Managing money can feel overwhelming — whether you're saving for a home in Auckland, preparing for retirement, or trying to juggle family expenses. That’s where financial planning comes in.
It’s not just for the wealthy — it’s a practical, step-by-step strategy that helps everyday New Zealanders make smart financial decisions and build long-term security.
Lets us help you achieve your financial goals.
Why Provincial Wealth?
Helping Build Financial Freedom in Greytown and Beyond
Proudly based in Greytown, Wairarapa, we’re a team of locals dedicated to supporting our community and the greater Wellington region on the path to financial independence and long-term wealth.
With more than 70 years of combined experience in the financial services industry, we bring deep expertise across a wide range of areas—including personal and business insurance, investment strategies, KiwiSaver, financial planning, cash flow management, and retirement planning. Our mission is to provide trusted advice and tailored solutions that help you secure a confident financial future.
When it comes time to make a claim, you’re not alone. We’re here to guide and support you through every step of the process—especially during what can be one of the most challenging and emotional times in your life.
Having navigated our own claims journeys, we truly understand the value of having someone by your side. Our role is to take the pressure off, handle the details, and let you focus on what matters most: your health, your family, and your recovery.
What to Expect When Working With Us
From the moment you connect with us, our goal is to understand your financial world and help you build a roadmap for the future.
Our process begins with a relaxed, in-depth conversation where we complete a financial fact-find. This helps us get a clear picture of where you are today—and where you’d like to be in 2, 5, 10 years and beyond.
Following this, we conduct thorough market research based on your goals and personal circumstances. In a follow-up meeting, we’ll present a tailored, easy-to-understand report outlining strategies designed to help you achieve your financial objectives. We’ll walk you through the options and next steps, so you feel confident moving forward.
After you have considered and decided on our advice, we will implement the recommendations you wish to proceed with.
Financial plans aren’t set-and-forget. Regular reviews are completed to ensure you stay on track to achieve your financial independence. If changes are needed, we’ll adjust together.
And along the way, we’ll keep you updated on any relevant changes to your insurance, investments, KiwiSaver made by the providers - so you’re always informed and in control.
Meet the Team
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Dave Lucas - Certified Financial Planner
FSP1003339
As the founder of Provincial Wealth, Dave began his financial advisory career in Auckland in 1981. In 2013, he relocated to the Wellington/Wairarapa region, where he has continued to assist clients with expert financial advice. Dave is a Certified Financial Planner with extensive experience across personal insurance, finance, investment, KiwiSaver, and business risk management.
Dave is a proud member of several respected associations:
Financial Advice NZ – Trusted Adviser and Certified Financial Planner
The Million Dollar Round Table (USA) – Life Member
Outside of work, Dave enjoys staying fit through cycling and running, traveling the globe, and spending quality time with his friends, family, his partner Heather, and their cherished dog, Lily.You can find Dave’s disclosure statement here
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Cynthia Owens - Risk Management Specialist
FSP65221
Cynthia is a local adviser with over 20 years of experience. Whether you have a family, a home, an investment property, or a business that needs protection, Cynthia is the expert you can rely on. With her extensive network and strong relationships, she’ll help you find the perfect insurance package tailored to your needs.Here’s how Cynthia can assist you:
Assess your needs and financial situation, then recommend competitive insurance options.
Create a tailored personal or business risk insurance plan that suits your specific circumstances.
Provide ongoing support and advice, ensuring your plan remains relevant and works for you, especially when you need it most—at claim time.Outside of work, Cynthia is a passionate sports fan who enjoys spending time with her family and friends and loves to travel whenever she can.
You can find Cynthia’s disclosure statement here -
Samantha Coburn - General Insurance Specialist / Office Manager
FSP1011583
Sam is Provincial Wealth’s go‑to General Insurance Specialist, bringing over 10 years of insurer‑side experience to her role. She began her career with Sovereign Assurance (now AIA) in Auckland, working in existing business and gaining experience across underwriting and health claims before relocating to the Wairarapa with her family in 2017.
Before joining Provincial Wealth, Sam worked as a Product Advisor with a Wellington‑based insurance provider, supporting clients to understand their cover and get the most from their insurance. She has experience across life and health insurance and brings a practical understanding of policy detail and claims.
Outside of work, Sam enjoys spending time in her garden, visiting local craft shops, and spending time with her family, friends, and her husband Cory.
You can find Sam’s disclosure statement here