Back by popular demand is our friend and Recruitment Partner, Rose-Marie (Rosey) Nathan, to chat about navigating your career through a recession. 

With over 20 years of experience across various industries, Rosey has a deep understanding of the needs and goals of both candidates and organisations. She's our go-to for all things career & money. 

In this episode, Rosey answers all your career questions. We chat about:

• What Rosey is currently seeing in the employee/employer market, incl. if now is a "bad" time to be looking for a job 
• Why employers have been taking jobs off the market, and the knock on effect of this 
• Why strong employer brands matter
• How employers can support employees to grow into new roles, and; 
• What you can do as the employee to show your employer you're worth the "risk" (aka deserve the promotion)
• How to gain clarity over your career path, and why this can prevent you from burning out 
• Whether it's appropriate to be asking for a pay rise in today's market, esp. if you are a high performer 
• Tips for marketing yourself as a candidate
• Tips to help prepare for an upcoming pay rise
• What the role of external industry data plus a company's financials is in a pay rise conversation 
• How redundancy works in NZ, plus tips for navigating it 
• What a standard maternity leave in NZ is
• Finding the balance between being content and ambitious when it comes to your career 

A few great resources & stats mentioned on the podcast are: 

• Seek's state of the nation monthly report
• Stats NZ Employment Indicators
• Redundancy - check out Employment NZ for more info 
• Parental leave - more info on: Overview of the policy, paid parental leave period, IRD information
• Article - Why you should ditch your side hustle
• Stats referenced by Rosey: Ne

If you enjoyed today's show, we'd LOVE for you to rate & review it on Apple Podcasts and share your favourite episode with a friend.

SUBSCRIBE to It's No Secret, wherever you listen to podcasts and never miss an episode: Apple Podcasts - Spotify

Follow us for fun chat & financial tidbits on IG: @itsnosecretnz
Got questions? Get in touch: www.itsnosecret.co.nz

Disclaimer:
Investing involves risk including the possible loss of principal and there is no assurance that the investment will provide positive performance over any period of time.

The information provided should not be relied upon as investment advice or recommendations and should not be considered specific legal, investment or tax advice.

Any information we provide is general only and current at the time of writing.

Kernel Wealth Limited is the manager and issuer of the Kernel KiwiSaver Plan and Kernel Funds scheme. The Product Disclosure Statements are available at www.kernelwealth.co.nz

In today's Money Moments episode, we're joined by Rachel Arcos, Automation Engineer, avid podcast listener, and big financial spreadsheet fan!

Immigrating to NZ when she was young, we chat to Rachel about her and her family's experience with money growing up. From how this played into her career choice, and the way she manages money as an individual and now in a couple. 

In this episode, we chat about:

• Rachel's parents' approach to money, including working 2 jobs to ensure the kids had more opportunities
• How her family influenced Rachel's decision to pursue a career in engineering 
• The lessons she took away from her mum as the Family CFO
• Why she priorities traveling as her no.1 money expense
• The balance between being paid well and doing what you love
• Combining money with her fiancé, including taking on 1/2 the mortgage repayments 
• Whether tracking your finances down to the cent is constructive or not 

And there is plenty more goodness in there, so start listening now! 

If you enjoyed today's show, we'd LOVE for you to rate & review it on Apple Podcasts and share your favourite episode with a friend.

SUBSCRIBE to It's No Secret, wherever you listen to podcasts and never miss an episode: Apple Podcasts - Spotify

Follow us for fun chat & financial tidbits on IG: @itsnosecretnz
Got questions? Get in touch: www.itsnosecret.co.nz

Disclaimer:
Investing involves risk including the possible loss of principal and there is no assurance that the investment will provide positive performance over any period of time.

The information provided should not be relied upon as investment advice or recommendations and should not be considered specific legal, investment or tax advice.

Any information we provide is general only and current at the time of writing.

Kernel Wealth Limited is the manager and issuer of the Kernel KiwiSaver Plan and Kernel Funds scheme. The Product Disclosure Statements are available at www.kernelwealth.co.nz

Whether we're in a recession or not, a lot of us will probably agree that our budgets are feeling a bit tighter lately, and you're not wrong. From groceries all the way to mortgages, many Kiwis are feeling more and more worried about their money situations.

But what can you do during more expensive times like this? Tune into this episode where we'll be chatting through exactly that.

In this episode, we cover:

• A few key money stats, including what Kiwi households are the most worried about
• What the data says about how Kiwis are investing when things are more expensive
• The difference in living costs between New Zealand and Australia, particularly for your everyday grocery items
• What you can do to get ahead financially during expensive times like this

If you enjoyed today's show, we'd LOVE for you to rate & review it on Apple Podcasts and share your favourite episode with a friend.

SUBSCRIBE to It's No Secret, wherever you listen to podcasts and never miss an episode: Apple Podcasts - Spotify

Follow us for fun chat & financial tidbits on IG: @itsnosecretnz
Got questions? Get in touch: www.itsnosecret.co.nz

Disclaimer:
Investing involves risk including the possible loss of principal and there is no assurance that the investment will provide positive performance over any period of time.

The information provided should not be relied upon as investment advice or recommendations and should not be considered specific legal, investment or tax advice.

Any information we provide is general only and current at the time of writing.

Kernel Wealth Limited is the manager and issuer of the Kernel KiwiSaver Plan and Kernel Funds scheme. The Product Disclosure Statements are available at www.kernelwealth.co.nz

Helloooo and welcome to this episode of Money Moments, where we chat with real Kiwis about their experiences with money. Today, we've got Tim Rodriguez, Marketing Coordinator and  Gen Z'er spilling the tea on his personal finance journey.

Tim's love for all things business and finance inspired him to prioritize his personal finance journey right out of uni - so much so he even ended up working in the FinTech space! 

Join us as we chat with Tim to hear about the valuable lessons he's learned from his uni days as well as navigating the transition into working life as a graduate.

Specifically, we chat about:

• What it was like to be the "Flat CFO", i.e. the person who managed the flat's expenses while he was at uni
• The realities and challenges of landing a graduate role during the first wave of the pandemic
• His decision to pursue a business degree instead of traditional Filipino career paths like law or medicine
• How he budgets his money using the paye.net.nz website, several accounts and looots of automatic payments 

And there is plenty more goodness in there, so start listening now! 

If you enjoyed today's show, we'd LOVE for you to rate & review it on Apple Podcasts and share your favourite episode with a friend.

SUBSCRIBE to It's No Secret, wherever you listen to podcasts and never miss an episode: Apple Podcasts - Spotify

Follow us for fun chat & financial tidbits on IG: @itsnosecretnz
Got questions? Get in touch: www.itsnosecret.co.nz

Disclaimer:
Investing involves risk including the possible loss of principal and there is no assurance that the investment will provide positive performance over any period of time.

The information provided should not be relied upon as investment advice or recommendations and should not be considered specific legal, investment or tax advice.

Any information we provide is general only and current at the time of writing.

Kernel Wealth Limited is the manager and issuer of the Kernel KiwiSaver Plan and Kernel Funds scheme. The Product Disclosure Statements are available at www.kernelwealth.co.nz

In today's Money Moments episode, we're joined by Ryan Potter, friend, Senior Front End Developer, and all round good guy. 

We chat to Ryan about his journey with money - the good and the not-so-good - plus dig into what he's learned in his 10+ year career as a developer. 

Specifically, we chat about:

• What it was like graduating into a recession in NZ and starting at $33k in 2010 
• His strategy in negotiating salaries and  expected salary ranges for the different experience levels of Front End Developers
• Why Ryan thinks that side hustles aren't worth the time investment 
• Why it's vital to always be learning, especially in the tech space
• What it's like buying a home as the sole income earner in a de facto relationship without an agreement

And there is plenty more goodness in there, so start listening now! 

If you enjoyed today's show, we'd LOVE for you to rate & review it on Apple Podcasts and share your favourite episode with a friend.

SUBSCRIBE to It's No Secret, wherever you listen to podcasts and never miss an episode: Apple Podcasts - Spotify

Follow us for fun chat & financial tidbits on IG: @itsnosecretnz
Got questions? Get in touch: www.itsnosecret.co.nz

Disclaimer:
Investing involves risk including the possible loss of principal and there is no assurance that the investment will provide positive performance over any period of time.

The information provided should not be relied upon as investment advice or recommendations and should not be considered specific legal, investment or tax advice.

Any information we provide is general only and current at the time of writing.

Kernel Wealth Limited is the manager and issuer of the Kernel KiwiSaver Plan and Kernel Funds scheme. The Product Disclosure Statements are available at www.kernelwealth.co.nz

Aaand we're back for part two of our creating a financial plan series with Lighthouse Financial. 

If you haven't listened to part one, stop right now and go back to our previous episode. It's one not to miss. Plus this podcast will probably make a lot more sense after listening to the first one too.

Without further ado, let's jump right back in as Christine and her partner Ollie are put on the hot seat as Wealth Director & Financial Adviser, James Blair, takes them through the 2nd part of their financial plan.

In this episode they cover:

• The pros and cons of buying a house vs investing in shares and the forecasted scenarios of both options
• Why insurance is a great option to consider, especially for the peace of mind and how much it costs
• The forecast scenarios of different scenarios for their wealth

If you enjoyed today's show, we'd LOVE for you to rate & review it on Apple Podcasts and share your favourite episode with a friend.

SUBSCRIBE to It's No Secret, wherever you listen to podcasts and never miss an episode: Apple Podcasts - Spotify

Follow us for fun chat & financial tidbits on IG: @itsnosecretnz
Got questions? Get in touch: www.itsnosecret.co.nz

Disclaimer:
Investing involves risk including the possible loss of principal and there is no assurance that the investment will provide positive performance over any period of time.

The information provided should not be relied upon as investment advice or recommendations and should not be considered specific legal, investment or tax advice.

Any information we provide is general only and current at the time of writing.

Kernel Wealth Limited is the manager and issuer of the Kernel KiwiSaver Plan and Kernel Funds scheme. The Product Disclosure Statements are available at www.kernelwealth.co.nz

Our podcast is all about having real, honest conversations about money. We believe that talking openly about our personal finances is the first step to building a better financial future for ourselves and our community.

That's why this week and next, we're bringing you a two-part financial planning series in collaboration with Lighthouse Financial.  Christine and her partner Ollie are put in the hot seat as Wealth Director & Financial Adviser, James Blair, takes them through a financial plan together.

This episode in particular is likened to a first adviser-client meeting, where James understands Christine & Ollie’s financial goals, ambitions and intended direction.
More specifically, they chat about:

• Christine & Ollie’s short, medium and long-term financial goals
• The lay of the land - where are they currently sitting financially
• How much they’re saving on a fortnightly basis, and what they’re doing with it
• How their investment portfolio is split between assets
• Knowing when to consider investing in property or not
• How a financial plan works, including the next steps

If you enjoyed today's show, we'd LOVE for you to rate & review it on Apple Podcasts and share your favourite episode with a friend.

SUBSCRIBE to It's No Secret, wherever you listen to podcasts and never miss an episode: Apple Podcasts - Spotify

Follow us for fun chat & financial tidbits on IG: @itsnosecretnz
Got questions? Get in touch: www.itsnosecret.co.nz

Disclaimer:
Investing involves risk including the possible loss of principal and there is no assurance that the investment will provide positive performance over any period of time.

The information provided should not be relied upon as investment advice or recommendations and should not be considered specific legal, investment or tax advice.

Any information we provide is general only and current at the time of writing.

Kernel Wealth Limited is the manager and issuer of the Kernel KiwiSaver Plan and Kernel Funds scheme. The Product Disclosure Statements are available at www.kernelwealth.co.nz

Today on the podcast Cat is joined by Tim Edwards, the Managing Director and Global Head of Index Investment Strategy at S&P Dow Jones Indices (S&P DJI). Tim hails from London and has vast experience working in derivatives all through to global equities. His team crunch data on over 2 million indices per day!

In this episode we cover:

• The history of S&P Dow Jones Indices and why it was created
• Why Tim chose to study a PhD in Mathematics 
• The importance of creating a well-thought-out plan when it comes to investing
• S&P DJI’s latest research and what this says about the great active vs passive investing debate

If you enjoyed today's show, we'd LOVE for you to rate & review it on Apple Podcasts and share your favourite episode with a friend.

SUBSCRIBE to It's No Secret, wherever you listen to podcasts and never miss an episode: Apple Podcasts - Spotify

Follow us for fun chat & financial tidbits on IG: @itsnosecretnz
Got questions? Get in touch: www.itsnosecret.co.nz

Disclaimer:
Investing involves risk including the possible loss of principal and there is no assurance that the investment will provide positive performance over any period of time.

The information provided should not be relied upon as investment advice or recommendations and should not be considered specific legal, investment or tax advice.

Any information we provide is general only and current at the time of writing.

Kernel Wealth Limited is the manager and issuer of the Kernel KiwiSaver Plan and Kernel Funds scheme. The Product Disclosure Statements are available at www.kernelwealth.co.nz

Hello and welcome to a super special episode of It's No Secret - why is it so special you may ask? It's because we have a few milestones that we'll be celebrating!

Firstly, today is the two-year anniversary of the podcast (woohoo!). Can you believe that it’s been two years already since we’ve been chatting away? The second milestone is that we are juuust about to hit 100k downloads! It’s hard to believe we’ve reached 100,000 people (that we know of). And the final celebration point today is that it is International Women’s Day in NZ. How cool that we get to celebrate 2 big achievements on this awesome day!

So, in light of all these milestones we thought we’d reflect on the two years that have been and share 5 timeless money lessons we’ve each learned since starting the podcast.

In this episode we cover:

• Our top 5 timeless money lessons...we're not going to spoil it and tell you what they are yet. 
• Having the courage to ask others for a salary reference point, especially if you're foreign 
• Owning who you are and shaping your money around it 

...and so much more. 

If you enjoyed today's show, we'd LOVE for you to rate & review it on Apple Podcasts and share your favourite episode with a friend.

SUBSCRIBE to It's No Secret, wherever you listen to podcasts and never miss an episode: Apple Podcasts - Spotify

Follow us for fun chat & financial tidbits on IG: @itsnosecretnz
Got questions? Get in touch: www.itsnosecret.co.nz

Disclaimer:
Investing involves risk including the possible loss of principal and there is no assurance that the investment will provide positive performance over any period of time.

The information provided should not be relied upon as investment advice or recommendations and should not be considered specific legal, investment or tax advice.

Any information we provide is general only and current at the time of writing.

Kernel Wealth Limited is the manager and issuer of the Kernel KiwiSaver Plan and Kernel Funds scheme. The Product Disclosure Statements are available at www.kernelwealth.co.nz

Today on the podcast we're back with another Money Moments episode with Cat & Christine. Money Moments is where we chat with real Kiwis about their journey with money. 

In our case, it's an update on what happened after the Christmas break, how our international trips went, and what we've been up to with our finances since then.

Specifically, we chat about: 

• What challenges we faced on our overseas trips and why we're even bigger fans of travel insurance
• Why Christine is thinking of selling her Kernel funds to invest in private equity
• What it's like for Cat to be back at work while balancing the mum life
• The steps were taking to regain control of our finances
• What our goals are for the short and medium-term

If you enjoyed today's show, we'd LOVE for you to rate & review it on Apple Podcasts and share your favourite episode with a friend.

SUBSCRIBE to It's No Secret, wherever you listen to podcasts and never miss an episode: Apple Podcasts - Spotify

Follow us for fun chat & financial tidbits on IG: @itsnosecretnz
Got questions? Get in touch: www.itsnosecret.co.nz

Disclaimer:
Investing involves risk including the possible loss of principal and there is no assurance that the investment will provide positive performance over any period of time.

The information provided should not be relied upon as investment advice or recommendations and should not be considered specific legal, investment or tax advice.

Any information we provide is general only and current at the time of writing.

Kernel Wealth Limited is the manager and issuer of the Kernel KiwiSaver Plan and Kernel Funds scheme. The Product Disclosure Statements are available at www.kernelwealth.co.nz