locals helping locals
we're passionate about helping marlborough people make great financial decisions. find out what makes us tick.
locals helping locals
we're passionate about helping marlborough people make great financial decisions. find out what makes us tick.
sorting out insurances, planning for your retirement or wondering what to do about KiwiSaver can be pretty mind-boggling.
That’s why we are here. In fact it is the very reason we get up every morning and jump behind our desks – because we love helping Marlborough people make decisions that will give them the ultimate peace of mind. From sorting out life insurance to saving for that dream retirement, we tailor our advice to your situation and unique needs.
Let’s talk. We want to get to know you, your situation and your goals so we can come back with stuff that gets you where you want to be. We'll help you with that goal-setting if that feels daunting – whether paying off the mortgage, funding an education for the kids, planning an extension on the house or even owning a boat. Everything is possible – we'll work out the best and quickest way for you to get there.
We are locals who love the Marlborough lifestyle and helping people make great financial decisions. When choosing an Adviser, it’s important that they know and understand your lifestyle, so because we probably live here for the same reasons you do – we are ideally placed to help you reach those financial goals.
ross frater
director & Authorised Financial Adviser
AFA, CFPCM, CLU, BBS(Mgmnt)
After nearly 30 years of helping people manage their money and insurances, Ross knows the value of good advice. While it’s never easy seeing clients deal with a health crisis or unexpected event, it’s nice to know that planning ahead can help reduce the financial pressure. When he’s not in the office you can find him out on the boat chasing blue cod in the stunning Marlborough Sounds, riding his mountain bike or playing guitar with Vintage Vibes dreaming of being the next Eric Clapton. With two young boys keeping him occupied, he knows life gets busy so give Ross a call and let him do the running around to sort out your insurances and savings.
Ross is qualified as an Authorised Financial Adviser, Certified Financial Planner (CM), Chartered Life Underwriter, holds a Bachelor in Business Studies (Management) and is a founding member of Financial Advice New Zealand holding the Trusted Adviser mark.
cordelia davies
office guru and administrator
Cordelia is the first person you will see and speak to when you contact us. She looks after the office, changes to your insurance policies, administration of KiwiSaver and keeps the team on their toes. Outside of work Cordelia is a busy mum to two teenagers and enjoys an occasional glass of Marlborough's finest wines.
vicky frater
adviser support
Vicky provides back office support for the team in addition to keeping Ross organised. When she is not working or looking after their two young boys Vicky is a very keen gardener and you will often find her at the local plant shops hunting out a bargain.
our friends
We love living and working in Marlborough and sharing the fantastic outdoors with our friends, families and clients. Core Advice are pleased to support like-minded community groups making a difference and getting things done locally.
kaipupu point
mainland wildlife sanctuary
A community project which aims to restore a 40 hectare 'mainland island' in Picton harbour, Kaipupu Wildlife Sanctuary offers amazing wildlife viewing, engaging school or group visits and volunteering opportunities. Only ten minutes from Picton, the Sanctuary can be accessed by private boat, water taxi or kayak.
Core Advice are proud supporters of Kaipupu Point through ongoing financial support and helping the pest monitoring program.
marlborough-nelson marine radio
Being keen boaties ourselves, we appreciate the vital role of the Marlborough-Nelson Marine Radio Association. The purpose of the Association is to provide safety through communication on VHF channels and assistance to the boating fraternity in central New Zealand.
Core Advice are pleased to provide ongoing financial support towards operator training expenses. Stay safe out there enjoying the stunning Marlborough Sounds and join the Association for added protection on the water.
blenheim business association
Blenheim’s central business district lies at the heart of Marlborough, the hub of the region. The Blenheim Business Association is a team of collaborative organisations working to ensure Blenheim continues to grow and thrive as a vibrant destination for both residents and visitors.
Core Advice are proud members and supporters of the Blenheim Business Association.
Financial Advice New Zealand
The most essential element of financial well being is quality financial advice. By helping advisers do what they do best, and helping more Kiwis access quality advice, Financial Advice New Zealand will help Kiwis be financially better off. Ross Frater is a proud member of Financial Advice New Zealand and a holder of the CFPCM and CLU qualifications.
our clients
We are fortunate to work with some fantastic clients who understand the value of good advice and local service and trust us to look after their needs. Here’s what some of them have to say:
Ross and Core Advice have become our essential partner when it comes to navigating the complex world of insuring our lives and insuring our income. As our needs have changed as our family has grown Ross has given us great guidance on how best to assess and manage our financial needs. It's important to have easy access to the team of professionals you need in life. To work with a Marlborough based provider has been perfect for us. We'd never change. Brian & Tricia Dawson - Owners of Gist Training & Communication
Ross Frater has been wonderful to work with during the process of buying shares in a business. He is very thorough and efficient with his professionalism always shining through. Once our insurance was in place he has kept in touch to make sure we have the best fit policy with the most competitive pricing available. As soon as my new baby arrived he was in touch to add him to our policy free of charge. I would highly recommend Ross! Alex Barton - partner Leslie & O’Donnell Chartered Accountants