NZ Guide to Financial Freedom

Quick Fire Question Of The Day: "I am 40 this year, a single mum with young kids and have been bad with money until three years ago. Since then, I have invested in KiwiSaver and in two ETFs (exchange traded funds), one international and the other local. With a frugal lifestyle for the last three years and these investments I have managed to save about 5 per cent for a $750,000 house. I am based in...

Quick fire question of the day: "My husband and I are in our late 60s and we have the bulk of our savings, over $500,000 each, in a moderate KiwiSaver account with the same bank. Is it crazy for us to use the same provider, putting all our eggs in one basket? What do you think?" Question Source: NZ Herald 29 August 2020. Audio edited by: www.nzaudioeditors.com/ . Once again for those wanting their...

We act as though we'll live forever but what if we don't?  It's a sad truth that no-one wants to talk about but everyone needs to. In this case we hear the story of a young New Zealander  dealing with the aftermath of a terminal prognosis. A story that hits close to home for Greg Moyle as he nursed his late wife throughout her final seven years of life. Although hard at times we still love to answ...

Naturally, we're going to be a bit bias on this issue given our background, but the idea stems from a study completed by the largest passively managed fund in the world, Van Guard, that found advisers add 3% to a fund's performance. There are definitely people that are better off doing it themselves but this episode is for those on the verge of making an irreversible mistake with their money or wh...

The quick fire finance question of the day: "My latest KiwiSaver statement projected a balance of $253,000 when I’ll turn 65 in 14 years, allowing about $200 per week. I thought that sounded positive, until I went to ANZ’s KiwiSaver calculator, which said that for a comfortable life I would need about $1.65 million, or $1,190 per week (cash, after housing) — about twice what I can expect from comb...

There are very few moments in life where you meet someone that practices what the preach. That purely through the action of existing they have the power to influence those around them. Our guest for this week’s podcast, Andrew Hoggard, is one such individual. Whether it be selling a 200k product that he knew nothing about, changing the lives of suicidal teens, or impacting corporations to sell fro...

Question answered in today's Quick Fire Finance episode:  "I read with interest the correspondence on “how much is enough” to retire on. It seems some people expect to live in a way that exceeds most of us during our working lives! A major key is home ownership of course. Without that or a comfortable motor home perhaps, all bets are off. At 85, with a debt-free house and by myself in Auckland, I...

Very few people want to hear about finance but everyone should because if we collectively upskill as a nation, then all our lives could be considerably better. With that in mind, it’s with great pleasure that I introduce to you the first episode of Quick-Fire Finance. A series where we share as much value as we can muster in the shortest amount of time.  With the first question of the series: “Bei...

People are in a perpetual zombie like state. Pushed through the factory of security and safety. Assembled in the lobby of forgotten dreams.  How long will you wait for that 'perfect moment' to live a life worth living not just enduring? I must admit this podcast went to the dogs when we got caught up in a fit of laughter but it just rammed home the distinction between thriving and surviving. Our g...

What drives a man to acquire the country's largest private collection of military art? Many of our long standing listeners will know our very own, Greg Moyle, is a retired Major.  His experience in basic training and stint in East Timor for the United Nations had a profound effect on his values and perspectives. This combined with the positive influence of a NZ art teacher started his 40 year jour...

Will our children live in a world you're proud of? Will you look back with admiration knowing you helped shape their present? It's a hard pill to swallow knowing the doors to a better future could be closing in. That if we don't do something now, it could be too late. This idea stems from a businessman's mindset and a Father's love. That businessman and our guest, Colart Miles, has a far from ordi...

Behavioural finance is one of the most neglected and misunderstood aspects of investing. Many chase wealth and returns with no real comprehension of the underlying drivers that lead some to success and many to failure. It's about time we talk about it. --- Send in a voice message: https://anchor.fm/ryanjmelton/message

Employment Law specialist of www.lojo.co.nz and all round good bloke, Duncan Coats, sharing why the wage subsidy isn't all sunshine and rainbows.  That if you aren't ticking the right boxes you could face the scrutiny of a government induced audit, but, more importantly, what you should be doing ahead of time to make sure your heads not on the chopping block. --- Send in a voice message: https://a...

These days climbing the property ladder feels closer to falling. Increasing tax obligations, no negative gearing, more rights for tenants, and worst of all leaky homes. If you’re using rental property as your avenue for achieving financial freedom you need to go in with your eyes open or at the very least get Greg Moyle’s ‘property for the now’ prescription from this week’s episode. Also, if you’r...

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...

“Without tradition, art is a flock of sheep without a shepherd. Without innovation, it is a corpse.”- Winston Churchill. Behind every great hardship is an opportunity. An opportunity to be better than you were yesterday. A motivation to be more than you are today and the focus to execute on a greater tomorrow.  An execution that starts with a strategy. A strategy brought to us by none other than t...

An insider could halve the value of your property and steal your children's inheritance. Every morning you're looking into the eyes of someone you love as they quietly scheme your future down fall. What can you do? What shouldn't you do? And why you should do it regardless. --- Send in a voice message: https://anchor.fm/ryanjmelton/message

The story of Daniel Leviathan is far from a straightline. Starting off as a 12 year old who didn't know how to read or write, he later got a job selling ice cream at 17, and worked his way up to the head of strategy of a multi-million dollar business with 400 employees. At the ripe age of 21, he was leading the Innovation & Artificial Intelligence department in the Israeli intelligence Corps. He w...

If you had the opportunity to develop the knowledge you need to protect and grow your wealth would you take it? You'll see in this episode how much we love to help so if you have a burning question you'd like answered, send it through to ryan@oneplan.co.nz  and we'll make sure to include it. --- Send in a voice message: https://anchor.fm/ryanjmelton/message

 A holy trinity that incorporates letters from the Prime Minister, concerts for the elderly and a strong desire not to be in the circus. Geoffrey Hughes, the director of  www.hughesjuddaccounting.co.nz , has lived a life of extrodinary variation but his fundamentals for running a successful business have always remained the same. Join us as we uncover the holy trinity of what makes a company great...

If the world descended into chaos today would you have the capacity and understanding to survive on your own? Despite my mother's best endeavours I probably wouldn't. Instead of a green thumb I have a I don't want to do it thumb but many kids these days don't even have that, at least they didn't until Greg Moyle came along.   So if you're curious on why a successful financial planner is selling av...

Nearly, half of all businesses fail in the first five years. Not the sort of odds you'd want to hear from your doctor. Yet many New Zealanders still blindly take their first step towards financial ruin without ever considering the possibility of a businesss plan. Murray Phillips, of www.insightca.nz and our first ever guest on the podcast, breaks down the fundamentals of what makes a good business...

Everyone for the most part knows what they need to do, but, very few do it. Why? What's stopping you and why do some fail while others prosper? Kurt Lewin, one of the founding fathers of organisational psychology, broke it down in his formula B = f(P, E); your behaviour is equal to your personal characteristics and the environment you're in. As much as we like to think we're wolves we're actually...

Plan A is always a great idea until it isn't. It made sense, you did the numbers, you did the research; you had it all worked out. Then COVID hit, your home started leaking, your marriage dissolved and your car broke down. Life can throw curve balls so you need to have the right provisions and financial know how, to swing with it. Which is all very well if time is on your side, but, what if it isn...

On some level we all feel the education system is due for a revamp. The challenge we face, despite being world leaders in classroom innovation, is the rigid structure and bureaucracy that comes with such a long-standing system. A place where good ideas go to die. In this episode we consider the process of going around instead of through by appealing to the masses instead of just trying to convince...