NZ Business Owners

In the podcast, Matthew Gilligan, founder of Gilligan Rowe & Associates, shares his wealth of experience in the realm of property investment and management. Gilligan dives into the intricate strategies for …

In this riveting episode of NZ Business Owners, host Ryan J Melton sits down with the seasoned financial expert, Dave Thomas. Get ready for a thought-provoking exploration into the world of financial planning and …

Join host Ryan J Melton on the latest episode of NZ Business Owners as he sits down with the insightful Nathan Saminathan, the Managing Director at …

In this riveting episode of NZ Business Owners, host Ryan J Melton dives deep into the world of financial planning with the extraordinary Vaughn Atkin. A dedicated advocate for helping New Zealanders live their best …

In this riveting episode of NZ Business Owners, host Ryan J Melton engages in a profound conversation with the insightful Josh Camp. Join them as …

Join your host, Ryan J Melton, on this enlightening episode of NZ Business Owners as he welcomes a special guest, Hamish Patel, to the show. Hamish Patel has led an intriguing life with experiences that span from …

In this episode of "NZ Business Owners," host Ryan J Melton delves into an engaging conversation with Mela Lush, an individual whose unique insights and experience have made a significant impact in the world of …

Join us on the latest episode of "NZ Business Owners" as host Ryan J Melton interviews the dynamic Jeremy Wilson, a seasoned expert in the world of sales. In this enlightening conversation, Jeremy delves into intriguing …

In this episode of NZ Business Owners, host Ryan J Melton engages in an enlightening conversation with Tim Thomas, a dynamic expert in web …

In this episode of "NZ Business Owners," host Ryan J Melton engages in a captivating conversation with Lincoln Watson, a seasoned corporate …

Join us for an insightful episode of "NZ Business Owners" as host Ryan J Melton sits down with the brilliant Sam Hoh. In this engaging conversation, …

In this episode of NZ Business Owners, your host Ryan J Melton sits down with Susan Nemeth, a seasoned entrepreneur and tech enthusiast. Susan shares her invaluable insights and experiences in scaling tech startups and …

In this episode of the NZ Business Owners podcast, host Ryan J Melton sits down with Simon Aspden, the visionary behind Contract Eagle, a contract …

Join Ryan J Melton in an engaging conversation with Simon Yock on this episode of NZ Business Owners. Simon, a seasoned growth scientist, reveals the fascinating world of sales where art meets science. In this …

Join Ryan J Melton on the "NZ Business Owners" podcast as he delves into the inspiring journey of Igor Anany, a successful entrepreneur and app …

In this episode of "NZ Business Owners," your host Ryan J Melton sits down with the insightful and accomplished John Halvorsen for a deep dive into …

Join Ryan J Melton on the latest episode of NZ Business Owners, where he sits down with the remarkable Simone-Ellen Keller. In this insightful …

In the latest episode of "NZ Business Owners," host Ryan J Melton engages in a profound conversation with John Maybury, a renowned presentation and story coach. John's mission is clear: to empower leaders and teams to …

Welcome back to NZ Business Owners, the podcast where we dive deep into the world of entrepreneurship and uncover the secrets to achieving success in the business landscape of New Zealand. In today's episode, your host …

Welcome to another enlightening episode of "NZ Business Owners." Join your host, Ryan J Melton, as he engages in a thought-provoking conversation with Tibor Mackor, the driving force behind bbstrategies.co.nz. In this …

In this captivating episode of NZ Business Owners, host Ryan J Melton sits down with the insightful and engaging Josh Cox for a deep dive into the …

In this captivating episode of NZ Business Owners, your host Ryan J Melton dives into the world of effective communication with the remarkable Farbod Afshar. As a seasoned marketing professional, Farbod brings his …

Join us for an inspiring episode of "NZ Business Owners" as we sit down with the extraordinary Debra Chantry-Taylor. With a passion for helping entrepreneurs and leaders live their "best life" by creating better …

In this episode of NZ Business Owners, your host Ryan J Melton sits down with Braden Dawson, the Founder of Web Antler and a true powerhouse in the world of digital marketing. Braden is a seasoned expert known for his …

Join us on this episode of "NZ Business Owners" as Ryan J Melton interviews Dion Sadler, a seasoned professional with extensive experience in Retail, Business, Commercial, and Corporate Banking. Dion's journey has led …

Join us on this episode of NZ Business Owners Podcast as Ryan J Melton sits down with Tim Warren, author, entrepreneur, and thought leader. Tim takes us on a journey through his insights on randomness, success, and …

At the outset, Ramneek Kaur reflects on her realization that happiness is non-negotiable. From a successful career to a challenging marriage, she …

In this riveting episode of the NZ Business Owners podcast, host Ryan J Melton sits down with the dynamic Katherine Steffensen, a digital marketing director with a flair for strategic client relationships. Katherine …

Join Ryan J Melton as he sits down with the ever-engaging Simon Walker, once fondly nicknamed "Simon Walker Cricket Talker" by his Year 4 teacher. …

In the latest episode of the NZ Business Owners podcast, host Ryan J Melton welcomes Laura & Raymond McKay, the visionary founders of RUN, a Māori-owned, globally awarded advertising and design agency. Established …

In this riveting episode of the "NZ Business Owners" podcast, host Ryan J Melton sits down with the illustrious Lwindi Ellis, a beacon in the world of PR and communications. Lwindi's journey is nothing short of …

Once upon a time in the bustling world of digital marketing, a group of creative minds gathered to share their secrets, and on this episode of "NZ Business Owners," your host Ryan J Melton sits down with the dynamic duo …

Welcome to a thought-provoking episode of NZ Business Owners, where host Ryan J Melton sits down with the esteemed guest, Ranald Hendriks, for a captivating masterclass on human capital and organizational values. In …

In this insightful episode of "NZ Business Owners," host Ryan J Melton sits down with Ben Paul, a seasoned professional in the field of sales and …

In this captivating episode, we embark on a journey that weaves together a tapestry of thought-provoking ideas. We begin by exploring the concept of …

Join us on the latest episode of NZ Business Owners as Ryan J Melton sits down with the dynamic Phil Dossett, Director, Growth Specialist at Engage Digital, a leading digital marketing agency based in Auckland. In this …

In this episode of "NZ Business Owners," host Ryan J Melton sits down with Nick Manarangi, a marketing agency and sports media owner, to dive into the realm of digital business, marketing strategies, and the impact of …

In this episode of NZ Business Owners, host Ryan J Melton sits down with Samantha Thornton-Jones, the Managing Director and Digital Designer at Skyrocket, a leading web design and development agency based in Auckland, …

Join Ryan J Melton in an insightful conversation with Rebecca Caroe, the voice behind 'Creative Agency Secrets', on the latest episode of NZ Business …

In this episode of NZ Business Owners, host Ryan J Melton sits down with Mohit Nain, a highly experienced and accomplished accountant. With a diverse background in the freight, environmental services, hospitality, and …

In this episode of the NZ Business Owners podcast, host Ryan J Melton sits down with Kagwa Kironde, the Founder and Managing Director of Dream Config, a New Zealand-based digital agency that's making waves in the world …

In this episode of NZ Business Owners, host Ryan J Melton sits down with the remarkable Cathy Mellett, Director of Net Branding, Keynote Speaker, …

In this episode of NZ Business Owners, host Ryan J Melton sits down with the renowned British-born entrepreneur, author, and lecturer Richard Conway, who has made his mark in New Zealand's business landscape. As the …

In this episode of NZ Business Owners, host Ryan J Melton sits down with Alex Radford, an accomplished executive with extensive experience in digital marketing and advertising. With a strong background in strategy, …

Join Ryan J Melton on the latest episode of NZ Business Owners as he sits down with Duncan Shand, the founder and visionary behind YoungShand, one of …

In this episode of NZ Business Owners, host Ryan J Melton sits down with Mike Taylor, a seasoned expert in leveraging digital technology and …

Join host Ryan J Melton on the latest episode of NZ Business Owners as he interviews Bradley Hartley, the passionate owner of Hartway, a leading social media management and marketing company. Bradley shares his …

Join Ryan J Melton as he sits down with Auckland's esteemed Commercial Finance Adviser, Andrew Chambers, on another captivating episode of NZ …

In this exciting episode of NZ Business Owners, Ryan J Melton sits down with James Stevenson, a prominent figure in the field of Engineering Recruitment in New Zealand. As the founder and driving force behind Grada …

In this episode of NZ Business Owners, host Ryan J Melton sits down with Shafraz Khan, a highly respected commercial law specialist and one of the country's leading transport lawyers. With his vast expertise in …

Join host Ryan J Melton in this thought-provoking episode of "NZ Business Owners" as he sits down with Garry Green, the founder of Quanton, New Zealand's leading company in intelligent automation. Garry shares his …

Welcome to the "NZ Business Owners Podcast" with your host, Ryan J Melton. In this episode, Ryan sits down with Vinay Iswar, a seasoned expert specializing in helping service-based businesses reach new heights.

Vinay's …

In this powerful and moving episode, Jerome Jacobs – a business coach and advisor with nearly two decades of experience in the professional and …

In this episode, host Ryan J Melton sits down with Iain Blakeley, Chairman of Family Business New Zealand, to discuss the dynamics of family businesses. Family businesses are the backbone of the New Zealand economy, …

Join Ryan J Melton in the NZ Business Owners podcast as he interviews Philip Adamson, the owner of OutSource IT Ltd, who shares his inspiring story …

Podcast Guest Jung The Business Coach: "As a business coach, consultant, mentor and advisor, I can offer a variety of services including strategic …

Podcast Guest Iain MacGibbon, Managing Director of Farrow Jamieson: "I lead a team of talented and experienced Executive Search, Executive …

Ryan's Ramblings

Discover the secrets to thriving in the business world with Ryan J Melton, as he welcomes Bruce Sheppard, CEO of Gilligan Sheppard, to this captivating episode of the NZ Business Owners podcast. Together, they dive deep …

In this soul-stirring episode of the NZ Business Owner's Podcast, Ryan J Melton invites Dave Beachen, CEO of Flow Marketing, to share his deeply …

Tony Liu grew up in a rural village in China, the son of farmers. Despite the lack of access to technology, he was fascinated by computers and taught …

Dawie Otto is the Director of iTEASPOON, a New Zealand-based IT consultancy that helps businesses of all sizes leverage cloud technology to simplify …

"Jim Huse works with individuals and small-to-large organisations to achieve business success. By using a pioneering convergence of Psychology, …

In this episode, host Ryan sits down with Business Broker Serdar Kabul to discuss the ins and outs of selling a small business in New Zealand.

If …

In this episode, Ryan sits down with Kathryn Sandford, a personal brand and coaching expert who is changing the game with her innovative approach to career strategy and executive leadership.

Together, Ryan and Kathryn …

In the latest episode of the NZ Guide To Financial Freedom podcast, host Ryan J Melton sits down with construction industry expert Andy Alagappan to discuss the challenges and struggles of the construction industry. …

Podcast guest Joneet Lal

"Growth is a journey.

It is important to recognise and accept the journey of growth to overcome the mentality of growth …

Podcast Rachel Klaver: "Years ago I was called a “shameless self promoter” in a Felicity Ferret column (in METRO, an NZ magazine) and it crushed me.

…

Podcast Guest Stuart Little: "I see LinkedIn differently, to me it’s the game changer, the portal that provides an alternative approach to …

In this episode, we've got Leighton Wilson, the Managing Director of Ladder & Co, a full-service marketing agency based in Auckland. Leighton and …

Podcast guest Daniel Howell: "Entrepreneurialism, clarity, logical thinking and integrity are what I offer.

I am passionate about seeing businesses and organisations operate in new and exciting ways that not only drive …

The Big Plan.

"I’m the Founder and Director of Optimism, Learning & Performance Partners.

At Optimism, we help organisations develop their people capability, often with the use of digital learning and …

Podcast Guest Joshua Singh:

"Joshua Singh, is a preacher & entrepreneur, and is best recognised as associate pastor at ICLC.

He appears in Radio Rhema,& Shine TV and on weekly release of Wisdom Wednesday.

Joshua …

I fill in my spare time with mountain biking , dirt bike riding & hunting

My motto is to …

“Business Owner Transition is a method of exiting or growing a private business, over time, to an external …

“When it comes to the entertainment industry, there is very little that Michelle hasn’t done.

She graduated in 2010 …

Podcast Guest Ian Walsh:

“A results focused professional who delivers bottom line results for organisations, large and small.

Intent Group deliver …

Podcast Guest Kalé Emery:

“We are on a crusade to help the everyday kiwi be better with money and enjoy a better quality of life - so came our partnership with The Rock FM. A larger scale platform for every day Kiwi's …

Podcast Guest Matthew Clayton:

“Matthew is an award-winning creative director, strategist and innovation leader.

Matthew has co-founded multiple …

Podcast Guest Debbie Schultz:

“As a leader in the field of organisation development, consulting and coaching, Debbie has been supporting individual …

Podcast guest Ilma Mani:

“After working for 10 years in the hospitality industry, I decided to go back to studying. I graduated from AUT with a Bachelor of Business, majoring in Finance.

I went back to study because I …

Podcast Guest Tibor Mackor:

“As a world champion sportsman and coach, I have discovered that understanding gameplay, seeing the opportunities and timing the attack to win games is directly related to how businesses can …

Podcast guest Stuart Wilkinson:

“I have worked with small to medium business's for over 12 years and really enjoy learning about their goals and what drives people to start and run their own business.

RightWay is …

Podcast guest Miriam Chancellor:

“I help high-performing individuals and teams overcome the challenges of public speaking to enable them to achieve their professional goals.

I am a qualified, experienced coach. My …

Podcast guest Avinash Kumar:

“I am a firm, highly focused professional debt collector with over 19 years NZ experience in the banking and finance …

Podcast Guest Murray Fulton:

"Does everyone in your business seem to be working very hard but with little or no positive results? Are you trapped in …

Owner of Scendent, Ryan Collier, shared his journey with mental health and why it inspired him to start Scendent.

A company allowing individuals to …

Podcast guest Melanie Spencer:

“I love business and I love growing businesses. A commercially-savvy senior leader, I thrive on helping businesses prosper with an instinctive ability to understand an organisation from a …

Podcast guest Fiona Webby:

“My personal purpose is to enable others. I do this by removing barriers so that they can discover their authentic selves and reach their potential.

I have the incredible privilege of being GM …

Managing Partner of Prime Strategies Group, Rob Drower. A business advisory group focused solely on creating business excellence in the Small to …

Joshua Lewthwaite Co-Founder & CEO of Izzybots. A Messenger Marketing company used to convert social media engagement into conversions.

____________________________________________

►Ryan J Melton is an 📚Author …

Emily Rust has supported recruiters and managers through to CEOs building high-performing teams, evaluating job success criteria, assessing …

Nick Rowland is the Marketing Manager of New Zealand Rugby, Director of Side by Side, and a true-blue sporting enthusiast.

____________________________________________

►FREE RESOURCES FROM RYAN:…

Sam Farmer coaches people through change in three core areas of professional life: Next Generation Leadership; Psychosocial Growth; Professional Supervision.

LINKS AND RESOURCES:

…

Robert Erskine & Tony Rutherford are the managing Parters of Copper Fox

____________________________________________

►FREE RESOURCES FROM RYAN:https://linktr.ee/ryanjmelton

…

So in this episode, we talk with Stewart. He's the managing director of FX consultants. And a lot of what he does is around the organizational …

This podcast started a little bit out of the gate. Daniel Watson, he's a cyber security expert and has a back story working in the territorial forces defusing bombs.

He talked about a person that was on their fishing …

I haven't met anyone like Sasha doing what Sasha does. She goes by the name Reno Girl. Well, that's what the website says. So   I've decided that's the name she goes by.

We talk about her experience as a young woman …

We've got an interesting and diverse episode.   Which is why I love doing this podcast. You don't know what the hell is going   to come out of the stories. So this is Antoinette she's a lovely lady, a hypnotist   as …

In this episode, we speak with Sam Kamani. So he spoke on TED Talks. He sold 15,000 copies of his book, and he's part of an organization that have …

I need your help to make the podcast better. 

I'm not happy with the quality of the episodes so I'm going to take a break to brainstorm how to make …

KiwiSaver is about to collapse and people aren't ready for it.

What I'm talking about isn't necessarily something out of the blue. It's something …

Three reasons why I think you should think about investing in something other than the NZx 50:

1. Home Bias - Check out the 'The randomness of Global …

Question of the day:

"I am 75 and have $70,000 in a conservative KiwiSaver fund. I will need some of this over the next few years.

As the fees and losses for KiwiSaver are both substantial, is it better for me to …

Question of the day:

"We are fortunate enough to own our own home and a small holiday home, both mortgage-free. Estimated value $2 million and …

►Book A Consultation With Ryan: https://calendly.com/ryanjmelton/free-consultation

Tools for picking the Best KiwiSaver Fund in NZ

Risk Tolerance: …

Top 7 Ways To Withdraw Your KiwiSaver:

1. Retirement
2. First home
3. Financial hardship
4. Serious illness
5. Permanently move overseas
6. When someone dies
…

Welcome to Finance News, we're going to talk about the soaring price of petrol in New Zealand, which isn't pretty. I mean, a lot of us are already …

Anyone that's a first-home buyer, or looking to get another mortgage for their rental property, this is a video you need to see.

The new lending law, that came into effect in December, has been updated. It was the CCCFA …

The Russian invasion of Ukraine is a horrible tragedy that has captured the hearts and minds of the world.

A world torn between the instigating of a nuclear war and the injustice of war.

Finding a job on Seek, Trademe or Indeed isn’t as easy as it sounds.

Let alone trying to find your dream job.

So, I thought I share my top for ways …

This an episode from March 2020 in the midst of Covid where people’s KiwiSaver dropped by 20% to 30%:

“The short answer is nothing. When the hysteria bus takes over you’ll start developing this compelling urge to do …

When I was younger. I didn't know what I wanted to do. I would try and compensate because I didn't feel good enough. And I'd go out and just really …

William Tieu is one of New Zealand’s biggest finance influencers on Tik Tok.  He has amassed close to 70,000 followers with content primarily focused …

Quick fire finance question of the day:

"My husband and I are 61 and 60. I work on a modest salary and my husband’s business unfortunately suffered …

Quickfire finance question of the day:

"My husband and I are time-poor, and though I was fully across my own finances before we got together five …

If you were ever to try and learn better ways to save money. Why not learn from a saving expert who helps people with managing their money better?

Shirley McCombe, from Tauranga Budget Advisory, shares her best money …

Is this it for House Prices In NZ?

Finding the best KiwiSaver provider in New Zealand is no mean feat. Like how do you even compare KiwiSaver providers or find the best one? Arguably …

The top five investment strategies in NZ:

-KiwiSaver

-Managed Funds

-Rental Property

-Index Funds

-ETF’s

►BOOK A FREE CONSULTATION HERE: …

In this episode, I answer the most searched questions about financial advisors in NZ.

-What does a financial advisor do?

-Is paying a financial advisor worth it?

-How do financial advisors get paid in NZ?

-How do …

This is from a leadership conference I ran in 2020.

►BOOK A FREE CONSULTATION HERE: https://calendly.com/ryanjmelton/free-consultation

RESOURCES …

As a financial adviser in Auckland, I often get asked: how much do I need for retirement in NZ?

If you’re looking to retire in New Zealand using term deposits, then the answer’s a lot.

But with the right investment …

The best way to save 30% of your income is with these four money saving tips, and despite what you might think, it has nothing to do with a savings account.

Here's my go-to on how to save money in NZ:

CHAPTERS:

0:00 …

These 4 Money Traps to avoid in 2022, are less about money as they are about you.

CHAPTERS:

0:00 Intro

0:11 First Money Trap

1:31 Second Money Trap

2:48 Third Money Trap

4:26 Fourth Money Trap

►BOOK A FREE CONSULTATION …

Could 2022 be the year the markets finally crash? Is your KiwiSaver going to Zero?

►BOOK A FREE CONSULTATION HERE: …

Inflation in New Zealand is taking off, is there an end in sight?

CHAPTERS:

0:00 Intro

01:00 Why do I have such a strong emotional reaction to this person?

06:27 Do you think the markets have been healthy post-COVID …

Quick Fire Finance for the Day:

"Here’s the thing. How on earth do you know the difference between investing and gambling? For the life of me, I cannot tell the difference.

Bank deposits return almost nothing, so they …

Quick Fire Finance Question of the Day:

"I am just about to finish your book A Richer You, and I wanted to ask for some advice.

I love investing and …

New legislation has recently come into force, that is having a huge impact on first home buyers, and existing property owners.

The Credit Contracts and Consumer Finance Act, or CCCFA for short, isn't a new concept, but …

Quick Fire Finance of the Day:

“You always say to look at KiwiSaver fees[Mary Holms] and I’ve never been that bothered before. But seeing in recent …

Quick Fire Finance of the Day:

"I am over 65. I have continued my KiwiSaver account in ANZ’s Balanced Growth fund. I have placed nearly $150,000 in it.

During the last two or three months it is not showing any growth. …

So, over the holidays I wrote a book, a children's book which started out being a children's book, but then sort of turned into a morbid teenager's …

Quick Fire Finance Question of the Day:

"We are fortunate to have paid off our mortgage and have no debt. We have switched the full amount of …

Quick Fire Finance Question of the Day:

"Hey guys,

Love the content you've been producing. Haven't heard any discussion about Central banks yet but that's probably a dry topic for most. However, considering they're the …

In this episode, I speak on the pros and cons of New Zealand's favourite investment vehicles for retirement.

RESOURCES & LINKS:

____________________________________________

►Register to learn from leading experts in …

If the market is about to collapse what can you do? 

RESOURCES & LINKS:

____________________________________________

►Register to learn from …

"Ryan talks to Debra about how to retire in style, without stress:

How to ‘retread’ instead of retire i.e finding interests outside of work.

Structuring your finances in a way that means you’re not dependent on the …

It's easy to look at someone's success and think it's not possible for you.

That everything came easy.

That there's no way you could get there …

Don't run the risk of being one dimensional, sometimes you need to be cruel to be kind.

As humans it's so easy to get caught up in the crowd. Whether it's the German public acting as informants for the Nazi's, the 900 odd who committed suicide in Jonestown or the average joe walking past a tragedy without …

Can you guess what it is?

RESOURCES & LINKS:

____________________________________________

►Register to learn from leading experts in KiwiSaver, budgeting, investing and real estate: https://moneyskills.co.nz/register

The reptilian brain, composed of the basal ganglia (striatum) and brainstem, is involved with primitive drives related to thirst, hunger, sexuality, …

This is one of the most valuable yet underrated tools for connecting with strangers.

State of the nation with mortgage expert Andrew Malcolm. 

Even if you don’t have a boat you should consider boat insurance.

Let me explain.

Commercial Marine insurance includes all goods transported via …

I’m very much a fuck it let’s see what happens kind of guy but there’s only so long you can roll the dice before something really serious happens.

I …

There is a monumental change about to impact the lives of 381,000 New Zealanders.

The Financial Markets Authority have come up with a new list of …

Why I think skyrocketing inflation, supply chain issues, immigration outflows, wage pressures and increasing interest rates could contribute to a …

My car was stolen.

It sucked.

I didn’t have any emotional attachment to it.

The part that sucked was that I had the wrong vehicle insurance.

…

The reason for you and I crossing paths is that from a young age, I had an unhealthy obsession with what constitutes emotional success and understanding the best way to help others to achieve it.
 
This obsession lead me …

It's time in the market not timing the market. We've all heard that in a theoretical sense but what about in reality? How do we mitigate the fluctuations in the market to achieve our objectives?

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 biggest consideration in this realisation is preparing for the best and …

What is the real concern for investment markets?

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 people achieve emotional success.

At the time, it seemed like a …

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? 

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 listening right now has those very same thoughts. I just want you to know …

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 …

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 …

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. …

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.

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 …

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.

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 more?

If this is your mindset then you might consider something like …

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 something.

Inflation has launched up to 4.9%

It’s just a matter of time.

I …

"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 …

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 depression.
This alarming realisation isn’t designed to scare you, but …

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 …

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 optimising your sleep you're putting yourself at risk of heart …

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 …

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 …

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 …

"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 rate, but this is because you take more risk.

What is peer-to-peer …

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 …

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? …

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?

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 …

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, I …

"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 you put money into an equity crowdfunding project, you're buying shares. …

"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, …

"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 …

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 typically they don’t have the high returns of other financial …

"What are binary options?

Also called ‘all-or-nothing’, ‘fixed return options’ or ‘digital options’, binary options enable you to make (or lose) money by predicting the short term movements in the price of a share, …

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, …

"Cryptoassets are treated as a form of property for tax purposes. While there are different types of cryptoassets, the tax treatment depends on the characteristics and use of the cryptoassets. It does not depend on what …

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

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 …

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 consistent income. I have about $10,000 in savings but since interest …

"How the Family Court divides relationship property

General principles

The judge will be guided by some general principles when they divide your relationship property:

men and women have equal status

each partner has made …

"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 …

"Property is divided into two categories, relationship property and separate property.

What is “relationship property”?

Property (Relationships) Act 1976, s 8

Relationship property is the property that must be divided …

"Usually a relationship will need to have lasted at least three years for the PRA’s equal-sharing regime to apply. However, sometimes shorter relationships (where there are children or a partner has made a substantial …

Ben Male Founder of Team Empathy: "People go into business to help other people ❤️Whether it's local services, fresh produce, tangible products or digital goods; we're all in the business of making other lives better. …

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

"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. There are four main types of property ownership in New Zealand – …

"'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 …

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

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

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 …

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. …

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 tool to …

"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 …

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

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 really …

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 …

Property (Relationships) Act 1976, s 1N

"The law relating to the division of relationship property is guided by these general principles:

· men and …

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

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 director about the options available. Even a basic funeral can be expensive …

"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 to the trustees while continuing to use and enjoy them as long as the trust …

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 week.

"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 trustee company. A will must also be signed and witnessed. If the …

"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.

There are two types of …

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

"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. …

Darcy Ungaro, host of the NZ Everyday Investor and Director of Ungaro & Co:

"Unorthodox, slightly contrarian, a bit eccentric- be prepared to hear what you need to hear if you’ve chosen to catch up with me. Why …

"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. …

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 the interest, while most of the later payments pay off the principal …

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 create a home for themselves and their family. There is nothing more …

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 this segment, I’m not trying to teach you the art of flirting, but, …

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 …

The hidden costs of going cheap.

•   Book a Free appointment with Ryan  

If you're wanting your question answered on the podcast email me at …

 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. …

"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 …

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

Why did the government really start KiwiSaver?

• Book a Free appointment with Ryan
  

If you're wanting your question answered on the podcast email …

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

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

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 boyfriend …

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 podcast …

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 …

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 accounts. The thing is both accounts are with the same bank. I say this …

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 …

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

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 as an Accountant in 1975, Greg was employed in a number of …

Could nationalism affect your financial future?

It’s very natural for people to gravitate towards what they know instead venturing into the big wide …

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

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

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

Have you ever wondered what it's like behind the scenes of New Zealand politics? Nows your chance. 

Book A Free Appointment With Us   

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 no assets to divide. I’m now starting from basically nothing and …

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 …

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, …

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.co.nz, send a voice message below or capitalise on our free online …

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 mystery of Exchange Traded Funds.

Also, if you're wanting your …

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 podcast email me at ryan@oneplan.co.nz, send a voice message below or …

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 planning for our future as we don’t want to be a burden to them. My mother …

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 funds such as KiwiSaver.

None of the articles address the situation …

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

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 …

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. This episode is about our investment philosophy and how you can use it …

Is it possible to instill good values in a child who has it all? 

If you've got an old insurance policy you might be luckier than you think.

If you're wanting your question answered on the podcast email me at …

At somepoint shit is going to hit the fan so you can either live with your head in the sand or you can do something about it. This episode won't protect you from the hardships of life because no matter what you do it …

Dr Sven Hansen is the founder of The Resilience Institute. From a medical family, Sven travelled widely and completed two years in special forces before completing medicine.  His passion for sport and flow took him into …

We know about property and shares but is there an asset that trumps them all? 

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 …

Finding your why in life is one of the most challenging yet valuable things you can do or as Viktor E. Frankl would say:

"A man who becomes conscious …

The government is coming after property investors but what about first home buyers?

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 …

Quick Fire question of the day:

"I’m 56 years old and have worked in management for most of my life. I have some bad days but for the most part I …

My ex-wife took me for everything I'm worth. How do I make sure it never happens again?

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 …

Brent Norling Director of award winning legal firm Norling Law shares his personal journey and insights for helping bring New Zealand businesses back from the brink of extinction. A simplistic overview of very complex …

Quick Fire Finance of the Day: 

"We are a couple in our late 70s and realize that our remaining years on this planet are becoming limited. We live in …

 Quick Fire Finance of the day:

"How do you compare various unit funds?

I am retired and have several hundred thousand dollars which I’m considering …

The United States Of America owe close to $30 trillion dollars and print money by the bucket loads. Will their economy survive? Will they even have …

You don't have to go very far to hear the countless horror stories of people being swindled out of their life savings. A fast talking con artist …

What is it, where is it and how does it work?

If you're wanting your question answered on the podcast email me at ryan@oneplan.co.nz, send a voice …

The CEO of Kernel Wealth, Dean Anderson,  started his investment career in the rustling bustling world of the New Zealand Stock Exchange. An experience that shaped the creation and thought process behind what we know …

"I’m self employed and make regular contributions to my KiwiSaver. My KiwiSaver has been losing money recently, which is fine, am in it for the long …

I’ve always wondered what’s the point of getting a real estate agent in when you can just do it yourself?

A common fallacy we all fall into as NZers is this concept of ‘Do It Youself.’ Don’t get me wrong, there are …

Does cheaper always mean better?

If you're wanting your question answered on the podcast email me at ryan@oneplan.co.nz, send a voice message below …

"My Sharesies account has been getting a return of 20% every week for two months..." 

Also, if you're wanting your question answered on the podcast email me at ryan@oneplan.co.nz, send a voice message below or …

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 …

We are more connected now than any point in human history and yet we are even more divided. Whatever your political or social views, this is a must …

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 …

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 …

Are you looking to develop your skills as a leader? There is probably no business leadership skill more important than the ability to speak to an audience of any size. But without speaker training, it’s easy to get …

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 …

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 …

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 …

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 …

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 …

Ever wondered what quantitative easing, the OCR and inflation have in common? Probably not but you should. These three concept could make or break …

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 …

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 …

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 …

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 …

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 …

 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 …

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 …

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 …

The biggest threat to the success of your business is a resistance to change. Sure it’s unpredictable, uncomfortable, and unbearable at times, but, …

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 …

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 …

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 …

"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 …

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 …

Anti-Money Laundering (AML) compliance is steadily draining expertise from the pool of available resources with increased regulatory expectations …

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 …

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 …

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 …

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 …

The challenge we often face in planning for our retirement, is knowing the difference between good and bad advice. In this case, NZ's favourite …

Jason Greenwood (Founder - Greenwood Consulting) has contributed to the success of some of the biggest players in eCommerce and digital retail for …

 Quick Fire Finance of the day:

"I am 68, semi-retired with an income of $40,000 from part-time work plus my NZ Super and $500 per week from an …

 Quick Fire Finance of the day:

"I am (finally) debt-free in my mid 50s and own my Auckland home, but I have very little saved for retirement. If I …

Every New Zealander has the opportunity to make an impact. To share a concept that influences the masses. Point and click. A skill born and nurtured from two concepts: math and art. The mathematics of what converts and …

Quick Fire Finance of the day:

"Having now reached 65 and receiving superannuation payments whilst still employed, I’m seeking confirmation that the government’s annual KiwiSaver contribution of $521 ceases from my 65th …

You can bail me up about this because it's incredibly bias. What I say to counter that is many listeners don't even know what a financial planner is or if it's worthwhile even talking to one. So I thought I'd take this …

I first came across Ed and the team at Opes when searching for ways to upskill in the property space because the first word anyone seems to learn in this country is p p p p rroooperty.  I needed a quick and engaging way …

Quick Fire Of The Day:

"I understand that the $521 annual government contribution is worth it. But if that’s the maximum from the government for …

 Quick Fire Finance Of The Day:

"Are withdrawals from your KiwiSaver taxable, and added to your NZ Super as income, increasing your tax rate?"

Source: NZ Herald 12 September 2020

For those wanting their question …

Would you pursue something that had a mere 30% success rate?

Better yet, would you try learn a completely new skill from scratch without a coach?

If …

Quick Fire Finance of The Day:

"I invested $5,000 in a crowd-funded start-up company in 2016 with the knowledge that I could well lose the money but …

Quick Fire Of The Day:

"My husband and I would like some direction on what to look for when investing $12,000 in the NZ share market. Our objective …

There’s an emerging concept you need to know and it’s this idea of becoming a ‘thought leader.’  We all know a person we respect and admire for their knowledge in a chosen discipline. The challenging hurdle we must …

Quick Fire Finance Of The Day:

"When our elder son was born in 1988 we were living in the UK and started a £30 per month investment into a unit trust. It was a moderate-risk UK smaller companies fund. It has been a good …

Quick Fire Finance Of The Day:

"Is the following a scam? Since getting it and filling out a form, they have been phoning me day and night. Please …

Leadership isn’t a title that can be given it’s a perception that must be earned. A narrative all too common in any organisation where the wrong person is given the right job. A metaphoric dead branch that on the …

Quick Fire Finance Of The Day:

"I am 72 years of age and have a KiwiSaver account that I took out about four years ago and contributed to for a few years and then ignored. It’s been inactive ever since. I think it I …

Quick Fire Question of the day: will a trust protect me against the government?

Once again for those wanting their question answered on the podcast email me at ryan@oneplan.co.nz, send a voice message below or …

We all know that glum person at work who shuts down any good idea and gossips behind your back or that overbearing boss with unrealistic expectations and no sense of what it takes to get the job done. Whoever …

Quick Fire Question Of The Day: 

"I’ve been thinking about dollar cost averaging in relation to mortgage rates.

I wonder if one split their mortgage …

Quick Fire Question Of The Day:

"I have approximately $1.5 million in the bank.

I have had nothing but trouble and worry with money throughout my …

Business can be a very lonely endeavour where the difference between success and failure is a willingness to be better than what you were yesterday. To work on your business not just in it. To work smarter not just …

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 …

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 …

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 …

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 …

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 …

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,

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 …

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 …

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 …

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, …

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 …

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. …

Employment Law specialist of Lowndes Jordan and all round good bloke, Duncan Coats, sharing why the wage subsidy isn't all sunshine and rainbows.  …

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 …

The biggest threat to the success of your business is a resistance to change. Sure it’s unpredictable, uncomfortable, and unbearable at times, but, …

“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 …

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 …

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 …

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 …

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 …

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 …

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 …

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 …

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, …

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 …

After the cataclysmic effects of COVID-19 many businesses are now on the verge of collapse. A tail that didn't necessarily have to end that way. I'm …

Historically property has been the go to strategy for any New Zealander hoping to accumulate wealth. Though, now with ever increasing regulation, …

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, …

The goal of this podcast is to give you the financial tools to live the life you want. Your version of a good life might be completely different to …

There is an ever growing crisis in New Zealand where if the right steps aren't taken the majority of kiwis will be riding the edge of financial hardship in retirement. Simply put, will the NZ couple after tax pension of …

Client acquisition is a pain point all business owners love to hate.  On some level, we all know how to do it but, over time, complacency creeps in, and laziness takes over to the point where our strategies are no …

They have gotten a bad rep over the years. Some of the stories you hear suggest this perception could be justified. An elderly person desperate for …

In the last months of WWI, the New Zealand Expeditionary Forces spent 77 gruelling days in France. Leading the way for 49 of the 56 hard fought miles. Until they hit a wall. More specifically, the walls of Le Quesnoy. …

In life, no matter how lucky you feel or privileged your background, at some point, things will get ugly.  So, the question becomes, what can you do to help? 

Once again for those wanting their question answered on the …

More and more large corporations are exiting from the financial advice world, here's why.

Once again for those wanting their question answered on the podcast email me at ryan@oneplan.co.nz, send a voice message below or …

 There's a silver lining to the global tragedy and it comes in the form of natural selection. Survival of the financial fittest. Those of you who  didn't put all your eggs in one basket, chase greed, buy into a get rich …

Time and convenience are the two fundamentals of which all great products are based. Does it make your life better and will it get things done …

The short answer is nothing. When the hysteria bus takes over you’ll start developing this compelling urge to do something. Change your growth fund to a conservative or jump ship to another company not as badly …

As you read this, the New Zealand Superannuation Fund (NZ Super) is currently costing the NZ Government close to $38 million a day, with the cost likely to increase to $117 million in the next twenty years. For many, …

One of the first words any young New Zealander learns after 'mum' and 'dad’ is the word property. You’d think I was joking, but, for whatever reason, …

 What happens when you get two men in a room talking about women? At first thought, you may consider dusting off your picket sign and hitting the streets. On second thought, you'll realise the intention of this episode …

Teenagers from the outside appear to be zombie like creatures that navigate somewhere between the words whatever, I can’t be bothered or inaudible grunting. It’s very easy to disengage from their plight. Often the …

Investing is a bit of a taboo subject. Which to me is completely bizarre because if implemented correctly, it can irreversible improve your life for the better. 

Where I believe the perception comes from, is people …

The inspiration for this week’s episode stems from a recent discussion with someone I met at a bar who started a business. The business took off, winning award after award, and even got to the initial stages of becoming …

A humorous series of ups and downs where we unravel the mechanisms for living a rewarding and fulfilling life. A journey where you will not only …

A humorous series of ups and downs where we unravel the mechanisms for living a rewarding and fulfilling life. A journey where you will not only …