Seth Rackham

Financial Adviser – Life, Health & Disability Insurance | KiwiSaver | Mortgages
Financial Service Provider Registration: FSP1007555

Seth is a qualified Financial Adviser specialising in Life, Health & Disability insurance, KiwiSaver, and residential mortgage lending, with a strong focus on helping clients make confident, well-informed decisions about protecting what matters most and building long-term financial security. He takes a practical, straight-talking approach – starting with understanding your situation first, then mapping out options that actually fit your goals and needs (no one-size-fits-all recommendations).

Seth is particularly passionate about helping people maximise the benefits of KiwiSaver, especially young families and first-home buyers who want to build long-term wealth and reduce financial stress. He believes KiwiSaver can be a powerful tool – not just for understanding compounding returns, but for giving people more clarity and control over their financial future. It can be a real perspective-shifter on how people think about financial well-being.

Seth provides advice across:

• Personal Insurance: Life, Trauma, Total & Permanent Disability (TPD), Income Protection, and Medical Insurance
• KiwiSaver: Helping clients understand fund choices, risk levels, and contribution strategies
• Mortgages: Residential home loans, refinancing, and lending solutions for first-home buyers and homeowners

Seth brings an approach to advice that keeps things transparent, cuts through jargon, and makes sure clients feel supported at every step. He holds the New Zealand Certificate in Financial Services (Level 5) – Insurance, Investment, and the Residential Lending strand.

Based in Papamoa, he enjoys making the most of the local beaches and fishing in summer, and heading to the mountains to snowboard in winter.

In addition to advising his own clients, Seth works closely alongside RSFA Director and senior adviser Rod Schubert, contributing to mortgage lending across the business and supporting complex lending scenarios to help deliver well-structured lending solutions for clients.

At RSFA, Seth is committed to delivering advice that’s tailored, easy to understand, and designed to genuinely improve your financial position – so you can feel prepared, protected, and confident about what’s ahead.