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.

• 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 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.

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.

• 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 Group

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.

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 gains
• Set ego aside when making financial choices
• Seek advice when needed

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.

• 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 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.

• 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 2025

In 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/4jeNHfF

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.