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. Brent Allcock is a Financial Adviser 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.
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. 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.
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. 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 and 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.
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 HERETime Stamps:Introduction and Overview00:00:59 - Introduction and overview of the podcast episodeOCR Cut and Interest Rates00:01:22 - Discussion on the ongoing downward trajectory in the official cash rate (OCR) and its impact on struggling Kiwis00:01:57 - The obsession with interest rates and their impact on mortgages, term deposits, and property investmentsInvestment Strategies and Diversification00:03:17 - Questioning past investment strategies in property and their relevance today00:03:44 - The dangers of relying solely on property for wealth generation and the importance of diversificationUnemployment and Economic Challenges00:07:13 - Addressing the rising unemployment rate and its implications00:07:39 - The impact of rising unemployment on businesses and the economyChallenges for Young Kiwis00:08:44 - Challenges young Kiwis face in home ownership and their tendency to leave the country00:09:20 - The lack of opportunities for young people in New Zealand and their decision to move overseasFinancial Planning Advice00:12:15 - Financial planning advice for different types of listenersThe 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:00:01:01 - Introduction00:01:37 - Nick shares insights from his latest article about the rates crisis00:03:26 - Explanation of local authority rates and their importance00:05:34 - Discussion on council rates as a major contributor to national inflation00:07:51 - The impact of rising council rates on residents00:12:44 - Comparison of council accountability to business accountability00:14:06 - Perceived arrogance and unaccountability of councils00:17:46 - Questions voters should ask their mayoral candidates00:23:34 - Final message to voters and the importance of asking difficult questionsThe 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 tipThe Adviser Talk is available on all popular streaming platforms, including Spotify and Apple Podcasts. Brent Allcock is a Financial Adviser 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.
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 managementThe 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.
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 GroupThe Adviser talk is also available on Spotify and Apple Podcast.Bruce Jenks (AIF, J.P.) is a Financial Adviser at Stewart Group and the Director of Stewart Group Trustee Companies, 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 article, 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 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 GroupThe Adviser talk is also available on Spotify and Apple Podcast. Paula Enticott is a Financial Adviser 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 article, 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.
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 GroupThe 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.
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:Prioritise long-term outcomes over short-term gainsSet ego aside when making financial choicesSeek advice when neededSo, 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 individualsThe 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.Brent Allcock is a Financial Adviser 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.
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. Bruce Jenks (AIF, J.P.) is a Financial Adviser at Stewart Group and the Director of Stewart Group Trustee Companies, 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 article, 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.
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 volatile.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 GroupIf 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/3GzJxQXThe 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.
Date of recording this podcast: 1st April 2025In these uncertain economic times, it's essential for New Zealanders to understand tariffs and trade wars to prepare for the future.In this episode, Tim Ewen, our Risk Insurance Manager, sits down with Nick, our CEO and Financial Adviser, to discuss the implications of tariffs imposed by U.S. President Donald Trump and how they may impact New Zealand. They also explore strategies for navigating this volatile environment to ensure both survival and success.Tune in to gain a clearer understanding of tariffs and trade wars. Having 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?If you would like to read Nick's recent article on 'Tariffs & Markets: What History Tells Us About What May Lie Ahead' here's the link to it: https://bit.ly/4jeNHfFThe 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.
In this engaging podcast episode, Tim Ewen welcomes Ann Evans, who has recently become a part of our Risk Insurance team as a Risk Paraplanner. During their conversation, they delve into various topics, including Ann's work experience in the insurance industry, working for Stewart Group, and assisting clients in navigating their risk management needs.⏰ Important time-stamps(01:01) Introduction(02:30) Ann's work experience(02:45) Her background in the financial services industry and working for the Stewart Group(03:52)Common theme amongst clients in terms of needs(05:29) Helping clients at Stewart Group(06:17) Ann's interests and hobbies(07:28) The mantra that she follows(08:10) Where to find Stewart Group 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. Ann Evans is a Risk Paraplanner 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.
The future looks challenging for residents of Hastings, who are facing a series of significant rate increases that could compound to approximately 65% over the next four years. Nick Stewart, CEO and Financial Adviser at Stewart Group, addressed this issue in his recent Canny View article: Hastings District Council: Time for Fiscal PrudenceIn this episode of The Adviser Talk, Nick sits down with Councillor and mayoral candidate Marcus Buddo, who has a background in economics, to discuss the Hastings District Council's increasing debt and the mounting burden on ratepayers.Marcus believes it's time to carefully examine council spending and concentrate on the essentials. During the podcast, they also talk about his vision for a Hawke's Bay where people can thrive.If you want to learn more about his campaign and the financial challenges facing Hastings, be sure to check out the full podcast.⏰ Important time-stamps(01:01) Introduction.(01:41) Does the public engage with Marcus on fiscal matters?(04:07) Discussion on Nick's recent Canny View article about the Hastings District Council's spending. (07:08) How do we make rates more affordable?(09:52) Council spending and fiscal prudence.(11:30) Discussion about the Frimley Pool & operational spending.(13:25) Marcus believes there should be "no sacred cows."(14:36) More about Marcus Buddo.(18:24) Priorities if elected as mayor. (21:22) Besides tourism, what other initiatives could help grow Hastings? (22:59) Vision for Hawke's Bay's futureThe 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.
As the cost of living continues to increase, carefully monitoring your finances is more crucial than ever. Brent Allcock, our Financial Adviser from the Stewart Group's Wellington branch, recently shared some practical advice on The Adviser Talk.New Zealand's economy has taken a bit of a knock lately, now sitting at 33rd out of 37 OECD countries. This highlights why we all need to take charge of our own finances and make smart choices with our money. If you're struggling to make sense of your finances in these tricky times, don't be afraid to ask for help. You can get in touch with us on 0800-878-961 or check out our website at www.stewartgroup.co.nz for professional financial advice.If you would like to read an article on this topic, here's a link to our CEO and Financial Adviser, Nick Stewart's article.: https://bit.ly/4gyjmqn⏰ Important time-stamps(1:09) Introduction to Stewart Group(2:10) The cost of living crisis in New Zealand(3:04) The need for fiscal discipline as an individual or as a household to stay afloat during the cost of living crisis(5:49) Is the younger generation suffering from FOMO (fear of missing out) when it comes to consumerism?(9:31) In the 50s, New Zealand was one of the top countries in terms of productivity, quality of life and general wellness. But we've declined quite quickly. Does productivity and fiscal discipline play a role in this decline?(10:41) Should we be concerned that New Zealand ranked 33rd out of 37 in the recent OECD ranking of global economies?(11:50) Lessons to learn from economies that were in dire economic trouble but are at the top of the OECD ranking(14:01) Being smart and wise with your money. Knowing your income sources and expenses is crucial(17:13) Brent's key words of wisdom to young listeners to make sure they are heading in the right financial pathway.(18:34) Where and how do we find Stewart Group?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. Brent Allcock is a Financial Adviser 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.
In this episode of The Adviser Talk, Bruce, our Financial Adviser, joins Tim Ewen to discuss how quickly well-laid plans can unravel when fundamental financial principles are overlooked in pursuit of easy money.Bruce emphasises the importance of discipline in financial planning, making informed choices, and managing risks effectively. He warns against allowing short-term distractions to compromise your financial future. It’s crucial to stay committed to your plan and let time and consistency work in your favour.For more insights on this topic, read Nick Stewart, our CEO and Financial Adviser’s article here: https://bit.ly/40vbHCThe Adviser talk is also available on Spotify and Apple Podcast. Bruce Jenks (AIF, J.P.) is a Financial Adviser at Stewart Group and the Director of Stewart Group Trustee Companies, 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 article, 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.
On this episode of The Adviser Talk, Rory O'Neill, our Director and Financial Adviser at Stewart Group, delves into the world of cryptocurrency, dubbing it the "new age blood diamonds."While the allure of investing in cryptocurrencies is undeniable, it's crucial to be aware of the darker aspects, particularly the risks associated with money laundering.Rory highlights the importance of staying informed and cautious as an investor in this insightful podcast.Tune in to learn more!If you'd like to read Rory's article, Crypto's Dark Side: What New Zealand Investors Need to Know. Here's the link to it: https://bit.ly/3WtjQH9The 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.
In our first podcast of the year, Nick Stewart and Ken Morrison discuss private assets in KiwiSaver - when sizzle meets reality.As KiwiSaver assets surge past $110 billion, an all-too-familiar story unfolds… Multiple KiwiSaver and general investment providers are rushing into the private asset markets.While private equity investments might offer an exciting sprint to higher returns, history suggests that the steady approach of transparent, liquid, and well-diversified portfolios often wins the long-term race.Tune in to learn more...In case you missed Nick's article, 'Private Assets in KiwiSaver: When Sizzle Meets Reality,' here's the link: https://bit.ly/4akbqHuThe 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.