👉 Whether you're a first home buyer or expanding your portfolio, Atelier Wealth can help. Book a discovery session with a mortgage broker here: https://calendly.com/atelier-wealth-discovery-team  

👉 For everything you need to know about getting a loan approved and buying a property, read the Happy Home Loan Handbook by Aaron Christie-David. Get a FREE chapter here: https://atelierwealth.com.au/the-happy-home-loan-handbook/

Can a financial planner really change your property future? In this episode, we challenge the myths, fears, and fallacies stopping Australians from building real wealth, especially when cash flow feels tight and risk feels high.

Today, I’m joined by Nazar Pochynok & Julien Renard, two of the sharpest financial planners in the game, to unpack the strategies behind how to buy your first investment property in Australia and hold it successfully long term. This isn’t theory… it’s real talk about money behaviours, income, tax, lifestyle planning, and building wealth with purpose.

In this episode, you’ll learn:

• Why cash flow, not location, kills most portfolios
• How financial planners convert income + equity into predictable outcomes
• The truth about the “150K passive income” fallacy
• Property strategy vs. property product, why most people get it backwards
• How to protect your job, income & future lifestyle

If this episode hit home, subscribe, drop a comment, and share it with someone who needs it.

Key Moments:
00:00 Why Investors Panic About Cash Flow
02:15 Broker vs Buyer’s Agent vs Planner
05:40 Shares vs Property, What Works?
08:35 Do You Earn Enough for a Planner?
11:25 Who Controls Your Cash Flow?
15:50 Why Buyer’s Agents Aren’t First
20:10 Strategy Before Searching
25:21 DIY vs Done-for-You Wealth
30:01 The $150K Passive Income Myth
33:15 Wealth With Purpose & Longevity
36:43 Capital Growth vs Cash Flow
41:22 Couples & Money Psychology
45:16 Why Advice Comes After Mistakes
50:02 What Financial Literacy Looks Like
58:30 Should You DIY or Hire a Planner?
01:00:09 Why Coaching Isn’t One-Size-Fits-All

About Aaron:

Aaron-Christie David founded Atelier Wealth, a Mortgage & Finance Association of Australia (MFAA) approved Mortgage Broker. Aaron’s focus is clear – supporting property investors to make confident decisions to build their property portfolio. He has been recognised in the MPA Top 100 Broker rankings for the last three years.

With over 10 years of financial services experience, with a career spanning Wizard Home Loans and Commonwealth Bank, Aaron's decision to become a broker was to help more Australians fearlessly buy investment properties to achieve intergenerational wealth.

Connect with Aaron:

Visit the website: https://atelierwealth.com.au/

Follow the Australian Investment Property Podcast’s Official Instagram account: https://www.instagram.com/aupropertyinvestmentpodcast/

Follow Aaron on Facebook:
https://www.facebook.com/aaronchristiedavid

Follow Aaron on LinkedIn:
https://www.linkedin.com/in/aaronchristiedavid/

Subscribe to Atelier Wealth’s YouTube Channel:
https://www.youtube.com/@atelierwealth_au