There are accidents and there are "accidents"

An excerpt from Risk: A Practical Guide for Deciding What's Really Safe and What's Really Dangerous, by David Ropeik and George Gray:

The 'A' word, accidents, is somewhat controversial in the field of injury prevention. Many experts are happy that the word accidents implies that these events are a matter of fate, that they are nobody's fault, and that there's nothing we can do about them. They worry that such an attitude leaves us resigned to accidents, instead of looking for ways to prevent them.

For example, in relation to motor vehicle "accidents":

many police organisations no longer use the word accident, preferring the word crash. They contend that no crash occurs that might not have been somehow avoided, and that therefore the word accident is inaccurate. 

Sonnie Bailey

Sonnie is the founder and principal of Fairhaven Wealth.

Before founding Fairhaven Wealth, Sonnie worked in the legal and financial services industries for over a decade.

Sonnie first became involved with financial advice as a specialist financial services lawyer. For many years, he was an “adviser of advisers”, reviewing thousands of advice files prepared by hundreds of financial advisers, and providing feedback in relation to the quality and appropriateness of advice; industry best practice; risk management; and regulatory compliance. He has published work in industry publications and spoken at various financial advice conferences.

Sonnie has also worked with banks, investment management firms, insurers, and derivatives providers.

Sonnie has worked as a private client lawyer, focusing on succession, estate planning and trusts. He ran his own legal firm in Australia before relocating to New Zealand. He has also acted in independent trustee and company director positions.

Sonnie is passionate about helping people achieve their goals and manage the risks to which they are exposed.

He has written extensively on his blog, New Zealand Wealth and Risk, which can be found at

Sonnie is married to his wonderful wife Chrissy, and has two young children, Ben and Anna.