Dave has acted for my wife and I regarding a Kiwisaver account and life/ income protection insurance. We had a life insurance policy through a provider we did not choose when we built our home. A while later we realised that we were not adequately covered and wanted independent advice from someone not connected with any particular lender. We were fortunate to meet up with Dave who could offer us a variety of policies and recommend the best for our circumstances. He is thorough and understands all the detail and this made the whole process simple. I subsequently needed a Kiwisaver account and discovered this is also an area Dave has excellent experience. RMA are a great team and I have no hesitation recommending their service.