The Wealth Guide Podcast

If you want to take control of your finances, generate wealth, and secure your future, visit: https://rykercapital.com.au/our-service/ ----- In this episode, Head of Advice and Senior Financial Advisor Ricky Regmi shares his story of how he went from being a CPA to an army reservist and a seasoned financial planner. Ricky talks about how to turn early financial literacy into a powerful tool for bu...

If you want to take control of your finances, generate wealth, and secure your future, visit: https://rykercapital.com.au/our-service/ ----- In this episode, executive financial advisor Dean Desoukey shares his journey into financial planning and reveals the secrets to achieving financial success for everyday people. He shares how a chance university elective ignited his passion for finance, why e...

If you want to take control of your finances, generate wealth, and secure your future, visit: https://rykercapital.com.au/our-service/ ----- In this episode, our Director at Ryker Capital, Ray Regmi, shares the best lessons he learned from being a 22-year-old bank manager to a seasoned financial advisor with over 15 years of experience. Ray shares how he blends technical expertise with people skil...

If you're a business owner or individual who wants to take control of your finances, generate wealth, and secure your future, visit: https://rykercapital.com.au/our-service/ ----- In this episode, we're joined by Ray Regmi, a seasoned financial advisor and the founder of Ryker Capital, and his client, Nick Chong. Ray shares how he helped Nick gain clarity on his financial situation, iden...

In this episode, we're joined by Jack Oineza, an award-winning financial expert with 24 years of experience helping individuals and businesses achieve their life goals and financial well-being. Jack shares how a chance encounter at a barbeque sparked his career in finance, the value of understanding a client's personal goals beyond just numbers, and why educating clients is the cornersto...

In this episode, Ricky shares a case study highlighting the importance of comprehensive estate planning and how financial advisors and lawyers work together to fulfil clients' wishes. He talks about the critical role of updating wills after significant life events, the benefits of binding non-lapsing nominations in superannuation, and the strategic use of investment bonds for tax-efficient in...

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 utili...

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...

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 you...

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 flexi...

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 a...

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 discipl...

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 partnership...

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 th...

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-cha...

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 disc...

In this episode, we have Peter White AM again, the Managing Director of the FBAA or Finance Brokers Association of Australia Limited, the leading national association for finance and mortgage brokers with over 11,000 members. We talk about how broker can increase their revenue by providing holistic, value-added services, why the transactional broking business model is dead, and how financial plann...

In this episode, we have Peter White AM, the Managing Director of the FBAA or Finance Brokers Association of Australia Limited, the leading national association for finance and mortgage brokers with over 11,000 members. Peter talks about the crucial role of mortgage brokers in the current financial landscape, the importance of mental health awareness in the broking industry, and the journey of adv...

In this episode of The Wealth Guide Podcast, our senior financial planner, Dean Desoukey, shares a client case study about how he helped a mature couple catch up on their retirement savings after years of low superannuation contributions.   Dean talks about assessing the couple's cash flow to find capacity for additional super contributions, utilising salary sacrifice contributions to maximis...

In this episode of The Wealth Guide Podcast, our senior financial planner Ricky Regmi shares a case study of how he helped a 67-year-old client save over $40,000 through strategic retirement planning. He talks about the benefits of extending employment to maximise employer super contributions, the tax advantages of transitioning to a pension account, and the importance of understanding the compoun...

In this episode of The Wealth Guide Podcast, our Director and Senior Financial Planner, Ray Regmi, shares a case study of a couple medical practitioners who significantly benefited from setting up a self-managed super fund (SMSF). Ray talks about how SMSFs allow greater control and flexibility compared to retail or industry super funds, the responsibilities involved with running an SMSF, and the n...

In this episode of The Wealth Guide Podcast, our Senior Financial Planner, Dean Desoukey, shares his expertise through a detailed client case study to demonstrate that you don't need pots of money to benefit from financial advice.  All you need is income and excellent advice in managing that cash flow to get you ahead and hit your goals as soon as possible. Dean talks about diversifying your...

In this episode, Ricky shares a case study of how he helped a client whose husband needed aged care and reveals the strategies that significantly reduced their costs. He discusses the critical role of a financial advisor in aged care planning, the importance of understanding Centrelink assessments and aged care fees, and the impact of timing on the date of entry into a nursing home. Ricky also exp...

In this episode of The Wealth Guide Podcast, our Director and Senior Financial Planner, Ray Regmi, shares how the TTR, or Transition to Retirement strategy, can significantly boost your superannuation and reduce your taxes. Ray talks about the concept of preservation age, the value of having an accumulation and pension account, and the potential tax benefits of the transition to retirement strateg...

In this episode of The Wealth Guide Podcast, our Senior Financial Planner, Dean Desoukey, shares an inspiring story of how his client, a single mother with two children, one with a disability, overcame financial stress and uncertainty to secure her future.  Dean shares how he consolidated her super funds to save over $700 a year in fees, optimised her budget to enable tax-saving salary sacrifice i...