Lucas and Jared go head to head. More forced savings for a bigger nest egg, or lower contributions and freedom to invest elsewhere. Plus why automatic investing and compounding matter more than the rate itself.

General information only, not personal financial advice.

Practical Wealth, brought to you by Invicta Financial.

From a casual chat to a nationwide firm. The Invicta story with Tom.

Lucas sits down with co-founder Tom on how Invicta started, why it grew faster than planned, the shift to digital, and the vision to build one umbrella brand for all things money in New Zealand.

Practical Wealth, brought to you by Invicta Financial.

The life insurance and KiwiSaver myths costing Kiwis thousands.

Lucas and Jared bust the biggest myths Kiwis believe about life insurance and KiwiSaver. If you're into investing or sorting the right cover, this one's a must listen.

General information only, not personal financial advice.

Practical Wealth, brought to you by Invicta Financial.

Contact us to chat

This episode of Practical Wealth. Jared sits down with Orion, a former real estate agent who made the jump into financial advice.

Orion talks through why he walked away from property, what pulled him into advice, and how the two worlds compare. The skills that carried over, the ones that didn't, and what he wishes he knew earlier.

If you're thinking about a career change, or you're weighing up real estate against financial advice, this one's for you.

In this episode:

• Why Orion left real estate
• What drew him to financial advice
• How selling houses compares to helping clients plan their future
• The hardest part of the switch
• His advice for anyone thinking about the move

Practical Wealth is brought to you by Invicta Financial.

Subscribe for new episodes every Monday.

Invictafinancial.co.nz

Most Kiwis set their KiwiSaver up once and never touch it again. That decision can cost you hundreds of thousands by retirement.

In this episode of Practical Wealth, Lucas Yeung and Jared Wilson break down how KiwiSaver actually works, the difference fund choice makes over 30 years, and the questions you should be asking your provider right now.

We cover:

• Why your fund type matters more than your balance
• The default fund trap
• Contribution rates and what they really mean for retirement
• When it makes sense to get advice on your KiwiSaver

Practical Wealth is brought to you by Invicta Financial, a licensed Financial Advice Provider (FSP1003084). This episode is general information only and is not financial advice. Talk to a financial adviser before making decisions about your KiwiSaver.

Book a free KiwiSaver review: KiwiSaver Review

Follow us on Spotify, YouTube and Instagram.

Episode 3 of Practical Wealth.

National has proposed making KiwiSaver compulsory if they win the next election. Big change for every working Kiwi.

Lucas and Jared break it down. The case for. The case against. Who wins, who loses, and what it means for your pay and your retirement.

No spin. Both sides.

General information only, not personal financial advice.

Practical Wealth is brought to you by Invicta Financial.

Episode 2 of Practical Wealth.

We sit down with Jared, one of Invicta's top advisers, on the reality of building a career in financial advice. The early grind, the moment he nearly walked, and what turned it around.

Honest, practical, and built for anyone thinking about backing themselves in this industry.

Practical Wealth is brought to you by Invicta Financial.

Episode 1 of Practical Wealth. Lucas Yeung shares the story behind Invicta Financial, from the early grind to building a growing national advice firm. Honest lessons on starting out, backing yourself, and what it actually takes to build something in New Zealand financial services.