Shows
The Dollars & Sense PodcastThe 10 Days That Could Delay Your Retirement by a DecadeEverywhere you look right now the headlines are bleak!Wars, oil shocks, economic uncertainty, and predictions of market crashes. But do those headlines actually predict what markets will do next? In this episode, Tim breaks down the research behind media sentiment, why negative financial news dominates the headlines, and the real cost investors pay when they react emotionally and miss the market’s best days. If you have a question, suggestions, or a topic you would like us to cover, please send an email to: podcast@foxplan.nzFor More...
2026-03-1019 minThe Dollars & Sense PodcastDividend Investing in Modern PortfoliosThis week Sheldon and I tackle a topic that comes up constantly with clients. Dividend paying shares. Are they essential for building wealth or just one part of the puzzle?We unpack how dividends and buybacks actually work, why so many investors are drawn to income strategies, and why focusing only on yield can quietly derail long term returns.If you have a question, suggestions, or a topic you would like us to cover, please send an email to: podcast@foxplan.nzFor More Dollars & Sense Content: Click HereListen to...
2026-03-0234 minThe Dollars & Sense PodcastWhy Good People Avoid Financial Planning and Regret It LaterOften people who are doing “pretty well” still avoid financial planning, or they start and quietly drop off. In this episode, Tim Ellis and Sheldon Wu talk about why that happens, what it really costs over time, and why good planning is about a lot more than just returns. A practical, honest conversation based on what we actually see with clients. If you have a question, suggestions, or a topic you would like us to cover, please send an email to: podcast@foxplan.nzFor More Dollars & Sense Content: Click HereListen to all T...
2026-02-1744 minThe Dollars & Sense PodcastGold and the Long Game: Does It Really Belong in a Portfolio?Gold and silver are back in the headlines—but do they actually belong in a long-term investment portfolio? In this episode, Tim and Sheldon unpack the data, the psychology, and the common arguments for holding precious metals, and explain why most professional portfolios don’t rely on them. A practical, no-hype discussion about volatility, diversification, speculation, and what really drives long-term outcomes. If you have a question, suggestions, or a topic you would like us to cover, please send an email to: podcast@foxplan.nzFor More Dollars & Sense Content: Click HereListen to al...
2026-02-0937 minThe Dollars & Sense PodcastWhy a Reserve Fund Changes the Way You Think, Invest, and LiveThe reserve fund is the one strategy every financial adviser agrees on — and the one most people ignore. In the first episode of 2026, Tim Ellis and Sheldon Wu break down what a reserve fund really is (and isn’t), why credit cards and revolving credit don’t count, and how having real cash set aside changes the way you invest, work, and live. If you have a question, suggestions, or a topic you would like us to cover, please send an email to: podcast@foxplan.nzFor More Dollars & Sense Content: Click HereListen...
2026-02-0244 minThe Dollars & Sense Podcast2025 In Review. What just happened and what actually matters?2025 gave us AI becoming mainstream, another turbulent year under Trump, surprising global market returns, and the end of Warren Buffett’s era as CEO of Berkshire Hathaway. In this episode, we unpack what actually happened — from AI hype and capital flows to interest rates and market surprises — and then finish with the bigger question: why none of it really matters for long-term wealth. A grounded reminder of what financial advice is actually for.If you have a question, suggestions, or a topic you would like us to cover, please send an email to: podcast@foxplan.nz
2025-12-1949 minThe Dollars & Sense PodcastThe Most Misunderstood Part of KiwiSaver PerformanceThis week, Tim breaks down one of the most common KiwiSaver misunderstandings: how two funds can show identical long-term returns on paper, yet deliver completely different balances for real investors. He explains why shifting asset allocations, volatility, and regular contributions can make a “better-looking” fund actually perform worse for you. If you’ve ever compared performance tables and felt confused, this episode will finally make the math make sense.If you have a question, suggestions, or a topic you would like us to cover, please send an email to: podcast@foxplan.nzFor More Dollars & Sense...
2025-12-0916 minThe Dollars & Sense PodcastFollowing Up on NZ’s Health Insurance Crisis: The Latest DevelopmentsThis episode is a follow-up to my earlier deep dive into New Zealand’s medical insurance shake-up — and a lot has changed since then. In this update, I break down how each major insurer has responded differently to rising claims costs, including Southern Cross, AIA and nib, and what these changes mean for your premiums, benefits and future options.I also outline practical solutions to consider depending on which insurer you’re currently with, so you can make informed decisions rather than reacting to headlines. As always, this is general information only, but essential context for anyone review...
2025-12-0126 minThe Dollars & Sense PodcastExposed: The Marketing Tactics Behind Modern Investment Snake OilIn this episode, we break down the tactics used by self-proclaimed investment “gurus” who sell overpriced courses, mentorships, and get-rich-quick schemes.From seductive narratives to manufactured credibility and psychological manipulation, we unpack how these operators hook people in — and how to protect yourself. If you’ve ever wondered why these scams seem to surge during volatile markets, this episode is for you. If you have a question, suggestions, or a topic you would like us to cover, please send an email to: podcast@foxplan.nzFor More Dollars & Sense Content: Click Here
2025-11-2428 minThe Dollars & Sense PodcastYour Wealth Philosophy vs. Reality: Taraia Robin Breaks It DownIn this episode of The Dollars and Sense Podcast, Tim sits down with Taraia Robin from Stewart Group and Finzo for an honest, practical discussion about evidence-based investing. Taraia breaks down why discipline beats prediction, how small-cap and value factors fit into a modern portfolio, and what investors often misunderstand when markets get noisy. A grounded, insightful conversation for anyone wanting to invest with confidence and clarity If you have a question, suggestions, or a topic you would like us to cover, please send an email to: podcast@foxplan.nzFor More Dollars & S...
2025-11-1837 minThe Dollars & Sense PodcastThe AI Bubble: Hype or the Next Market Crash?Investors are nervous — AI stocks are soaring, valuations look stretched, and Trump’s back in the White House. In this episode, Tim breaks down whether we’re really on the edge of a market correction, what’s driving the fear, and why a solid, diversified plan still beats trying to time the market. If you have a question, suggestions, or a topic you would like us to cover, please send an email to: podcast@foxplan.nzFor More Dollars & Sense Content: Click HereListen to all The Dollars & Sense Podcasts: Click HereThe i...
2025-11-1122 minThe Dollars & Sense PodcastSecond Marriages, Trusts, and Contracting Out — Part 2 with Hannah CarterIn Part 2 of our conversation with Hannah Carter from Carter Chung, we dive deeper into the legal side of second marriages, trusts, and contracting out agreements. Building on last week’s discussion, this episode explores what really happens when documents aren’t reviewed, how blended families can protect their assets, and why proactive planning matters more than ever. If you have a question, suggestions, or a topic you would like us to cover, please send an email to: podcast@foxplan.nzFor More Dollars & Sense Content: Click HereListen to al...
2025-11-0433 minThe Dollars & Sense PodcastBlended Families & Second Marriages: The Legal Must-Knows with Hannah Carter In this episode of The Dollars and Sense Podcast, Tim sits down with lawyer Hannah Carter from Carter Chung Law to unpack the legal side of second marriages and blended families. They cover wills, trusts, and what happens if you don’t have a will in place — including who really gets what. A must-listen for anyone navigating family or estate planning in later-life relationships. For anyone wanting to get in touch with Hannah. Website details below.https://www.carterchunglaw.co.nz/If you have a question, suggestions, or a t...
2025-10-2826 minThe Dollars & Sense PodcastWhy Revolving Mortgages Keep You Stuck on the Financial TreadmillRevolving mortgage accounts promise flexibility — but for many people, they quietly create financial frustration. In this episode, Tim Ellis breaks down why so many Kiwis feel “stuck” with revolving credit, how it impacts your money mindset, and the practical steps to get out of the loop. Learn how to take back control and start moving forward financially. If you have a question, suggestions, or a topic you would like us to cover, please send an email to: podcast@foxplan.nzFor More Dollars & Sense Content: Click HereListe...
2025-10-2116 minThe Dollars & Sense PodcastTick Boxes Don’t Build WealthThis week on The Dollars and Sense Podcast, Tim and Brodie pull apart one of the most overused and misunderstood tools in investing — the risk assessment questionnaire.These forms are meant to help investors understand their tolerance for risk, but in practice, they’re often a lazy substitute for real financial advice. The guys break down why they believe the questionnaire can lead to poor decisions, misaligned portfolios, and false confidence — especially for people using them online without guidance.From confusing time horizons to emotional questions that change with your mood, Tim an...
2025-10-1529 minThe Dollars & Sense PodcastThe Hidden Costs of InvestingIt’s not the fees you see that hurt — it’s the ones you don’t.Most investors think they understand what they’re paying for — a simple management fee and maybe a performance fee if things go well. But that’s only the beginning. In this episode, Tim Ellis and Brodie Haggerty unpack the hidden side of investing — the costs that quietly eat away at your returns without ever showing up on your fund statement.From currency hedging and tax drag to behavioral biases and index front-running, we explore how seemingly invisi...
2025-10-0728 minThe Dollars & Sense PodcastBreaking the Home Bias: Why Global Diversification Wins for Your PortfolioWe all know that a home bias has kept the All Blacks streak alive at Eden Park against The Springboks..... But is a home bias critical to a New Zealand domiciled managed fund or KiwiSaver fund?In Season 4, Episode 2 of the Dollars and Cents Podcast, Tim Ellis explores the concept of home bias in investing, focusing on the heavy allocation to New Zealand and Australian stocks in KiwiSaver and managed funds. Discover 5 reasons why a globally diversified portfolio needs to be considered. Tune in for key insights on portfolio design and the importance of rebalancing fo...
2025-09-2919 minThe Dollars & Sense PodcastNZ Medical Premiums set to Sky Rocket in 2025Tim Ellis says: ‘80% premium hikes are nuts!’ Season 4, Episode 1 dives into NZ’s medical cost crisis—50% claim surges, 93.4% insurer payouts, and 3 hacks to save for 30s-40s Kiwis. Subscribe for weekly wealth tips! #NZHealthInsurance #MedicalCostsNZ #KiwiFinanceIf you have a question, suggestions, or a topic you would like us to cover, please send an email to: podcast@foxplan.nzFor More Dollars & Sense Content: Click HereListen to all The Dollars & Sense Podcasts: Click HereThe information shared on The Dollars & Sense Podcast is general in nature and does not consi...
2025-09-2422 minThe Dollars & Sense Podcast#47: Trumps Tariffs, Should We Panic?In this episode we address the growing speculation and panic the markets have seen due to trade wars. Have we seen this before and what happened? Should you be doing anything with your investments as a reaction?If you have a question, suggestions, or a topic you would like us to cover, please send an email to: podcast@foxplan.nzFor More Dollars & Sense Content: Click HereListen to all The Dollars & Sense Podcasts: Click HereThe information shared on The Dollars & Sense Podcast is general in nature and does not...
2025-03-1924 minThe Dollars & Sense Podcast#46 Is that a Goal or a Strategy?Goals versus Strategies - What's the difference?Hands up if you have said you have a goal to be mortgage free!Hands up if you have a goal to own "X" amount of properties!Are those really goals, or are they strategies to help you achieve the REAL goal?Tune in to this weeks episode where Tim and Brodie discuss the difference between a Goal and a Strategy and why it is so important to differentiate the two when considering financial planning. If you have a question, suggestions, or a...
2025-01-1419 minThe Dollars & Sense Podcast#45: The Power of Small Caps - What Does History Say About Investing in Small Companies?In this episode, we dive into the world of small-cap investing and explore why it’s often overlooked by mainstream investors. We challenge the conventional wisdom that favors large-cap stocks, and discuss how small-cap investments can diversify your portfolio and bring significant returns over time. If you have a question, suggestions, or a topic you would like us to cover, please send an email to: podcast@foxplan.nzFor More Dollars & Sense Content: Click HereListen to all The Dollars & Sense Podcasts: Click HereThe information shared on The Dollars & Sense Pod...
2024-12-1721 minThe Dollars & Sense Podcast#44: Talking All Things InterestThis week, we are discussing interest (woohoo). We explore the risks involved with term deposits, which have generally been seen as "risk-free" by the public, mortgage interest rates, and more. If you have a question, suggestions, or a topic you would like us to cover, please send an email to: podcast@foxplan.nzFor More Dollars & Sense Content: Click HereListen to all The Dollars & Sense Podcasts: Click HereThe information shared on The Dollars & Sense Podcast is general in nature and does not consider your individual circumstances. Dollars & Sense exists pu...
2024-12-1130 minThe Dollars & Sense PodcastBE RIGHT BACK!We'll be back with more episodes next week, here's a quick update from Tim. If you have a question, suggestions, or a topic you would like us to cover, please send an email to: podcast@foxplan.nzFor More Dollars & Sense Content: Click HereListen to all The Dollars & Sense Podcasts: Click HereThe information shared on The Dollars & Sense Podcast is general in nature and does not consider your individual circumstances. Dollars & Sense exists purely for educational purposes and should not be relied upon to make an investment or financial d...
2024-12-0509 minThe Dollars & Sense Podcast#43: Investment Is Supposed To Be Boring!The popular image of investing tends to be formed by movie dramas like ‘Wolf of Wall Street’, ‘The Big Short’ or 'Margin Call'In truth, however, success in long-term investing is more likely due to a slow and steady approach with minimal drama. This weeks Podcast lists explores the benefits of opting for ‘boredom’ over excitement when it comes to investing.If you have a question, suggestions, or a topic you would like us to cover, please send an email to: podcast@foxplan.nzFor More Dollars & Sense Content: Click HereListen to al...
2024-11-1420 minThe Dollars & Sense Podcast#42: Investing In Hype Stocks, Is It Worth The Risk?Nifty Fifty, FAANG, MAMAA, Magnificent Seven. Over the years there are always companies that shoot the lights out in the stock market, so much so that we end up giving them nicknames. But are these stocks overvalued and should you buy them at their peaks? We explore concentration risk in this episode and ask some key questions for investors to consider: Do I already hold it? Why should I expect a return? And what are the costs?If you have a question, suggestions, or a topic you would like us to cover, please send an e...
2024-11-0523 minThe Dollars & Sense Podcast#41: Donald Trump or Kamala Harris: What Will Happen With Stock Portfolios?Trump or Harris?Republican or Democrat?How will my portfolio or the share market react to the eventual winner and does it even matter? Tune in this week as we tackle politics and investments leading up to the November election.If you have a question, suggestions, or a topic you would like us to cover, please send an email to: podcast@foxplan.nzFor More Dollars & Sense Content: Click HereListen to all The Dollars & Sense Podcasts: Click HereThe information shared on The Dollars & Sense Podcast is general...
2024-10-2920 minThe Dollars & Sense Podcast#40: SEASON THREE COMING SOON - A Quick Update / Future PlansJust a quick one today team, we are back and sharing with you what our plans are going forward, who we are targeting with our new episodes, and what we learnt from the first two seasons. As always we appreciate your feedback and support.. Lets go! If you have a question, suggestions, or a topic you would like us to cover, please send an email to: podcast@foxplan.nzFor More Dollars & Sense Content: Click HereListen to all The Dollars & Sense Podcasts: Click HereThe information shared on The Dollars & S...
2024-10-2215 minThe Dollars & Sense Podcast#39: "Well Mr / Mrs Client, That Depends"If you've ever engaged with a Financial Adviser and asked a question, chances are that you've heard "well that depends!"Slowing down the decision process and taking some extra time can be frustrating when you just want to "get cracking with things". This episode, Tim attempts to answer why advisers might want to ask a few more questions before rushing to an answer. Tim dives into the most common questions that are asked from new and existing clients such as,Should I repay debt or invest more?Should I sell my property?
2024-06-2529 minThe Dollars & Sense Podcast#38: A FREE RESOURCE Breaking Down Your Insurance Policy/Renewal LetterWhen was the last time you opened your annual renewal letter for your personal insurance? Even if you do open them, we know from reviewing insurances with clients that all the different terms and names get confused, mistaken or completely forgotten.This weeks episode is designed to be a useful resource to save and replay each time you feel the need to review your insurance to ensure you can review with more confidence and understand what you're actually paying for. Tim breaks down the intricate details of the 5 most commonly purchased insurance products so...
2024-06-1833 minThe Dollars & Sense Podcast#37: Helping Kiwi Mums and Empowering Them With Knowledge and Guidance!In this weeks episode, we introduce Financial Adviser Terri Watson!Terri describes her passion for helping Mums gain better financial literacy and how she helps empower them with tools and confidence to improve their comfort and confidence with all things money.From humble backgrounds and personal struggles, Terri has managed to empower her own self and shares the experience which ultimately lead to her life long passion of sharing her knowledge to Mums in order to improve theirs and their families lives.If you're looking to gain some helpful insights and relatable stories...
2024-06-1237 minThe Dollars & Sense Podcast#36: The 7 Simple Rules for Long-Term InvestingYou've probably heard these "Rules" mentioned plenty of times before.......This week, Tim and Brodie discuss the 7 rules of investing: diversify, focus on long term, don't time the market, control costs, stay disciplined, don't react to past performance, and regularly review your goals. If you're looking to learn in more detail what these simple rules actually mean or why they are important to long term success, listen in and challenge your current thinking with the perspective of two financial advisers.If you have a question, suggestions, or a topic you would l...
2024-06-0440 minThe Dollars & Sense Podcast#35: Head to Head - Reverse Annuity Mortgages, Are They a Good Idea or Last Resort?This week Tim and Brodie go head to head on Reverse Annuity Mortgages. What are they? Are they a suitable option in retirement, or should they be seen as a last resort? You've probably heard the term "you can't eat your house" and cash flow can be an issue for people in retirement, so is a Reverse Annuity Mortgage a sensible option or should you stay well away from them?If you have a question, suggestions, or a topic you would like us to cover, please send an email to: podcast@foxplan.nzF...
2024-05-2841 minThe Dollars & Sense Podcast#34: The Power of Habits - Are they Getting You Closer or Taking You Further Away?Habits, not one-time choices, determine someone's position in life. This week we explore studies showing how anticipation of a reward creates habits more than the reward itself and link it to common financial habits we see working with clients. How can we use this information to break bad financial habits and form better ones, and how do we implement these changes?If you have a question, suggestions, or a topic you would like us to cover, please send an email to: podcast@foxplan.nzFor More Dollars & Sense Content: Click HereL...
2024-05-2137 minThe Dollars & Sense Podcast#33: Recession - Finally Starting To Feel The Effects, So What Can You Do About It?This week we have a straightforward discussion about the dreaded 'R' word, recession. It certainly feels like we've been dancing around the word for years now, but now we are actually starting to feel the effects. Redundancies, high interest rates, inflation, falling house prices to name a few. So what defines a recession, how does it actually impact people's lives, and more importantly - what can you do about it?If you have a question, suggestions, or a topic you would like us to cover, please send an email to: podcast@foxplan.nzFor More...
2024-05-1431 minThe Dollars & Sense Podcast#32: Inflation in 2024, Why The Numbers Don't Match Our ExperienceInflation is on everyone's mind these days. But what exactly is it, how is it calculated, and why does it feel worse than the official numbers suggest? Join us this week to explore why many Kiwis feel like inflation is higher than what we may be seeing in the media or driven by a government agenda. If you have a question, suggestions, or a topic you would like us to cover, please send an email to: podcast@foxplan.nzFor More Dollars & Sense Content: Click HereListen to all The Dollars & Sense Podcasts: C...
2024-05-0736 minThe Dollars & Sense Podcast#31: The 8 Great Investment Mistakes, Are You Guilty Of These?What are the 8 great mistakes, who is prone to them, and how do you overcome them? This week we dive head first into the world of investment and what we believe to be the biggest mistakes people do when it comes to investing, us included! Are you making any of these mistakes or have you been guilty in the past?If you have a question, suggestions, or a topic you would like us to cover, please send an email to: podcast@foxplan.nzFor More Dollars & Sense Content: Click HereListen to all...
2024-04-3035 minThe Dollars & Sense Podcast#30: Lawyer Anna Seabrook On Property With Friends, Relationship Agreements, Trusts, and WIlls.Welcome to Anna Seabrook who joins the podcast this week to discuss legal topics related to property, relationships, and estate planning! We talk about the conveyancing process when buying/selling property, what to watch out for when going into property with partners or friends, relationship property agreements, trusts, contracting out agreements, and wills. We thoroughly enjoyed having Anna from Hayman Lawyers on the show, and if you have any questions or would like to talk to Anna about your situation you can contact her at: a.seabrook@haymanlawyers.co.nz or find out...
2024-04-2339 minThe Dollars & Sense Podcast#29: Property Or Shares, What's The Best Way To Build Your Wealth?This week we weigh the pros and cons of investing in shares versus property. Outlining the benefits of each - property offers tangible assets, rental income, leverage, and control, while shares provide liquidity, diversification, dividends, accessibility, and professional management. Discussing downsides like market risk, illiquidity, and high costs for property and volatility, lack of control, intangibility, and fees for shares.So what's better?If you have a question, suggestions, or a topic you would like us to cover, please send an email to: podcast@foxplan.nzFor More Dollars & Sense Content: C...
2024-04-1442 minThe Dollars & Sense Podcast#28: Money Personalities, What Does Your Money Personality Say About You?Do you know what your money personality is? This week, Tim and Brodie discuss the different money personalities which you can find at sorted.org and look at the pros and cons of each personality. Understanding how we think about and interact with money can be incredibly helpful with changing financial behaviors and making smarter decisions.If you have a question, suggestions, or a topic you would like us to cover, please send an email to: podcast@foxplan.nzFor More Dollars & Sense Content: Click HereListen to all The Dollars & Sense Podcasts...
2024-04-0942 minThe Dollars & Sense Podcast#27: Financial MythBusters - Young People Can't Get Into a House? Breaking Down Common Financial MythsThis week Tim and Brodie debunk common financial myths that they hear as advisers. Covering offset mortgages, KiwiSaver taxes, insurance premiums, retirement debt, home affordability for young people, and more. If you have a question, suggestions, or a topic you would like us to cover, please send an email to: podcast@foxplan.nzFor More Dollars & Sense Content: Click HereListen to all The Dollars & Sense Podcasts: Click HereThe information shared on The Dollars & Sense Podcast is general in nature and does not consider your individual circumstances. Dollars & Sense exists p...
2024-04-0131 minThe Dollars & Sense Podcast#26: 5 Biggest Stock Market Crashes, A Financial History LessonIn this weeks episode join us for an informative history lesson on the biggest stock market crashes throughout the 20th and 21st centuries. Starting with the infamous 1929 stock market crash that saw the Dow Jones plummet 89% over several years right through to the short-lived 2020 coronavirus crash.Throughout the episode, hosts Tim and Brodie provide context around the factors leading to each crash, the extent of the declines, how long it took markets to recover, and what we can learn from them. If you have a question, suggestions, or a topic you would like us to c...
2024-03-2637 minThe Dollars & Sense Podcast#25: Client War Stories, Our Best and Worst Stories From Our Experience as Client Facing AdvisersWe're mixing it up this week with something a bit different! In this episode, Tim and Brodie share some inspiring, heartwarming, and cautionary client "war stories" to help listeners relate to different financial situations. Stories cover getting out of debt, avoiding bad investment advice, and realizing early retirement dreams. If you have a question, suggestions, or a topic you would like us to cover, please send an email to: podcast@foxplan.nzFor More Dollars & Sense Content: Click HereListen to all The Dollars & Sense Podcasts: Click HereThe in...
2024-03-1737 minThe Dollars & Sense Podcast#24: Jenny Cheevers - Mortgage and Home Ownership Insights from 26 Years of Experience in the IndustryIn this episode of the Dollars & Sense Podcast, hosts Tim Ellis and Brodie Haggerty have the privilege of interviewing Jenny Cheevers, a qualified Mortgage Adviser with 26 years of experience in the industry. Jenny shares insights into what she's learnt over the years and explains the home buying process, from getting pre-approved to closing. She shares tips on maintaining good credit and encourages listeners not to lose hope in their journey of getting on the property ladder.For more information and to connect with Jenny please see the following links:Website: https://www.jennycheevers.co...
2024-03-1133 minThe Dollars & Sense Podcast#23: The Symptoms of Common Financial Issues and Potential SolutionsIn this episode of the Dollars and Sense podcast, hosts Tim Ellis and Brodie Haggerty discuss common financial issues faced by clients. They address topics such as overwhelming debt, difficulty in getting ahead financially, challenges in involving partners in financial matters, concerns about helping financially irresponsible children, and the dilemma of diversifying company shares. The hosts delve into the underlying causes of these issues and provide potential solutions to help listeners overcome them. Emphasizing the importance of proactive financial planning, setting clear goals, effective risk management, open communication with partners, and making informed decisions about in...
2024-03-0538 minThe Dollars & Sense Podcast#22: Retirement Drawdown Strategies - Pros and Cons of Popular ApproachesIn this episode of the Dollars and Sense podcast, hosts Tim Ellis and Brodie Haggerty dive deep into retirement drawdown plans. They discuss three common strategies used by financial advisers and explore the pros and cons of each approach. The first strategy they discuss is the 4% rule, which suggests withdrawing 4% of your retirement investment each year. They then explore the dynamic withdrawal strategy, which adjusts the withdrawal amount based on market returns. Finally, they introduce the bucket approach, which involves having a war chest of cash to cover essential expenses during market downturns. Upcoming Seminars: h...
2024-02-2739 minThe Dollars & Sense Podcast#21: What Does Working With a Financial Adviser Actually Look Like? Strategies (Part 3/3)This is the final episode of our three-part series on what it looks like working with a Financial Adviser. Following on from the theme of last week, this episode focuses on the key strategies we use when providing financial advice. This week we focus on confidence through investment management and certainty through risk management. If you have a question, suggestions, or a topic you would like us to cover, please send an email to: podcast@foxplan.nzFor More Dollars & Sense Content: Click HereListen to all The Dollars & Sense Podcasts: Click Here
2024-02-2036 minThe Dollars & Sense Podcast#20: What Does Working With a Financial Adviser Actually Look Like? Strategies (Part 2/3)Welcome to part two of our three-part series on what it looks like working with a Financial Adviser. Now that we've got the process out of the way, this episode focuses on the key strategies we use when providing financial advice. This week we focus on the first strategy in our system - cash management. If you have a question, suggestions, or a topic you would like us to cover, please send an email to: podcast@foxplan.nzFor More Dollars & Sense Content: Click HereListen to all The Dollars & Sense Podcasts: Click H...
2024-02-1323 minThe Dollars & Sense Podcast#19: What Does Working With a Financial Adviser Actually Look Like? Process (Part 1/3)Welcome to the second season of The Dollars and Sense Podcast!Reflecting on some of the highlights of our first season, we're cranking up the dial on practical guidance for grappling with real-life challenges as we shine a spotlight on the six-step process of financial advice, and what that means for clients.We wanted to answer the questions - what does working with a Financial Adviser look like, and what are some of the key strategies throughout the process that our listeners can benefit from? If you have a question, suggestions, or a t...
2024-02-0637 minThe Dollars & Sense Podcast#18: Our Controversial View on Cryptocurrency, and Why Investments Don't MatterWelcome to another episode of The Dollars & Sense Podcast, where it is our mission to increase the financial literacy of our listeners with our experience as qualified Financial Advisers.On this week's episode of the podcast, join Tim and Brodie as they talk through a frequently requested topic - Cryptocurrency! They also spend time unpacking their argument that "investments don't matter" and why they think this.If you have a question, suggestions, or a topic you would like us to cover, please send an email to: podcast@foxplan.nzFor More Dollars & Sense...
2024-01-3038 minThe Dollars & Sense Podcast#18: Our Controversial View on Cryptocurrency, and Why Investments Don't MatterWelcome to another episode of The Dollars & Sense Podcast, where it is our mission to increase the financial literacy of our listeners with our experience as qualified Financial Advisers.On this week's episode of the podcast, join Tim and Brodie as they talk through a frequently requested topic - Cryptocurrency! They also spend time unpacking their argument that "investments don't matter" and why they think this. Tune in!If you have a question, suggestions, or a topic you would like us to cover, please send an email to: podcast@foxplan.nzFor More...
2024-01-3046 minThe Dollars & Sense Podcast#17: Blake Chamberlain - Accounting and Wealth Management, Beyond The Balance SheetThis week Tim & Brodie welcome Blake Chamberlain, Director of FoxPlan Accounting & Wealth Management.Not just about the numbers, Blake believes in going beyond the data to make it clear what clients businesses need to accomplish so they can obtain the lifestyle they work so hard towards.In this episode, we chat about why Blake became an accountant, and why he does things differently to a lot of the industry. We look at who needs an accountant, and what the different types are, as well as some handy things to do or to avoid for anyone looking...
2024-01-2238 minThe Dollars & Sense Podcast#16: Dave Copson - Head of Growth at Booster, All Things KiwiSaver & Financial LiteracyThis week Brodie and Tim welcome Dave Copson, Head of Growth at Booster to The Dollars and Sense Podcast. Booster is one of the leading KiwiSaver providers in New Zealand, and one of the default government providers. Winning a plethora of awards over the years, such as being recognised as a Responsible Investment Leader by RIAA, and winner of the Canstar Outstanding Value – Aggressive KiwiSaver Fund in 2021 to name a few.Dave is an integral part of the reason for Boosters success over the years, and we were excited to have him on to discuss all thi...
2024-01-1652 minThe Dollars & Sense Podcast#15: Ben Brinkerhoff - Consilium Head of Advice, The Investment Philosophy They Never Teach YouThis week Brodie and Tim welcome Ben Brinkerhoff from Consilium to The Dollars and Sense Podcast. Ben has spent time in the US as a Senior Economic Consultant at Bates White, Economic Manager at Qatar Economic Zones, COO at Index Fund Advisers.With his extensive industry experience, we chat about the importance of independent advice, all things investment philosophy, and the future of investment in New Zealand. This episode is packed with great insights and we were incredibly grateful to have Ben share his wealth of knowledge on this weeks episode. For More Dollars & Sense Content: C...
2024-01-0947 minThe Dollars & Sense Podcast#14: Why You Should Not Invest in Gold...On this week's episode of The Dollars & Sense Podcast, join Tim and Brodie as they have a chat about why you should avoid investing in gold, how to navigate inheritance, and a quick math lesson on what standard deviation is and why it matters in investing.If you have a question, suggestions, or a topic you would like us to cover, please send an email to: podcast@foxplan.nzFor More Dollars & Sense Content: Click HereListen to all The Dollars & Sense Podcasts: Click HereThe information shared on...
2023-12-1934 minThe Dollars & Sense Podcast#13: Jesse Abolins - Wrap Innovations, Unwrapping Successful Business OwnershipJump into this week's episode with special guest Jesse Abolins to hear all about how he runs his successful car wrapping business in Wellington. Discover how both mindset and planning play an important role in business ownership!Visit Jesse's Website: Click HereFollow Jesse's Business: Click HereIf you have a question, suggestions, or a topic you would like us to cover, please send an email to: podcast@foxplan.nzFor More Dollars & Sense Content: Click HereListen to all The Dollars & Sense Podcasts: Click HereThe...
2023-12-1238 minThe Dollars & Sense Podcast#12: John Killick - Founder of FoxPlan, 50 Years of Wisdom in Financial ServicesThis week Brodie and Tim welcome John Killick to The Dollars and Sense Podcast to talk about John's fascinating perspectives on the financial services industry, exploring his journey as a Financial Planner and the unique experiences that paved the way for his chosen path.If you have a question, suggestions, or a topic you would like us to cover, please send an email to: podcast@foxplan.nzFor More Dollars & Sense Content: Click HereListen to all The Dollars & Sense Podcasts: Click HereThe information shared on The Dollars & Sense Podcast...
2023-12-0543 minThe Dollars & Sense Podcast#11: How to Succeed with New Years ResolutionsOn this episode of The Dollars and Sense Podcast, Brodie and Tim discuss some condusive strategies for achieving your goals New Years resolutions, whether or not you need medical insurance, and they end it off with financial mistakes; both their own and ones they've seen.Topic Timestamps1:35 - New Years Resolutions13:56 - Medical Insurance, Do You Need It?28:00 - Biggest Financial MistakesIf you have a question, suggestions, or a topic you would like us to cover, please send an email to: podcast@foxplan.nzFor More Dollars & Sense Content...
2023-11-2835 minThe Dollars & Sense Podcast#10: "KiwiSaver Loses $1B on Negative Returns" - Media Fearmongering UnpackedOn this week's episode of The Dollars & Sense Podcast, Tim and Brodie discuss the difference between a loss in your investments and a drop in value, whether or not you should contribute more to your KiwiSaver, and finish it off with multiple fund managers - good or bad?Topic Timestamps1:45 - The Difference Between Loss and Drop in Value14:33 - KiwiSaver Contribution Rates22:15 - Multiple Fund ManagersIf you have a question, suggestions, or a topic you would like us to cover, please send an email to: podcast@foxplan.nz...
2023-11-2129 minThe Dollars & Sense Podcast#9: Kane Chamberlain - Qualified Builder, The Do's and Dont's of Building Your Wealth with PropertyIn this special episode of The Dollars & Sense Podcast, Brodie and Tim welcome their first guest; the Founder/Owner of BIM Projects Limited, Kane Chamberlain. With 20 years of experience, Kane is a local expert in residential building. He is the proud owner of a 100% New Zealand-owned company.Brodie and Tim take this opportunity to get the answers to questions you might want to know related to building your own home or investment property, who needs to be involved, the common pitfalls, finding a trustworthy builder, industry trends, and much more.If you have some questions that...
2023-11-1432 minThe Dollars & Sense Podcast#8: Increase Mortgage Payments or Invest: Which is Better?This week on The Dollars & Sense Podcast, Brodie and Tim discuss the financial implications of going down to one income, exploring whether you should pay more off your mortgage rather than investing while interest rates are high, and financial wellbeing in the workplace. Topic Timestamps1:20 - Going down to one income10:50 - Paying down your mortgage or investing21:55 - Financial wellbeing in the workplaceIf you have a question, suggestions, or a topic you would like us to cover, please send an email to: podcast@foxplan.nzFor More Dollars & S...
2023-11-0730 minThe Dollars & Sense Podcast#7: "Economists Have Predicted 9 of the Last 5 Recessions" - Block Out The Noise.This week on The Dollars & Sense Podcast, Brodie and Tim discuss the importance of blocking out media noise when making investment decisions, avoiding the urge to react impulsively to market trends, and sharing quick financial tips to help you get ahead.Topic Timestamps1:50 - Blocking out the noise9:00 - Itch to Switch17:43 - Quick WinsIf you have a question, suggestions, or a topic you would like us to cover, please send an email to: podcast@foxplan.nzFor More Dollars & Sense Content: Click HereListen to all...
2023-10-3126 minThe Dollars & Sense Podcast#6: When More Isn't Better: Lifestyle CreepThis week on The Dollars & Sense Podcast, Brodie and Tim discuss a recent study done by Massey that looks into how much you are going to need for retirement, followed up by a breakdown of lifestyle creep and how to avoid it, and then some more quick wins to get ahead with your finances!Topic Timestamps1:10 - Retirement Guidelines (How much $$$ you need for retirement)11:30 - Lifestyle Creep 20:50 - Quick WinsIf you have a question, suggestions, or a topic you would like us to cover, please send an email to: podcast@f...
2023-10-2426 minThe Dollars & Sense Podcast#5: The Eighth Wonder of the World: Compound InterestThis time round on the dollars & sense podcast, Brodie and Tim discuss the power of compounding, structuring your bank accounts efficiently, and as per usual they offer some quick financial wins for the listeners.Topic Timestamps1:00 - Compound Interest12:50 - Quick Wins 20:50 - Account StructureIf you have a question, suggestions, or a topic you would like us to cover, please send an email to: podcast@foxplan.nzFor More Dollars & Sense Content: Click HereListen to all The Dollars & Sense Podcasts: Click HereThe information s...
2023-10-1728 minThe Dollars & Sense Podcast#4: Strategic Investing: Lump Sum, Monthly, or Timing the Market?Join Tim and Brodie for this week's three financial topics! We'll kick things off by diving into lump sum investing vs. dollar cost averaging vs. market timing. After that, we'll dissect the current landscape of rising mortgage interest rates. And to top it all off, stay tuned for our expert tips on quick financial wins that can supercharge your wealth-building journey.Topic Timestamps1:20 - 3 Different Investment Strategies12:10 - Increasing Mortgage Interest Rates22:40 - Quick WinsCheck your Credit Score: Click HereIf you have a question, suggestions, or...
2023-10-1032 minThe Dollars & Sense Podcast#3: Unpacking the Pros and Cons of Socially Responsible InvestingThis week we explore three exciting financial topics; The pros and cons of socially responsible investing, what a Financial Adviser is and who could benefit from one, and finally we address the common question "why not just invest in the S&P500?" Topic Timestamps 1:15 - Socially Responsible Investing (SRI/ESG)13:25 - "What is a Financial Adviser?" & "Who can benefit from a Financial Adviser?"27:00 - "Why not just invest in the S&P500?"The Randomness of Global Returns Table: https://bit.ly/46A9EzgKiwiSaver Responsible Investment Checker: https://bit.ly/3M8mvRt
2023-10-0236 minThe Dollars & Sense Podcast#2: NZ Financial Literacy - Could You Pass This Test?Let's dive into today's topics: Mandatory financial education in New Zealand schools, building an education fund for your children, investing in term deposits vs equities, a de-jargoning session, and finally; the rising costs of insurance, why it's happening and what you can do about it."How financially literate is New Zealand?""How to pay for my children's education?""Should I invest in term deposits or equities?""What does S&P500 mean?""Why are my insurance premiums increasing?"If you have a question, suggestions, or a topic you would like us to...
2023-09-2637 min
The Dollars & Sense Podcast#1: DIY KiwiSavers, Are You Better Than The Average Investor?Today on the first episode of The Dollars & Sense Podcast, we're delving into DIY KiwiSavers, using your KiwiSaver balance for rental bonds, how to find trustworthy financial advice, and building a secure future while having fun along the way."Is taking control of my KiwiSaver a good idea?" "Should I use my KiwiSaver balance for a rental bond?" "How can I be sure the financial advice I receive is reliable?" "Can I still enjoy my life while securing my financial future?" If you have a question, suggestions, or a topic you would like...
2023-09-1933 min