NZ Business Owners

For far too long the dark underbelly of the financial elite has crippled the progression of hard-working individuals. Their ill intentions and selfish pursuits have shrouded the idea of what constitutes sound, sane, and sensible financial advice. It's time we break the narrative and unravel the secrets that have lead to the greatest income disparity in human history. Join me as we embark on your j...

For far too long the dark underbelly of the financial elite has crippled the progression of hard-working individuals. Their ill intentions and selfish pursuits have shrouded the idea of what constitutes sound, sane, and sensible financial advice. It's time we break the narrative and unravel the secrets that have lead to the greatest income disparity in human history. Join me as we embark on your j...

The most important thing for any business owner is managing cash flow and one of the hardest things while juggling all the facets of business is using the right debt vehicle to achieve the right outcome. In an ideal world you wouldn't need it but unfortunately that's not the world we live in. So before you make a mistake too costly to fix I implore you to listen to the insights of business loan ex...

For far too long the dark underbelly of the financial elite has crippled the progression of hard-working individuals. Their ill intentions and selfish pursuits have shrouded the idea of what constitutes sound, sane, and sensible financial advice. It's time we break the narrative and unravel the secrets that have lead to the greatest income disparity in human history. Join me as we embark on your j...

For far too long the dark underbelly of the financial elite has crippled the progression of hard-working individuals. Their ill intentions and selfish pursuits have shrouded the idea of what constitutes sound, sane, and sensible financial advice. It's time we break the narrative and unravel the secrets that have lead to the greatest income disparity in human history. Join me as we embark on your j...

Ever wondered what quantitative easing, the OCR and inflation have in common? Probably not but you should. These three concept could make or break your financial future. If you're using term deposits as your strategy to combat this you're in big trouble and here's why.... Also, if you're wanting your question answered on the podcast email me at ryan@oneplan.co.nz , send a voice message below or ca...

For far too long the dark underbelly of the financial elite has crippled the progression of hard-working individuals. Their ill intentions and selfish pursuits have shrouded the idea of what constitutes sound, sane, and sensible financial advice. It's time we break the narrative and unravel the secrets that have lead to the greatest income disparity in human history. Join me as we embark on your j...

For far too long the dark underbelly of the financial elite has crippled the progression of hard-working individuals. Their ill intentions and selfish pursuits have shrouded the idea of what constitutes sound, sane, and sensible financial advice. It's time we break the narrative and unravel the secrets that have lead to the greatest income disparity in human history. Join me as we embark on your j...

Anything significant I have ever achieved in my life has been through the guidance or support of someone else.  We’ve all heard the saying your network is your net worth but what are some tactical and tangible ways of utilising this essential resource? Listen as Grant Finer , Principal Connector of Business Strategy New Zealand , shares the skills he's learned from running one of the largest...

For far too long the dark underbelly of the financial elite has crippled the progression of hard-working individuals. Their ill intentions and selfish pursuits have shrouded the idea of what constitutes sound, sane, and sensible financial advice. It's time we break the narrative and unravel the secrets that have lead to the greatest income disparity in human history. Join me as we embark on your j...

For far too long the dark underbelly of the financial elite has crippled the progression of hard-working individuals. Their ill intentions and selfish pursuits have shrouded the idea of what constitutes sound, sane, and sensible financial advice. It's time we break the narrative and unravel the secrets that have lead to the greatest income disparity in human history. Join me as we embark on your j...

 The day you start your business is the day you should plan your exit. Sounds a bit strange planning to quit before you even start, but, it's an essential idea to all those brave enough to dip their toes in the world of business. Structuring your business in such a way that it it operates with or without you and having process in place where your money works for you not you for it. If you're...

For far too long the dark underbelly of the financial elite has crippled the progression of hard-working individuals. Their ill intentions and selfish pursuits have shrouded the idea of what constitutes sound, sane, and sensible financial advice. It's time we break the narrative and unravel the secrets that have lead to the greatest income disparity in human history. Join me as we embark on your j...

For far too long the dark underbelly of the financial elite has crippled the progression of hard-working individuals. Their ill intentions and selfish pursuits have shrouded the idea of what constitutes sound, sane, and sensible financial advice. It's time we break the narrative and unravel the secrets that have lead to the greatest income disparity in human history. Join me as we embark on your j...

The biggest threat to the success of your business is a resistance to change. Sure it’s unpredictable, uncomfortable, and unbearable at times, but, if you stagnate in your rigid view and fight the technological advancements of the world then the resulting effect is undeniable, just look at Blockbuster and Kodak. Whether you believe in social media or not, the trend is happening with or without you...

Quick Fire Finance Of The Day: "My two children (now 23 and 21) were incredibly lucky to inherit $100,000 each in 2012. We looked at Auckland investment property and felt things were so hot it might fall over at any minute. Boom crash wallop — and their money would be halved. As we now know, I could have quadrupled it. It’s not too bad of course, they have the money which has sat untouched in term...

Quick Fire Finance Of The Day: "I recently inherited some money when my mother died. I am soon to turn 54 and am mortgage-free. Is putting a bulk sum into Kiwisaver a good idea? My contributions have been intermittent as I am a contractor." Source: 29th of September  2018 NZ Herald Also, if you're wanting your question answered on the podcast email me at ryan@oneplan.co.nz , send a voice mess...

Time and time again we see family's financial wellbeing fall apart because of a poorly structured estate. If you've repartnered, have kids from a prior relationship or just want to upskill your understanding to help those around you, then this episode is for you. If you're wanting your question answered on the podcast email me at ryan@oneplan.co.nz , send a voice message below or capitalise on our...

"We are into our 70's and are wondering whether we should draw down on our kiwisaver, and if so what should we do with the money?" Jordan quizzes Ryan this week on this very question on the latest episode of The NZ Guide to Financial Freedom. Source: NZ Herald If you're wanting your question answered on the podcast email me at ryan@oneplan.co.nz , send a voice message below or capitalise on our fr...

So, "is $100,000 in Kiwisaver enough to retire with in New Zealand?" Listen in as we discuss the in's and the out's of this question on todays instalment of Quickfire Finance, NZ Guide to Financial Freedom. Source: NZ Herald Also, if you're wanting your question answered on the podcast email me at ryan@oneplan.co.nz , send a voice message below or capitalise on our free online tools and advice: Fi...

Anti-Money Laundering (AML) compliance is steadily draining expertise from the pool of available resources with increased regulatory expectations seen as the biggest resourcing challenge in the years ahead. Shortages of trained staff and technology concerns have become widespread challenges across the industry. Daniel Rogers , founder of Avid AML , started his career in global transaction ban...

I'm almost 65, I have 140k in Kiwisaver and a 183k mortgage. Can I withdraw my Kiwisaver early to pay it off? If you're wanting your question answered on the podcast email me at ryan@oneplan.co.nz , send a voice message below or capitalise on our free online tools and advice: Find Out How We Can Help You Get A Free Book and Subscription To Ryan's Weekly Newsletter Find Ryan On Social Media Have Yo...

Solo mum reaches out for guidance on future proofing her children's Kiwisavers. If you're wanting your question answered on the podcast email me at ryan@oneplan.co.nz , send a voice message below or capitalise on our free online tools and advice: Find Out How We Can Help You       Get A Free Book and Subscription To Ryan's Weekly Newsletter       Find Ryan On Social M...

I'm really worried about this generation of Hatch and Sharsies investors as their behaviour is so similar to that of the stock market crash in 1987. The Crash by Liam Dann in the NZ Herald describes it well: “It all happened too quickly,” says Des Hunt, a longtime investor and founding member of the NZ Shareholders Association. “What surprised me and frightened me was that everybody thought that i...

Quick Fire Finance Of The Day: "After retiring last year, in June this year I moved all of my savings into ASB KiwiSaver. I chose a balanced fund to mitigate risks. I have now lost a considerable sum of money. I put in $666,430, and it’s now $641,136. I’ve made no further contributions or withdrawals. I fear that I will never recoup this loss and I may continue to see my savings disappear. I searc...