Shows
The 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 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 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 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 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 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 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 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 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 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 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 00