The Wealth Guide Podcast

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.

The Wealth Guide Podcast is a business podcast hosted by Ray Regmi, with 72 episodes on record and a Required Pod Score of 80.

Ray Regmi hosts The Wealth Guide Podcast, a business show with 72 episodes published.

Our AI reads these to draft pitches. Use them as grounding for a pitch that cites a real guest and a specific topic.

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  Episode #71

  Business Wealth Is Not Personal Wealth | Ep. 71

  Sep 17, 202646 minS1

  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 ────────────────────────────────── Business wealth is not the same as personal wealth — and for many business owners, that distinction can become very real when it is time to exit. In this episode of The Wealth Guide Podcast, the team is joined by Andrew Jeffers from Shuriken Consulting, alongside Ray Regmi and Jack Oineza, to unpack why business owners need to think carefully about succession, sale, retirement, and personal wealth outside the business. The conversation explores why many SME owners assume their business will one day fund their retirement, what can happen when a business does not sell for the expected value, and why revenue, profit, cash flow, and realised value are not the same thing. They also discuss the importance of understanding your numbers, separating business and personal finances, planning for tax, super, CGT, key person risk, buy-sell agreements, and creating a strategy before retirement or succession becomes urgent. Whether you own a business, work with business owners, or are starting to think about your future exit, this episode is a reminder that a business can be powerful, but personal wealth is what creates options, security, and life beyond the business. ────────────────────────────────── SHOW NOTES LINKS Malissa Vourakis - https://www.linkedin.com/in/malissa-vourakis-79066a67/ Andrew Jeffers - https://au.linkedin.com/in/andrewjeffers Ray Regmi - https://www.linkedin.com/in/ray-regmi-3a267539/ 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: Business wealth is not personal wealth 01:12 – Is your business your income, asset, and retirement plan? 02:04 – Why succession and exit planning cannot wait 05:51 – Revenue, profit, cash flow, and business value explained 06:38 – Sales are vanity, profit is sanity, cash flow is reality 07:00 – The five numbers every business owner should know 12:28 – Separating personal wealth from business wealth 15:36 – Why business value and realised value are different 21:48 – How to extract and diversify wealth from the business 33:12 – Succession planning, key person risk, and buy-sell agreements ────────────────────────────────── 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 #BusinessWealth #BusinessOwners #SuccessionPlanning

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  Episode #70

  What happens if your income stops? | Episode 70

  Sep 14, 202642 minS1

  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 happens if your income suddenly stops — and how long could everything in your life keep going? In this episode of The Wealth Guide Podcast, the team is joined by Nick Chong from RateSeeker and Ardent Capital, alongside Ricky Regmi and Dean Desoukey, to unpack one of the most overlooked parts of financial planning: personal insurance. The conversation explores why so many Australians insure their car, home, and contents but often overlook the asset that makes everything else possible — their income. From income protection and life insurance to TPD, trauma cover, default super insurance, and key person insurance for business owners, the team breaks down why cover should not be treated as a set-and-forget product. They also discuss the common misconceptions people have about insurance inside super, why default cover may not be enough, how affordability and cash flow should be considered, and why getting the right advice can make a major difference when it comes to policy structure, disclosure, and claims. Whether you have a mortgage, a family, a business, or people financially depending on you, this episode is a reminder that the right question is not simply “Do I have insurance?” — it is “If my income stopped tomorrow, how long could everything continue?” ────────────────────────────────── SHOW NOTES LINKS Malissa Vourakis - https://www.linkedin.com/in/malissa-vourakis-79066a67/ Nick Chong - https://au.linkedin.com/in/nick-chong-6ab64a71 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 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: What happens if your income stops? 01:03 – Why Australians insure cars but overlook income protection 03:04 – Why brokers should talk about insurance with clients 05:35 – Income protection, TPD, trauma, and life insurance explained 06:05 – Why default insurance inside super may not be enough 09:27 – Is the issue affordability, cost, or lack of education? 13:45 – Why savings, redraw, and relying on a spouse may not be enough 17:18 – How insurance supports families during serious illness or injury 22:11 – Insurance considerations for business owners and sole traders 27:33 – Why advice matters when choosing policies and making claims ────────────────────────────────── 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 #FinancialAdvice #IncomeProtection #LifeInsurance

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  Episode #69

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

  Aug 24, 202640 minS1

  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

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  Episode #68

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

  Aug 7, 202643 minS1

  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.

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  Episode #67

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

  Jul 28, 202643 minS1

  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.

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