The Adviser Talk

by Stewart Group
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The Adviser Talk looks at recent events and financial news through the lens of Stewart Group’s expert Financial Advisers. We cover everything from crypto-cracking hamsters to saving for retirement (and plenty of subjects in between). If you have any questions or financial topics you want us to cover on future episodes, you can simply email your requests to podcasts@stewartgroup.co.nz You’ll find CEO Nick Stewart our most frequent flyer in the hot seat – Nick is a Financial Adviser, Accredited Investment Fiduciary, and Associate Financial Planner of Financial Advice New Zealand. He is our CEO and Financial Adviser at Stewart Group and holds a number of directorships in privately-owned companies and independent trusteeships. About Stewart Group Stewart Group is a financial planning and advisory firm based in Hawke's Bay and Wellington. We offer personal fiduciary services, wealth management, risk insurance, and KiwiSaver solutions. Our approach is guided by our core values of honesty, integrity, and loyalty. These principles reflect our family-oriented philosophy, which we apply in our daily operations. We pride ourselves on fostering strong, personal relationships with our clients, delivering tailored services that meet their individual needs. As one of only eight CEFEX-accredited firms in New Zealand, we are dedicated to upholding the highest fiduciary standards and promoting a culture of continuous improvement. Through our owners, directors and team members, Stewart Financial Group (NZBN: 9429040213187) identifies as a Māori owned business. •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.

  1. 5 DAYS AGO

    Tim Chats Risk - Protecting Your Biggest Asset

    What do you consider your biggest asset, and is it covered? Featuring Tim Ewan, Risk Insurance Manager at Stewart Group, we discuss the significance of income protection insurance for New Zealanders, the limitations of ACC, and the roles of different types of personal insurance. Tim explains why income protection is vital, how trauma and TPD cover work, the impact of non-accidental conditions, and practical steps for choosing the right cover. Tune in now and ensure you are covered where it matters most.   Important Time Stamps (00:02:03) Why income protection insurance is important for everyday New Zealanders. (00:03:23) ACC coverage explained, and its limitations compared to private income protection. (00:04:37) Overview of personal insurance types: life, trauma, TPD, and income protection. (00:08:12) The impact of insurance events and why planning ahead matters. (00:09:10) How insurance payouts can relieve stress and aid recovery. (00:10:05) ACC statistics: non-accidental conditions, workdays lost and how income protection fills gaps not covered by ACC. (00:12:35) First steps for people considering insurance: importance of good advice, regular insurance reviews and claiming when eligible. (00:16:00) Final thoughts: protecting your income and choosing the right cover. The Adviser Talk is available on all popular streaming platforms, including Spotify and Apple Podcasts.  Tim Ewen is a Risk Insurance 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 visiting our website, www.stewartgroup.co.nz Hosted on Acast. See acast.com/privacy for more information.

    17 min

  2. 18/12/2025

    Nick on New Zealand's Economic Costume

    Are we really as wealthy as the headlines claim? New Zealand recently ranked fifth globally in per capita wealth—but is that just an illusion? In this episode, Tim and Nick unpack why so much of our “wealth” is tied up in property, what that means for financial security, and practical steps to build resilience beyond bricks and mortar. (00:00:00) Intro: Are we really the fifth-wealthiest nation, or is it smoke and mirrors? (00:00:36) Why Kiwis feel squeezed despite global wealth rankings (00:00:49) The Allianz report and New Zealand’s property-heavy balance sheet (00:03:38) Why housing wealth creates an illusion of security (00:04:29) The “third age” and risks of poor cash flow in retirement (00:06:40) Government incentives and our obsession with property (00:08:07) GDP per capita vs wealth rankings—what’s the real story? (00:09:57) Why New Zealand’s productivity has lagged for decades (00:13:30) Export strategy and lack of value-add in key industries (00:16:02) Practical steps for genuine financial resilience The Adviser Talk is available on all major streaming platforms, including Spotify and Apple Music. 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.

    22 min

  3. 04/12/2025

    Rory Talks the Price of Financial Wisdom

    Is wisdom really worth 4.52%? In this episode, Tim and Rory unpack the true value of advice. Russell Investments recently quantified the value financial advisers bring to New Zealand investors at 4.52%, Rory breaks down the “price of wisdom” and explores the real benefits that extend far beyond portfolio performance. (00:00:43) What’s in the 4.52%: asset allocation, customised planning, and behavioural coaching (00:01:38) Why investors fixate on numbers; NZ’s property bias and herd behaviour (00:02:24) When “safe” turns risky: property boom/bust parallels with ’87 crash, dot‑com, GFC, COVID (00:03:25) Returns comparison: NZX50 (~6.9x) vs globally diversified (~17.5x) since the late ’80s (00:04:06) Media narratives, bubbles and innovation; the human tendency to react to “now” (00:05:31) Holistic planning beyond returns: tax efficiency, structures, succession, risk insurance (00:06:13) Goals you can’t price: flexibility, travel, family—why some outcomes are “priceless” (00:06:35) Estate planning basics: wills, guardianship, peace of mind (00:07:51) Behavioural coaching in action: “don’t do this” moments; staying invested in KiwiSaver (00:10:27) Humans vs algorithms: reassurance and judgement you can’t automate The Adviser Talk is available on all popular streaming platforms, including Apple and Spotify. 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.

    12 min

  4. 20/11/2025

    Bruce and the Magnificent Seven

    Are yesterday’s market champions tomorrow’s winners? History says not likely. Driving the discussion: Financial advisor Bruce Jenks warns investors against concentrating portfolios in these high-performing stocks, despite the fear of missing out. While these companies benefit from AI-driven productivity gains, past market leaders like ExxonMobil and Chevron have shown that dominance doesn't last forever. Tune in to learn what simple, proven strategy remains your best defence against market uncertainty. Important time stamps: (00:00:42) Intro: Why yesterday’s winners may not be tomorrow’s champions (00:01:15) The rise of the “Magnificent Seven” and investor FOMO (00:03:02) Lessons from past market leaders (00:04:18) How quickly market leadership shifts (00:06:05) AI-driven gains and the risk of overconcentration (00:08:27) Diversification explained: reducing risk without sacrificing returns (00:10:14) US vs NZ market performance over the past five years (00:13:45) AI opportunities beyond tech (00:15:22) Why long-term planning beats chasing past performance (00:17:10) Closing thoughts: discipline, diversification, and clear strategy The Adviser Talk is available on all major streaming platforms, including Spotify and Apple Music. Bruce Jenks 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 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.

    10 min

  5. 06/11/2025

    Nick chats Bubbles, Diversification and the Perils of Fomo

    Can even the smartest minds outsmart market mania? Sir Isaac Newton lost a fortune in the South Sea bubble—proof that FOMO can derail even genius. In this episode, Tim and Nick unpack what Newton’s misstep teaches us about bubbles, herd behaviour and today’s hype-driven markets. Discover why diversification, discipline and wise counsel remain your best defence against financial folly. Important time stamps: (00:00:37) Intro: Newton’s investment mistake and market bubbles (00:01:33) Why bubbles happen and why they’re hard to spot (00:03:22) What Newton’s South Sea bubble experience reveals about investor behaviour (00:03:38) Deep dive into the South Sea bubble and Newton’s costly mistake (00:06:49) Newton’s famous quote on human behaviour and markets (00:08:14) Parallels between historical bubbles and today’s AI boom (00:11:36) Why predicting winners is nearly impossible (00:11:48) Strategies to counter FOMO and avoid poor decisions (00:13:30) Diversification as the best defence against market uncertainty (00:14:46) Role of financial advisers in preventing big mistakes (00:17:33) Closing thoughts: humility, discipline and diversification The Adviser Talk is available on all popular streaming platforms, including Spotify and Apple. 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.

    18 min

  6. 23/10/2025

    Rory on KiwiSaver and Holistic Financial Strategy

    Is your KiwiSaver working hard enough for your future? KiwiSaver should be part of a broader, holistic financial strategy—not a standalone account. Many Kiwis opt for overly cautious KiwiSaver options because they're not considering their entire asset mix. Tune in as Tim and Rory discuss how aligning your investments, property, insurance, and income can set you up for long-term retirement success.   Important time stamps: (00:00:00) Episode and guest introduction (00:00:52) Importance of viewing KiwiSaver as part of a holistic financial picture (00:01:27) New Zealand's traditional approach to retirement planning and asset allocation (00:02:43) KiwiSaver as a growth asset and restructuring asset allocation (00:03:35) Explaining 'whole of wealth' and its practical implications (00:05:04) Challenges of fragmented financial advice and benefits of integrated planning (00:06:33) Impact of home ownership and mortgage on KiwiSaver strategy (00:07:46) Retirement flexibility and managing KiwiSaver post-65 (00:08:42) Common mistakes in KiwiSaver fund selection and conservative allocations (00:10:05) Life changes and the need to adjust KiwiSaver strategy over time (00:10:37) Benefits of holistic financial advice over siloed providers (00:11:21) Financial planning for young individuals starting their journey 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.

    13 min

  7. 09/10/2025

    Brent on NZ's Housing Reality Check

    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.

    19 min

  8. 25/09/2025

    Rory on the True Cost of Short-Term Thinking

    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.

    14 min
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About

The Adviser Talk looks at recent events and financial news through the lens of Stewart Group’s expert Financial Advisers. We cover everything from crypto-cracking hamsters to saving for retirement (and plenty of subjects in between). If you have any questions or financial topics you want us to cover on future episodes, you can simply email your requests to podcasts@stewartgroup.co.nz You’ll find CEO Nick Stewart our most frequent flyer in the hot seat – Nick is a Financial Adviser, Accredited Investment Fiduciary, and Associate Financial Planner of Financial Advice New Zealand. He is our CEO and Financial Adviser at Stewart Group and holds a number of directorships in privately-owned companies and independent trusteeships. About Stewart Group Stewart Group is a financial planning and advisory firm based in Hawke's Bay and Wellington. We offer personal fiduciary services, wealth management, risk insurance, and KiwiSaver solutions. Our approach is guided by our core values of honesty, integrity, and loyalty. These principles reflect our family-oriented philosophy, which we apply in our daily operations. We pride ourselves on fostering strong, personal relationships with our clients, delivering tailored services that meet their individual needs. As one of only eight CEFEX-accredited firms in New Zealand, we are dedicated to upholding the highest fiduciary standards and promoting a culture of continuous improvement. Through our owners, directors and team members, Stewart Financial Group (NZBN: 9429040213187) identifies as a Māori owned business. •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.

Information

  • Creator
    by Stewart Group
  • Years Active
    2019 - 2026
  • Episodes
    209
  • Rating
    Clean
  • Copyright
    © All rights reserved
  • Show Website
    The Adviser Talk