The Wealth Guide Podcast

Hosted by Ray Regmi

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Aug 2026

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About the show

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.

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August 24, 2026Episode 6939 min

Property After the Budget: What Still Works? | Ep.69

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 ────────────────────────────────── Has negative gearing really been abolished? Should property investors rush to sell before the rules change? And does a new build automatically make more sense than an established property? In this episode of The Wealth Guide Podcast, host Malissa Vourakis is joined by Ryker's Ray Regmi and Jack Oineza, together with Sarah Pyke, Founder of Bond Financial, to separate the headlines from the detail and unpack what Australia's changing property and tax landscape could mean for investors. The key takeaway throughout is a simple one: understand how the rules apply to your situation, and get coordinated advice from your financial adviser and accountant before making a move — decisions should start with your long-term goals, not fear or noise. Whether you're holding an investment property, weighing up your first one, or reviewing how your portfolio is structured, this episode cuts through the headlines and focuses on what still works. ────────────────────────────────── SHOW NOTES LINKS Malissa Vourakis - https://www.linkedin.com/in/malissa-vourakis-79066a67/ Ray Regmi - https://www.linkedin.com/in/ray-regmi-3a267539/ Jack Oineza - https://www.linkedin.com/in/jackoineza/ Sarah Pyke - https://www.linkedin.com/in/sarah-pyke-31a98325/ ────────────────────────────────── LISTEN TO THE PODCAST Spotify: https://open.spotify.com/show/5Q3irgh3XS6DLP6rc9gp1M?si=deb08e82455e46cf 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. #Ryker #WealthGuidePodcast #PropertyInvestment #NegativeGearing #AustralianProperty

August 7, 2026Episode 6842 min

What People Get Wrong About Financial Advice – And What Good Advice Looks Like | Ep.68

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 ────────────────────────────────── What does good financial advice actually look like — and why do so many people wait too long before seeking it? In this episode of The Wealth Guide Podcast, the team is joined by Tony Pelosi from WT Financial Group, alongside Ricky Regmi and Jack Oineza, to unpack one of the biggest misconceptions in the industry: that financial advice is only for wealthy people or those approaching retirement. The conversation explores why so many Australians delay getting advice, what people often misunderstand about the role of a financial adviser, and why great advice is about far more than investments, products, or superannuation. From cash flow and wealth-building to life planning, tax strategy, business structures, and retirement readiness, the team discusses why financial advice should be viewed as an ongoing relationship rather than a one-off transaction. They also unpack what a good adviser-client relationship should feel like, why trust and communication matter, and how professional guidance can help uncover opportunities, reduce costly mistakes, and provide clarity at every stage of life. Whether you're just starting your financial journey, running a business, preparing for retirement, or simply wondering if financial advice is right for you, this episode highlights why getting the right guidance early can make all the difference. ────────────────────────────────── SHOW NOTES LINKS Malissa Vourakis - https://www.linkedin.com/in/malissa-vourakis-79066a67/ Tony Pelosi - https://www.linkedin.com/in/antonio-tony-pelosi-a83b9573/ Ricky Regmi - https://www.linkedin.com/in/rajiv-ricky-regmi-cpa-943694213/ Jack Oineza - https://www.linkedin.com/in/jackoineza/ ────────────────────────────────── LISTEN TO THE PODCAST Spotify: https://open.spotify.com/show/5Q3irgh3XS6DLP6rc9gp1M?si=deb08e82455e46cf 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 ────────────────────────────────── TIMESTAMPS 00:00 – Introduction 00:50 – What people get wrong about financial advice 01:58 – Why people delay seeking advice 03:34 – Common misconceptions about financial advisers 06:02 – The counsellor and relationship manager role of an adviser 09:37 – Why financial advice is more than an individual journey 10:54 – Why advice isn't just for retirement or wealthy people 14:24 – The industry's perception problem and changing education standards 15:52 – What good financial advice should actually feel like 19:19 – Strategy-led advice versus product-led advice 22:55 – Why ongoing advice matters as life evolves 24:08 – When financial advice becomes relevant 26:14 – Real-life case study: uncovering hidden opportunities 29:31 – DIY finance, AI, and the value of professional guidance 32:00 – Questions people are often afraid to ask 34:29 – Advice for young professionals, business owners, and pre-retirees 40:40 – Final takeaways and closing thoughts ────────────────────────────────── 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.

July 28, 2026Episode 6743 min

When Headlines Shake Markets: What It Means to Investors & Financial Decision Makers | Ep.67

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 ────────────────────────────────── When markets move, headlines explode — but should investors really panic? In this episode of The Wealth Guide Podcast, the team is joined by David Boyle from Ascalon Capital to unpack how global headlines, geopolitical conflict, inflation, oil prices, and market volatility impact investors, households, and financial decision-making. From rising petrol prices and interest rate pressure to market corrections, emotional investing, and long-term wealth creation, this episode explores why reacting emotionally to headlines can often create more damage than the market movement itself. The conversation dives into the psychology of investing, why volatility is a normal part of markets, how investors can stay focused during uncertain times, and the importance of having the right strategy, timeframe, and financial guidance in place. Whether you’re an investor, homeowner, retiree, or simply trying to navigate today’s economic uncertainty, this episode highlights how to separate fear from facts and make measured financial decisions during volatile times. ────────────────────────────────── SHOW NOTES LINKS Malissa Vourakis - https://www.linkedin.com/in/malissa-vourakis-79066a67/ David Boyle - https://www.linkedin.com/in/david-boyle-37969459/ Dean Desoukey - https://www.linkedin.com/in/dean-desoukey/ Ricky Regmi - https://www.linkedin.com/in/rajiv-ricky-regmi-cpa-943694213/ ────────────────────────────────── LISTEN TO THE PODCAST Spotify: https://open.spotify.com/show/5Q3irgh3XS6DLP6rc9gp1M?si=deb08e82455e46cf 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 ────────────────────────────────── TIMESTAMPS 00:00 – Introduction 00:55 – Why global headlines are shaking markets 01:52 – The Strait of Hormuz and why oil matters 03:24 – How fear drives investor reactions 04:42 – Lessons from the GFC and market recoveries 06:04 – Why long-term investing still matters 07:07 – How oil prices impact the Australian economy 09:10 – Why markets react before crises fully unfold 10:03 – Understanding volatility vs actual losses 11:56 – Different impacts on retirees and investors 14:39 – The danger of panic selling investments 16:18 – Why this conflict impacts markets differently 18:36 – Market downturns creating investment opportunities 20:20 – What happened during COVID market volatility 21:43 – Why emotional reactions can create bigger losses 24:05 – Education, perspective, and investor confidence 25:45 – Inflation, petrol prices, and interest rates 27:29 – What a measured financial response looks like 28:24 – The importance of ongoing financial advice 31:17 – Why most headlines are just noise 32:29 – What people should NOT do during market volatility 34:03 – Key takeaways for investors and households 37:58 – Market predictions and portfolio positioning 39:40 – Trump, global politics, and market scenarios 41:21 – Final thoughts and closing takeaways ────────────────────────────────── 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.

July 24, 2026Episode 6642 min

The Financial Gaps That Show Up – And What Brokers Should Look for | Ep. 66

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 ────────────────────────────────── End of financial year isn’t just about tax time — it’s about identifying the financial gaps that quietly cost people money, opportunities, and long-term progress. In this episode of The Wealth Guide Podcast, the team is joined by Gabrielle Micah from Finance Co and Charlie Unan, State Manager NSW of the FBAA, to unpack the conversations brokers, advisers, and business owners should be having well before June 30 arrives. From cash flow, tax planning, and diversification to financial literacy, referral partnerships, and identifying missed opportunities, this episode explores why waiting until the last minute often creates unnecessary pressure and poor financial outcomes. The conversation dives into why end of financial year should be treated as a checkpoint instead of a starting point, how brokers can create stronger client relationships by looking beyond the transaction, and why collaboration between accountants, brokers, advisers, and specialists creates better long-term results. Whether you’re a business owner, investor, broker, or simply trying to improve your financial position, this episode highlights the importance of asking better questions, planning earlier, and building the right support network around you. ────────────────────────────────── SHOW NOTES LINKS Malissa Vourakis - https://www.linkedin.com/in/malissa-vourakis-79066a67/ Gabriel Mikha - https://www.linkedin.com/in/gabriel-mikha-15727979/ Jack Oineza - https://www.linkedin.com/in/jackoineza/ Charlie Younan - https://www.linkedin.com/in/charlie-younan-989734135/ ────────────────────────────────── LISTEN TO THE PODCAST Spotify: https://open.spotify.com/show/5Q3irgh3XS6DLP6rc9gp1M?si=deb08e82455e46cf 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 ────────────────────────────────── TIMESTAMPS 00:00 – Introduction 01:08 – Why EOFY conversations happen too late 03:03 – Tax planning vs financial optimisation 05:22 – Why March and April are critical planning months 07:29 – Missed opportunities brokers should identify earlier 10:08 – Why diversification matters for brokers and clients 14:01 – Optimisation strategies beyond tax deductions 15:39 – The biggest education gap in the industry 18:45 – Referral partnerships and protecting clients properly 21:30 – Passive income and long-term business sustainability 24:17 – The biggest gaps business owners overlook 29:03 – Financial literacy and the next generation 33:42 – Building the right support network around you 36:45 – Practical EOFY strategies people can apply now 39:20 – Why asking questions creates better financial outcomes 40:43 – Final takeaways and closing thoughts ────────────────────────────────── 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.

July 24, 2026Episode 6541 min

Financial Activity Isn't the Same as Financial Progress | Ep.65

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 ────────────────────────────────── Financial activity can make you feel busy, organised, and on top of things — but that doesn’t always mean you’re actually moving forward. In this episode of The Wealth Guide Podcast, the team is joined by Gabriel Mikha from Finance Co to unpack why so many high-income households still feel like they’re behind, even when they look great on paper. From lifestyle creep and scattered debt to unclear goals, poor structure, and money moving without a real plan, this episode explores the difference between simply “doing things” financially and creating genuine progress. The conversation dives into why earning more doesn’t automatically build wealth, how small inefficiencies can quietly hold people back, and why structure, clarity, and regular reviews can make all the difference. Whether you’re earning well but not seeing the progress you expected, or you feel like your finances are active but not aligned, this episode is a reminder that movement is not the same as momentum. ────────────────────────────────── 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/ ────────────────────────────────── LISTEN TO THE PODCAST Spotify: https://open.spotify.com/show/5Q3irgh3XS6DLP6rc9gp1M?si=deb08e82455e46cf 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 YouTube: https://bit.ly/3rsKxPG ────────────────────────────────── CONTACT US hello@rykercapital.com.au Client Enquiries: 1300 179 537 Careers & Press: 1300 179 537 ────────────────────────────────── TIMESTAMPS 00:00 – Introduction 00:49 – Financial activity vs financial progress 01:30 – Why high-income households still feel behind 03:20 – The importance of structure and financial clarity 04:13 – Why annual reviews matter 06:13 – Using strategy instead of simply doing more 09:35 – When moving the needle is actually progress 13:38 – Why financial decisions need to connect 16:09 – The bucket strategy explained 18:45 – Cash flow, lifestyle creep, and adapting with the times 20:12 – What a well-organised household looks like 22:38 – Structuring loans with purpose 27:01 – Planning for risk and protecting progress 30:06 – Week-to-week cash flow and lack of structure 33:15 – Perception vs reality in financial success 39:10 – Final advice from the team ────────────────────────────────── 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.

June 30, 2026Episode 6443 min

Co-Buying Property – Smart Shortcut or Financial Time Bomb? | Ep. 64

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.

June 25, 2026Episode 6343 min

Super, Timing & Strategy - What Most People Get Wrong | Ep. 63

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.

June 25, 2026Episode 6234 min

When the technology gets smarter, what still makes human advice matter? | Ep. 62

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.

June 18, 2026Episode 6142 min

Legacy Without the Fallout: How to Pass Wealth the Right Way | Ep. 61

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 ────────────────────────────────── Building wealth is one thing. Passing it on well is something else entirely. In this episode of The Wealth Guide Podcast, the team is joined by Ahmed Hussain from ABH Lawyers, alongside Jack and Ray Regimi, for a conversation around one of the most important — and most avoided — parts of financial planning: legacy. Not just who gets what, but how to pass wealth on with clarity, fairness, and structure so it does not unravel into conflict later. The discussion explores why so many families avoid talking about wills, estate planning, and wealth transfer until it is too late, and what can happen when those conversations are left unspoken. From blended families and beneficiary disputes to superannuation, tax consequences, executors, and the risks of DIY wills, this episode highlights just how much is at stake when estate planning is treated as an afterthought. It also looks at the deeper side of the issue — the emotional meaning behind inheritance, the misunderstandings that can grow in silence, and why a well-written document alone is not always enough. Clear communication, regular updates, and the right advice around your legal and financial structures can make all the difference between a legacy that protects the family and one that divides it. If you’ve built wealth and want to make sure it lands where it should, in the right way, this episode is a powerful reminder that legacy planning is not only about assets — it is about intention, clarity, and the people you leave behind. ────────────────────────────────── SHOW NOTES LINKS Malissa Vourakis - https://www.linkedin.com/in/malissa-vourakis-79066a67 Ahmad Hussein - https://www.linkedin.com/in/ahmad-hussein-6b317314a Jack Oineza - https://www.linkedin.com/in/jackoineza Ray Regmi - https://www.linkedin.com/in/ray-regmi-3a267539 ────────────────────────────────── ────────────────────────────────── 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 ────────────────────────────────── 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.

June 14, 2026Episode 6037 min

The Biggest Retirement Mistake! | Ep. 60

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 ───────────────────────────────── Retirement isn’t just about reaching the finish line — it’s about making sure the next phase of life is built to last. In this episode of The Wealth Guide Podcast, the team is joined by David, Jack, and Ricky to unpack some of the most common retirement mistakes people make, and why the biggest risks often aren’t the obvious ones. From poor timing and withdrawal decisions to underestimating longevity, inflation, tax, and emotional reactions to market movements, this conversation explores the silent errors that can quietly chip away at financial confidence. The episode also breaks down the shift from accumulation to retirement income, why a “set and forget” mindset no longer works once you stop earning a regular wage, and how strategies like bucketing, liquidity planning, and realistic income expectations can help create stability through different market conditions. There’s also a strong reminder throughout the conversation that retirement planning is not something to leave until the last minute. Whether you’re decades away or getting closer to the transition, the earlier you understand what your lifestyle may cost, how long your money may need to last, and what structure you’ll need around it, the better positioned you’ll be to retire with clarity instead of uncertainty. If you’ve ever assumed retirement will simply take care of itself, this episode is a timely reminder that the best retirement outcomes are built with intention — not left to chance. ────────────────────────────────── SHOW NOTES LINKS Malissa Vourakis – / malissa-vourakis-79066a67 David Boyle – / david-boyle-37969459 Ricky Regmi – / rajiv-ricky-regmi-cpa-943694213 Jack Oineza – / jackoineza ────────────────────────────────── TIME STAMPS: 00:00 – Introduction: Retirement mistakes people don’t see coming 00:36 – Welcome to Episode 60 01:20 – Why retiring well isn’t guaranteed 03:45 – Moving from accumulation to retirement investing 04:58 – Mistake #1: Assuming the Age Pension will be enough 06:39 – Withdrawal strategy and sequencing risk 08:48 – The bucket strategy explained 12:20 – Growth assets and sitting through market drawdowns 14:14 – Longevity, aged care, and rising retirement costs 17:47 – Early super withdrawals and long-term consequences 18:32 – Fear, uncertainty, and panic decision-making 21:00 – When to start retirement planning 23:24 – Spending patterns in the first years of retirement 28:44 – Growth vs preservation in retirement 33:44 – Final advice and key takeaways ────────────────────────────────── 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 ────────────────────────────────── 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.