, Nik has a strong passion for health, fitness and personal development. With a background in personal training and basketball coaching, he enjoys helping others improve their physical wellbeing, build confidence and reach their potential. He’s also passionate about mentoring young people and giving back to the community.
These days, you’re more likely to find Nik on the golf course than in a gym. He enjoys spending time at the beach during summer and heading to the mountains for snowboarding in winter. Outside of work, he values staying active, spending quality time with family and friends, and being involved in his local community.
Nik is also actively involved in his local church community and has a heart for supporting charitable initiatives, particularly those helping people facing hardship. He believes in using his experience, relationships and skills to make a positive difference in the lives of others.
Advice That Protects What You’re Building
Cover and KiwiSaver advice built around your circumstances, goals and priorities.
Life Cover
A lump sum for your family if you die or are diagnosed with a terminal illness.
Learn moreIncome Protection
A monthly benefit if illness or injury stops you working.
Learn moreMortgage Protection
Helps keep your home loan repayments covered when you can’t work.
Learn moreTrauma & TPD Cover
A lump sum after a serious illness or permanent disability.
Learn moreHealth Insurance
Private specialists, tests and surgery without the public waiting list.
Learn moreKiwiSaver Advice
The right fund and contribution rate for your first home or retirement.
Learn moreHow Does Nik Work Through Your Insurance Advice?
Insurance advice should start with your needs, goals, responsibilities, and financial position, not with a product.
Nik works through what matters most, what could create serious financial pressure, and what options may help manage those risks.
Understand Your Situation
We look at:
Clarify What Matters Most
We talk through what you would want protected if something went wrong. This may include:
Identify The Main Risks
We look at the events that could create the biggest financial impact. This may include:
Consider The Options
Before looking at insurance, we consider what else may already be available. This may include:
Insurance is only one part of the discussion.
Compare And Structure The Cover
If insurance is appropriate, we compare available options and explain how they work. This may include:
The focus is matching the structure to your needs, goals, and budget.
Apply, Review And Support At Claim Time
If you decide to apply, Nik helps prepare the application and supporting information. Nothing is submitted to an insurer without your approval.
Once cover is in place, it should be reviewed when life changes. If you need to claim, Nik can help you understand the claim process and what information may be required. The insurer still assesses the claim under the policy wording.
Where is Nik based and who does he work with?
Nik is based on Auckland’s North Shore and works with clients across Auckland. Appointments can be in person, by phone or by video, whichever suits you.
What does Nik advise on?
Life cover, income protection, mortgage protection, trauma and TPD cover, health insurance and KiwiSaver. He also helps clients think about investments as part of the bigger picture.
Do I need to have a mortgage with Sarah to work with Nik?
No. Many clients come to Nik for insurance or KiwiSaver advice on its own. If you are also arranging a home loan, Sarah and Nik work together so your cover lines up with your lending.
What happens at the first meeting?
Nik takes the time to understand your circumstances, goals and priorities first. Only then does he look at options, explain how they work and recommend what suits your needs. Nothing is submitted to an insurer or provider without your approval.
Ready To Protect What Matters Most?
Book a free chat with Nik. The first conversation is about understanding your situation, not selling you a policy.