『The Wealth Guide Podcast』のカバーアート

The Wealth Guide Podcast

The Wealth Guide Podcast

著者： Ray Regmi
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Welcome to The Wealth Guide Podcast, where we discuss and explore ways of helping individuals and businesses achieve their financial goals.

Discover a plethora of knowledge in each episode from our hosts, and industry guest speakers and gain deeper insights and tools to help you make the right choice for a brighter future.

Disclaimer: The information provided in this podcast is for general purposes only and should not be considered personal advice. Always consult with qualified professionals or experts in the relevant field for personalised advice tailored to your specific situation.


The Wealth Guide Podcast is proudly brought to you by Ryker Capital.

© 2026 The Wealth Guide Podcast 経済学
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  • Co-Buying Property – Smart Shortcut or Financial Time Bomb? | Ep. 64

    Co-Buying Property – Smart Shortcut or Financial Time Bomb? | Ep. 64
    2026/06/30
    Want to learn how our proven wealth-building strategies can help you create lasting financial security? Book a FREE consultation today: https://subscribepage.io/BookAConsult ────────────────────────────────── Buying property with a sibling or friend can sound like the perfect shortcut into the market — but what happens when goals change, life shifts, or one person wants out? In this episode of The Wealth Guide Podcast, the team is joined by Amit Sharma from Inspired Wealth to unpack the realities of co-buying property and why having the right structure matters just as much as getting into the market itself. From co-ownership deeds and borrowing capacity to future relationships, exit strategies, insurance, and difficult conversations, this episode explores what people often overlook before signing on the dotted line. The conversation dives into the emotional side of co-buying, why treating the arrangement like a business partnership is essential, and how poor planning today can create financial and relationship stress later. Whether you're considering buying with a sibling, friend, or even parents, this episode highlights why clarity, communication, and professional advice are critical before making one of the biggest financial decisions of your life. ────────────────────────────────── SHOW NOTES LINKS Malissa Vourakis - https://www.linkedin.com/in/malissa-vourakis-79066a67 Ray Regmi - https://www.linkedin.com/in/ray-regmi-3a267539 Ricky Regmi - https://www.linkedin.com/in/rajiv-ricky-regmi-cpa-943694213 Dean Desoukey - https://www.linkedin.com/in/dean-desoukey ────────────────────────────────── TIMESTAMPS 00:00 – Introduction 00:59 – Why co-buying property is becoming more common 04:02 – Are you financially aligned before buying together? 06:22 – Why emotions need to be removed from the decision 09:52 – Joint tenancy vs tenants in common explained 10:54 – Why co-ownership deeds matter 13:59 – Real-life co-buying mistakes and lessons 19:06 – Lending risks and borrowing capacity issues 24:08 – Unexpected costs, buffers, and cash flow pressure 27:04 – Why co-buying arrangements should be reviewed regularly 31:26 – Retirement, pension, and long-term planning considerations 33:41 – Insurance and protecting both parties 35:51 – The one conversation every co-buyer must have 42:45 – Final takeaways and closing thoughts ────────────────────────────────── LISTEN TO THE PODCAST Spotify: https://open.spotify.com/show/5Q3irgh... Apple Podcast: https://apple.co/3QPF3ch Amazon Music: https://amzn.to/3YMZjgD ────────────────────────────────── FIND US HERE Facebook: https://bit.ly/3RsO5Mr LinkedIn: https://bit.ly/3Rs0Qah Instagram: https://bit.ly/46kZvGp TikTok: https://bit.ly/3PSbK7U YouTube: https://bit.ly/3rsKxPG ────────────────────────────────── CONTACT US hello@rykercapital.com.au Client Enquiries: 1300 179 537 Careers & Press: 1300 179 537 ────────────────────────────────── DISCLAIMER The information provided in this podcast is for general purposes only and should not be considered personal advice. Always consult with qualified professionals or experts in the relevant field for personalised advice tailored to your specific situation.
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    44 分
  • Super, Timing & Strategy - What Most People Get Wrong | Ep. 63

    Super, Timing & Strategy - What Most People Get Wrong | Ep. 63
    2026/06/25
    Want to learn how our proven wealth-building strategies can help you create lasting financial security? Book a FREE consultation today: https://subscribepage.io/BookAConsult ────────────────────────────────── Super might not feel urgent when retirement still feels far away, but the decisions you make today can quietly shape the lifestyle you have later. In this episode of The Wealth Guide Podcast, the team unpacks superannuation timing, strategy, and the common mistakes people make when they leave it too late. From waiting until June to think about contributions, to ignoring fees, insurance, investment settings, and missed tax opportunities, this conversation looks at why super should not be something you only check once a year. The team also explores the upcoming payday super changes, what they may mean for employees and employers, and why more frequent contributions could help create better visibility, stronger habits, and more opportunity for long-term growth. More importantly, this episode highlights that super is not just a retirement account sitting in the background. It can be part of your broader wealth strategy, your tax planning, your insurance structure, and your long-term financial security. If your super has been sitting on autopilot for years, this episode is a timely reminder that it may only take a small shift today to create a much bigger difference tomorrow. ────────────────────────────────── SHOW NOTES LINKS Malissa Vourakis - https://www.linkedin.com/in/malissa-vourakis-79066a67 Ray Regmi - https://www.linkedin.com/in/ray-regmi-3a267539 Ricky Regmi - https://www.linkedin.com/in/rajiv-ricky-regmi-cpa-943694213 Dean Desoukey - https://www.linkedin.com/in/dean-desoukey ────────────────────────────────── TIMESTAMPS 00:00 – Introduction 01:00 – Super timing, strategy, and common mistakes 03:17 – Why super still feels like a “retirement-only” topic 04:41 – Why starting young can make a huge difference 08:03 – EOFY timing and super contribution strategy 10:01 – How advisers structure super based on goals 14:27 – Investment options and risk settings inside super 20:02 – Missed opportunities for high-income households 23:12 – Insurance inside super explained 29:51 – Super nominations and blended families 31:26 – What Payday Super means 38:14 – How super fits into a broader financial plan ────────────────────────────────── LISTEN TO THE PODCAST Spotify: https://open.spotify.com/show/5Q3irgh... Apple Podcast: https://apple.co/3QPF3ch Amazon Music: https://amzn.to/3YMZjgD ────────────────────────────────── FIND US HERE Facebook: https://bit.ly/3RsO5Mr LinkedIn: https://bit.ly/3Rs0Qah Instagram: https://bit.ly/46kZvGp TikTok: https://bit.ly/3PSbK7U YouTube: https://bit.ly/3rsKxPG ────────────────────────────────── CONTACT US hello@rykercapital.com.au Client Enquiries: 1300 179 537 Careers & Press: 1300 179 537 ────────────────────────────────── DISCLAIMER The information provided in this podcast is for general purposes only and should not be considered personal advice. Always consult with qualified professionals or experts in the relevant field for personalised advice tailored to your specific situation.
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    43 分
  • When the technology gets smarter, what still makes human advice matter? | Ep. 62

    When the technology gets smarter, what still makes human advice matter? | Ep. 62
    2026/06/25
    Want to learn how our proven wealth-building strategies can help you create lasting financial security? Book a complimentary consultation today: https://subscribepage.io/BookAConsult ────────────────────────────────── AI might be changing the way financial advice is delivered, but it is also forcing a bigger question: when the technology gets smarter, what still makes human advice matter? In this episode of The Wealth Guide Podcast, the team is joined by Mandeep Sodhi from EFI, alongside Ricky and Dean, to explore how AI, automation, and emerging technology are already reshaping the financial advice landscape. From predictive tools and robo-advice platforms to workflow automation, client communication, and data-led planning, the conversation looks at what is already here — and what is coming faster than many expect. But this episode is not about hype. It is about where the real line sits between efficiency and trust. The team unpacks the opportunities AI creates for faster modelling, better systems, and more accessible support, while also addressing the concerns around ethics, regulation, privacy, accountability, hallucinations, and the risk of over-relying on technology that still cannot fully understand human goals, emotion, or nuance. At the centre of the discussion is a simple idea: the future of advice may be more automated, but the value of a great adviser becomes even more important when the decisions are personal, complex, and high stakes. Technology can support the process, but clarity, judgment, strategy, and trust still need a human voice behind them. If you’ve been wondering whether AI will replace financial advisers — or simply change what great advice looks like — this episode is a timely look at where the industry is heading and why the human edge still matters. ────────────────────────────────── SHOW NOTES LINKS Malissa Vourakis - https://www.linkedin.com/in/malissa-vourakis-79066a67/ Mandeep Sodhi - https://www.linkedin.com/in/mandeepsodhi/ Ricky Regmi - https://www.linkedin.com/in/rajiv-ricky-regmi-cpa-943694213/ Dean Desoukey - https://www.linkedin.com/in/dean-desoukey/ ────────────────────────────────── LISTEN TO THE PODCAST Spotify: https://spoti.fi/3qJL8w4 Apple Podcast: https://apple.co/3QPF3ch Amazon Music: https://amzn.to/3YMZjgD ────────────────────────────────── FIND US HERE Facebook: https://bit.ly/3RsO5Mr LinkedIn: https://bit.ly/3Rs0Qah Instagram: https://bit.ly/46kZvGp TikTok: https://bit.ly/3PSbK7U YouTube: https://bit.ly/3rsKxPG ────────────────────────────────── CONTACT US hello@rykercapital.com.au Client Enquiries: 1300 179 537 Careers & Press: 1300 179 537 ────────────────────────────────── TIME STAMPS: 00:00 – Introduction 00:22 – The future of financial advice, AI & automation 01:30 – What AI tools are already here right now 03:01 – Why younger generations are embracing AI advice 05:15 – Robo-advice platforms explained 06:23 – AI as a tool vs replacing human advisers 08:05 – Predictive planning, algorithms & AI modelling 11:02 – Regulation, ethics & liability concerns with AI 13:27 – Why human emotion still matters in financial advice 17:22 – Using AI to free advisers from admin & calculations 21:05 – Can AI make financial advice more accessible? 22:16 – How AI and humans can work together better 24:12 – What financial advice could look like by 2030 28:00 – Risks, privacy concerns & overreliance on AI 30:22 – Final thoughts: the future AI-approved adviser ────────────────────────────────── DISCLAIMER The information provided in this podcast is for general purposes only and should not be considered personal advice. Always consult with qualified professionals or experts in the relevant field for personalised advice tailored to your specific situation.
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    34 分
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