In this episode of The Wealth Guide Podcast, we're joined again by Grant Hackett, a former renowned Olympic swimmer turned financial expert and CEO of Generation Life.

Grant talks about how investment bonds can be used for flexible retirement income, controlling inheritances from the grave, and leaving tax-free money to heirs.

He also discusses how annuities provide lifetime guaranteed income, investment growth potential, and social security means-testing advantages.

 If you want to optimise your retirement nest egg and plan your estate strategically, then make sure to listen to this episode!

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SHOW NOTES LINKS

https://www.linkedin.com/in/grant-hackett-oam-30820225/
https://www.instagram.com/grant__hackett/
https://genlife.com.au/
https://www.linkedin.com/company/generation-life-australia/ 

https://rykercapital.com.au/
https://www.linkedin.com/in/ray-regmi-3a267539/
https://www.linkedin.com/in/dean-desoukey-a6651093/
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 

-----

CONTACT US

[email protected]     

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

-----

TIME STAMPS:

00:00 - Intro
02:40 - Investment Bond Recap & How It’s Used in Retirement Planning
05:38 - Using Investment Bonds for Superannuation & Estate Planning
10:03 - Estate Planning Strategies for Various Generations
17:30 - Leaving an Inheritance for the Next Generation + Lifetime Annuities
23:54 - Centrelink Benefits & Investment Strategies for Retirement Clients
27:44 - Client Stories: Retirement Planning & Annuity Strategy Options
34:08 - How Flexible Are Lifetime Annuities?
37:15 - Outro

-----

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. 

In this episode of The Wealth Guide Podcast, we have Grant Hackett, a former renowned Olympic swimmer turned financial expert and CEO of Generation Life.

Grant talks about his transition from professional sports to the finance industry and sheds light on the concept of investment bonds.

He discusses the tax efficiency of investment bonds, their flexibility in terms of contributions and withdrawals, and the benefits of these bonds in estate planning. 

If you want to learn about innovative & tax-effective investment strategies, then make sure to listen to this episode!

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SHOW NOTES LINKS

https://www.linkedin.com/in/grant-hackett-oam-30820225/
https://www.instagram.com/grant__hackett/
https://genlife.com.au/
https://www.linkedin.com/company/generation-life-australia/ 

https://rykercapital.com.au/
https://www.linkedin.com/in/ray-regmi-3a267539/
https://www.linkedin.com/in/dean-desoukey-a6651093/
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 

-----

CONTACT US

[email protected]     

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

-----

TIME STAMPS:

 
00:00 - Intro
02:48 - Grant's Career Transition: Olympic Swimmer to Financial Planner
04:20 - The Transferable Skills from Swimming to Business
07:06 - What is an Investment Bond?
12:53 - Super & Investment Strategies: "No One Structure is the Silver Bullet"
16:46 - Navigating Through "Bracket Creep" In The Investment Bond Structure Versus Others
21:31 - What is Dollar Cost Averaging & How it Can Benefit Your Loved Ones
27:35 - Investment Bond Structure Benefits for Families & Companies
34:11 - Are Investment Bonds Used for Asset Protection? + The 125% Rule
39:35 - Gen Life Clients: Investing Through Advisors + Individually
41:47 - Understanding the Impact of Tax Liabilities with Your Investments
46:51 - Outro

-----

DISCLAIMER

The information provided in this podcast is for general purposes only and should not be considered personal advice. Always consult

In this episode of The Wealth Guide Podcast, we've got Hung Chuy, Ray Regmi, and John Alvarez to answer the burning question: 'Who is the MVP of your A-team in wealth building - brokers or financial planners?' 

They talk about the critical role of financial advisors in wealth management, the importance of having a broker and a planner on your team, and the synergy between different professionals in achieving your money goals.

They also discuss strategies for tax minimisation, the intricacies of property investment, and the value of risk management in financial planning.

If you want to learn how to effectively manage your wealth and understand the value of a well-coordinated financial team, then make sure to listen to this episode!

-----

SHOW NOTES LINKS

https://rykercapital.com.au/
https://au.linkedin.com/company/ryker-capital
https://www.instagram.com/rykercapital/
https://www.tiktok.com/@rykercapital
https://www.linkedin.com/in/ray-regmi-3a267539/
https://www.linkedin.com/in/tamara-storey/
https://www.linkedin.com/in/hung-chuy-54777998/
https://au.linkedin.com/in/johnalvarez 

-----

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
02:10 - The Importance of the Relationship Between Brokers & Financial Planners
05:31 - The Overall Outcome For Clients When Collaborating with Brokers
10:09 - Helping Clients Identify Their Financial Goals & Strategies To Achieve Them
14:07 - How do Brokers and Financial Planners Ensure the Strategies & Goals Are in Sync?
17:33 - Setting Realistic Goals & Strategies With Clients
20:24 - Identifying The Client's Selling Triggers & Figuring OutTax Minimisation Solution
27:27 - Intergenerational Financial Planning, Inheritance & Tax Efficiency
32:26 - Risk Identification & Management with Financial Planning
38:06 - Conclusion

-----

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 pers

In this episode of The Wealth Guide Podcast, we've got Hung Chuy, Dean Desoukey, and John Alvarez to share their professional thoughts and insights on the current situation of the Australian property market.

They talk about the "fixed rate mortgage cliff" and its impact on homeowners, cash flow challenges for property buyers and small business owners, and the shifting property hotspots as remote work trends evolve.

They also discuss the pros and cons of fixed versus variable rate mortgages, creative financing options for first-home buyers, and the role of mortgage brokers and financial advisors.

If you want to learn how to navigate the rough tides of the Australian property market and come out on top, then make sure to listen to this episode!

-----

SHOW NOTES LINKS

https://rykercapital.com.au/
https://au.linkedin.com/company/ryker-capital
https://www.instagram.com/rykercapital/
https://www.tiktok.com/@rykercapital
https://www.linkedin.com/in/dean-desoukey-a6651093/
https://www.linkedin.com/in/tamara-storey/
https://www.linkedin.com/in/hung-chuy-54777998/
https://au.linkedin.com/in/johnalvarez 

-----

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:

03:29 - What Is a Fixed Rate Mortgage Cliff? 
05:28 - Real-Life Client Stories Around Navigating the Fixed Rate Mortgage Cliff
07:46 - Fixed Versus Variable Rate: What to Consider + Client Stories
11:46 - Superannuation, Asset Classes & Market Trends Amongst Australian Business Owners
16:10 - The Challenge of ‘Timing the Market’ With Different Investments
18:35 - The Australian Property Market Shifts & Trends
21:56 - First Home Buyer Strategies
29:20 - Conclusion

-----

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. 

In this episode of The Wealth Guide Podcast, the team at Ryker Capital shares their thoughts on the capabilities and limitations of AI tools like ChatGPT for providing personalised financial advice.

They discuss why Australia ranks last in understanding AI's societal benefits, how AI can increase productivity and contribute to mental health and well-being in the workplace, and why due diligence remains crucial despite AI's role as a helpful starting point.

The team also talks about the potential for bias in AI, the delicate balance between innovation and privacy, and why a financial plan is more crucial than ever in the age of artificial intelligence.

If you're curious about how AI disrupts various industries, tune in to hear more insights on its opportunities and risks!

---

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/rajiv-ricky-regmi-cpa-943694213/
https://www.linkedin.com/in/dean-desoukey-a6651093/ 

----

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

01:23 - The Definition of AI

01:47 - Ryker Capital's Thoughts Around Chat GPT

03:13 - The Power of AI in Society

06:39 - Weighing Up The Pros & Cons of Using AI in The Financial Services Space

13:28 - Do the Pros of AI Outweigh the Cons?

17:12 - The Ethical Aspects of AI

23:40 AI Business Tips & Hints to Avoid Getting Left Behind

27:15 - The Impact of Chat GPT Revolution

31:45 - Outro

-----

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. 

In this episode of The Wealth Guide Podcast, the Ryker Capital team debunks the top 10 myths that prevent you from achieving financial security, growth, and freedom.

They discuss people's most common objections about financial planning, real-life examples of how financial advisors saved clients significant money, and the potential tax benefits of investing in financial advice.

The team also talks about strategies the wealthy use to maximise their finances, how advisors tailor retirement plans for clients, and why a government pension might not afford your desired comfortable lifestyle.

If you want to shatter the misconceptions about financial advice and discover the strategies that can secure and amplify your wealth, 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/ray-regmi-3a267539/
https://www.linkedin.com/in/rajiv-ricky-regmi-cpa-943694213/
https://www.linkedin.com/in/dean-desoukey-a6651093/ 

----

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
01:48 - Is Financial Advice Only for the Rich People?
03:33 - Financial Advice Myth #1: It Is Too Expensive
07:51 - The Aus Government Recognition For Investing in Financial Advice = Tax Deductions
09:39 - Financial Advice Myth #2: It Doesn't Add or Hold Any Value
14:50 - Financial Advice Myth #3: If You Have an Accountant, You DON'T Need a Advisor
18:28 - Client Story: Helping Out With Tax Liabilities
20:53 - Financial Advice Myth #4: You Can't Add Money Into Your Super
25:14 - Financial Advice Myth #5: Financial Planners Just Look After Your Products
30:55 - Financial Advice Myth #6: "I Don't Need Financial Advice, My Super Has It All Covered."
37:49 - Financial Advice Myth #7: "If I Die, My Super Money Just Goes To My Will & Loved Ones."
43:35 - Financial Advice Myth #8: "I Don't Need Retirement Planning – I'll Just Get a Pension at Centrelink."
46:29 - Financial Advice Myth #9: "I'm Too Young to Plan Out My Retirement."
49:16 - Financial Advice Myth #10: "I D

In this episode of The Wealth Guide Podcast, we've got the team from Ryker Capital to answer one of the most asked financial questions: "Is life insurance a SCAM?”

They discuss the hidden truth of insurance premiums, common beliefs about claim denials, stories of people feeling scammed by policies, and how to avoid similar pitfalls.

The team also explores the opportunity costs of not having insurance coverage, why cheaper isn't always better for claims, and debunks myths that may stop you from having the emotional reassurance and comfort you deserve.

If you want to understand the true ins and outs of life insurance and determine its worth for your financial journey, 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/rykercapital
https://www.facebook.com/profile.php?id=100054854616452   
https://www.linkedin.com/in/ray-regmi-3a267539/
https://www.linkedin.com/in/rajiv-ricky-regmi-cpa-943694213/
https://www.linkedin.com/in/dean-desoukey-a6651093/ 

----

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
02:31 - What is Life Cover, Total Permanent Disability Cover & Trauma/Critical Illness Cover? What Does it Protect You From?
07:08 - What is Income Protection?
09:08 - Insurance Debunked #1: Insurance Companies Don't Care & Don't Pay Out Claims
13:47 - Client Stories: Not Receiving a PayOut from Insurance Companies
17:21 - Introducing Anti Hawking Provisions
19:53 - Insurance Debunked #2: The Client's Pre-Set Notion of Already Being Declined By Insurance Companies
24:37 - Insurance Debunked #3: Insurance Covers Get More EXPENSIVE Overtime & Can Get TRAPPED in Your Super
28:46 - Client Stories: Paying $ into Insurances in Super & The Balance Not Growing
30:33 - Navigating Around the Expenses of Insurance & Super
34:41 - Client Story: Receiving a Payout From Insurance
36:58 - The Different Types Of Covers, How They Protect You & The Application Process
43:41 - The Myths About Insurance & Superannuation
45:45 - Why Do Insurance Companies Increase the P

In this episode of The Wealth Guide Podcast, we have Dr Jeffrey Scott, Head of Advice Strategy at MetLife Australia, share his expert insights on insurance, taxation finance, and superannuation. 

Dr Jeffrey talks about the secrets of using super funds to get tax deductions on insurance premiums, the crucial distinctions between dependency under the SIS Act and the Tax Act, and how different tax outcomes can arise from the same life insurance policy. 

He also discusses the four basic types of personal insurance covers and their respective benefits, the purpose and importance of nominating a beneficiary on your life insurance policy, and answers, 'Do we pay our taxes when we die?'

If you've ever been curious about the intricacies of insurance, taxation, and superannuation, then make sure to listen to this episode!

-----

SHOW NOTES LINKS

https://au.linkedin.com/in/dr-jeffrey-scott-165762
https://www.metlife.com.au/
https://www.facebook.com/metlifeaustralia/
https://www.linkedin.com/company/metlife-au/
https://twitter.com/MetLifeAU 

https://rykercapital.com.au/
https://www.linkedin.com/in/ray-regmi-3a267539/ https://www.linkedin.com/in/jasmin-loke-2236289a/ 

-----

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

01:49 - Do We Pay Our Taxes When We Die?

05:11 - Terminal Illness Benefit

06:46 - Client Stories: Minimising the Taxes in Their Life Insurances

11:37 - How Beneficiary on a Life Insurance Policy Works

12:58 - How Different Insurance Policies Are Taxed

16:25 - Key Considerations to Save on Tax

23:18 - TPD: Do You Have to Pay Tax?

27:23 - Final Thoughts

28:52 - Outro

-----

DISCLAIMER

The information provided in this podcast is for general purposes only and should not be considered pe

In this episode of The Wealth Guide Podcast, we've got the team from Ryker Capital exploring the financial and emotional challenges faced by the sandwich generation.

They address the pressures on main earners in multi-generational households, how extended family care affects retirement, and the need for structured planning, especially for blended families.

The team also emphasises the value of financial advice to alleviate stress, the benefits of insurance during unforeseen events, and the necessity of open family discussions on shared responsibilities.

If you're looking for relatable stories and practical strategies for managing financial stability and mental wellness amidst multi-generational duties, 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/ray-regmi-3a267539/
https://www.linkedin.com/in/rajiv-ricky-regmi-cpa-943694213/
https://www.linkedin.com/in/dean-desoukey-a6651093/ 

-----

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 -Disclaimer
00:13 - Intro
02:17 - What is a Sandwich Generation? How Does it Affect Your Financial Stability?
08:06 - The Concept of 'The Club Sandwich Generation
10:45 - How to Prepare Yourselves Financially As a Member of The Sandwich Generation
14:21 - The Role of Wills & Power of Attorney in The Sandwich Generation
20:08 - Navigating Today's FinTech & How it Affects the Sandwich Generation
23:46 - The Health Impact on Sandwich-Gen Individuals Looking After Their Loved Ones Financially
31:25 - The Financial Nuances of Supporting an Elderly Parent, Incapacitated Family Member & Managing Inheritances
38:53 - Sonia's Story
40:33 - Final Messages and Outro

-----

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. 

In this episode of The Wealth Guide Podcast, we have Dr Jeffrey Scott, Head of Advice Strategy at MetLife Australia, a leading life insurance provider, partnering with employers, super funds, and financial advisers to help Australians protect their lifestyle and provide help when they need it most.

Dr Jeffrey talks about the top five factors that can lead to mortgage default and how to protect against them, the concept of "bucketing" expenses and making conscious purchasing decisions, and the step-by-step process of dealing with financial difficulties and mortgage repayments. 

He also discusses how to create a safety net and ensure your insurance coverage matches your unique life circumstances, the strategies to maximise your financial potential and build wealth beyond expectations, and the vital link between financial and mental health and the importance of seeking support for both.

If you want to hear more expert guidance on navigating your financial difficulties, mortgage repayments, and insurance, then make sure to listen to this episode!

-----

SHOW NOTES LINKS

https://au.linkedin.com/in/dr-jeffrey-scott-165762
https://www.metlife.com.au/
https://www.facebook.com/metlifeaustralia/
https://www.linkedin.com/company/metlife-au/
https://twitter.com/MetLifeAU  

https://rykercapital.com.au/
https://www.linkedin.com/in/ray-regmi-3a267539/
https://www.linkedin.com/in/jasmin-loke-2236289a/ 

-----

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 - Disclaimer
01:28 - Client Story #1 - Defaulting on Your Home Loan
07:13 - Cash Flow & Budgeting Tips to Protect Your Your Home Loan
14:06 - A Breakdown of a Financial Institution's Clientele Process
16:54 - De-Stigmatising the Relationship Between Financial Institutions & Their Clients
22:19 - How to Protect Yourself From Unexpected Life Events
24:59 - Practical Things to Action ASAP to Build Your Wealth
30:34 - Ryker Capital's Wealth Building & Tax Conversations With Clients
35:45 - What Happens When People Are Not Prepared & Default on Their Home Loan?
39:21 - Final Thoughts
42:07 - Outro 

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D