NZ Business Owners

Ep 219: Without This One Thing You Could Lose Everything

30 Nov 2021

Contributed by Lukas

I was robbed six times over the course of two weeks. Not something you expect but something that happens many times over here in New Zealand. The bigg...

Ep 218: The Next Crash

28 Nov 2021

Contributed by Lukas

What is the real concern for investment markets?

Ep 217: The Secret to Happiness

25 Nov 2021

Contributed by Lukas

When I only had $20 to my name, three days of food and a two-person tent I wrote down a dream. I want to build a business centred around helping peopl...

Ep 216: Is the Reserve Bank Destroying The NZ Economy?

23 Nov 2021

Contributed by Lukas

Many of you would have heard of the Reserve Bank of New Zealand but what do they even do and why are they letting inflation get so out of hand? 

Ep 215: Before You Kill Yourself Please Listen To This

21 Nov 2021

Contributed by Lukas

I have had countless conversations with people on the verge of suicide where if they hadn't reached out they might not be here. I know someone listeni...

Ep 214: Leveraging Your Way To Financial Freedom

18 Nov 2021

Contributed by Lukas

Since July 1998 a floating rate mortgage has averaged 7% with a 2 year fixed rate mortgage being 6.5%. Best case scenario a growth fund provides an af...

Ep 213: KiwiSaver, How do you Pick It?

16 Nov 2021

Contributed by Lukas

With so many options out there it can be hard to distinguish between a good KiwiSaver fund and a great KiwiSaver fund. Many will have you believe it's...

Ep 212: NZ Economy on the Verge of Collapse

14 Nov 2021

Contributed by Lukas

The whole financial system is about to collapse and there's nothing we can do about it. At least that's what the newspapers would have you believe. Th...

Ep 211: Investing 101

11 Nov 2021

Contributed by Lukas

In this episode I share the underlying investment principles that meant over the 33 years of being in business our clients have never lost any money.

Ep 210: Is NZ's Public Health System Broken?

09 Nov 2021

Contributed by Lukas

Medical care is free, why would I need insurance? One of the most misunderstood insurances in New Zealand is medical. We think it's only countries lik...

Ep 209: Govt Offers $200k To First Home Buyers

07 Nov 2021

Contributed by Lukas

The first home partner is an interesting policy brought in by our government. It might be for you it might not. Only one way to find out.

Ep 208: Will Your Savings Be Enough?

04 Nov 2021

Contributed by Lukas

Losing your ability to work can hit you and your family hard. Sure there are instances where ACC or Work and Income can help, but, what if you want mo...

Ep 207: Could Inflation Bankrupt New Zealand?

02 Nov 2021

Contributed by Lukas

The real threat to businesses isn’t Covid its interest rates. It’s inevitable, inflation is just too high. The reserve bank needs to do somethin...

Ep 206: Is The Pension Running Out Greg Moyle?

31 Oct 2021

Contributed by Lukas

"Hi Greg, I'm wondering if you could ease my concerns about New Zealand Superannuation. I'm 35 years old and I don't think the government will have ...

Ep 205: Could This Happen To You?

28 Oct 2021

Contributed by Lukas

The world's soil is being depleted of nutrients, obesity is climbing at alarming rates with a devasting amount of NZers showing signs of anxiety and d...

Ep 204: Do This 1 Thing Before It's Too Late

26 Oct 2021

Contributed by Lukas

Life insurance is the unsung hero of estate planning. Sure you hear the stories of misleading insurance brokers and greedy providers but if you take t...

Ep 203: 7 Tips To Improve Your Sleep By Neuroscientist Andrew Huberman PhD

24 Oct 2021

Contributed by Lukas

In this episode we explore one of the most important topics we've never discussed, sleep. An epidemic impacting more people than Covid. If you're not ...

Episode 202: The Psychology of Investing

21 Oct 2021

Contributed by Lukas

We see the world through our mind. You might have heard of the hypothesis that we're all living in a simulation. Which sounds too far fetched to be tr...

Ep 201: Invest Like Warren Buffet

19 Oct 2021

Contributed by Lukas

I know no matter what I say many of you are going to invest into shares. So in this episode I break down the latest school of thought relating to all ...

Ep 200: Is Property A Bad Investment?

17 Oct 2021

Contributed by Lukas

Most New Zealanders accumulated their wealth through the power of property. With prices at record highs it feels like you're missing out if you don't ...

Ep 199: Making Money From A Mortgage

14 Oct 2021

Contributed by Lukas

"Peer-to-peer lending providers match people who want loans with people who might be willing to fund those loans. You may be offered a high interest r...

Ep 198: How To Know You're Being Scammed

12 Oct 2021

Contributed by Lukas

The shortest way round is the longest way home. The desire to escape the rat race impulses New Zealanders into making poor financial decisions. I don'...

Ep 197: Is Gold A Good Investment?

10 Oct 2021

Contributed by Lukas

There will be a time where the market crashes impacting the majority of your portfolio. Not a pretty sight, is there something you could have done? In...

Ep 196: Are ETFs A House Of Cards?

07 Oct 2021

Contributed by Lukas

Exchange traded funds are all the rage these days but there's one thing that has many experts worried. What do you think it is?

Ep 195: The Secret To Forex Trading

05 Oct 2021

Contributed by Lukas

Have you ever wondered what makes the New Zealand dollar go up and down? Why NZers brag about how much money they're making on the Forex, only to lose...

Ep 194 : 4 Investment Hacks Elite Fund Managers Use

03 Oct 2021

Contributed by Lukas

You might have heard of terms like futures, options, swaps and CFDs. What in god’s name could it all mean and why should you care? In this episode, ...

Ep 193: The Unicorn Of Investing

30 Sep 2021

Contributed by Lukas

"What is crowdfunding? Crowdfunding works by many people (the crowd) putting in small amounts of money to raise funds for a company or project. When ...

Ep 192: 2 KiwiSaver Essentials

28 Sep 2021

Contributed by Lukas

"Cash investments are relatively safe because you’re promised a fixed interest rate. But the returns you get through interest rates tend to be low, ...

Ep 191: 1 Thing Stopping NZ Banks From Collapsing

26 Sep 2021

Contributed by Lukas

"Capital notes are often issued by well-known banks, but are riskier than bank deposits. They may not be suitable for many investors. A household nam...

Ep 190: The Ultimate Guide To Investing In Bonds

23 Sep 2021

Contributed by Lukas

The Ultimate Guide To Investing In Bonds. "Bonds are loans from investors to governments and companies for a fixed length of time, or term. Although t...

Ep 189: Warning! Are You Making This Mistake With Your Money?

21 Sep 2021

Contributed by Lukas

"What are binary options? Also called ‘all-or-nothing’, ‘fixed return options’ or ‘digital options’, binary options enable you to make (o...

Ep 188: Why Managed Funds Make You Rich

19 Sep 2021

Contributed by Lukas

A managed fund is a type of financial vehicle made up of a pool of money collected from many investors to invest in securities like stocks, bonds, pr...

Ep 187: How Is Cryptocurrency Taxed?

16 Sep 2021

Contributed by Lukas

"Cryptoassets are treated as a form of property for tax purposes. While there are different types of cryptoassets, the tax treatment depends on the ch...

Ep 186: Investment Battle: Australia Vs New Zealand

14 Sep 2021

Contributed by Lukas

Over half a million Kiwis are living in Australia with a potential taxation nightmare the moment they return home.  In this episode we explore bu...

Ep 185: Closing The Investment Gap With Simran Kaur

12 Sep 2021

Contributed by Lukas

Simran the co-founder of one of the largest investing education podcasts in the world, Girls That Invest, shares her journey, insights and how she tur...

Ep 184: Where Should Uni Students Invest?

09 Sep 2021

Contributed by Lukas

Quick Fire Finance Of The Day: "I want to start thinking about investing my money and/or saving for the future but I am a student and don’t have con...

Ep 183: Who Wins In Family Court?

07 Sep 2021

Contributed by Lukas

"How the Family Court divides relationship property General principles The judge will be guided by some general principles when they divide your r...

Ep 182: 'ETFs The Next Bubble' Michael Burry From 'The Big Short' Says

05 Sep 2021

Contributed by Lukas

"Please would you let us know your thoughts on Michael Burry’s view that ETFs and index funds are the next bubble. Have just invested a fair bit thr...

Ep 181: What Is Relationship Property?

02 Sep 2021

Contributed by Lukas

"Property is divided into two categories, relationship property and separate property. What is “relationship property”? Property (Relationships)...

Ep 180: Is It Mine Or Theirs?

31 Aug 2021

Contributed by Lukas

"Usually a relationship will need to have lasted at least three years for the PRA’s equal-sharing regime to apply. However, sometimes shorter relati...

Ep 179: Marketing With Purpose / Ben Male

29 Aug 2021

Contributed by Lukas

Ben Male Founder of Team Empathy: "People go into business to help other people ❤️Whether it's local services, fresh produce, tangible products or...

Ep 178: When Does My Ex Get Everything?

26 Aug 2021

Contributed by Lukas

"The Property (Relationships) Act 1976 deals with how the property of married couples, civil union partners and de facto couples is divided when a rel...

Ep 177: Four Ways To Own Property

24 Aug 2021

Contributed by Lukas

"There are different types of land ownership in New Zealand. The type of ownership has a direct impact on what you can and cannot do with the property...

Ep 176: Is Investing All Hype With Greg Moyle?

22 Aug 2021

Contributed by Lukas

"'We are saving via a small basket of shares as a long-term investment, including a couple of managed funds and an index fund. I appreciate your advic...

Ep 175: The Final Stage Of Buying/Selling Property

19 Aug 2021

Contributed by Lukas

What you need to be mindful of when you're nearing the end of the sale

Ep 174: The Middle Stage Of Buying/Selling Property

17 Aug 2021

Contributed by Lukas

You've almost closed the deal, what should you look for?

Ep 173: Business Lending With Financial Adviser Doug White

15 Aug 2021

Contributed by Lukas

Business Financial Adviser from Finsol Doug White: "I’ve been in the banking game for the last twenty years, and before joining Finsol, I was a Busi...

Ep 172: First Home - Managing Your Mortgage

12 Aug 2021

Contributed by Lukas

You begrudgingly sold your life to the bank now what? The first step in managing your mortgage is knowing when to hold them and when to fold them. &nb...

Ep 171: Property Law – The Initial Stage

10 Aug 2021

Contributed by Lukas

When you hear the phrase: ‘you should talk to a lawyer’ the hair on the back of your neck stands up. Don’t lose hope. They’re an essential too...

Ep 170: Is Property > Shares with Greg Moyle

08 Aug 2021

Contributed by Lukas

"I am almost 57 years old, a single woman. I own a home in central Wellington worth $1.3 million, with a $45,000 mortgage. No other savings or debts (...

Ep 169 First Home - How Much Can You Borrow?

05 Aug 2021

Contributed by Lukas

Ok you've decided you want a house, now what?

Ep 168: First Home - Lender Questions

03 Aug 2021

Contributed by Lukas

It sounds silly but sometimes just asking the right questions can make the world of difference to your mortgage. Here’s a few to get you started: “...

Ep 167: Unlock Your Subconscious With Child Psychologist Dr Emma Woodward

01 Aug 2021

Contributed by Lukas

Dr Emma Woodward founder of The Child Psychology Service: "As well as being a child psychologist, I’m a mum to four boys. This means that I’m real...

Ep 166: Buying Your First Home

29 Jul 2021

Contributed by Lukas

With house prices skyrocketing beyond the income of the average New Zealand household the idea of building up the resources to purchase a new home can...

Ep 165: Estate Planning - Divorce & Separation

27 Jul 2021

Contributed by Lukas

Property (Relationships) Act 1976, s 1N "The law relating to the division of relationship property is guided by these general principles: · men and w...

Ep 164: The Wolf Of Queen Street Lawrence Lotze

25 Jul 2021

Contributed by Lukas

Lawrence Lotze, host of 'The Wolf of Queen Street' Podcast has always had a passion for helping to connect people through similar life experiences and...

Ep 163 - Estate Planning - Losing A Partner

22 Jul 2021

Contributed by Lukas

Funeral costs You’ll need to think about the kind of send-off you want for your partner, but also about what you can afford. Talk to a funeral direc...

Ep 162: Estate Planning - Family Trust

20 Jul 2021

Contributed by Lukas

"The idea with a family trust is to protect the ownership of our assets. Here’s how trusts work: we transfer the legal ownership of our assets ...

Ep 161: Guest Appearance On Find My Voice

18 Jul 2021

Contributed by Lukas

John Maybury host of the 'Find My Voice' podcast, invites me on to discuss the power of brand, marketing and how to produce 70 pieces of content a wee...

Ep 160: Estate Planning - Wills

15 Jul 2021

Contributed by Lukas

"How to make a will Don't have a will yet, or need to update a previous will? You can get one drafted by someone with experience, such as a lawyer or...

Ep 159: Estate Planning - Enduring Powers Of Attorney

13 Jul 2021

Contributed by Lukas

"An enduring power of attorney (EPA) is a legal document giving someone the power to act for us if we lose the ability to make decisions for ourselves...

Ep 158: Insure A Better Future with Pamela Deal

11 Jul 2021

Contributed by Lukas

Pam has been involved in the financial services industry since 1974, having spent 22 years in banking leaving a Branch Management position to pursue a...

Ep 157: Mortgages - Revolving Credit

08 Jul 2021

Contributed by Lukas

"Revolving credit loans work like a giant overdraft. Your pay goes straight into the account and bills are paid out of the account when they’re due....

Ep 156: Mortgages - Reducing balance (non-table) loans

06 Jul 2021

Contributed by Lukas

Reducing or straight line mortgages repay the same amount of principal with each repayment, but a reducing amount of interest each time. These are qui...

Ep 155: The Future Of Financial Advice With Darcy Ungaro

04 Jul 2021

Contributed by Lukas

Darcy Ungaro, host of the NZ Everyday Investor and Director of Ungaro & Co: "Unorthodox, slightly contrarian, a bit eccentric- be prepared to hear...

Ep 154: Mortgage - Offset Loans

01 Jul 2021

Contributed by Lukas

"An offset mortgage setup can reduce the amount of interest you pay on your mortgage. Typically, interest is payable on the full amount of a loan. But...

Ep 153 - Mortgages Table Loans

29 Jun 2021

Contributed by Lukas

"Table loan This is the most common type of home loan. You can choose a term up to 30 years with most lenders. Most of the early repayments pay off th...

Ep 152: Mortgage Matchmaking with New Zealand Mortgage Broker Jack Windler

27 Jun 2021

Contributed by Lukas

Jack Windler From Mortgage Supply Co:  "A commitment to a mortgage is a long term proposition that can deliver so much to people as they look to ...

EP 151: Mortgages - Interest Only

24 Jun 2021

Contributed by Lukas

How can you show interest without seeming too interested? If only investing in property was as easy as the questions posed in Women’s Weekly. In thi...

Ep 150: Mortgages - Fixed Vs Floating

22 Jun 2021

Contributed by Lukas

As the great Shakespeare would say: to fix or not to fix that is the question. The challenge for any new homeowners or investors is deciding whether t...

Ep 149: KiwiSaver Bargains With Greg Moyle

20 Jun 2021

Contributed by Lukas

The hidden costs of going cheap. •   Book a Free appointment with Ryan   If you're wanting your question answered on the podcast emai...

Ep 148: Top 3 Ways To Get A Bigger First Home Deposit

17 Jun 2021

Contributed by Lukas

 With skyrocketing house prices is it even possible to get the deposit for your first home? Here are a few vehicles you might want to consider: 1...

Ep 147: Can KiwiSaver Lose All Your Money?

15 Jun 2021

Contributed by Lukas

"Your answer — late last year — to the couple who were considering the impact of both having KiwiSavers with ANZ is a little misleading. I would a...

Ep 146: Mortgage Maker Andrew Malcolm

13 Jun 2021

Contributed by Lukas

Andrew Malcolm the Managing Director of Mortgage HQ: "When Blandon and I started in business together, we shared the same frustrations but found we we...

Ep 145: The KiwiSaver Conspiracy

10 Jun 2021

Contributed by Lukas

Why did the government really start KiwiSaver? Book a Free appointment with Ryan If you're wanting your question answered on the podcast email me...

Quick Fire Fitness With PT Jordan Greville

08 Jun 2021

Contributed by Lukas

"Jordan is a trainer who focuses on building the fundamentals of your fitness first. Solid conditioning is the key to success and longevity....

Ep 143: Robo-Advice With Rupert Carlyon

06 Jun 2021

Contributed by Lukas

Rupert Carlyon The Founder Of Kōura Wealth: "Rupert has worked in financial service roles his entire career – starting at global investment bank UB...

Ep 142: I'm Afraid I Don't Have Enough

03 Jun 2021

Contributed by Lukas

Quick fire finance of the day:  "I feel like I have always scrimped and been very careful with money — firstly when I was in my 20s as my boyfr...

Ep 141: Borrow Or Invest?

01 Jun 2021

Contributed by Lukas

Should I pay off my mortgage or invest in KiwiSaver? Book a Free appointment with Ryan   If you're wanting your question answered on the pod...

Ep 140: Will My Ex Get Everything?

30 May 2021

Contributed by Lukas

Everything's going well now but what happens when it isn't? Who gets what? Click to book your free consultation. Book a Free appointment with Ryan ...

Ep 139: Is My 8% Return Enough?

27 May 2021

Contributed by Lukas

Quick Fire Finance of the day: "We’re a couple nearing our 70s, have a mortgage-free house and most of our savings in our own independent KiwiSaver ...

Ep 138: Do I Even Need A House?

25 May 2021

Contributed by Lukas

Couldn't I just sell my house and retire early? Am I missing something? Book a Free appointment with Ryan   If you're wanting your question ...

Ep 137: Finding Your Purpose With Kate Ross

23 May 2021

Contributed by Lukas

Kate Ross - "An accomplished entrepreneur and innovator, I have achieved 20 years of successful leadership in the recruitment and talent management se...

Ep 136: The Book Of Gregory James Moyle

20 May 2021

Contributed by Lukas

Greg is the founding Director of Financial Planning NZ Ltd, now known as OnePlan, and he was responsible for the company's creation. After graduating ...

Why Investing In NZ Is A Mistake

18 May 2021

Contributed by Lukas

Could nationalism affect your financial future? It’s very natural for people to gravitate towards what they know instead venturing into the big wide...

The Future Of The Podcast

16 May 2021

Contributed by Lukas

Where we see the podcast going, our plans for the business and how we plan to revolutionise the financial space. Book A Free Appointment With Us

Crypto Bubble About To Burst?

13 May 2021

Contributed by Lukas

Cryptocurrency and blockchain could very well be one of the most important inventions of our generation. The streamline efficient way of which it proc...

Simplicity Kiwisaver Not So Simple

11 May 2021

Contributed by Lukas

Simplicity is the flavour of the month with it's low fees and high returns but is that telling the whole story?  Book A Free Consultation

Is New Zealand Politics Corrupt?

09 May 2021

Contributed by Lukas

Have you ever wondered what it's like behind the scenes of New Zealand politics? Nows your chance.  Book A Free Appointment With Us   ...

Is It Too Late For Property?

06 May 2021

Contributed by Lukas

Quick Fire Finance Of The Day: "I am 48 and having recently divorced, I’m starting over. My husband and I owned no property together, so there were ...

Index Funds Or Kiwisaver? 🤔

04 May 2021

Contributed by Lukas

Is Kiwisaver even worth it in retirement or should I invest all my money in index funds? If you're wanting your question answered on the podcast emai...

Smartphone Business With CEO Ben Marris

02 May 2021

Contributed by Lukas

If I said you should run your business like a smartphone what would be your first thought? Do I mean you should scroll mindlessly on your screen, stuf...

Controversial Podcast

29 Apr 2021

Contributed by Lukas

This podcast went off the rails, viewers discretion be advised. Also, if you're wanting your question answered on the podcast email me at ryan@oneplan...

Are ETFs Doomed?

27 Apr 2021

Contributed by Lukas

Are you making a big mistake investing in ETFs? Is it a bubble? Will you lose all your money? Join Jordan Greville and Ryan Melton as they unravel the...

Life In The Middle East

25 Apr 2021

Contributed by Lukas

OnePlan's director of first impressions shares her experiences as a young woman in the middle east. If you're wanting your question answered on the ...

Is Rental Property Still A Good Idea?

22 Apr 2021

Contributed by Lukas

Quick Fire Finance Question Of The Day: "My husband and I are in our early 50s. Both our children have moved out so we’ve started thinking about pla...

Tax Efficient Investments

20 Apr 2021

Contributed by Lukas

Quick Fire Finance Of The Day: "Recent articles in the Herald advise taxpayers to ensure that they use their correct PIR rates for their investment fu...

Transform Your Career & Life With Sarah Newton Palmer

18 Apr 2021

Contributed by Lukas

About Sarah Newton-Palmer: "I work as a life and career coach, and senior facilitator, in the field of life transitioning and leadership development. ...

Person In Need Or Dole-Bludger?

15 Apr 2021

Contributed by Lukas

If you had to swindle the tax payer out of their money how would you do it? If you're wanting your question answered on the podcast email me at ryan@...

Where Should You Invest?

13 Apr 2021

Contributed by Lukas

It's not easy filtering through the noise. Many New Zealanders fall victim to their own greed or fear and miss out on a rewarding financial future. Th...