Shows
The Finance Show With JoeAre Financial Planners Only For the Wealthy?Think financial planners are only for the wealthy? Ray Regmi and Malissa Vargas from Ryker Capital don't think so, revealing why financial advice might be most valuable for everyday Australians.Ray, with 21 years in financial services, and Malissa, with 32 years in lending, share powerful insights about the transformative impact of good financial planning. They explain why waiting until you're wealthy to seek advice is like saying "I need to be fit before I go to the gym" – completely backward! Joe explores the critical differences between financial planning and accounting, with planners focusing on future strategies whi...
2025-09-1746 min
The Wealth Guide PodcastHow Much Do You Really Need to Retire on $100,000 a Year? | Ep. 56Want to learn how our proven wealth-building strategies can help you create lasting financial security? Book a FREE consultation today: https://subscribepage.io/BookAConsult -----In this episode of The Wealth Guide Podcast, host Malissa Vourakis sits down once again with the Ryker Capital team — Jack Oineza, Ricky Regmi, and Dean Desoukey — to tackle the question everyone asks but few can answer clearly: what does it really take to retire on $100,000 a year?They unpack the 4% rule in plain English (why $2.5 million can fund a $100k income), the “bucket” approach to balanc...
2025-09-1557 minThe Wealth Guide PodcastDo This To Legally Pay LESS TAXES in Australia | Ep. 55Want to learn how our proven wealth-building strategies can help you create lasting financial security? Book a FREE consultation today: https://subscribepage.io/BookAConsult -----In this episode of The Wealth Guide Podcast, host Malissa Vourakis sits down with the Ryker Capital team, Jack Oineza, Ricky Regmi, and Dean Desoukey, to answer a question that every Australian has asked at some point: how do you legally pay less tax?They break down how the progressive tax system really works, why the top marginal rate can sting at 45%, and how using s...
2025-08-3148 minThe Wealth Guide PodcastWhat Really Happens to Your Super When You Retire? | Ep. 54Want to learn how our proven wealth-building strategies can help you create lasting financial security? Book a FREE consultation today: https://subscribepage.io/BookAConsult -----In this episode of The Wealth Guide Podcast, host Malissa Vourakis is joined by the Ryker Capital team, Jack Oineza, Ricky Regmi, and Dean Desoukey to tackle one of the biggest questions Australians face: what really happens to your super when you retire?They unpack the difference between t...
2025-08-1848 min
From Why to WealthI Helped a 23-Year-Old Turn $50 Into $700K (Here’s How You Can Too) | Ep. 09Experience a simple, fast, stress-free loan process tailored to your financial needs. Contact us at https://www.thefinanceco.group/-----In this episode, we’re joined once again by Ray Regmi and Dean Desoukey, financial advisers from Ryker Capital, for Part 2 of our conversation on building long-term wealth through smart, practical strategies.Ray and Dean talk about how one of their clients turned $50 into $700,000 in super, why salary sacrificing is more than just a tax-saving tool, and how most Aussies completely miss the opportunity to set themselves up early, even whi...
2025-05-2030 minThe Wealth Guide PodcastHow to Legally Claim Up to $10K From the ATO Without Spending a Cent | Ep. 53Want to learn how our proven wealth-building strategies can help you create lasting financial security? Book a FREE consultation today: https://subscribepage.io/BookAConsult ----In this episode, we have Tuan Duong, Principal Quantity Surveyor and founder of Duo Tax, Australia’s most reviewed and highly-rated quantity surveying firm, helping thousands of investors maximise their tax deductions with affordable, ATO-compliant depreciation schedules.Tuan talks about the surprising mistake that cost one investor $80,000 before settlement, how depreciation can boost your cash flow without spe...
2025-04-2745 minFrom Why to WealthHow the First Home Super Saver Scheme Could Fast-Track Your Property Dreams | Ep. 08Experience a simple, fast, stress-free loan process tailored to your financial needs. Contact us at https://www.thefinanceco.group/-----In this episode, join me, Gabriel Mikha, along with Ray Regmi and Dean Desoukey from Ryker Capital, as we talk about how the First Home Super Saver Scheme can help first-time buyers accelerate their journey into the property market.We discuss why starting your financial journey early, even as young as 15, can set you up for long-term wealth, how to think in terms of “mi...
2025-04-2229 minThe Wealth Guide PodcastThe Real Costs of Buying Your First Home (And How to Make It Work) | Ep. 52Want to learn how our proven wealth-building strategies can help you create lasting financial security? Book a FREE consultation today: https://subscribepage.io/BookAConsult -----In this episode, we have Michaela Shaw, Lending Specialist at MoneyQuest Penrith & Blue Mountains, a finance professional known for making the lending journey feel approachable and stress-free, especially for first-home buyers.She talks about the mindset blocks holding Gen Z back from entering the property market, the biggest myth about credit scores that could sabotage your borrowing p...
2025-04-1343 min
Finance and Coffee: Friday WrapFinance Talk with DienFinance Talk with Peter White (FBAA), Julian Wills (F&C Compliance Guy) and Ray Regmi from Ryker CapitalTopics:*Rev NSW Payroll Taxview from the FBAAview a from outside of the LMGview from Ryker for someone setting up a business today*US Tarrif War doing funky things to the Sharemarket and people's SuperWill this affect RBA Rate Movements?Does this mean things like living expenses are going up?What is in someone's Super?Is this an opportunity to talk about SMSF Lending?*If cost of living is going up, will people cut thei...
2025-04-1147 minThe Wealth Guide PodcastThe Secret to Becoming a TOP Mortgage Broker (Most Brokers Don’t Know This!) | Ep. 51Want to learn how our proven wealth-building strategies can help you create lasting financial security? Book a FREE consultation today: https://subscribepage.io/BookAConsult -----In this episode, we have Michael Mitry and Ted Naim from Eden Mentoring, an MFAA-endorsed and FBAA-accepted mentoring program dedicated to equipping new brokers with industry-leading guidance, ethical expertise, and decades of mortgage experience.They talk about why choosing an accredited mentor can make or break your career, how to build a client pipeline that grows itself, and why most brokers fail within their first two years—and how...
2025-03-3040 minThe Wealth Guide PodcastThe BEST Mortgage Brokers Don’t Sell—They Educate! Here’s Why | Ep. 50Want to learn how our proven wealth-building strategies can help you create lasting financial security? Book a FREE consultation today: https://subscribepage.io/BookAConsult -----In this episode, we have Julian Mattatia, General Manager of Sales and Marketing at the MoneyQuest Group, and Matthew Phelps, State Manager for NSW/ACT at MoneyQuest.They talk about why mortgage brokers must shift from a transactional model to a long-term client advisory approach, how referral partnerships with financial planners can dramatically boost business growth, and the biggest mistakes new brokers make when transitioning into the i...
2025-03-1626 minThe Wealth Guide PodcastHow TOP Mortgage Brokers Leverage Financial Planners to Scale Fast | Ep. 49Want to learn how our proven wealth-building strategies can help you create lasting financial security? Book a FREE consultation today: https://subscribepage.io/BookAConsult -----In this episode, we have Julian Mattatia, General Manager of Sales and Marketing at the MoneyQuest Group, and Paul Wright, National Growth Manager at the MoneyQuest Group.They talk about why the traditional, transactional mortgage broker model is dying, how brokers can transform into trusted advisors who retain clients for life, and the biggest mistakes new brokers m...
2025-03-0233 minThe Wealth Guide PodcastHow Top Employers Help Their Employees Build Wealth Without Paying More | Ep. 48Want to learn how our proven wealth-building strategies can help you create lasting financial security? Book a FREE consultation today: https://subscribepage.io/BookAConsult -----In this episode, we have Zaynah Altaf, Head of Human Resources at NEPEAN, and Salmin Khan, a renowned Chartered Accountant and Business Advisor from Tact Advisory.They talk about why financial stress is one of the biggest workplace productivity killers, how misinformation on social media is leading employees into financial traps, and the real reasons why even h...
2025-02-1627 minThe Wealth Guide Podcast"It's Not About Paychecks!" The Financial Wellness Blueprint Every HR Leader Needs | Ep. 47Want to learn how our proven wealth-building strategies can help you create lasting financial security? Book a FREE consultation today: https://subscribepage.io/BookAConsult -----In this episode, we have Zaynah Altaf, head of HR at NEPEAN, a global leader in mining and industrial manufacturing known for innovation, technical excellence, and empowering people worldwide.Zaynah talks about the growing importance of financial well-being in the workplace, how financial stress impacts employee productivity, and why NEPEAN developed a comprehensive program to address these challenges.She also discusses the practical steps HR l...
2025-02-0228 minThe Wealth Guide PodcastThe Ultimate Guide to Home Buying in a Rising Rate Environment | Ep. 46Want to learn how our proven wealth-building strategies can help you create lasting financial security? Book a FREE consultation today: https://subscribepage.io/BookAConsult -----In this episode, we have Nick Chong, Founder of Ardent Capital Group and a seasoned mortgage expert with over 12 years of experience in financial planning and mortgage broking.Nick talks about how COVID-19 altered the mortgage industry through digital adoption and unexpected market dynamics, why many homeowners face "mortgage prison", and the importance of proactive financial planning before fixed rates expire.He also discusses why f...
2025-01-1933 minThe Wealth Guide PodcastThe Truth About AI in Mortgage Broking (What Every Borrower Should Know) | Ep. 45Want to learn how our proven wealth-building strategies can help you create lasting financial security? Book a FREE consultation today: https://subscribepage.io/BookAConsult -----In this episode, we welcome back Anja Pannek, CEO of the Mortgage and Finance Association of Australia (MFAA), the peak industry body representing over 15,000 mortgage and finance brokers in Australia.Anja talks about how the MFAA takes a revolutionary "whole of industry" approach to solving industry challenges, the organisation's proactive stance in shaping regulatory changes before they h...
2025-01-0536 minThe Wealth Guide PodcastWhy 70% of Australians Now Choose Mortgage Brokers (The Truth Revealed) | Ep. 44Want to learn how our proven wealth-building strategies can help you create lasting financial security? Book a FREE consultation today: https://subscribepage.io/BookAConsult -----In this episode, we have Anja Pannek, CEO of the Mortgage and Finance Association of Australia (MFAA), the peak industry body representing over 15,000 mortgage and finance brokers in Australia.Anja talks about why mortgage brokers now dominate 70% of all new home loans in Australia, the unexpected decline in financial literacy among the younger generation, and how MFAA r...
2024-12-2240 minThe Wealth Guide PodcastWill AI Replace Mortgage Brokers? The Truth About the Future of Lending | Ep. 43Want to learn how our proven wealth-building strategies can help you create lasting financial security? Book a FREE consultation today: https://subscribepage.io/BookAConsult -----In this episode, we’re joined again by Peter White, the managing director of the Finance Brokers Association of Australasia (FBAA), who was awarded a Member of the Order of Australia (AM) for his outstanding contributions to the finance sector and community.Peter talks about why a revolutionary "diploma with a difference" is replacing weekend certifications to bui...
2024-12-0830 minThe Wealth Guide PodcastWhy Australian Mortgage Brokers Are Getting 'Robbed' Compared to Other Countries | Ep. 42If you want to take control of your finances, generate wealth, and secure your future, visit: https://rykercapital.com.au/our-service/-----In this episode, we have Peter White, the managing director of the Finance Brokers Association of Australasia (FBAA), who was awarded a Member of the Order of Australia (AM) for his outstanding contributions to the finance sector and community.Peter talks about why Australian mortgage brokers face the harshest clawback conditions globally, how recent changes in bank attitudes affect broker remuneration, and...
2024-11-2424 minThe Wealth Guide PodcastHow to Build a Multi-Million Dollar Property Portfolio (Starting with Just One House) | Ep. 41If you want to take control of your finances, generate wealth, and secure your future, visit: https://rykercapital.com.au/our-service/-----In this episode, we have Kev Tran, a nominated #1 Buyer's Agent in Australia for 2024 by REB, who brings expert and proven strategies to help investors achieve their financial goals through smart, data-driven property acquisitions.Kev talks about the critical financial literacy skills needed before investing in property, the hidden risks of off-market properties that most investors overlook, and the surprising impact of...
2024-11-1045 minThe Wealth Guide PodcastThe Mortgage Broker's Secret: How to Get the Best Loan for Your Needs | Ep. 40If you want to take control of your finances, generate wealth, and secure your future, visit: https://rykercapital.com.au/our-service/-----In this episode, we have Peita Davies, a seasoned mortgage broker, finance specialist, and owner of MoneyQuest Mortgage Brokers, Blue Mountains and Penrith.Peita talks about the biggest mistakes people make when securing a mortgage, the dangers of following bad advice from family and friends, and why choosing the cheapest interest rate may not always be the best decision.
2024-10-2740 minThe Wealth Guide PodcastRetirement Planning 101: How To Live To 100 Without Running Out Of Money ft. Ricky Regmi | Ep. 39If you want to take control of your finances, generate wealth, and secure your future, visit: https://rykercapital.com.au/our-service/-----In this episode, Head of Advice and Senior Financial Advisor Ricky Regmi shares his story of how he went from being a CPA to an army reservist and a seasoned financial planner.Ricky talks about how to turn early financial literacy into a powerful tool for building wealth, the art of setting and achieving clear financial goals, and strategic aged care planning...
2024-10-1323 minThe Wealth Guide Podcast$700K Richer at Retirement? A Financial Expert Reveals HOW ft. Dean Desoukey | Ep. 38If you want to take control of your finances, generate wealth, and secure your future, visit: https://rykercapital.com.au/our-service/-----In this episode, executive financial advisor Dean Desoukey shares his journey into financial planning and reveals the secrets to achieving financial success for everyday people.He shares how a chance university elective ignited his passion for finance, why empowering regular families drives his mission, and how small financial tweaks today can result in hundreds of thousands of dollars in your retirement fund.
2024-09-2921 min
Kubernetes Podcast from GoogleSpotify AI Platform, with Avin Regmi and David XiaGuests are Avin Regmi and David Xia from Spotify. We spoke to Avin and David about their work building Spotify's Machine Learning Platform, Hendrix. They also specifically talk about how they use Ray to enable inference and batch workloads. Ray was featured on episode 235 of our show, so make sure you check out that episode too. Do you have something cool to share? Some questions? Let us know: - web: kubernetespodcast.com - mail: kubernetespodcast@google.com - twitter: @kubernetespod News of the week IBM acquired Kubecost
2024-09-2459 minThe Wealth Guide PodcastWARNING: ChatGPT Financial Advice Could Cost You Thousands! Here's WHY ft. Ray Regmi | Ep. 37If you want to take control of your finances, generate wealth, and secure your future, visit: https://rykercapital.com.au/our-service/-----In this episode, our Director at Ryker Capital, Ray Regmi, shares the best lessons he learned from being a 22-year-old bank manager to a seasoned financial advisor with over 15 years of experience.Ray shares how he blends technical expertise with people skills to provide effective financial advice, the techniques he uses to help clients uncover and articulate their true goals, and his...
2024-09-1525 minThe Wealth Guide PodcastThe Unexpected Reason Why Financial Experts Hire Their Own Financial Planners ft. Ray Regmi & Nick Chong | Ep. 36If you're a business owner or individual who wants to take control of your finances, generate wealth, and secure your future, visit: https://rykercapital.com.au/our-service/-----In this episode, we're joined by Ray Regmi, a seasoned financial advisor and the founder of Ryker Capital, and his client, Nick Chong.Ray shares how he helped Nick gain clarity on his financial situation, identify key areas for improvement, and develop a tailored strategy to achieve his short-term and long-term goals....
2024-09-0124 minThe Wealth Guide PodcastThe #1 Financial Goal You Should Be Focusing On (And How To Achieve It!) ft. Jack Oineza | Ep. 35In this episode, we're joined by Jack Oineza, an award-winning financial expert with 24 years of experience helping individuals and businesses achieve their life goals and financial well-being.Jack shares how a chance encounter at a barbeque sparked his career in finance, the value of understanding a client's personal goals beyond just numbers, and why educating clients is the cornerstone of effective financial advice.He also talks about the power of relatable life examples in financial planning, the misconceptions around tax-saving strategies, and the vital role of regular check-ins in adapting...
2024-08-1823 min
Catching Up With PropertyEp. 13 - Is SMSF Right for You? Discover the Pros and Cons Before You Decide ft. Ray RegmiIn this episode, we have Ray Regmi, Director and Senior Financial Planner at Ryker Capital, and Jack Oineza, a Senior Financial Advisor with 24 years of experience in the industry.They talk about the growing popularity of Self-Managed Super Funds (SMSFs), the importance of understanding your position before setting up an SMSF, and the potential tax advantages of SMSFs in retirement.Ray and Jack also discuss the various assets you can hold in an SMSF, the pitfalls to avoid when managing your own super fund, and strategies for business owners to...
2024-08-1344 minThe Wealth Guide PodcastHow Do You Know If Your Inheritance Will Go To The Right People? [Check Out This Case Study] | Ep. 34In this episode, Ricky shares a case study highlighting the importance of comprehensive estate planning and how financial advisors and lawyers work together to fulfil clients' wishes.He talks about the critical role of updating wills after significant life events, the benefits of binding non-lapsing nominations in superannuation, and the strategic use of investment bonds for tax-efficient inheritance planning.Ricky also discusses how clear beneficiary nominations help avoid probate, the emotional aspects of estate planning, and the necessity of having a financial advisor and a lawyer to guarantee a well-rounded...
2024-07-2809 minThe Wealth Guide PodcastTax Hacks: Slash Your Tax Bill by 75% With These 7 Clever Strategies | Ep. 33In this episode, Ray shares two case studies that show the 7 most effective tax strategies for maximising financial growth and minimising tax liabilities: concessional, catch-up concessional, negative gearing, depreciation, investment bonds, surplus cashflow placed into an offset account, and income protection.He talks about the need to understand the purpose behind tax minimisation, how to utilise superannuation contributions to reduce tax liabilities, and the benefits of diversifying investments to achieve long-term growth.Ray also discusses using investment bonds for tax-effective savings, the importance of income protection, and how to structure...
2024-07-1415 minThe Wealth Guide PodcastIs Australia Headed for an Economic Crash? ft. Nathan Lim | Ep. 32In this episode, we're joined again by Nathan Lim, Chief Investment Officer at Lonsec, one of Australia's most prominent investment research, ratings and implemented solutions businesses serving financial advisers, fund managers and the superannuation industry.Nathan talks about the "two-speed consumer" phenomenon in Australia, the importance of strong employment numbers as an indicator of a soft landing, and the impact of immigration on housing demand and inflation.He also discusses the potential risks of wage growth exceeding the RBA's inflation target, the stimulatory effects of upcoming tax cuts, and the...
2024-06-3041 minThe Wealth Guide PodcastHow to Maximise Your Retirement Portfolio: Insider Tips from a Chief Investment Officer ft. Nathan Lim | Ep. 31In this episode, we're joined by Nathan Lim, Chief Investment Officer at Lonsec, one of Australia's most prominent investment research, ratings and implemented solutions businesses serving financial advisers, fund managers and the superannuation industry.Nathan talks about the importance of staying invested through market volatility, relying on well-diversified portfolios matched to your risk tolerance, and financial advisors' critical role in helping clients achieve their financial goals.He also discusses how Lonsec provides independent research and tailored investment solutions to support financial advisors, the need to look beyond labels like "balanced"...
2024-06-1634 minThe Wealth Guide PodcastHow to Get a Guaranteed "Paycheck" for Life in Retirement ft. Natalie Philips | Ep. 30In episode 3 of a three-part series, we’re joined once again by Natalie Philips, State Manager of Allianz Retire+, an Australian company that develops retirement products for Australian retirees.Natalie talks about the evolution of lifetime income solutions in Australia, the benefits of combining traditional investments with innovative retirement products, and how these new products provide flexibility and access to capital.She also discusses the tax implications of these products, the potential impact on Centrelink benefits, and the ability to leave a legacy for future generations.If...
2024-06-0238 minThe Wealth Guide PodcastRetiring at 60? You Might Need More Money Than You Think ft. Natalie Philips | Ep. 29In episode 2 of a three-part series, we’re joined once again by Natalie Philips, State Manager of Allianz Retire+, an Australian company that develops retirement products for Australian retirees.We discuss the financial impact of living longer and healthier lives, the lump sum amounts singles and couples need to retire comfortably, and the dangers of trying to DIY your retirement planning. We also talk about the concept of "right-sizing" your living situation in your golden years, the challenges of planning for retirement at 50-55+, and how wor...
2024-05-1944 minThe Wealth Guide PodcastCan You REALLY Retire Early and Still Enjoy Life? ft. Natalie Philips | Ep. 28In this episode, we're joined by Natalie Philips, State Manager of Allianz Retire+, an Australian company dedicated to developing retirement products to meet the unique needs of Australian retirees.We talk about the economic challenges Aussies face in achieving early retirement, the importance of having a financial coach to guide you through life stages, and the role of budgeting and discipline in creating good financial habits.We also discuss the impact of interest rates and the cost of living on household earnings, the need to structure finances correctly...
2024-05-0534 minThe Wealth Guide PodcastBrokers + Advisors = Financial Success? Experts Reveal the Winning Formula Pt. 2 ft. Anja Pannek | Ep. 27In this episode, we're joined again by Anja Pannek, CEO of the Mortgage and Finance Association of Australia (MFAA), the peak industry body representing over 15,000 mortgage and finance brokers in Australia.Anja talks about the value of teamwork between mortgage brokers and financial advisors in providing holistic solutions, the importance of communication when establishing these partnerships, and the role of financial literacy in helping clients understand risk management.She also discusses the differences between Australia and the UK in integrating insurance conversations during the mortgage process, the pitfalls of relying...
2024-04-2144 minThe Wealth Guide PodcastThe Future of Mortgage Broking in Australia: Exclusive Interview with MFAA CEO ft. Anja Pannek | Ep. 26In this episode, we're joined by Anja Pannek, CEO of the Mortgage and Finance Association of Australia (MFAA), the peak industry body representing over 15,000 mortgage and finance brokers in Australia.Anja talks about her deep respect for mortgage brokers' role in changing people's lives, the increasing market share of brokers facilitating over 70% of mortgages in Australia, and the MFAA's efforts to promote brokers as the first choice for expert mortgage guidance.She also discusses the unprecedented refinancing wave in 2023 driven by fixed-rate expiries, the localised nature of housing market dynamics...
2024-04-1437 minThe Wealth Guide PodcastCentrelink Success Story: The Power of Financial Planning Advice to Uncover Potential Entitlements | Ep. 25In this episode of The Wealth Guide Podcast, our senior financial planner Ricky Regmi shares a case study of how he helped a client couple navigate Centrelink entitlements during different life stages.Ricky talks about the importance of being aware of Centrelink carer payment and allowance, the strategic use of super to manage assets, and the need to reevaluate financial strategies after life-changing events.He also discusses the implications of age differences on Centrelink benefits, the advantages of low-risk investments for retirees, and the process of transitioning from pensioner to...
2024-04-0612 minThe Wealth Guide PodcastKey Person Insurance: The Safety Net Your Business Can't Afford to Ignore! | The Wealth Guide Podcast Ep. 24In this episode of The Wealth Guide Podcast, our Director and Senior Financial Planner, Ray Regmi, shares a case study on how key person insurance saved a business when tragedy struck.Ray talks about the necessity of distinguishing between personal and business insurance, the unique aspects of key person insurance, and the intricate process of assessing and addressing business risks.He also discusses the importance of revenue and capital protection, the complexities of replacing skilled personnel, and the real-life impact of adequate insurance coverage on a business's ability...
2024-04-0114 minThe Wealth Guide PodcastThe Death of Transactional Broking: Brokers and Financial Planners Working Together for Client Success | The Wealth Guide Podcast Ep. 23In this episode, we have Peter White AM again, the Managing Director of the FBAA or Finance Brokers Association of Australia Limited, the leading national association for finance and mortgage brokers with over 11,000 members.We talk about how broker can increase their revenue by providing holistic, value-added services, why the transactional broking business model is dead, and how financial planners and brokers collaborate to achieve the best client outcomes.We also discuss the importance of truly understanding your client's goals and objectives, building long-term relationships across generations, and...
2024-03-2438 minThe Wealth Guide PodcastThe Impact of the FBAA on the Mortgage Broking Industry and the Client Experience | The Wealth Guide Podcast Ep. 22In this episode, we have Peter White AM, the Managing Director of the FBAA or Finance Brokers Association of Australia Limited, the leading national association for finance and mortgage brokers with over 11,000 members.Peter talks about the crucial role of mortgage brokers in the current financial landscape, the importance of mental health awareness in the broking industry, and the journey of advocacy and support for brokers through the FBAA.He also discusses the challenges and opportunities in the finance broking profession, the impact of regulatory changes and compliance requirements, and...
2024-03-1742 minThe Wealth Guide PodcastIs Your Super Going to Deliver for You? | The Wealth Guide Podcast Ep. 21In this episode of The Wealth Guide Podcast, our senior financial planner, Dean Desoukey, shares a client case study about how he helped a mature couple catch up on their retirement savings after years of low superannuation contributions. Dean talks about assessing the couple's cash flow to find capacity for additional super contributions, utilising salary sacrifice contributions to maximise tax savings, and reviewing insurance coverages to ensure appropriate coverage at reasonable costs.He also discusses tailoring a savings strategy to set the couple up for a comfortable retirement, educating them o...
2024-03-1009 minThe Wealth Guide PodcastRetiring Soon? This Case Study Will Change Your Path to Retirement For the Better | Ep. 20In this episode of The Wealth Guide Podcast, our senior financial planner Ricky Regmi shares a case study of how he helped a 67-year-old client save over $40,000 through strategic retirement planning.He talks about the benefits of extending employment to maximise employer super contributions, the tax advantages of transitioning to a pension account, and the importance of understanding the compounding effect of superannuation.Ricky also discusses the strategy of making catch-up contributions to super, the tax deductions associated with additional super contributions, and the clever timing of retirement to spread...
2024-03-0312 minThe Wealth Guide PodcastIs a Self Managed Super Fund Right for You to Supercharge Your Retirement Outcome? | The Wealth Guide Podcast Ep. 19In this episode of The Wealth Guide Podcast, our Director and Senior Financial Planner, Ray Regmi, shares a case study of a couple medical practitioners who significantly benefited from setting up a self-managed super fund (SMSF).Ray talks about how SMSFs allow greater control and flexibility compared to retail or industry super funds, the responsibilities involved with running an SMSF, and the need to carefully weigh costs versus benefits before establishing one. He also discusses the minimum balance before considering an SMSF, how to leverage self-managed super funds to purchase a...
2024-02-2510 minThe Wealth Guide PodcastThe Real Impact of Financial Advice: Young Couple’s Strategy to Improve Their Position Over $500K | The Wealth Guide Podcast Ep. 18In this episode of The Wealth Guide Podcast, our Senior Financial Planner, Dean Desoukey, shares his expertise through a detailed client case study to demonstrate that you don't need pots of money to benefit from financial advice. All you need is income and excellent advice in managing that cash flow to get you ahead and hit your goals as soon as possible.Dean talks about diversifying your financial "buckets" to prevent loss, using cash surplus to manage taxes and mortgage repayments strategically, and the benefits of a structured protection technique within superannuation.
2024-02-1810 minThe Wealth Guide PodcastCosts of Aged Care that Impact the Family: Expert Advice for your Assets & Peace of Mind | Ep. 17In this episode, Ricky shares a case study of how he helped a client whose husband needed aged care and reveals the strategies that significantly reduced their costs.He discusses the critical role of a financial advisor in aged care planning, the importance of understanding Centrelink assessments and aged care fees, and the impact of timing on the date of entry into a nursing home.Ricky also explains the benefits of transferring assets to a younger spouse, maintaining a balance in superannuation to keep insurance coverage, and the advantages of...
2024-02-1112 minThe Wealth Guide PodcastHow You Can Boost Your Super & Reduce Your Tax Leading into Retirement [Case Study] | The Wealth Guide Podcast Ep. 16In this episode of The Wealth Guide Podcast, our Director and Senior Financial Planner, Ray Regmi, shares how the TTR, or Transition to Retirement strategy, can significantly boost your superannuation and reduce your taxes.Ray talks about the concept of preservation age, the value of having an accumulation and pension account, and the potential tax benefits of the transition to retirement strategy.He also shares the case study of Sebastian, who saved around $6,000 in personal taxes and thousands more in eliminated taxes using salary sacrifice and converting his super into...
2024-02-0408 minThe Wealth Guide PodcastImprove Retirement Outcomes & Be Free from Mortgage Debt With a Financial Adviser | The Wealth Guide Podcast Ep. 15In this episode of The Wealth Guide Podcast, our Senior Financial Planner, Dean Desoukey, shares an inspiring story of how his client, a single mother with two children, one with a disability, overcame financial stress and uncertainty to secure her future. Dean shares how he consolidated her super funds to save over $700 a year in fees, optimised her budget to enable tax-saving salary sacrifice into super, and sustainably increasing home loan repayments to have it paid off by age 57 instead of 70.If you want to learn how small c...
2024-01-2810 minThe Wealth Guide PodcastMortgage Broker & Financial Planner: The Dynamic Duo for Your Tailored Financial Game Plan | The Wealth Guide Podcast Ep. 14In this episode of The Wealth Guide Podcast, the team at Ryker Capital shares their professional insights and honest thoughts on aligning your new mortgage obligations with appropriate insurance solutions.They discuss the importance of working with a mortgage broker for tailored lending options and then partnering with a financial advisor for customised insurance plans to manage your personal risks.The team also talks about understanding personal insurance policy details, tailored solutions that suit your priorities and needs, evaluating different providers and products, and getting support during the claims process.
2024-01-2123 minThe Wealth Guide PodcastAvoid Retirement Regret: Genius Ways to Grow and Invest your Money you Probably Haven’t Heard Of ft. Grant Hackett | The Wealth Guide Podcast Ep. 13In this episode of The Wealth Guide Podcast, we're joined again by Grant Hackett, a former renowned Olympic swimmer turned financial expert and CEO of Generation Life.Grant talks about how investment bonds can be used for flexible retirement income, controlling inheritances from the grave, and leaving tax-free money to heirs.He also discusses how annuities provide lifetime guaranteed income, investment growth potential, and social security means-testing advantages. If you want to optimise your retirement nest egg and plan your estate strategically, then make sure to l...
2024-01-1538 minThe Wealth Guide PodcastThink Paying Less Tax is Impossible? This Unusual Strategy Proves Otherwise ft. Grant Hackett | The Wealth Guide Podcast Ep. 12In this episode of The Wealth Guide Podcast, we have Grant Hackett, a former renowned Olympic swimmer turned financial expert and CEO of Generation Life.Grant talks about his transition from professional sports to the finance industry and sheds light on the concept of investment bonds.He discusses the tax efficiency of investment bonds, their flexibility in terms of contributions and withdrawals, and the benefits of these bonds in estate planning. If you want to learn about innovative & tax-effective investment strategies, then make sure to listen t...
2024-01-0747 minThe Wealth Guide PodcastBrokers Financial Planners: Who is the Real MVP? | The Wealth Guide Podcast Ep. 11In this episode of The Wealth Guide Podcast, we've got Hung Chuy, Ray Regmi, and John Alvarez to answer the burning question: 'Who is the MVP of your A-team in wealth building - brokers or financial planners?' They talk about the critical role of financial advisors in wealth management, the importance of having a broker and a planner on your team, and the synergy between different professionals in achieving your money goals.They also discuss strategies for tax minimisation, the intricacies of property investment, and the value of risk m...
2023-12-1738 minThe Wealth Guide PodcastWhat the F**K Is Going On in The Australian Property Market? | The Wealth Guide Podcast Ep. 10In this episode of The Wealth Guide Podcast, we've got Hung Chuy, Dean Desoukey, and John Alvarez to share their professional thoughts and insights on the current situation of the Australian property market.They talk about the "fixed rate mortgage cliff" and its impact on homeowners, cash flow challenges for property buyers and small business owners, and the shifting property hotspots as remote work trends evolve.They also discuss the pros and cons of fixed versus variable rate mortgages, creative financing options for first-home buyers, and the role of mortgage...
2023-12-1032 minThe Wealth Guide PodcastCan AI Give Financial Advice? | The Wealth Guide Podcast Ep. 09In this episode of The Wealth Guide Podcast, the team at Ryker Capital shares their thoughts on the capabilities and limitations of AI tools like ChatGPT for providing personalised financial advice.They discuss why Australia ranks last in understanding AI's societal benefits, how AI can increase productivity and contribute to mental health and well-being in the workplace, and why due diligence remains crucial despite AI's role as a helpful starting point.The team also talks about the potential for bias in AI, the delicate balance between innovation and privacy, and...
2023-12-0432 minThe Wealth Guide PodcastFinancial Advice – Is It Only For the Rich? | The Wealth Guide Podcast Ep. 08In this episode of The Wealth Guide Podcast, the Ryker Capital team debunks the top 10 myths that prevent you from achieving financial security, growth, and freedom.They discuss people's most common objections about financial planning, real-life examples of how financial advisors saved clients significant money, and the potential tax benefits of investing in financial advice.The team also talks about strategies the wealthy use to maximise their finances, how advisors tailor retirement plans for clients, and why a government pension might not afford your desired comfortable lifestyle.
2023-11-2651 minThe Wealth Guide PodcastIs Life Insurance a SCAM?! | The Wealth Guide Podcast Ep. 07In this episode of The Wealth Guide Podcast, we've got the team from Ryker Capital to answer one of the most asked financial questions: "Is life insurance a SCAM?”They discuss the hidden truth of insurance premiums, common beliefs about claim denials, stories of people feeling scammed by policies, and how to avoid similar pitfalls.The team also explores the opportunity costs of not having insurance coverage, why cheaper isn't always better for claims, and debunks myths that may stop you from having the emotional reassurance and comfort you deserve....
2023-11-1952 minThe Wealth Guide PodcastAre You TAXED AFTER Death?! ft. Dr Jeffrey Scott | The Wealth Guide Podcast Ep. 06In this episode of The Wealth Guide Podcast, we have Dr Jeffrey Scott, Head of Advice Strategy at MetLife Australia, share his expert insights on insurance, taxation finance, and superannuation. Dr Jeffrey talks about the secrets of using super funds to get tax deductions on insurance premiums, the crucial distinctions between dependency under the SIS Act and the Tax Act, and how different tax outcomes can arise from the same life insurance policy. He also discusses the four basic types of personal insurance covers and their respective benefits, the purpose an...
2023-11-1229 minThe Wealth Guide PodcastAre You Part of the Sandwich Generation? Here's How You Can Take Care of Yourself Financially, Mentally, & Emotionally | The Wealth Guide Podcast Ep. 05In this episode of The Wealth Guide Podcast, we've got the team from Ryker Capital exploring the financial and emotional challenges faced by the sandwich generation.They address the pressures on main earners in multi-generational households, how extended family care affects retirement, and the need for structured planning, especially for blended families.The team also emphasises the value of financial advice to alleviate stress, the benefits of insurance during unforeseen events, and the necessity of open family discussions on shared responsibilities.If you're looking for relatable...
2023-11-0541 minThe Wealth Guide Podcast5 Factors That Could Make You Lose Your Home + How to Survive ft. Dr Jeffrey Scott | The Wealth Guide Podcast Ep. 04In this episode of The Wealth Guide Podcast, we have Dr Jeffrey Scott, Head of Advice Strategy at MetLife Australia, a leading life insurance provider, partnering with employers, super funds, and financial advisers to help Australians protect their lifestyle and provide help when they need it most.Dr Jeffrey talks about the top five factors that can lead to mortgage default and how to protect against them, the concept of "bucketing" expenses and making conscious purchasing decisions, and the step-by-step process of dealing with financial difficulties and mortgage repayments. He a...
2023-10-2942 minThe Wealth Guide PodcastThe 8 Biggest Tax Deduction Strategies Everyone Should Use In Their Life | The Wealth Guide Podcast Ep. 03In this episode of The Wealth Guide Podcast, the Ryker Capital team shares their top eight tips on how you can pay less tax, maximise your savings, and prepare for a financially secure retirement.They talk about how salary sacrifice can effectively reduce your taxable income while boosting your retirement savings, how the principles that may work against you in a home loan can benefit you in investment scenarios, and how to handle a capital gains tax bill smartly by utilising catch-up contributions.They also share an innovative strategy to...
2023-10-2246 minThe Wealth Guide Podcast30-Year Insurance Veteran Reveals Why You DON'T Need Life Insurance ft. Dr Jeffrey Scott | The Wealth Guide Podcast Ep. 02In this episode of The Wealth Guide Podcast, we have Dr Jeffrey Scott, Head of Advice Strategy at MetLife Australia, a leading life insurance provider, partnering with employers, super funds, and financial advisers to help Australians protect their lifestyle and provide help when they need it most.We talk about the circumstances under which life insurance may be unnecessary, the psychological reasons why most people hesitate to buy life insurance, and the unexpected pitfalls of cancelling your insurance too soon. We also discuss the "Big Four" medical conditions, making up t...
2023-10-0839 minThe Wealth Guide PodcastIs Your Super Fund ROBBING You? | The Wealth Guide Podcast Ep. 01In our very first episode of The Wealth Guide Podcast, we've got our team from Ryker Capital to share their expert insights on all things superannuation.They talk about understanding fees in your super so you can evaluate the value you're getting, how to build a well-structured super fund to achieve specific financial goals and safeguard family assets, and why investment performance in your super should be viewed from a long-term perspective.They also share the crucial role of insurance within superannuation, the main differences between default insurance options and underwritten cover, and the three k...
2023-09-241h 00The Wealth Guide PodcastWelcome to The Wealth Guide Podcast!Meet the team behind Ryker Capital – and get an insight into who they are and why they're so passionate about the financial planning space.Disclaimer: The information provided in this podcast is for general purposes only and should not be considered personal advice. Always consult with qualified professionals or experts in the relevant field for personalised advice tailored to your specific situation.----- LISTEN TO THE PODCASTSpotify: https://open.spotify.com/show/5Q3irgh3XS6DLP6rc9gp1M?si=531c16ef61e14c23Apple Music: https://podcasts.ap...
2023-07-1310 min
Business and InvestingSecure Your Family's Financial Future with Ray RegmiEP 98: Our resident financial planner is back to talk about succession planning. Consider this episode as succession planning 101, a helpful guide on how to start thinking about succession planning. NOTE: This episode is a general guide, NOT financial advice. Episode Highlights:00:00 Welcome to Business and Investing03:22 How much wealth will the next generation most likely receive?05:07 The best time to start succession planning06:48 What you need to consider before starting12:31 Different ways things can be passed on 16:12 Tax implications on inheritance 22:20 Helping your children earlier in life29:09 Ac...
2023-02-2250 min
Business and InvestingIs Superannuation A Terrible Idea For Business Owners? With Ray RegmiEP 070: This week on the podcast, we have Ray, our resident financial advisor, on to talk about superannuation. I wanted to bring Ray on the show to break down how super works and its many advantages and disadvantages. I suspect many business owners don’t understand its power, and that’s why they choose to ignore it. Episode Highlights: 00:00 Welcome to Business and Investing1:56 Who is Ray Regmi?2:15 What is Superannuation? 3:51 How can we think about Super in a better way? 8:12 Downsides of superannuation contributions10:5...
2022-11-1341 min
Business and InvestingWhat Would Happen if You Couldn't Work Anymore? With Ray RegmiEP 053: Building wealth is not just about building it, it’s also making sure that you keep it.As many of you know, this topic is close to my heart as my father (a fellow business owner) had a workplace accident.He was not properly insured and lost everything.It was devastating for him and horrible for our family to go through.Part of the reason I am so driven with finances is to make sure what happened to my father does not happen to me.And hopefully, I can he...
2022-09-1536 min
Business and InvestingWhat Does a Financial Planner Actually Do? - With Ray RegmiEP 041: I suspect many business owners don’t actually know what a financial planner does for business owners or how to work with them effectively.(Just like me)For that exact reason, I have brought Ray onto the podcast this week.Understanding the role and outcomes of a financial planner is critical information for business owners.I highly encourage you to check out this episode. Episode Highlights:00:00 Welcome!01:16 Get to know financial planner – Ray Regmi02:16 The perfect time for business owners to get a financial plan...
2022-08-0430 min