Smart, Savvy Financial Solutions
Smarter Finance
Smarter Protection
Smarter Education
Welcome to The Smart Advice Collective - Sarah, Rachael and Carrie have more than 45 years of financial experience between them and would love to help you.
We share the same core values with a candid and straightforward approach, and most importantly, a shared passion for helping others.
Our mission is clear: to simplify your life.
Whether it's securing your dream home, making wise investments, or protecting your family and assets, we are dedicated to assisting you. And if we can save you a significant amount of money along the way—that's a win for everyone!
You always know where you stand with us - genuine, honest advice, even if the truth hurts. We approach helping our clients just like we would our own family members.
We’re committed to guiding you in making informed mortgage and insurance decisions—because great advice should always be simple, direct, and free from stress.
ABOUT RACHAEL
Smarter Mortgages
Hi, I’m Rachael – the Smarter Mortgage Lady since 2013 and I love helping people into their own place to call home. I believe everyone deserves the chance to pay off their mortgage faster, without sacrificing their lifestyle.
Using a unique process, I assist you to structure your mortgage creating flexibility of early repayment and certainty of cost, helping you reach your financial goals, as a smarter mortgage saves you time and money.
Our team has helped thousands achieve financial certainty, and we’re ready to do the same for you. In just minutes, I can assist you to save on interest, use your equity to grow your property portfolio, or get into your first place to call home.
Are you ready to create your smarter mortgage today? Connect with me to get started!
ABOUT SARAH
Smarter Personal Insurance, Kiwisaver & Investing
Hi! I’m Sarah Cavanagh, your personal insurance and investment expert in New Zealand since 1996. I specialise in providing tailored solutions for women and families, helping you secure the best terms for your unique needs. My goal is to give you real peace of mind that your family, your income, and your financial future are fully protected.
With decades of expertise, I provide personalised guidance across life, trauma, and health insurance, as well as KiwiSaver and investment strategies. Whether you’re protecting your mortgage or building long-term wealth, I’ll help you make informed decisions that align with your values. I’m passionate about stripping away the jargon to ensure your money works as hard as you do.
I am dedicated to empowering you with independent, client-first advice to secure your future and provide lasting financial certainty. You can trust my expertise to keep you on track as life evolves.
ABOUT CARRIE
Smarter General & Commercial Insurance
Hi, I'm Carrie. With over 15 years in customer service and a background working with the Earthquake Commission, I bring empathy, resilience, and expertise to fire and general insurance.
As a proud member of the LGBTQ+ community, my mission is to create a safe, inclusive space and build a relationship with you based on trust and respect, not just policies.
My approach is refreshingly personal: I am committed to simplifying the process, understanding your unique needs, and providing reliable, tailored solutions for your personal or business coverage.
My goal is to be your trusted partner—someone who hears you, values who you are, and is truly there when it matters.
Join the Smart Girls Club
We believe in the power of community and sharing knowledge. Join our events, workshops, and initiatives designed to empower women in Auckland, connect with like-minded individuals, access valuable resources, and stay informed about the latest finance and insurance insights tailored to women's needs.
Clients we've helped make smarter financial decisions
Expert financial advice & personal support
"I’ve used The Smart Advice Collective for both my mortgage and insurance, and I couldn’t be happier with the experience. As a woman in my 40s who owns a business and a home, it’s so important to me to get advice from other women who genuinely understand and want to support financial independence.
Sarah and Rachael have been amazing, not only providing expert financial guidance, but also personal support that made me feel truly empowered. I love working with strong women who lift other women up, and I’m so grateful for the help they’ve given me. I highly recommend them!"
KELLY MELVIN
