Ray Sheath - NZCFS L5 LDHI/RPL
Financial Adviser (FSP172944)
0274 98 66 99

Ray is one of those people you can instantly relate to, and you will find he is an extremely motivated individual who has vast and diverse life experience to draw from. Twenty-two years of front-line service in the NZ Police rising to rank of Sergeant, and two Queens Commendations for bravery can certainly attest to this!

Ray has the insight and empathy to ask the difficult questions when required which will result in a thorough fact find and needs analysis to assess his clients personal and/or business situations. Ray can advise all his clients on ways of spreading the risk across multiple areas, sometimes saving many thousands of dollars!

This gives Ray's clients the confidence to trust in the customised solutions that Ray has recommended to meet their needs into the future and at claims time.


  • With Insurance Link Ray won 2018/19/20 Specialist Insurance Advisor of the Year Winner
  • 2018/19/20 Specialist Insurance Team of the Year – Essential Insurances
  • Ray won the award of “2012 High Flyer of the Year” for the largest business growth in the group.
  • Ray has been the recipient of the 2013-2014, 2014-2015 2015-2016, 2016-2017, 2017-2018 Elite Plus Production Award.
  • In 2014-2015, 2016-2017 the team at Essential Insurances also won a Team Production award.


Married to Rhonda, they have 3 adult children, a ragdoll called Toast and 2 German Shepherds Nino and Tanzi. A UCI level 2 coach, Ray loves helping athletes achieve their potential and this passion forms the foundation of what he can do for you. For relaxation Ray loves to play Golf, you could find him at the driving range most days. Ray also plays competitive table tennis.