The Adviser Talk looks at recent events and financial news through the lens of Stewart Group’s expert Financial Advisers. We cover everything from crypto-cracking hamsters to saving for retirement (and plenty of subjects in between). If you have any questions or financial topics you want us to cover on future episodes, you can simply email your requests to podcasts@stewartgroup.co.nz
You’ll find CEO Nick Stewart our most frequent flyer in the hot seat – Nick is a Financial Adviser, Accredited Investment Fiduciary, and Associate Financial Planner of Financial Advice New Zealand. He is our CEO and Financial Adviser at Stewart Group and holds a number of directorships in privately-owned companies and independent trusteeships.
About Stewart Group
Stewart Group is a financial planning and advisory firm based in Hawke's Bay and Wellington. We offer personal fiduciary services, wealth management, risk insurance, and KiwiSaver solutions. Our approach is guided by our core values of honesty, integrity, and loyalty. These principles reflect our family-oriented philosophy, which we apply in our daily operations.
We pride ourselves on fostering strong, personal relationships with our clients, delivering tailored services that meet their individual needs. As one of only eight CEFEX-accredited firms in New Zealand, we are dedicated to upholding the highest fiduciary standards and promoting a culture of continuous improvement.
Through our owners, directors and team members, Stewart Financial Group (NZBN: 9429040213187) identifies as a Māori owned business.
•The information provided, or any opinions expressed in this show, are of a general nature only and should not be construed or relied on as a recommendation to invest in a financial product or class of financial products. You should seek financial advice specific to your circumstances from an Authorised Financial Adviser before making any financial decisions. A disclosure statement can be obtained free of charge by calling 0800 878 961 or visit our website, www.stewartgroup.co.nz
Hosted on Acast. See acast.com/privacy for more information.
The Adviser Talk looks at recent events and financial news through the lens of Stewart Group’s expert Financial Advisers. We cover everything from crypto-cracking hamsters to saving for retirement (and plenty of subjects in between). If you have any questions or financial topics you want us to cover on future episodes, you can simply email your requests to podcasts@stewartgroup.co.nz
You’ll find CEO Nick Stewart our most frequent flyer in the hot seat – Nick is a Financial Adviser, Accredited Investment Fiduciary, and Associate Financial Planner of Financial Advice New Zealand. He is our CEO and Financial Adviser at Stewart Group and holds a number of directorships in privately-owned companies and independent trusteeships.
About Stewart Group
Stewart Group is a financial planning and advisory firm based in Hawke's Bay and Wellington. We offer personal fiduciary services, wealth management, risk insurance, and KiwiSaver solutions. Our approach is guided by our core values of honesty, integrity, and loyalty. These principles reflect our family-oriented philosophy, which we apply in our daily operations.
We pride ourselves on fostering strong, personal relationships with our clients, delivering tailored services that meet their individual needs. As one of only eight CEFEX-accredited firms in New Zealand, we are dedicated to upholding the highest fiduciary standards and promoting a culture of continuous improvement.
Through our owners, directors and team members, Stewart Financial Group (NZBN: 9429040213187) identifies as a Māori owned business.
•The information provided, or any opinions expressed in this show, are of a general nature only and should not be construed or relied on as a recommendation to invest in a financial product or class of financial products. You should seek financial advice specific to your circumstances from an Authorised Financial Adviser before making any financial decisions. A disclosure statement can be obtained free of charge by calling 0800 878 961 or visit our website, www.stewartgroup.co.nz
Hosted on Acast. See acast.com/privacy for more information.
What do you consider your biggest asset, and is it covered?
Featuring Tim Ewan, Risk Insurance Manager at Stewart Group, we discuss the significance of income protection insurance for New Zealanders, the limitations of ACC, and the roles of different types of personal insurance.
Tim explains why income protection is vital, how trauma and TPD cover work, the impact of non-accidental conditions, and practical steps for choosing the right cover.
Tune in now and ensure you are covered where it matters most.
Important Time Stamps
(00:02:03) Why income protection insurance is important for everyday New Zealanders.
(00:03:23) ACC coverage explained, and its limitations compared to private income protection.
(00:04:37) Overview of personal insurance types: life, trauma, TPD, and income protection.
(00:08:12) The impact of insurance events and why planning ahead matters.
(00:09:10) How insurance payouts can relieve stress and aid recovery.
(00:10:05) ACC statistics: non-accidental conditions, workdays lost and how income protection fills gaps not covered by ACC.
(00:12:35) First steps for people considering insurance: importance of good advice, regular insurance reviews and claiming when eligible.
(00:16:00) Final thoughts: protecting your income and choosing the right cover.
The Adviser Talk is available on all popular streaming platforms, including Spotify and Apple Podcasts.
Hosted on Acast. See acast.com/privacy for more information.
Are we really as wealthy as the headlines claim?
New Zealand recently ranked fifth globally in per capita wealth—but is that just an illusion? In this episode, Tim and Nick unpack why so much of our “wealth” is tied up in property, what that means for financial security, and practical steps to build resilience beyond bricks and mortar.
(00:00:00) Intro: Are we really the fifth-wealthiest nation, or is it smoke and mirrors?
(00:00:36) Why Kiwis feel squeezed despite global wealth rankings
(00:00:49) The Allianz report and New Zealand’s property-heavy balance sheet
(00:03:38) Why housing wealth creates an illusion of security
(00:04:29) The “third age” and risks of poor cash flow in retirement
(00:06:40) Government incentives and our obsession with property
(00:08:07) GDP per capita vs wealth rankings—what’s the real story?
(00:09:57) Why New Zealand’s productivity has lagged for decades
(00:13:30) Export strategy and lack of value-add in key industries
(00:16:02) Practical steps for genuine financial resilience
The Adviser Talk is available on all major streaming platforms, including Spotify and Apple Music.
Hosted on Acast. See acast.com/privacy for more information.
Is wisdom really worth 4.52%?
In this episode, Tim and Rory unpack the true value of advice.
Russell Investments recently quantified the value financial advisers bring to New Zealand investors at 4.52%, Rory breaks down the “price of wisdom” and explores the real benefits that extend far beyond portfolio performance.
(00:00:43) What’s in the 4.52%: asset allocation, customised planning, and behavioural coaching
(00:01:38) Why investors fixate on numbers; NZ’s property bias and herd behaviour
(00:02:24) When “safe” turns risky: property boom/bust parallels with ’87 crash, dot‑com, GFC, COVID
(00:03:25) Returns comparison: NZX50 (~6.9x) vs globally diversified (~17.5x) since the late ’80s
(00:04:06) Media narratives, bubbles and innovation; the human tendency to react to “now”
(00:05:31) Holistic planning beyond returns: tax efficiency, structures, succession, risk insurance
(00:06:13) Goals you can’t price: flexibility, travel, family—why some outcomes are “priceless”
(00:06:35) Estate planning basics: wills, guardianship, peace of mind
(00:07:51) Behavioural coaching in action: “don’t do this” moments; staying invested in KiwiSaver
(00:10:27) Humans vs algorithms: reassurance and judgement you can’t automate
The Adviser Talk is available on all popular streaming platforms, including Apple and Spotify.
Hosted on Acast. See acast.com/privacy for more information.
Are yesterday’s market champions tomorrow’s winners? History says not likely.
Driving the discussion: Financial advisor Bruce Jenks warns investors against concentrating portfolios in these high-performing stocks, despite the fear of missing out. While these companies benefit from AI-driven productivity gains, past market leaders like ExxonMobil and Chevron have shown that dominance doesn't last forever.
Tune in to learn what simple, proven strategy remains your best defence against market uncertainty.
(00:00:42) Intro: Why yesterday’s winners may not be tomorrow’s champions
(00:01:15) The rise of the “Magnificent Seven” and investor FOMO
(00:03:02) Lessons from past market leaders
(00:04:18) How quickly market leadership shifts
(00:06:05) AI-driven gains and the risk of overconcentration
(00:08:27) Diversification explained: reducing risk without sacrificing returns
(00:10:14) US vs NZ market performance over the past five years
(00:13:45) AI opportunities beyond tech
(00:15:22) Why long-term planning beats chasing past performance
(00:17:10) Closing thoughts: discipline, diversification, and clear strategy
The Adviser Talk is available on all major streaming platforms, including Spotify and Apple Music.
Hosted on Acast. See acast.com/privacy for more information.
Can even the smartest minds outsmart market mania?
Sir Isaac Newton lost a fortune in the South Sea bubble—proof that FOMO can derail even genius.
In this episode, Tim and Nick unpack what Newton’s misstep teaches us about bubbles, herd behaviour and today’s hype-driven markets. Discover why diversification, discipline and wise counsel remain your best defence against financial folly.
(00:00:37) Intro: Newton’s investment mistake and market bubbles
(00:01:33) Why bubbles happen and why they’re hard to spot
(00:03:22) What Newton’s South Sea bubble experience reveals about investor behaviour
(00:03:38) Deep dive into the South Sea bubble and Newton’s costly mistake
(00:06:49) Newton’s famous quote on human behaviour and markets
(00:08:14) Parallels between historical bubbles and today’s AI boom
(00:11:36) Why predicting winners is nearly impossible
(00:11:48) Strategies to counter FOMO and avoid poor decisions
(00:13:30) Diversification as the best defence against market uncertainty
(00:14:46) Role of financial advisers in preventing big mistakes
(00:17:33) Closing thoughts: humility, discipline and diversification
The Adviser Talk is available on all popular streaming platforms, including Spotify and Apple.
Hosted on Acast. See acast.com/privacy for more information.
Is your KiwiSaver working hard enough for your future?
KiwiSaver should be part of a broader, holistic financial strategy—not a standalone account. Many Kiwis opt for overly cautious KiwiSaver options because they're not considering their entire asset mix.
Tune in as Tim and Rory discuss how aligning your investments, property, insurance, and income can set you up for long-term retirement success.
Important time stamps:
(00:00:00) Episode and guest introduction
(00:00:52) Importance of viewing KiwiSaver as part of a holistic financial picture
(00:01:27) New Zealand's traditional approach to retirement planning and asset allocation
(00:02:43) KiwiSaver as a growth asset and restructuring asset allocation
(00:03:35) Explaining 'whole of wealth' and its practical implications
(00:05:04) Challenges of fragmented financial advice and benefits of integrated planning
(00:06:33) Impact of home ownership and mortgage on KiwiSaver strategy
(00:07:46) Retirement flexibility and managing KiwiSaver post-65
(00:08:42) Common mistakes in KiwiSaver fund selection and conservative allocations
(00:10:05) Life changes and the need to adjust KiwiSaver strategy over time
(00:10:37) Benefits of holistic financial advice over siloed providers
(00:11:21) Financial planning for young individuals starting their journey
The Adviser Talk is available on all popular streaming platforms, including Spotify and Apple Podcasts.
Hosted on Acast. See acast.com/privacy for more information.
Is home ownership still the Kiwi dream, or has reality shifted?
Featuring Brent Allcock, Financial Adviser, this episode dives into the realities of New Zealand’s housing market in 2025. Tim and Brent discuss the impact of interest rates, wage growth, and inflation on home ownership, the causes and consequences of our housing correction, and whether owning property is still a realistic goal for young New Zealanders.
How does New Zealand’s market compare internationally? Tune in for expert perspectives and insights on navigating the evolving property market.
The Adviser Talk is available on all popular streaming platforms, including Spotify and Apple Podcasts.
Hosted on Acast. See acast.com/privacy for more information.
Whether you're earning a little or a lot, today we’re unpacking how short-term thinking and our spending habits can cost us more than we realise.
From the weekly budget trap to guilt-free online splurges, we explore the psychology behind our choices, the hidden cost of cheap goods, and how to align your money with your values.
Tune in now and take control of your financial mindset.
Important time stamps:
(00:00:50) Episode and guest introduction
(00:01:40) Short-term Budget Savings: Why people fall into the trap of buying cheaper items more often, even when it costs more in the long run.
(00:02:27) Quality vs. Cheap Goods: The long-term value of buying quality goods versus cheap.
(00:03:28) Shopping as Emotional Fulfilment: Shopping has shifted from a necessity to a form of emotional fulfilment or entertainment.
(00:04:18) Hidden Costs of Cheap Goods: The hidden costs of buying cheap goods beyond just the price tag.
(00:06:16) Disposable Product Mentality: Discussion on the mentality of disposable products and the inconvenience of returning online purchases.
(00:08:41) B Corp Certification: What is it and how can it help consumers make more values-aligned choices?
(00:10:06) Long-term Financial Planning: How you can start thinking more long-term with your money, even if you're on a tight budget.
(00:12:22) Keeping Up with the Joneses: The risk of lifestyle creep and wanting to keep up with others.
The Adviser Talk is available on all popular streaming platforms, including Spotify and Apple Podcasts.
Hosted on Acast. See acast.com/privacy for more information.
A "state-protected oligopoly" dominated by four major generator-retailers?
In this episode, Nick Stewart, CEO and Tim Ewen, Risk Insurance Manager, delve into the complexities of New Zealand's electricity market, covering high energy prices, their impact on manufacturing and employment, and the historical context of policy failures. Explore the government's conflict of interest due to its shareholding in major energy companies, the limitations imposed by the single Installation Control Point (ICP) rule, and the benefits of distributed energy solutions.
Have you noticed the parallels between New Zealand’s energy market and the grocery sector? You’re not alone - tune in to gain insights into the challenges and potential solutions for New Zealand's energy sector.
Important time stamps:
(01:14) Electricity Market and Oligopoly: Discussion on New Zealand's electricity market being a state-protected oligopoly and explanation of the government's shareholding in major energy companies.
(02:41) High Energy Prices: Prime Minister Christopher Luxon's acknowledgment of high energy prices and the impact of high energy prices on manufacturing and employment.
(06:00) Energy Generation and Supply Issues: The lack of investment in new energy generation, the historical context of energy market reforms and their impact.
(21:00) Distributed Energy and Resilience: Benefits of distributed energy for community resilience and local energy generation.
(23:37) Comparison with Grocery Sector: Parallels between the energy market and the grocery sector – the illusion of choice for consumers across both.
(26:24) Peer-to-Peer Energy Networks: Nick’s experience with a peer-to-peer energy network and insights from the solar community project.
(29:19) Future Changes and Innovations: Suggestions for changes in the energy sector, including breaking up ICPs and investing in new generation.
The Adviser Talk is available on all popular streaming platforms, including Spotify and Apple Podcasts.
Hosted on Acast. See acast.com/privacy for more information.
Join Tim Ewen, risk insurance manager, and Rory O'Neill, Financial Adviser, Director and General Manager of Stewart Group, as they delve into the pressing issue of the Reserve Bank's recent OCR cut and its implications for financial planning in New Zealand.
In this episode, Tim and Rory share their insights on how the OCR cut is impacting interest rates, the importance of diversifying investments, and the challenges faced by young Kiwis in the current economic climate.
The conversation covers the reasons behind the OCR cut, its contribution to national inflation, and the broader economic implications. Tim and Rory also explore the significance of setting long-term financial goals, the need for an emergency fund, and the benefits of consulting a financial advisor.
Tune in to gain a deeper understanding of how the Reserve Bank's decisions affect your finances and what you can do to navigate your financial journey responsibly.
Read the full 'Navigating New Zealand’s Economic Crossroads' article HERE
Time Stamps:
Introduction and Overview
OCR Cut and Interest Rates
Investment Strategies and Diversification
Unemployment and Economic Challenges
Challenges for Young Kiwis
Financial Planning Advice
The Adviser Talk is available on all popular streaming platforms, including Spotify and Apple Podcasts.
Rory O'Neill is a Financial Adviser as well as the Director and General Manager at Stewart Group, a Hawke's Bay and Wellington-based CEFEX-certified financial planning and advisory firm. Stewart Group provides personal fiduciary services, Wealth Management, Risk Insurance & KiwiSaver solutions.
The information provided, or any opinions expressed in this show, are of a general nature only and should not be construed or relied on as a recommendation to invest in a financial product or class of financial products. You should seek financial advice specific to your circumstances from an Authorised Financial Adviser before making any financial decisions. A disclosure statement can be obtained free of charge by calling 0800 878 961 or visit our website, www.stewartgroup.co.nz
Hosted on Acast. See acast.com/privacy for more information.
Rate increases, or daylight robbery?
Join Nick Stewart, CEO and financial advisor at Stewart Group, and Tim Ewen, risk insurance manager, as they delve into the pressing issue of local authority rates in New Zealand. In this episode, Nick shares insights on the rates crisis, discussing the financial challenges faced by local councils and their impact on residents.
The conversation covers the reasons behind rising council rates, their contribution to national inflation, and the broader economic implications. Nick and Tim also explore the accountability of councils, the need for fiscal prudence, and the importance of voter engagement in local elections.
Tune in to gain a deeper understanding of how local government decisions affect your finances and what you can do to advocate for responsible spending.
Read the full 'Rates Crisis' article HERE
Important Time Stamps:
The Adviser Talk is available on all popular streaming platforms, including Spotify and Apple Podcasts.
Nick Stewart is a Financial Adviser and CEO at Stewart Group, a Hawke's Bay and Wellington-based CEFEX-certified financial planning and advisory firm. Stewart Group provides personal fiduciary services, Wealth Management, Risk Insurance & KiwiSaver solutions.
The information provided, or any opinions expressed in this show, are of a general nature only and should not be construed or relied on as a recommendation to invest in a financial product or class of financial products. You should seek financial advice specific to your circumstances from an Authorised Financial Adviser before making any financial decisions. A disclosure statement can be obtained free of charge by calling 0800 878 961 or visit our website, www.stewartgroup.co.nz
Hosted on Acast. See acast.com/privacy for more information.
You can't bank time for later - you've got to use it today.
That's the key message from our latest podcast, where Brent Allcock, our Financial Adviser from the Wellington office, discusses why procrastination can negatively impact your financial security. With Kiwis feeling the pressure from rising costs, he provides practical tips to take control of your finances.
When it comes to managing your money, taking action today is far better than waiting until tomorrow. Don’t let procrastination erode your financial well-being.
⏰ Important time-stamps
(01:09) Do we really have time when it comes to finances?
(01:29) Reflections on time, money and the importance of acting now
(02:36) Budgeting tips and lifestyle adjustments
(05:12) The need for planning
(06:51) Mindset shift
(09:02) Rising living costs and planning for retirement
(12:44) Are people reconsidering investing during uncertain times?
(14:33) Kiwisaver performance and diversified portfolios
(16:35) Brent’s top tip
The Adviser Talk is available on all popular streaming platforms, including Spotify and Apple Podcasts.
Hosted on Acast. See acast.com/privacy for more information.
Just like modern cars come equipped with essential safety features, your investment portfolio should be built with protection in mind.
In this episode, our General Manager and Financial Adviser, Rory O’Neill, joins host Tim Ewen, our Risk Insurance Manager and avid car enthusiast, to explore how the safety systems in today’s vehicles mirror the protective strategies found in smart investment portfolios.
Think about it: you wouldn’t put your family in an unsafe vehicle, so why risk your financial future with an unprotected investment strategy?
If you would like to read the article by Nick Stewart, our CEO and Financial Adviser, here is the link: https://www.stewartgroup.co.nz/we-love-to-write/modern-protection-in-vehicles-and-investments
⏰ Important time-stamps
(02:14) Introduction
(2:31) Car safety vs. investment portfolios
(5:43) The role of Financial Advisers
(6:53) Early warning systems in vehicles and investment portfolios
(10:30) Quality and protection go hand-in-hand
(12:14) Trust the experts
(14:06) Behind the scenes: Portfolio Protection
(15:31) Fee transparency and custodial services
(17:18) Adaptive cruise control vs. portfolio management
(18:38) Accident alerts vs. limit break reports
(19:40) Rory's car choice
(20:41) Key message from Rory on portfolio management
The Adviser Talk is available on all popular streaming platforms, including Spotify and Apple Podcasts.
Hosted on Acast. See acast.com/privacy for more information.
In today’s financial landscape, it’s easy for investors to get caught up in popular catchphrases like “They're not making any more land” or “Buy the dip”.
Bruce Jenks, our Financial Adviser from our Hastings office, warns that when these phrases replace critical thinking, investors may make decisions based on hype instead of fundamental market truths.
Catchphrases can be appealing, but they often oversimplify complex decisions and overlook individual circumstances. Successful investing requires discipline that goes beyond catchy phrases.
Check out the article by our CEO, Nick Stewart, that was published in Hawke’s Bay Today and NZ Herald Online: When Catchphrases Replace Common Sense: The Dangerous Allure of Investment Folklore
⏰ Important time-stamps
(1:53) Introduction
(3:26) Catchphrase: "Don't put all your eggs in one basket"
(4:15) Diversification explained
(6:00) Marketing & promotion of investments
(7:51) Investing in bricks and mortar
(8:41) Catchphrase: "They're not making any more land"
(9:37) Catchphrase: "Time in the market beats timing the market"
(10:57) Why you should talk to your financial adviser instead of reacting to headlines
(15:16) Financial advice isn’t one-size-fits-all
(16:22) Catchphrase: "Buy the dip"
(18:07) Role of Stewart Group
(19:49) Does Stewart Group take a long-term view in financial planning?
(20:38) What it means to be fiduciary advisers at Stewart Group
The Adviser talk is also available on Spotify and Apple Podcast.
Hosted on Acast. See acast.com/privacy for more information.
The government has rolled out the biggest KiwiSaver shake-up in years, and it's going to impact everyone from teens to top earners.
These adjustments could influence your retirement savings. If you’re curious about how they might affect your plans, check out this podcast where Tim Ewen chats with our Financial Adviser, Paula Enticott. They discuss the recent changes to KiwiSaver announced by the government and its potential impact.
You can also read her blog on this topic: KiwiSaver Changes in Budget 2025: What This Means for Your Retirement
⏰ Important time-stamps
(1:18) Introduction
(2:10) KiwiSaver changes and the impact
(2:59) Retirement mindset in New Zealanders
(4:21) Changes introduced in the 2025 budget
(05:05) Increase in employer contribution
(05:48) Benefits for younger Kiwis entering the workforce
(6:22) Should employers be concerned about increased employer contributions?
(07:23) Government contribution update
(08:30) ACI Funds in Financial Planning
(11:17) ACI Funds investment options
(12:27) ACI Funds investment strategy and policy
(13:15) Unsure about your KiwiSaver scheme?
(14:36) Connect with Stewart Group
The Adviser talk is also available on Spotify and Apple Podcast.
Hosted on Acast. See acast.com/privacy for more information.
In this episode, Nick Stewart, our CEO and Financial Adviser, takes a deep dive into the 2025 Budget delivered by Finance Minister Nicola Willis.
From proposed KiwiSaver changes to pay equity adjustments, the budget has sparked plenty of discussion—and concern. Nick unpacks the key elements, explores the challenges ahead and asks the big question: Is this truly a “Growth Budget,” a bold step forward, or just wishful thinking?
Don’t miss Nick’s article featured in Hawke’s Bay Today and the NZ Herald Online: Budget 2025: King Canute's Economic Delusion
⏰ Important time-stamps
(1:01) Introduction
(02:05) Nick’s economic insights were mentioned on NewsTalk ZB during a conversation between PM Christopher Luxon and Mike Hosking
(02:51) Nick’s take on the 2025 New Zealand Budget
(04:46) Is this truly a “growth” budget?
(7:13) Productivity for Tradies
(8:45) Broader thoughts on productivity and efficiency
(12:13) NZ Budget 2025: “Robbing Peter to pay Paul”?
(15:24) Impacts of KiwiSaver changes
(24:14) Cuts made to pay parity and other areas
(28:51) Lessons from King Canute
(30:48) Where can you find Stewart Group
The Adviser Talk is available on all popular streaming platforms, including Spotify and Apple Podcasts.
Hosted on Acast. See acast.com/privacy for more information.
In this episode, Brent Allcock, our Financial Adviser at Stewart Group in Wellington, reminds us that some of the most powerful financial lessons often come from Mums!
Research consistently shows that women tend to make smarter investment decisions. They’re more likely to:
So, what can we learn from the timeless wisdom of “Mum knows best” when it comes to money? Tune in to the podcast to find out!
Check out the article by our CEO, Nick Stewart, that was published in Hawke’s Bay Today and NZ Herald Online: "Mum Knows Best: Financial Lessons from Our Mothers."
⏰ Important time-stamps
(1:01) Introduction
(4:12) Mums & Financial lessons
(5:59) Budgeting that stood the test of time
(8:04) Why women are better investors
(9:07) The right way to approach joint financial planning
(11:29) Estate planning and joint accounts
(13:05) Importance of joint ownership in insurance policies
(14:43) Investing as a shared journey for couples
(16:58) Do women get the credit they deserve for managing finances?
(17:59) Brent's role as a financial coach
(19:55) Brent’s key message for aspiring financially savvy individuals
The Adviser Talk is available on all popular streaming platforms, including Spotify and Apple Podcasts.
Follow Stewart Group on Facebook for the latest updates and articles from our team of expert financial advisers. Looking to get your financial house in order, and keep it that way? We can help.
Hosted on Acast. See acast.com/privacy for more information.
In this episode, we are joined by Bruce Jenks, our Financial Adviser at Stewart Group, who shares valuable insights on legacy planning.
Legacy planning goes beyond simply writing a will, it involves ensuring that your assets are distributed according to your wishes and protecting the people you care about most. Procrastinating on this important task can lead to unnecessary complications for those you leave behind.
It's important to remember that legacy planning is not just for the wealthy or the elderly. Your legacy deserves your attention and proactive action—don’t leave it to chance.
📖 Want to dive deeper? Read an article on this topic by our CEO and Financial Adviser, Nick Stewart: Legacy Planning: Preparing for Tomorrow Today
⏰ Important time-stamps
(1:00) Introduction.
(02:02) Legacy planning explained.
(02:18) Understanding Enduring Power of Attorney (EPA).
(3:24) Is legacy planning only for the elderly or wealthy?
(04:32) Risks of not having a will or an Enduring Power of Attorney.
(07:58) Transferring physical assets smoothly.
(10:49) The role of an executor & choosing the right one.
(12:27) How trusts fit into legacy planning.
(13:17) What is a Memorandum of Wishes (MOA)?
(14:56) Bruce’s recommendation on how to get started with legacy planning.
(17:13) Who to contact for help and guidance?
(18:30) Why estate plan is essential?
(19:35) Finding Stewart Group.
The Adviser talk is also available on Spotify and Apple Podcast.
Hosted on Acast. See acast.com/privacy for more information.
In this episode, Tim Ewen has a chat with Rory O'Neill, our Director and Financial Adviser, about why financial planning matters, especially when markets are shaky.
At Stewart Group, we believe everyone should have a plan for their financial future, regardless of where they are in life. Whether you're kicking off your career or gearing up for retirement, our team is here to guide you through the highs and lows of your financial journey.
Don't let market fluctuations keep you up at night – stick to your plan and let us work behind the scenes to make the most of your investments.
⏰ Important time-stamps
(1:05) Introduction
(01:56) Tariffs and their impact on Kiwis
(03:02) Market dips - a buying opportunity?
(04:37) Long-term financial planning
(06:19) Human behaviour during volatility
(06:59) Reassurance for KiwiSaver clients
(08:13) KiwiSaver and easte planning
(9:22) Is budgeting a part of financial planning?
(10:55) Is financial planning a complex process?
(11:47) Key areas to understand for a smooth financial future
(13:04) The FOMO effect and materialism
(14:27) Engaging with Stewart Group
(14:43) ACI Funds account for children
(14:55) Risk insurance & financial planning
(16:20) Stick to your plan!
(16:49) Finding Stewart Group
If you'd like to read Rory's blog, Trump's Tariff Gamble: What It Means for New Zealand. Here's the link to it: https://bit.ly/3GzJxQX
The Adviser Talk is available on all popular streaming platforms, including Spotify and Apple Podcasts.
Hosted on Acast. See acast.com/privacy for more information.
Date of recording this podcast: 1st April 2025
In these uncertain economic times, New Zealanders need to understand tariffs and trade wars to prepare for what lies ahead.
In this podcast, Tim Ewen, our Risk Insurance Adviser, sits down with Nick, our CEO and Financial Adviser, to discuss the implications of tariffs implemented by the US President, Donald Trump, and how they can affect New Zealand. They also explore strategies for navigating this volatile environment to ensure survival and success.
Tune in to gain a clearer understanding of tariffs and trade wars. A better grasp of these topics will lead to more informed decision-making.
⏰ Important time-stamps
((01:01) Introduction
(03:27) What are tariffs, and why are they implemented?
(05:57) Are Donald Trump's tariffs a short-term solution with no long-term benefits?
(07:13) Is it a good idea that Trump has introduced tariffs on a wide range of countries?
(09:33) What do Trump's tariff decisions mean for Aotearoa, New Zealand?
(10:39) What challenges will New Zealand face?
(14:34) Donald Trump's impact on mortgages in New Zealand
(17:01) Is Trump leading us back to mercantilism?
(21:54) Nick's two cents on what to do during tough economic times
(24:54) How can Stewart Group help?
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