The festive season is just around the corner, but for some, it’s not always the most wonderful time of the year—especially when the average Christmas spend sits between $1,200 and $1,500. In this episode of 𝐖𝐞𝐚𝐥𝐭𝐡 𝐄𝐱𝐩𝐞𝐫𝐢𝐞𝐧𝐜𝐞, Teneale and Kelsey dive into the financial realities of the holidays and share practical tips to keep your budget in check.

They also explore the 5 Love Languages—Words of Affirmation, Acts of Service, Receiving Gifts, Quality Time, and Physical Touch—and how understanding them can make this season more meaningful without overspending.

Plus, discover how AI tools can help you manage your finances, investments, superannuation, and even set achievable goals for the new year.

Tune in for insights that will help you celebrate smarter and start 2026 on the right foot!

RESOURCES

The 5 Love Languages – Gary Chapman

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𝗣𝗼𝗱𝗯𝗲𝗮𝗻, 𝗦𝗽𝗼𝘁𝗶𝗳𝘆, 𝗔𝗺𝗮𝘇𝗼𝗻 𝗠𝘂𝘀𝗶𝗰, 𝗣𝗹𝗮𝘆𝗲𝗿𝗙𝗠, 𝗔𝗽𝗽𝗹𝗲 𝗣𝗼𝗱𝗰𝗮𝘀𝘁𝘀

𝐖𝐞𝐚𝐥𝐭𝐡 𝐄𝐱𝐩𝐞𝐫𝐢𝐞𝐧𝐜𝐞, a podcast by expert financial advisory firm, 𝐴𝑙𝑚𝑎𝑛 𝑃𝑎𝑟𝑡𝑛𝑒𝑟𝑠 𝑇𝑟𝑢𝑒 𝑊𝑒𝑎𝑙𝑡ℎ.  

AP Direct Invest - Alman Partners 

#wealthexperiencepodcast #almanpartners #truewealth #newyearfinancialhangover #christmasspending #5lovelanguages #budget #splitspaces #launchpadstudios

In a profession built on trust, how do you know your financial adviser is truly acting in your best interest?

In this episode of 𝐖𝐞𝐚𝐥𝐭𝐡 𝐄𝐱𝐩𝐞𝐫𝐢𝐞𝐧𝐜𝐞, Kelsey and Teneale unpack what it means to be a fiduciary—a role bound by legal and ethical obligations to protect your financial wellbeing. They explore how to identify fiduciary advisers and why it matters more than ever.

The collapse of Shield and First Guardian Master Funds has left over 12,000 retirement accounts impacted and $1.2 billion in assets liquidated. What went wrong? And what happens when advisers fail in their duty?

Tune in as we discuss:

Whether you're planning for retirement or simply want to protect your wealth, this episode is a must-listen.

RESOURCES

Alman Partners' CEFEX Interview

CEFEX | Fiduciary Excellence at Investment Advisory Firms

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𝗣𝗼𝗱𝗯𝗲𝗮𝗻, 𝗦𝗽𝗼𝘁𝗶𝗳𝘆, 𝗔𝗺𝗮𝘇𝗼𝗻 𝗠𝘂𝘀𝗶𝗰, 𝗣𝗹𝗮𝘆𝗲𝗿𝗙𝗠, 𝗔𝗽𝗽𝗹𝗲 𝗣𝗼𝗱𝗰𝗮𝘀𝘁𝘀

𝐖𝐞𝐚𝐥𝐭𝐡 𝐄𝐱𝐩𝐞𝐫𝐢𝐞𝐧𝐜𝐞, a podcast by expert financial advisory firm, 𝐴𝑙𝑚𝑎𝑛 𝑃𝑎𝑟𝑡𝑛𝑒𝑟𝑠 𝑇𝑟𝑢𝑒 𝑊𝑒𝑎𝑙𝑡ℎ.  

AP Direct Invest - Alman Partners 

#wealthexperiencepodcast #almanpartners #truewealth #investmentfiduciary #trust #professionalconduct #cefex #splitspaces #launchpadstudios

In this episode of 𝐖𝐞𝐚𝐥𝐭𝐡 𝐄𝐱𝐩𝐞𝐫𝐢𝐞𝐧𝐜𝐞, Kelsey sits down with Ashleigh Thompson, Financial Adviser at Alman Partners, to unpack the realities of a midlife financial crisis. From impulsive spending to chasing short-term gratification, they explore how emotional decisions in your 40s and 50s can derail long-term financial security.

Ashleigh shares insights into the psychology behind midlife money moves, why people feel the urge to “catch up” or “live it up,” and how to spot the warning signs before it’s too late. Whether you're feeling stuck, restless, or just wondering if your financial habits are shifting, this episode offers clarity, compassion, and practical tips.

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𝗣𝗼𝗱𝗯𝗲𝗮𝗻, 𝗦𝗽𝗼𝘁𝗶𝗳𝘆, 𝗔𝗺𝗮𝘇𝗼𝗻 𝗠𝘂𝘀𝗶𝗰, 𝗣𝗹𝗮𝘆𝗲𝗿𝗙𝗠, 𝗔𝗽𝗽𝗹𝗲 𝗣𝗼𝗱𝗰𝗮𝘀𝘁𝘀

𝐖𝐞𝐚𝐥𝐭𝐡 𝐄𝐱𝐩𝐞𝐫𝐢𝐞𝐧𝐜𝐞, a podcast by expert financial advisory firm, 𝐴𝑙𝑚𝑎𝑛 𝑃𝑎𝑟𝑡𝑛𝑒𝑟𝑠 𝑇𝑟𝑢𝑒 𝑊𝑒𝑎𝑙𝑡ℎ.  

AP Direct Invest - Alman Partners 

#wealthexperiencepodcast #almanpartners #truewealth #midlifefinancialcrisis #midlifecrisis #impulsivespending #smartmoneydecisions #splitspaces #launchpadstudios

They say the first generation earns it, the second enjoys it, and the third burns it - but it doesn’t have to be that way. In this thought-provoking episode of 𝐖𝐞𝐚𝐥𝐭𝐡 𝐄𝐱𝐩𝐞𝐫𝐢𝐞𝐧𝐜𝐞, Teneale & Kelsey explore how families can break the cycle by focusing not just on wealth creation, but on the values that sustain it across generations.

Join us as we dive into the mindsets and principles that build lasting wealth, the power of family money meetings, and the importance of intentional gifting. What are you teaching your children about money management, generosity, and responsibility? Discover practical ways to pass on financial wisdom and values that endure far beyond the balance sheet.

RESOURCES

Legacy Letter Template

Values-Based Financial Planning, Bill Bachrach

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𝗣𝗼𝗱𝗯𝗲𝗮𝗻, 𝗦𝗽𝗼𝘁𝗶𝗳𝘆, 𝗔𝗺𝗮𝘇𝗼𝗻 𝗠𝘂𝘀𝗶𝗰, 𝗣𝗹𝗮𝘆𝗲𝗿𝗙𝗠, 𝗔𝗽𝗽𝗹𝗲 𝗣𝗼𝗱𝗰𝗮𝘀𝘁𝘀

𝐖𝐞𝐚𝐥𝐭𝐡 𝐄𝐱𝐩𝐞𝐫𝐢𝐞𝐧𝐜𝐞, a podcast by expert financial advisory firm, 𝐴𝑙𝑚𝑎𝑛 𝑃𝑎𝑟𝑡𝑛𝑒𝑟𝑠 𝑇𝑟𝑢𝑒 𝑊𝑒𝑎𝑙𝑡ℎ.  

AP Direct Invest - Alman Partners 

#wealthexperiencepodcast #almanpartners #truewealth #personalvalues #inheritance #intergenerationalwealthtransfer #moneyvalues #splitspaces #launchpadstudios

In this episode of 𝐖𝐞𝐚𝐥𝐭𝐡 𝐄𝐱𝐩𝐞𝐫𝐢𝐞𝐧𝐜𝐞, Kelsey explores the hidden costs of burnout in our hyper-connected world. From brain fog and fatigue to emotional and physical strain, burnout affects more than just our productivity - it impacts our overall well-being.

Why do we push ourselves to the edge? And how can stepping back actually move us forward?

Tune in as Kelsey shares insights on the link between rest and fulfilment, and offers practical tips to help you avoid burnout and live a more balanced, energised life.

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𝗣𝗼𝗱𝗯𝗲𝗮𝗻, 𝗦𝗽𝗼𝘁𝗶𝗳𝘆, 𝗔𝗺𝗮𝘇𝗼𝗻 𝗠𝘂𝘀𝗶𝗰, 𝗣𝗹𝗮𝘆𝗲𝗿𝗙𝗠, 𝗔𝗽𝗽𝗹𝗲 𝗣𝗼𝗱𝗰𝗮𝘀𝘁𝘀

𝐖𝐞𝐚𝐥𝐭𝐡 𝐄𝐱𝐩𝐞𝐫𝐢𝐞𝐧𝐜𝐞, a podcast by expert financial advisory firm, 𝐴𝑙𝑚𝑎𝑛 𝑃𝑎𝑟𝑡𝑛𝑒𝑟𝑠 𝑇𝑟𝑢𝑒 𝑊𝑒𝑎𝑙𝑡ℎ.  

AP Direct Invest - Alman Partners 

#wealthexperiencepodcast #almanpartners #truewealth #burnout #worklifebalance #metime #stressedout #splitspaces #launchpadstudios

In this thought-provoking episode of 𝐖𝐞𝐚𝐥𝐭𝐡 𝐄𝐱𝐩𝐞𝐫𝐢𝐞𝐧𝐜𝐞 Kelsey & Teneale dive into the age-old question: Does money change people? Teneale kicks things off with some late-night online shopping confessions and practical tips, setting the stage for a deeper conversation about the power and pitfalls of wealth.

From the freedom and security that money can bring, to the stress it sometimes relieves - or creates - they explore both sides of the coin. The discussion touches on the generosity that wealth can enable, the temptation of superiority, and the surprising paradox between earned and inherited riches.

They also unpack the emotional rollercoaster of sudden wealth (hello, lotto winners!) and bring it all back to what really matters: your personal values.

Whether you're building your fortune or just curious about how money shapes us, this episode offers insight and a fresh perspective on what it means to be truly wealthy.

RESOURCES

Wealth Experience Ep 6 – The Psychology of Money

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𝗣𝗼𝗱𝗯𝗲𝗮𝗻, 𝗦𝗽𝗼𝘁𝗶𝗳𝘆, 𝗔𝗺𝗮𝘇𝗼𝗻 𝗠𝘂𝘀𝗶𝗰, 𝗣𝗹𝗮𝘆𝗲𝗿𝗙𝗠, 𝗔𝗽𝗽𝗹𝗲 𝗣𝗼𝗱𝗰𝗮𝘀𝘁𝘀

𝐖𝐞𝐚𝐥𝐭𝐡 𝐄𝐱𝐩𝐞𝐫𝐢𝐞𝐧𝐜𝐞, a podcast by expert financial advisory firm, 𝐴𝑙𝑚𝑎𝑛 𝑃𝑎𝑟𝑡𝑛𝑒𝑟𝑠 𝑇𝑟𝑢𝑒 𝑊𝑒𝑎𝑙𝑡ℎ.  

AP Direct Invest - Alman Partners 

#wealthexperiencepodcast #almanpartners #truewealth #doesmoneychangepeople #moneypersonalities #powerandmoney #moneypsychology #valuesvswealth #splitspaces #launchpadstudios

Are you currently in the market for a new car? Are you considering a lease? Discover the benefits and drawbacks of car leasing in this episode of 𝐖𝐞𝐚𝐥𝐭𝐡 𝐄𝐱𝐩𝐞𝐫𝐢𝐞𝐧𝐜𝐞.

Join Teneale and Kelsey as they investigate the pros & cons of leasing a car, including taxes and all of those extra fees included in your purchase price.

𝑻𝒖𝒏𝒆 𝒊𝒏 𝒕𝒐𝒅𝒂𝒚!

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𝗣𝗼𝗱𝗯𝗲𝗮𝗻, 𝗦𝗽𝗼𝘁𝗶𝗳𝘆, 𝗔𝗺𝗮𝘇𝗼𝗻 𝗠𝘂𝘀𝗶𝗰, 𝗣𝗹𝗮𝘆𝗲𝗿𝗙𝗠, 𝗔𝗽𝗽𝗹𝗲 𝗣𝗼𝗱𝗰𝗮𝘀𝘁𝘀

𝐖𝐞𝐚𝐥𝐭𝐡 𝐄𝐱𝐩𝐞𝐫𝐢𝐞𝐧𝐜𝐞, a podcast by expert financial advisory firm, 𝐴𝑙𝑚𝑎𝑛 𝑃𝑎𝑟𝑡𝑛𝑒𝑟𝑠 𝑇𝑟𝑢𝑒 𝑊𝑒𝑎𝑙𝑡ℎ.  

AP Direct Invest - Alman Partners 

#wealthexperiencepodcast #almanpartners #truewealth #carleasing #buyinganewcar #splitspaces #launchpadstudios

In our 40th episode of 𝐖𝐞𝐚𝐥𝐭𝐡 𝐄𝐱𝐩𝐞𝐫𝐢𝐞𝐧𝐜𝐞, Kelsey dives into some of the common mistakes that business owners make in their own financial situations. Whether it’s mixing business and personal expenses, neglecting their own finances, or not having a retirement plan other than the business, Kelsey counts down the top 6 mistakes she comes across as a Financial Adviser.

𝐈𝐟 𝐲𝐨𝐮 𝐚𝐫𝐞 𝐚 𝐁𝐮𝐬𝐢𝐧𝐞𝐬𝐬 𝐎𝐰𝐧𝐞𝐫, 𝐦𝐚𝐤𝐞 𝐬𝐮𝐫𝐞 𝐧𝐨𝐭 𝐭𝐨 𝐦𝐢𝐬𝐬 𝐭𝐡𝐢𝐬 𝐞𝐩𝐢𝐬𝐨𝐝𝐞!

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𝗣𝗼𝗱𝗯𝗲𝗮𝗻, 𝗦𝗽𝗼𝘁𝗶𝗳𝘆, 𝗔𝗺𝗮𝘇𝗼𝗻 𝗠𝘂𝘀𝗶𝗰, 𝗣𝗹𝗮𝘆𝗲𝗿𝗙𝗠, 𝗔𝗽𝗽𝗹𝗲 𝗣𝗼𝗱𝗰𝗮𝘀𝘁𝘀

𝐖𝐞𝐚𝐥𝐭𝐡 𝐄𝐱𝐩𝐞𝐫𝐢𝐞𝐧𝐜𝐞, a podcast by expert financial advisory firm, 𝐴𝑙𝑚𝑎𝑛 𝑃𝑎𝑟𝑡𝑛𝑒𝑟𝑠 𝑇𝑟𝑢𝑒 𝑊𝑒𝑎𝑙𝑡ℎ.  

AP Direct Invest - Alman Partners 

#wealthexperiencepodcast #almanpartners #truewealth #businessowner #financialmistakes #almanpartners40years #splitspaces #launchpadstudios

In this episode of 𝐖𝐞𝐚𝐥𝐭𝐡 𝐄𝐱𝐩𝐞𝐫𝐢𝐞𝐧𝐜𝐞, Teneale is joined by special guest, Ben Brinkerhoff - Head of Advice for Consilium in New Zealand. Ben imparts some of the investment and economic wisdom that he has attained through his 20+ years of experience in the profession.

Discussing investment fundamentals, wealth-eroding investor behaviour, and the value of having a trusted financial adviser helping you steer your ship, Ben is a captivating speaker.

Be sure to tune into this episode of Wealth Experience today!

RESOURCES

The 7-Question Retirement Strategy, Ep 459 Ben Brinkerhoff - Podcasts NZ: New Zealand Podcasts

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𝗣𝗼𝗱𝗯𝗲𝗮𝗻, 𝗦𝗽𝗼𝘁𝗶𝗳𝘆, 𝗔𝗺𝗮𝘇𝗼𝗻 𝗠𝘂𝘀𝗶𝗰, 𝗣𝗹𝗮𝘆𝗲𝗿𝗙𝗠, 𝗔𝗽𝗽𝗹𝗲 𝗣𝗼𝗱𝗰𝗮𝘀𝘁𝘀

𝐖𝐞𝐚𝐥𝐭𝐡 𝐄𝐱𝐩𝐞𝐫𝐢𝐞𝐧𝐜𝐞, a podcast by expert financial advisory firm, 𝐴𝑙𝑚𝑎𝑛 𝑃𝑎𝑟𝑡𝑛𝑒𝑟𝑠 𝑇𝑟𝑢𝑒 𝑊𝑒𝑎𝑙𝑡ℎ.  

AP Direct Invest - Alman Partners 

#wealthexperiencepodcast #almanpartners #truewealth #benbrinkerhoff #consiliumnz #investmentwisdom #splitspaces #launchpadstudios

Can AI generate better financial advice than a qualified and experienced Financial Adviser?

In this episode of 𝐖𝐞𝐚𝐥𝐭𝐡 𝐄𝐱𝐩𝐞𝐫𝐢𝐞𝐧𝐜𝐞, Teneale and Kelsey pull apart a financial advice generated by AI. This great scenario was put forward to us by Alman Partners’ Client Service Officer, Jodie Coates wanting to understand the difference between the 2 outputs.

Tune in to Wealth Experience as we dive into the results.

 *DSS Guide refers to Department of Social Services Guide.

RESOURCES

MoneySmart Calculators & Tools

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𝗣𝗼𝗱𝗯𝗲𝗮𝗻, 𝗦𝗽𝗼𝘁𝗶𝗳𝘆, 𝗔𝗺𝗮𝘇𝗼𝗻 𝗠𝘂𝘀𝗶𝗰, 𝗣𝗹𝗮𝘆𝗲𝗿𝗙𝗠, 𝗔𝗽𝗽𝗹𝗲 𝗣𝗼𝗱𝗰𝗮𝘀𝘁𝘀

𝐖𝐞𝐚𝐥𝐭𝐡 𝐄𝐱𝐩𝐞𝐫𝐢𝐞𝐧𝐜𝐞, a podcast by expert financial advisory firm, 𝐴𝑙𝑚𝑎𝑛 𝑃𝑎𝑟𝑡𝑛𝑒𝑟𝑠 𝑇𝑟𝑢𝑒 𝑊𝑒𝑎𝑙𝑡ℎ.  

AP Direct Invest - Alman Partners 

#wealthexperiencepodcast #almanpartners #truewealth #aifinancialadvice #financialadvice #humaninadvice #splitspaces #launchpadstudios