It's No Secret Catherine Emerson & Christine Jensen

Today on the podcast we are joined by Chelsea Traver, Founder & Investment Adviser at Evergreen Advice.

Chelsea brings over a decade of experience in the financial space and has a strong background in investment analysis, specialising in Fixed Interest and Socially Responsible Investing. After years of working as an investment analyst, she shifted her focus to working directly with clients, helping them reach their financial goals.

She's particularly passionate about helping women and new investors learn about investing. And is a big believer in the importance of putting financial concepts into plain language to give people peace of mind about how their money is being invested.
Specifically, we chat about:
What money lessons she learnt from her family growing up The key cultural differences with money specifically in the US vs NZWhat it was like graduating with a degree in finance right after the Global Financial CrisisHow Chelsea made the move from an investment analyst to an investment advisorWhy she has chosen to specialise in ethical/sustainable investing and what factors she considers with investmentsLearn more about Chelsea and Evergreen Advice: evergreenadvice.co.nz
If you enjoyed today's show, we'd LOVE for you to rate & review it on Apple Podcasts and share your favourite episode with a friend.

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Got questions? Get in touch: www.itsnosecret.co.nz

What are the common money misconceptions you've heard before? In this episode, we're bunking a few that we believe don't always stand true.

It's #MoneyMonth in NZ during August; A yearly campaign run by Te Ara Ahunga Ora Retirement Commission (Sorted NZ). Money Month helps Kiwis maximise their money in a way that’s relevant in the current climate.

To celebrate, we're debunking the money myths that might be taking up valuable brain space. All so you can pause, and get your money sorted. 
In this episode, we chat about:
Why you don't need to feel bad about your weekly treats, especially those $5.50 coffees!If investing in property is *really* the 'best' way to build your wealth in NZWhy old financial timelines that worked for your parents/grandparents probably won't work for you in this day and ageWhether side hustles are worth the time investment or not Why you don't need hundreds of thousands of dollars to get started investingCheck out the resources mentioned during the episode:
Stuff Article Price of CoffeesEvergreen Advice Article: Are Rental Properties Still Worth It?PEW Research: Why People in Their 20s Aren't Reaching Financial Milestones as Fast as Boomers DidFor clarity, here are the specific stats mentioned in the podcast:
Property Price Returns - 6.25% Price Returns (as at 31.07.23)S&P NZX 50 Index 10-year annualised return - 6.57% (as at 1.08.23)If you enjoyed today's show, we'd LOVE for you to rate & review it on Apple Podcasts and share your favourite episode with a friend.

SUBSCRIBE to It's No Secret, wherever you listen to podcasts and never miss an episode: Apple Podcasts - Spotify

Follow us for fun chat & financial tidbits on IG: @itsnosecretnz
Got questions? Get in touch: www.itsnosecret.co.nz

As Kiwis, we’re savers at heart. Generally speaking, we tend to rely on savings accounts to grow your short-term money. But are there investment funds that might also be suitable for getting you to the same goals? 
*Cash Funds enter the room* 
The funds that Cat reckons are getting a glow-up in 2023. 
So what are these types of funds, why use them and how do they compare to savings accounts? We cover all this and more in this episode. 
Specifically, we chat about: 
Differences in cash availability, fees, estimated returns and more, when looking at on-call accounts, notice-saver accounts, term deposits, and cash fundsThe relationship between the Official Cash Rate (OCR), interest rates and cash fundsWhether conservative, cash and defensive funds are the same thingWhy tax matters when deciding between cash funds & savings accountsCheck out the resources mentioned during the episode: 
Interest.co.nz - interest rate comparisonFMA - asset allocation within funds If you enjoyed today's show, we'd LOVE for you to rate & review it on Apple Podcasts and share your favourite episode with a friend.

SUBSCRIBE to It's No Secret, wherever you listen to podcasts and never miss an episode: Apple Podcasts - Spotify

Follow us for fun chat & financial tidbits on IG: @itsnosecretnz
Got questions? Get in touch: www.itsnosecret.co.nz

Recently, Kernel hosted an event in collaboration with Lighthouse Financial, Haigh Lyon, and Edwards & Co. all about the exciting world of investing for your family. And one of the panellists in this event actually happens to be our very own co-host, Cat!

Tune into this special episode as Cat adds her unique insights on how parents can set their families up for success. We were also lucky to have James Blair, the Wealth Director at Lighthouse Financial, and Shaun McGivern, the Principal Lawyer at Haigh Lyon, sharing their expert insights too. 
Specifically, we speak about:
Why investing in a will is incredibly important for your children and loved ones, especially if something unexpected happensWays for parents to encourage great money habits for their kids through using investing accounts and rewarding good money behavioursThe importance of transparency with finances when it comes to your kids during good times and badWhy using simple money habits such as starting early and consistently can really go a long way when it comes to creating wealth for your familyA few ideas and scenarios that you can think about when it comes to protecting and managing your wealthLearn more from our partners:
Lighthouse Financial: https://lighthousefinancial.co.nz/contact-us/Haigh Lyon Lawyers: https://haighlyon.co.nz/contactEdwards and Co: https://edwardsandco.nz/products/oliveIf you enjoyed today's show, we'd LOVE for you to rate & review it on Apple Podcasts and share your favourite episode with a friend.

SUBSCRIBE to It's No Secret, wherever you listen to podcasts and never miss an episode: Apple Podcasts - Spotify

Follow us for fun chat & financial tidbits on IG: @itsnosecretnz
Got questions? Get in touch: www.itsnosecret.co.nz

On today’s podcast, we're back at it again with Insurance Specialist & Financial Adviser, Carley Ellis to dive into the financial side of all things unfortunate.

If you haven't listened to part one, stop right now and go back to our previous episode. It's one not to miss. Plus this podcast will probably make a little more sense after listening to the first one.

Specifically, we cover:
The different types of insurance that are available for you to consider and which cover specific eventsWhy thinking from the insurer's point of view can help you better understand how the insurance system worksWhich lifestyle factors (e.g. smoking) and events are considered in insurance premiums and how much more this can cost you if you're getting insuranceThe green and red flags you should watch out for when partnering up with a financial advisor for insuranceThings to consider when you are moving to a different financial advisorIf you enjoyed today's show, we'd LOVE for you to rate & review it on Apple Podcasts and share your favourite episode with a friend.

SUBSCRIBE to It's No Secret, wherever you listen to podcasts and never miss an episode: Apple Podcasts - Spotify

Follow us for fun chat & financial tidbits on IG: @itsnosecretnz
Got questions? Get in touch: www.itsnosecret.co.nz

On today’s podcast, we're joined by Insurance Specialist & Financial Adviser Carley Ellis to dive into the financial side of death. 

As a topic that isn't often openly talked about, today we have an honest chat about ensuring the cost of death - those around you, and yours - don't lead to having a large impact on your situation, particularly in a time of grieving.  

Specifically, we speak about:
Why we're not talking about money and death, but need to! What happens to your assets when you pass awayWhy having a will and enduring power of attorney (EPA) is so importantLife insurance: What's the right type, the right amount to insure for, and what parties involved - policy owner vs the insuredHow ACC can help in the case of death by accident and the type of assistance available to the surviving spouse and kidsFunerals – how much do they cost and what are the options?Things to consider and questions to ask when it comes to life insurance and how a financial advisor can help.If you enjoyed today's show, we'd LOVE for you to rate & review it on Apple Podcasts and share your favourite episode with a friend.

SUBSCRIBE to It's No Secret, wherever you listen to podcasts and never miss an episode: Apple Podcasts - Spotify

Follow us for fun chat & financial tidbits on IG: @itsnosecretnz
Got questions? Get in touch: www.itsnosecret.co.nz