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 while accountants reconcile the past. Ray and Malissa highlight how innovative approaches like the "cash out and re-contribute" superannuation strategy can save beneficiaries up to $300,000 in taxes. This is knowledge most people simply don't have access to without professional guidance. 

Perhaps most valuable is their insight into creating a financial ecosystem where advisors, accountants, and brokers collaborate to maximise client outcomes. This comprehensive approach protects against government policy changes while ensuring all aspects of your financial health are optimised. Whether you're struggling with debt, uncertain about retirement, or simply wanting to make better use of your income, this episode proves that financial planning isn't a luxury, it's an essential resource for building the future you deserve. 

Follow us for more property news and mortgage advice!

▸Website - https://itssimple.com.au
▸Instagram - https://www.instagram.com/itssimplefinance/
▸Facebook - https://www.facebook.com/itssimplefinance/
▸LinkedIn - https://www.linkedin.com/company/itssimple/

DISCLAIMER This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs before acting on it.