The Wealth Guide Podcast

By Ray Regmi

Welcome to The Wealth Guide Podcast, where we discuss and explore ways of helping individuals and businesses achieve their financial goals.

Discover a plethora of knowledge in each episode f

... more

· Business

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FAQs about The Wealth Guide Podcast:

How many episodes does The Wealth Guide Podcast have?

The podcast currently has 54 episodes available.

The Wealth Guide Podcast episodes:

July 14, 2024 Tax Hacks: Slash Your Tax Bill by 75% With These 7 Clever Strategies | Ep. 33
In this episode, Ray shares two case studies that show the 7 most effective tax strategies for maximising financial growth and minimising tax liabilities: concessional, catch-up concessional, negative gearing, depreciation, investment bonds, surplus cashflow placed into an offset account, and income protection.
He talks about the need to understand the purpose behind tax minimisation, how to utilise superannuation contributions to reduce tax liabilities, and the benefits of diversifying investments to achieve long-term growth.
Ray also discusses using investment bonds for tax-effective savings, the importance of income protection, and how to structure investments to align with personal goals.
If you want to learn how to keep more of your hard-earned money through smart tax planning, then make sure to listen to this episode!

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SHOW NOTES LINKS
https://au.linkedin.com/in/ray-regmi-3a267539
https://rykercapital.com.au/
https://au.linkedin.com/company/ryker-capital
https://www.instagram.com/rykercapital/
https://www.tiktok.com/ryker
https://www.facebook.com/profile.php?id=100054854616452

-----

LISTEN TO THE PODCAST
Spotify: https://spoti.fi/3qJL8w4
Apple Podcast: https://apple.co/3QPF3ch
Amazon Music: https://amzn.to/3YMZjgD
Google Podcast: https://bit.ly/3swIVEF

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FIND US HERE
Facebook: https://bit.ly/3RsO5Mr
LinkedIn: https://bit.ly/3Rs0Qah
Instagram: https://bit.ly/46kZvGp
TikTok: https://bit.ly/3PSbK7U
YouTube: https://bit.ly/3rsKxPG

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CONTACT US
[email protected]
Client Enquiries: 1300 179 537
Careers & Press: 1300 179 537

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TIME STAMPS:
00:00 - Intro
01:07 - Tax Minimising Strategies
03:48 - Client Case Study: Michelle & Josh's Story
07:54 - Client Case Study: David & Tara's Story
14:48 - Conclusion

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DISCLAIMER
The information provided in this podcast is for general purposes only and should not be considered personal advice. Always consult with qualified professionals or experts in the relevant field for personalised advice tailored to your specific situation.
...more
16min
June 30, 2024 Is Australia Headed for an Economic Crash? ft. Nathan Lim | Ep. 32
In this episode, we're joined again by Nathan Lim, Chief Investment Officer at Lonsec, one of Australia's most prominent investment research, ratings and implemented solutions businesses serving financial advisers, fund managers and the superannuation industry.
Nathan talks about the "two-speed consumer" phenomenon in Australia, the importance of strong employment numbers as an indicator of a soft landing, and the impact of immigration on housing demand and inflation.
He also discusses the potential risks of wage growth exceeding the RBA's inflation target, the stimulatory effects of upcoming tax cuts, and the implications of aggressive interest rate hikes on household debt levels.
If you want to understand the complex dynamics shaping Australia's economy and how they might affect your investments and financial planning, then make sure to listen to this episode!

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SHOW NOTES LINKS
https://www.linkedin.com/in/nathanlim1/

https://www.lonsec.com.au/
https://www.linkedin.com/company/lonsec/
https://vimeo.com/lonsectv
https://www.lonsec.com.au/contact

-----

LISTEN TO THE PODCAST
Spotify: https://spoti.fi/3qJL8w4
Apple Podcast: https://apple.co/3QPF3ch
Amazon Music: https://amzn.to/3YMZjgD
Google Podcast: https://bit.ly/3swIVEF

-----

FIND US HERE
Facebook: https://bit.ly/3RsO5Mr
LinkedIn: https://bit.ly/3Rs0Qah
Instagram: https://bit.ly/46kZvGp
TikTok: https://bit.ly/3PSbK7U
YouTube: https://bit.ly/3rsKxPG

-----

CONTACT US
[email protected]

Client Enquiries: 1300 179 537
Careers & Press: 1300 179 537

-----

TIME STAMPS:
00:00 - Intro
02:18 - Economic Insights & Research Findings
05:19 - Interest Rates & Inflation Trajectory for 2024
11:50 - Being in a "Two-Speed Economy"
16:39 - Economic Indicators That Show We're in a "Late Cycle" in the Economy
20:54 - Cash Flow Management Restriction Trend & Mortgage Delinquencies Within Australia
26:30 - Australia's Population & Immigration Growth and It's Economic Impact
31:39 - Australian Housing Market's 2024 Insights & Portfolio Positioning
35:54 - Direct Property Investing
39:59 - Outro

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DISCLAIMER
The information provided in this podcast is for general purposes only and should not be considered personal advice. Always consult with qualified professionals or experts in the relevant field for personalised advice tailored to your specific situation.
...more
42min
June 16, 2024 How to Maximise Your Retirement Portfolio: Insider Tips from a Chief Investment Officer ft. Nathan Lim | Ep. 31
In this episode, we're joined by Nathan Lim, Chief Investment Officer at Lonsec, one of Australia's most prominent investment research, ratings and implemented solutions businesses serving financial advisers, fund managers and the superannuation industry.
Nathan talks about the importance of staying invested through market volatility, relying on well-diversified portfolios matched to your risk tolerance, and financial advisors' critical role in helping clients achieve their financial goals.
He also discusses how Lonsec provides independent research and tailored investment solutions to support financial advisors, the need to look beyond labels like "balanced" to understand what's really in a fund, and why investors shouldn't try to time the market by jumping between different risk profiles.
If you want to understand how a leading investment research house supports financial advisors in building robust client portfolios and achieving retirement goals, then make sure to listen to this episode!

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SHOW NOTES LINKS
https://www.linkedin.com/in/nathanlim1/
https://www.lonsec.com.au/
https://www.linkedin.com/company/lonsec/
https://vimeo.com/lonsectv
https://www.lonsec.com.au/contact

-----

LISTEN TO THE PODCAST
Spotify: https://spoti.fi/3qJL8w4
Apple Podcast: https://apple.co/3QPF3ch
Amazon Music: https://amzn.to/3YMZjgD
Google Podcast: https://bit.ly/3swIVEF

-----

FIND US HERE
Facebook: https://bit.ly/3RsO5Mr
LinkedIn: https://bit.ly/3Rs0Qah
Instagram: https://bit.ly/46kZvGp
TikTok: https://bit.ly/3PSbK7U
YouTube: https://bit.ly/3rsKxPG

-----

CONTACT US
[email protected]
Client Enquiries: 1300 179 537
Careers & Press: 1300 179 537

-----

TIME STAMPS:
00:00 - Intro
03:12 - A Look Into Nathan Lim's Career
05:58 - What is Lonsec & How Does it Support Financial Planners?
10:27 - Utilising Fund Reports
14:52 - Generic Type of Funds & Investment Options
19:30 - Finding That "Comfort Zone" for Clients & Measuring Risk
26:51 - "Market Maintains Momentum"
31:06 - Asset Location Change in the Balance Portfolio
33:17 Conclusion/Outro

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DISCLAIMER
The information provided in this podcast is for general purposes only and should not be considered personal advice. Always consult with qualified professionals or experts in the relevant field for personalised advice tailored to your specific situation.
...more
35min
June 02, 2024 How to Get a Guaranteed "Paycheck" for Life in Retirement ft. Natalie Philips | Ep. 30
In episode 3 of a three-part series, we’re joined once again by Natalie Philips, State Manager of Allianz Retire+, an Australian company that develops retirement products for Australian retirees.
Natalie talks about the evolution of lifetime income solutions in Australia, the benefits of combining traditional investments with innovative retirement products, and how these new products provide flexibility and access to capital.
She also discusses the tax implications of these products, the potential impact on Centrelink benefits, and the ability to leave a legacy for future generations.
If you want to learn about the latest innovative retirement products that can provide guaranteed income for life, flexibility, and potential estate planning benefits, then make sure to listen to this episode!

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SHOW NOTES LINKS
https://au.linkedin.com/in/natalie-philips-782aa177

https://www.allianzretireplus.com.au/
https://au.linkedin.com/company/allianz-retireplus
https://www.youtube.com/channel/UCuSCFbUfsQdjNgLfG7lK5qQ?view_as=subscriber

-----

LISTEN TO THE PODCAST
Spotify: https://spoti.fi/3qJL8w4
Apple Podcast: https://apple.co/3QPF3ch
Amazon Music: https://amzn.to/3YMZjgD
Google Podcast: https://bit.ly/3swIVEF

-----

FIND US HERE
Facebook: https://bit.ly/3RsO5Mr
LinkedIn: https://bit.ly/3Rs0Qah
Instagram: https://bit.ly/46kZvGp
TikTok: https://bit.ly/3PSbK7U
YouTube: https://bit.ly/3rsKxPG

-----

CONTACT US
[email protected]

Client Enquiries: 1300 179 537
Careers & Press: 1300 179 537

-----

TIME STAMPS:
00:00 Intro
02:32 - Building Up The Product Suite For the Pre-Retirement Phase
08:19 - The Key Features of the Innovative Lifetime Income Stream Products
13:34 - Bringing in Guaranteed Payment Rates to Australia
17:02 - Lifetime Income Solutions Aligned with Centrelink Payments for Retirees & Focusing on Protection and Growth for Clients
22:01 - Difference Between Lifetime Income Products Linked to Growth Assets Vs Inflation & Figuring Out Which Product Suits Your Necessities
25:38 - Understanding Your Cash Flow Needs, The Process of Developing Lifetime Products for Market & It's Impact on Estate Planning
30:04 - Income Test on Lifetime Income Stream Products
33:17 - Lifetime Products & Leaving a Legacy
38:24 - Conclusion

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DISCLAIMER
The information provided in this podcast is for general purposes only and should not be considered personal advice. Always consult with qualified professionals or experts in the relevant field for personalised advice tailored to
...more
39min
May 19, 2024 Retiring at 60? You Might Need More Money Than You Think ft. Natalie Philips | Ep. 29
In episode 2 of a three-part series, we’re joined once again by Natalie Philips, State Manager of Allianz Retire+, an Australian company that develops retirement products for Australian retirees.
We discuss the financial impact of living longer and healthier lives, the lump sum amounts singles and couples need to retire comfortably, and the dangers of trying to DIY your retirement planning.

We also talk about the concept of "right-sizing" your living situation in your golden years, the challenges of planning for retirement at 50-55+, and how working with a financial advisor can help you achieve your retirement goals smarter and faster.

If you want to retire early without sacrificing your lifestyle, understand how much you need, and put strategies in place to get there, then make sure to listen to this episode!

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SHOW NOTES LINKS
https://au.linkedin.com/in/natalie-philips-782aa177

https://www.allianzretireplus.com.au/
https://au.linkedin.com/company/allianz-retireplus
https://www.youtube.com/channel/UCuSCFbUfsQdjNgLfG7lK5qQ?view_as=subscriber

-----

LISTEN TO THE PODCAST
Spotify: https://spoti.fi/3qJL8w4
Apple Podcast: https://apple.co/3QPF3ch
Amazon Music: https://amzn.to/3YMZjgD
Google Podcast: https://bit.ly/3swIVEF

-----

FIND US HERE
Facebook: https://bit.ly/3RsO5Mr
LinkedIn: https://bit.ly/3Rs0Qah
Instagram: https://bit.ly/46kZvGp
TikTok: https://bit.ly/3PSbK7U
YouTube: https://bit.ly/3rsKxPG

-----

CONTACT US
[email protected]

Client Enquiries: 1300 179 537
Careers & Press: 1300 179 537

-----

TIME STAMPS:
00:00 - Intro
02:37 - Navigating The 50-55 Life Stage
10:45 - Retiring Early Vs Working By Choice
14:20 - Reverse Modeling Retirement
20:48 - Age Pension Age
23:18 - Figuring Out Where to Live In Retirement: Downsizing and Rightsizing
29:59 - Living as a Couple vs. Single In Retirement
34:30 - DIY Financial Planning
40:13 - Utilising Financial Planning Software Tools
43:27 - Conclusion

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DISCLAIMER
The information provided in this podcast is for general purposes only and should not be considered personal advice. Always consult with qualified professionals or experts in the relevant field for personalised advice tailored to your specific situation.
...more
45min
May 05, 2024 Can You REALLY Retire Early and Still Enjoy Life? ft. Natalie Philips | Ep. 28
In this episode, we're joined by Natalie Philips, State Manager of Allianz Retire+, an Australian company dedicated to developing retirement products to meet the unique needs of Australian retirees.
We talk about the economic challenges Aussies face in achieving early retirement, the importance of having a financial coach to guide you through life stages, and the role of budgeting and discipline in creating good financial habits.

We also discuss the impact of interest rates and the cost of living on household earnings, the need to structure finances correctly to maximise income, and the benefits of making catch-up contributions to superannuation.

If you want to understand how to balance enjoying your current lifestyle while securing your financial future, then make sure to listen to this episode!

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SHOW NOTES LINKS
https://au.linkedin.com/in/natalie-philips-782aa177

https://www.allianzretireplus.com.au/
https://au.linkedin.com/company/allianz-retireplus
https://www.youtube.com/channel/UCuSCFbUfsQdjNgLfG7lK5qQ?view_as=subscriber

-----

LISTEN TO THE PODCAST
Spotify: https://spoti.fi/3qJL8w4
Apple Podcast: https://apple.co/3QPF3ch
Amazon Music: https://amzn.to/3YMZjgD
Google Podcast: https://bit.ly/3swIVEF

-----

FIND US HERE
Facebook: https://bit.ly/3RsO5Mr
LinkedIn: https://bit.ly/3Rs0Qah
Instagram: https://bit.ly/46kZvGp
TikTok: https://bit.ly/3PSbK7U
YouTube: https://bit.ly/3rsKxPG

-----

CONTACT US
[email protected]

Client Enquiries: 1300 179 537
Careers & Press: 1300 179 537

-----

TIME STAMPS:
00:00 - Intro
02:38 - Natalie's Background
04:53 What Are The Economic Conditions Australian's are Facing Right Now?
07:00 - What are the Focuses of Clientele in Their 20s-30s?
09:04 - Tackling the Challenges & Focus Areas of Clientele
14:14 - Finding a Balance with Discretionary Spending Habits
18:49 - 45-55 Year Old Clients: What are Their Focuses & Retirement Goals?
28:57 - Looking Gearing & Debt for Clients
34:02 - Conclusion

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DISCLAIMER
The information provided in this podcast is for general purposes only and should not be considered personal advice. Always consult with qualified professionals or experts in the relevant field for personalised advice tailored to your specific situation.
...more
35min
April 21, 2024 Brokers + Advisors = Financial Success? Experts Reveal the Winning Formula Pt. 2 ft. Anja Pannek | Ep. 27
In this episode, we're joined again by Anja Pannek, CEO of the Mortgage and Finance Association of Australia (MFAA), the peak industry body representing over 15,000 mortgage and finance brokers in Australia.
Anja talks about the value of teamwork between mortgage brokers and financial advisors in providing holistic solutions, the importance of communication when establishing these partnerships, and the role of financial literacy in helping clients understand risk management.
She also discusses the differences between Australia and the UK in integrating insurance conversations during the mortgage process, the pitfalls of relying solely on insurance cover within superannuation, and the benefits of advisors sitting in on broker-client meetings to understand processes.
If you want to learn how mortgage brokers and financial advisors seamlessly collaborate to help clients achieve their property, wealth, and lifestyle goals, make sure to listen to this episode!

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SHOW NOTES LINKS
https://www.linkedin.com/in/anjapannek/

https://www.mfaa.com.au/
https://www.facebook.com/MFAAOnline
https://www.linkedin.com/company/mortgage-&-finance-association-of-australia-mfaa-/

-----

LISTEN TO THE PODCAST
Spotify: https://spoti.fi/3qJL8w4
Apple Podcast: https://apple.co/3QPF3ch
Amazon Music: https://amzn.to/3YMZjgD
Google Podcast: https://bit.ly/3swIVEF

-----

FIND US HERE
Facebook: https://bit.ly/3RsO5Mr
LinkedIn: https://bit.ly/3Rs0Qah
Instagram: https://bit.ly/46kZvGp
TikTok: https://bit.ly/3PSbK7U
YouTube: https://bit.ly/3rsKxPG

-----

CONTACT US
[email protected]

Client Enquiries: 1300 179 537
Careers & Press: 1300 179 537

-----

TIME STAMPS:
00:00 Intro
02:17 The 411 on Business Partnerships With Brokers & Financial Planners
05:08 How to Build a Strong Broker/Financial Planner Relationship to Support Clients
13:12 Are Brokers Having "Goals Advice" in Addition to Getting Mortgages for Clients?
19:29 The "Dating Process" in Building Business Relationships
27:27 Business Relationship Traps
29:34 Risk Management Insurance & It's Involvement in the Lending Process
32:25 The Reality Behind Default Insurance Covers
35:44 Client Feedback on Changes in Compliance Regime
41:13 Maintaining Client Relationships
43:52 Outro

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DISCLAIMER
The information provided in this podcast is for general purposes only and should not be considered personal advice. Always consult with qualified professionals or experts in the relevant field for personalised advice tailored to your specific situation.
...more
45min
April 14, 2024 The Future of Mortgage Broking in Australia: Exclusive Interview with MFAA CEO ft. Anja Pannek | Ep. 26
In this episode, we're joined by Anja Pannek, CEO of the Mortgage and Finance Association of Australia (MFAA), the peak industry body representing over 15,000 mortgage and finance brokers in Australia.
Anja talks about her deep respect for mortgage brokers' role in changing people's lives, the increasing market share of brokers facilitating over 70% of mortgages in Australia, and the MFAA's efforts to promote brokers as the first choice for expert mortgage guidance.
She also discusses the unprecedented refinancing wave in 2023 driven by fixed-rate expiries, the localised nature of housing market dynamics, and MFAA's plan for 2024 to support the continued growth of the mortgage broking industry and deliver better outcomes for clients.
If you want to understand the current state and future prospects of the mortgage industry in Australia and how these factors can impact your property decisions, then make sure to listen to this episode!

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SHOW NOTES LINKS
https://www.linkedin.com/in/anjapannek/

https://www.mfaa.com.au/
https://www.facebook.com/MFAAOnline
https://www.linkedin.com/company/mortgage-&-finance-association-of-australia-mfaa-/

-----

LISTEN TO THE PODCAST
Spotify: https://spoti.fi/3qJL8w4
Apple Podcast: https://apple.co/3QPF3ch
Amazon Music: https://amzn.to/3YMZjgD
Google Podcast: https://bit.ly/3swIVEF

-----

FIND US HERE
Facebook: https://bit.ly/3RsO5Mr
LinkedIn: https://bit.ly/3Rs0Qah
Instagram: https://bit.ly/46kZvGp
TikTok: https://bit.ly/3PSbK7U
YouTube: https://bit.ly/3rsKxPG

-----

CONTACT US
[email protected]

Client Enquiries: 1300 179 537
Careers & Press: 1300 179 537

-----

TIME STAMPS:
00:00 Introduction
02:06 Anja's Pannek's Path to Being CEO of the MFAA
04:23 What is Anja's Current Passion in her Career Now?
07:16 What is MFAA?
09:06 How Does the MFAA Instill Trust & Confidence in Their Clientele?
13:16 Evolution of the MFAA
17:55 Reflecting on 2023's Broking Industry
24:10 Anja's Learnings from MFAA's Member Breakfasts Around Australia
34:14 What are The Next Steps of the Association in 2024?
36:50 Conclusion

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DISCLAIMER
The information provided in this podcast is for general purposes only and should not be considered personal advice. Always consult with qualified professionals or experts in the relevant field for personalised advice tailored to your specific situation.
...more
38min
April 06, 2024 Centrelink Success Story: The Power of Financial Planning Advice to Uncover Potential Entitlements | Ep. 25
In this episode of The Wealth Guide Podcast, our senior financial planner Ricky Regmi shares a case study of how he helped a client couple navigate Centrelink entitlements during different life stages.
Ricky talks about the importance of being aware of Centrelink carer payment and allowance, the strategic use of super to manage assets, and the need to reevaluate financial strategies after life-changing events.
He also discusses the implications of age differences on Centrelink benefits, the advantages of low-risk investments for retirees, and the process of transitioning from pensioner to job seeker status.
If you want to learn how a financial advisor can help you navigate government support systems to ensure you're making the most of available benefits, then make sure to listen to this episode!

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SHOW NOTES LINKS
https://rykercapital.com.au/
https://au.linkedin.com/company/ryker-capital
https://www.instagram.com/rykercapital/
https://www.tiktok.com/ryker
https://www.facebook.com/profile.php?id=100054854616452
https://www.linkedin.com/in/rajiv-ricky-regmi-cpa-943694213/
https://www.linkedin.com/in/tamara-storey/

-----

LISTEN TO THE PODCAST
Spotify: https://spoti.fi/3qJL8w4
Apple Podcast: https://apple.co/3QPF3ch
Amazon Music: https://amzn.to/3YMZjgD
Google Podcast: https://bit.ly/3swIVEF

-----

FIND US HERE
Facebook: https://bit.ly/3RsO5Mr
LinkedIn: https://bit.ly/3Rs0Qah
Instagram: https://bit.ly/46kZvGp
TikTok: https://bit.ly/3PSbK7U
YouTube: https://bit.ly/3rsKxPG

-----

TIME STAMPS:
00:00 - Introduction
01:07 - Understanding Centrelink Entitlements
02:28 - Client Case Study: Older Couple Receiving Age Pension + Moving Into Retirement Home
04:25 - Client Solution: Applying for Carer's Payment & Carer's Allowance
06:57 - Re-evaluating the Client's Situation After The Passing of Her Partner
11:15 - Conclusion

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DISCLAIMER
The information provided in this podcast is for general purposes only and should not be considered personal advice. Always consult with qualified professionals or experts in the relevant field for personalised advice tailored to your specific situation.
...more
13min
April 01, 2024 Key Person Insurance: The Safety Net Your Business Can't Afford to Ignore! | The Wealth Guide Podcast Ep. 24
In this episode of The Wealth Guide Podcast, our Director and Senior Financial Planner, Ray Regmi, shares a case study on how key person insurance saved a business when tragedy struck.
Ray talks about the necessity of distinguishing between personal and business insurance, the unique aspects of key person insurance, and the intricate process of assessing and addressing business risks.

He also discusses the importance of revenue and capital protection, the complexities of replacing skilled personnel, and the real-life impact of adequate insurance coverage on a business's ability to weather unexpected events.

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SHOW NOTES LINKS
https://rykercapital.com.au/
https://au.linkedin.com/company/ryker-capital
https://www.instagram.com/rykercapital/
https://www.tiktok.com/ryker
https://www.facebook.com/profile.php?id=100054854616452
https://www.linkedin.com/in/ray-regmi-3a267539/
https://www.linkedin.com/in/tamara-storey/

-----

LISTEN TO THE PODCAST
Spotify: https://spoti.fi/3qJL8w4
Apple Podcast: https://apple.co/3QPF3ch
Amazon Music: https://amzn.to/3YMZjgD
Google Podcast: https://bit.ly/3swIVEF

-----

FIND US HERE
Facebook: https://bit.ly/3RsO5Mr
LinkedIn: https://bit.ly/3Rs0Qah
Instagram: https://bit.ly/46kZvGp
TikTok: https://bit.ly/3PSbK7U
YouTube: https://bit.ly/3rsKxPG

-----

TIME STAMPS:
00:00 - Intro
01:09 - The 411 on Business Insurance
02:31 - The Concept of Key Person Insurance
06:21 - Client Case Study: Active-Wear Business Transitions to Key Person Insurance
11:49 - Conclusion

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DISCLAIMER
The information provided in this podcast is for general purposes only and should not be considered personal advice. Always consult with qualified professionals or experts in the relevant field for personalised advice tailored to your specific situation.
...more
14min

FAQs about The Wealth Guide Podcast:

How many episodes does The Wealth Guide Podcast have?

The podcast currently has 54 episodes available.