Running a business raises tough money questions:

💡 How do I minimise tax and protect my assets?

💡 Should I invest personally or through my business?

💡 What happens to my business if something happens to me?

💡 How do I plan my exit strategy — and actually extract value?

In this episode, Victor unpacks the financial decisions every business owner must face, from structuring for protection to making your profits work harder through super, smart debt, and investments.

Timestamps:

00:00 Structuring your business for tax + asset protection

01:20 Family trusts and why they matter

03:33 Return on equity and investing back into your business

04:56 Planning your exit strategy (and what you can actually sell)

05:34 Using business profits for long-term wealth (super + debt recycling)

👉 Like what you hear? Subscribe for more insights on building and protecting wealth.

Any discussion in this episode does not take into account your objectives, financial situation or needs. Before acting on it, you should consider whether it’s appropriate to you, in light of your objectives, financial situation or needs. For tailored support, speak with a licensed professional about your financial planning or financial services needs today.

Work with Victor Idoko (CFV Advisory):

🌐 cfvadvisory.com.au

🔗 More ways to connect - https://linktr.ee/cfvadvisory

#Business #FinancialPlanning #ElevateYourWealth #CFVAdvisory

Hosted on Acast. See acast.com/privacy for more information.

Biophilic design, wellness-focused interiors, and evidence-based design can boost your productivity, improve wellbeing, and even grow your wealth. Ozge Fettahlioglu, Managing Director of Box Areno, joins Victor Idoko to share proven strategies and real-life examples that deliver results you can see and feel.

🎁 Special Offer: Get 10% off a tailored biophilic design consultation — plus a complimentary gift for all entrants! Enter here: https://tinyurl.com/biophilicdesignnow

What you'll learn in this Elevate Your Wealth episode:

- How biophilic design can lift productivity, creativity, and wellbeing

- The ROI benefits of evidence-based design for property and business

- Cost-effective design changes with big impact

- Common mistakes that harm performance and value

Timestamps:

00:00 – Meet Ozge & the design–wealth–wellness connection

02:10 – From burnout to biophilic design

04:47 – Simple, high-impact design fixes

05:50 – Evidence-based design and ROI

09:23 – Real-world results: sales and productivity gains

13:04 – Common mistakes to avoid

23:13 – Designing spaces to fight burnout

Any discussion in this video does not take into account your objectives, financial situation or needs. Before acting on it, you should consider whether it’s appropriate to you, in light of your objectives, financial situation or needs. For tailored support, speak with a licensed professional about your financial planning or financial services needs today.

Connect with Victor:

👔 LinkedIn: Victor Idoko - https://www.linkedin.com/in/victor-idoko-cfa-a5799076

📸 TikTok: @victoridokowlthadv

Follow us:

➡️ Website: https://cfvadvisory.com.au/

➡️ FB / IG: / cfvadvisory

➡️ LinkedIn: / cfv-advisory

➡️ YouTube: / ‪ @victoridokocfv

Connect with Ozge / Boxareno

👔 LinkedIn: Ozge Fettahlioglu - / ozgefettahlioglu/

➡️ Instagram: / @cocoplumstyle

➡️ Website: http://www.boxareno.com.au/

#BiophilicDesign #WealthAndWellness #EvidenceBasedDesign #InteriorDesignTips #ElevateYourWealth

Hosted on Acast. See acast.com/privacy for more information.

Buying a property is a big deal — and navigating finance doesn’t have to be confusing. In this episode of the Elevate Your Wealth podcast, Lauren Worldon, Founder of Apex Mortgage Advisory, joins Victor Idoko to break down how first home buyers, families, and solo professionals can make smarter decisions around lending, borrowing, and structuring property finance.

With years of experience in both banking and broking, Lauren shares her real-world insights into what lenders actually look for, why pre-approval matters, and how smart debt structuring can put thousands back into your pocket over time. Whether you're buying your first place, refinancing, or just trying to understand how mortgages work — this one’s for you.

🎧 In this episode, you'll learn:

✅ How mortgage brokers assess borrowing capacity and goals

✅ Why structuring your loan properly from Day 1 matters

✅ How Apex helps clients prepare for property and business growth

✅ The importance of debt strategy, not just loan approval

✅ What to consider if you’re self-employed or have variable income

🎁 Plus, you our dear listeners get a free copy of Lauren’s book, "A Simple Guide to Buying Your First Home in Australia" or a discounted 1-on-1 strategy call to explore your property plans.

🎙️ Timestamps:

(01:49) – What Apex Mortgage Advisory is all about

(03:55) – What first home buyers often get wrong

(05:48) – Importance of aligning finance with long-term goals

(11:15) – Partnering with professionals: broker + financial planner

(14:42) – Lauren’s view on long-term success in property

(17:25) – How Apex supports clients beyond the loan

💬 Got questions about borrowing, refinancing, or planning your next move?

Leave a comment or send us a message — we’d love to hear from you!

Connect with Victor:

👔 LinkedIn: Victor Idoko - https://www.linkedin.com/in/victor-idoko-cfa-a5799076

📸 TikTok: @victoridokowlthadv

Follow us:

➡️ Website: https://cfvadvisory.com.au/

➡️ FB / IG: / cfvadvisory

➡️ LinkedIn: / cfv-advisory

➡️ YouTube: / ‪@victoridokocfv‬

Connect with Lauren / Apex Mortgage Advisory:

🌐 Website: https://apexmortgageadvisory.com.au

👔 LinkedIn: Lauren Worldon - https://www.linkedin.com/in/lauren-worldon-b4b31a63/

📸 Instagram: @apex_mortgage_advisory

📘 Facebook: /apexmortgageadvisory

✅ Subscribe for more episodes that simplify wealth, finance, and lifestyle planning.

🎧 Available on Spotify, Apple Podcasts, and YouTube.

Hosted on Acast. See acast.com/privacy for more information.

Welcome to an insightful conversation with Terry Johnson and his children, Mia and Benjamin Johnson, as they share their journey of family business succession, insurance expertise, and the importance of planning for the future. With decades of combined experience across financial advice, claims management, and wealth education, the Johnson family — representing Keyman Financial Services — highlights the value of protecting what matters most: your family and your hard work.

If you're a business owner, young family, or someone thinking about legacy, this one's for you.

🎙️ Timestamps:

(00:10) – Meet the Johnson Family: Keyman Financial Services

(02:08) – Why Some Businesses Over-Leverage: Lessons from the Field

(04:35) – Mia on Claims, Insurance & Supporting Young Families

(07:12) – Benjamin’s Vision: Financial Education & Wealth for the Next Gen

(10:48) – Terry’s Reflections: Golf, Las Vegas, & Life After 20+ Years in Finance

(13:36) – The Power of Family in Business Succession Planning

👉 Need help protecting your business or planning your family’s future?

Click this link to get started: https://shorturl.at/ybaFY

Connect with Victor:

📸 TikTok: / victoridokowlthadv

👔 LinkedIn: / victor-idoko-cfa-a5799076

Follow us:

➡️ Website: https://cfvadvisory.com.au/

➡️ FB / IG: / cfvadvisory

➡️ LinkedIn: / cfv-advisory

➡️ YouTube: / ‪@victoridokocfv‬

Connect with Keyman Financial Services:

👔 LinkedIn: https://au.linkedin.com/company/keyman-financial-services

➡️ FB/IG : https://www.facebook.com/KeymanFinancialServices

Website : https://kfs.net.au/

Hosted on Acast. See acast.com/privacy for more information.

Are your personal and business assets really protected?

In this essential episode, Financial Planner Victor Idoko sits down with Ury Zhang, Director of Biz Lawyers, to break down what every business owner and high-net-worth individual MUST know about asset protection, legal structures, lending traps, and legacy planning.

✅ Learn the difference between smart structuring and costly mistakes

✅ Discover how to avoid being personally liable as a guarantor

✅ Understand how family trusts, investment vehicles, and legal advice help protect your wealth

🎙️ Timestamps:

(0:50) Introduction

(1:50) Meet Ury Zhang (Director, Biz Lawyers)

(5:00) Asset Fundamental Protections

(7:52) Different Risks That Can Affect Your Assets

(13:03) Real Scenario: Lending, Loans & Guarantor Pitfalls

(17:30) What Structure Should You Use When Starting a Business?

(30:00) Family Trust Explained Simply

(40:32) Legacy Planning & Business Succession

(44:00) How to Reach Ury Zhang for Help with Asset Protection

📩 Want your assets protected? Reach out to our guest or book a financial strategy session with Victor at cfvadvisory.com.au

Click this link to get started: https://shorturl.at/ybaFY

Connect with Victor:

📸 TikTok: / victoridokowlthadv

👔 LinkedIn: / victor-idoko-cfa-a5799076

Connect with Ury Zhang:

👔 LinkedIn: https://www.linkedin.com/in/ury-zhang-commercial-lawyer/

➡️ FB/IG : https://www.instagram.com/bizlawyersau/

Follow us:

➡️ Website: https://cfvadvisory.com.au/

➡️ FB / IG: / cfvadvisory

➡️ LinkedIn: / cfv-advisory

➡️ YouTube: / @victoridokocfv

#AssetProtection #BusinessPlanning #FinancialAdviceAustralia #HighNetWorth #BusinessOwners #FamilyTrusts #FinancialPlanning #CFVAdvisory #LegacyPlanning #SuccessionStrategy #TaxEfficiency

Hosted on Acast. See acast.com/privacy for more information.

In this episode, Victor answers your most burning questions about money, superannuation, home loans, business debt, and even pre-nups. Whether you're in your 20s, 30s, or 50s — there’s something in here for everyone who's serious about getting financially confident and future-ready.

Timestamps:

(0:50) Question 1: Should I put my money into Super?

(1:23) If you’re in your 30s, here’s what to do with your Super

(3:06) If you’re in your 50s, here’s how to approach your Super

(3:59) Q2: Do banks look at my Uber Eats spending when applying for a loan?

(5:32) Q3: Should I buy an investment property in my 20s or 30s?

(7:30) Q4: As a business owner, should I use debt to grow my business?

(8:40) Q5: What’s my take on pre-nups and post-nups?

Any discussion in this post does not take into account your objectives, financial situation or needs. Before acting on it, you should consider whether it’s appropriate to you, in light of your objectives, financial situation or needs.

👉 Ready to take control of your financial future? Click this link to get started: https://shorturl.at/ybaFY

Connect with Victor:

📸 TikTok: / victoridokowlthadv

👔 LinkedIn: / victor-idoko-cfa-a5799076

Follow us:

➡️ Website: https://cfvadvisory.com.au/

➡️ FB / IG: / cfvadvisory

➡️ LinkedIn: / cfv-advisory

➡️ YouTube: / @victoridokocfv

#SMSF #WealthPlanning #Superannuation #EstatePlanning #Finance #MoneyTalks #RetirementPlanning

Hosted on Acast. See acast.com/privacy for more information.

Victor breaks down a real-life case study to help you build a solid pre-retirement game plan — from structuring super contributions to mortgage strategies, investment buckets, and estate planning. Whether you're just 2 years away or still 10 years out from retirement, this episode gives you the tools to take control and secure your future.

🎯 It’s not just about building wealth — it’s about protecting it, growing it, and drawing from it wisely.

Timestamps

(0:44) Meet Jane & John: A pre-retirement case study

(1:08) Problem 1: Unallocated surplus income — where should your extra money go?

(2:08) Problem 2: Are your super contributions actually optimized?

(3:58) Problem 3: Mortgage vs Super — where does your surplus make the most impact?

(5:17) Solution 1: Super contributions, fund comparisons & tax savings

(7:13) Solution 2: Paying down the mortgage & building an emergency buffer

(8:05) Solution 3: Building a retirement income plan using the 3-bucket investment strategy

(12:53) Solution 4: Estate planning — wills, nominations & tax outcomes for your heirs

What You’ll Learn

✅ How to spot gaps in your pre-retirement plan

✅ Super strategies for tax savings and retirement income

✅ The pros and cons of mortgage vs super contributions

✅ How to use a 3-bucket strategy to smooth out your retirement cash flow

✅ The truth about wills, superannuation, and who really gets your money

👉 Ready to get serious about retirement? Subscribe, follow, and share this with someone who’s ready to make their money work for them.

🎧 Click here to get started: https://linktr.ee/cfvadvisory

Meet Victor Idoko

Victor is a Chartered Financial Analyst (CFA) with a Master’s in Commerce (Finance) and a Bachelor’s in Economics. 📚 He also holds an Advanced Diploma in Financial Planning. His passion is helping others live more rewarding lives through better financial decisions — whether it’s gaining clarity, building security, or freeing up time. 🌟💰

Connect with Victor:

📸 TikTok: / victoridokowlthadv

👔 LinkedIn: / victor-idoko-cfa-a5799076

Follow us on social media:

➡️ Website: https://cfvadvisory.com.au/

➡️ Facebook: / cfvadvisory

➡️ Instagram: / cfvadvisory

➡️ LinkedIn: / cfv-advisory

➡️ YouTube: / @victoridokocfv

#RetirementPlanning #Superannuation #BucketStrategy #EstatePlanning #AustralianFinance #WealthProtection #CFVAdvisory #FinancialIndependence #SmartMoneyMoves #InvestingForRetirement #ElevateYourWealth

Any discussion in this episode does not take into account your objectives, financial situation or needs. Before acting on it, you should consider whether it’s appropriate to you, in light of your objectives, financial situation or needs.

For tailored support, speak with a licensed professional about your financial planning or financial services needs today.

Hosted on Acast. See acast.com/privacy for more information.

In today’s episode, we sit down with Charlie Winn from ‪@orchardcoaching‬ — a renowned Leadership Coach who helps businesses develop future leaders, increase capacity, and free up time for executives and business owners to focus on what they truly love. 💼💡

Charlie shares his insights on the biggest challenges business owners face today, how strong leadership impacts long-term business success, and how to build a leadership culture that drives performance.

Whether you're a founder, CEO, or emerging leader, this episode will help you understand the habits of successful business owners, the power of investing in yourself, and what it takes to lead with clarity and confidence.

⏱️ TIMESTAMPS:

(01:07) Who is Charlie Winn?

(04:33) Challenges business owners face today

(13:20) The link between leadership and business success

(20:20) How Charlie helps leaders level up

(33:31) The importance of self-investment for business owners

(35:31) Habits of successful business leaders

🎯 What You’ll Learn:

-Why leadership is the backbone of sustainable business growth

-How to strategically develop leadership skills in your team

-Why stepping back and working on the business matters

-How to cultivate high-performance habits as an owner or executive

Connect with Charlie Winn:

🌐 Website: https://orchardcoaching.com.au

👔 LinkedIn: / charliewinn

Book a 15 mins call : https://calendly.com/charlie-winn/15mins

Meet Victor Idoko:

Victor is a Chartered Financial Analyst (CFA) with a Master's in Commerce (Finance) and a Bachelor’s in Economics. 📚 He also holds an Advanced Diploma in Financial Planning. His passion is helping others achieve more rewarding lives through financial planning, whether it’s reducing stress, increasing financial security, or freeing up time. 🌟💰

Connect with Victor:

📸 TikTok: / victoridokowlthadv

👔 LinkedIn: / victor-idoko-cfa-a5799076

Follow us on social media:

➡️ Website: https://cfvavisory.com.au/

➡️ Facebook: / cfvadvisory

➡️ Instagram: / advisory

➡️ LinkedIn: / cfv-advisory

#LeadershipDevelopment #BusinessGrowth #CharlieWinn #LeadershipCoach #BusinessOwnerTips #ExecutiveCoaching #EntrepreneurMindset #SelfLeadership #BusinessSuccess #CFVAdvisory #WealthAndLeadership #BusinessPodcast #LeadershipPodcast #GrowYourBusiness #TimeFreedom #victoridoko

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