About Us

At The Smart Advice Collective, our mission is simple:

To simplify your life with smart, savvy financial solutions.

Whether you’re planning to buy your first home, protect your loved ones, or get smarter about your finances, we’re here to make the process easier, clearer, and more empowering.

Meet our friendly team below — we’re ready to assist you in any way we can and guide you toward financial choices that truly work for you.

Our Team

SMARTER INSURANCE

Sarah Cavanagh

Hi! I’m Sarah, your personal insurance expert in New Zealand since 1996. I work with women and families to find the right cover—life, trauma, health, mortgage, income, disability, and general insurance—with clarity and confidence. With my knowledge and expertise I’m here to make insurance simple, personal, and effective, helping you protect what matters most.

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SMARTER MORTGAGES

Rachael Thompson

Hi, I’m Rachael, the Smarter Mortgage Lady since 2013. I love helping people find a place to call home and believe everyone deserves the chance to pay off their mortgage faster without sacrificing lifestyle. With a structured approach that gives you flexibility and certainty, I help clients reach their financial goals. Whether you’re a first-home buyer or a property investor, I’d love to help you save time, money, and stress.

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CLIENT SUPPORT & ADMIN

Hyna Gumba

Hi, I’m Hyna, the admin behind the scenes at The Smart Advice Collective. I support Sarah and Rachael by keeping our operations running smoothly and efficiently. My goal is to create a welcoming and organised environment so they can focus on delivering exceptional advice and support to our clients.
Whether you're reaching out for the first time or are a long-time client, I'm here to help make your experience stress-free.

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Ready to Build Your Future as an Insurance or Mortgage Adviser?

Join us and become part of a forward-thinking collective that genuinely puts your independence and success first. Explore the opportunity to become part of our growing team.

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Proud to Support Women’s Refuge NZ

We believe in backing women not only through great financial advice but through real-world support too.
That’s why we make a cash donation to Women’s Refuge New Zealand for every new client who engages with us.

We're also proud to support the Shielded Site project, helping those affected by domestic violence access help safely. You’ll find a link in the footer of this website for anyone who may need it.