The Team
Who We Are
Mike McCarthy
Founder & CEO
I have been working as an Insurance Adviser since 2013, helping individuals and families find cover that truly fits their needs. I focus on education, taking the time to explain insurance so clients can make confident, informed decisions. Whether it is life, health, income protection, or KiwiSaver investment advice, my aim is always to ensure the cover is tailored and relevant.
To meet the legal requirements for financial and KiwiSaver investment advice in New Zealand, I completed the New Zealand Certificate in Financial Services (Level 5) (Investment). With this qualification and over a decade of experience, I offer clear, practical advice backed by industry knowledge. I make complex financial matters simple and approachable.
Outside of work, I am active in my community through the Takapuna Cricket Club, where I was honoured to receive NZ Cricket’s Volunteer of the Year award in 2017. Giving back is important to me, both through volunteering and by supporting clients so they feel understood and confident about their financial protection.
021 364848
Jenny Ritsma
Financial Adviser
My career in insurance began in 1998 and spans both General and Life Insurance. I have worked across claims management, loss adjusting, customer service, complaints resolution and advisory roles, giving me a broad understanding of how insurance works – particularly when clients need it most.
My experience has reinforced how important the right advice and cover can be during life’s most challenging times. For me, providing insurance advice is personal. I genuinely enjoy getting to know my clients, understanding what matters to them and building relationships based on trust. I take the time to understand your individual circumstances, providing detailed, considered advice and ongoing support when you need it most.
I hold three diplomas in Loss Adjusting, General Claims Management and Commercial Claims Management, and have completed the New Zealand Certificate in Financial Services (Level 5), meeting the competency requirements to provide regulated financial advice in New Zealand.
021 622 546
Daralyn Charleton
Financial Adviser
I bring a background in insurance, telecommunications, and finance, supported by a BA in Sociology, a Masters in Business in Management, and a Financial Services Level 5 qualification. My career has always centred on people management and customer satisfaction. I’m passionate about financial literacy making advice clear, practical, and easy to act on.
021 222 8747
Carmen Bradstreet
Financial Adviser
I have am a financial services professional with over 10 years’ experience in New Zealand’s advice sector. I hold a Bachelor of Business Analysis (Finance) and the NZ Certificate in Financial Services (Level 5). Known for simplifying complex concepts, I help clients make confident financial decisions.
I also served as Chairperson of Trikafta for Kiwis, advocating for patient access to essential medication - an experience that strengthened her passion for guiding people through life and health choices.
027 340 3463
