The Wealth Guide Podcast

Ray Regmi
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  • BUSINESS

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.

  1. SEP 15

    How Much Do You Really Need to Retire on $100,000 a Year? | Ep. 56

    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  ----- In this episode of The Wealth Guide Podcast, host Malissa Vourakis sits down once again with the Ryker Capital team — Jack Oineza, Ricky Regmi, and Dean Desoukey — to tackle the question everyone asks but few can answer clearly: what does it really take to retire on $100,000 a year? They unpack the 4% rule in plain English (why $2.5 million can fund a $100k income), the “bucket” approach to balance debt, investing, and lifestyle, and the power of small, regular super contributions through compounding and dollar-cost averaging. You’ll hear how geo-arbitrage can stretch your money by spending part of the year in lower-cost countries, why Centrelink can be a force multiplier in retirement, and how to set different risk settings as you move through your golden, silver, and legacy years. Whether you are 21 and starting with $50 a week or in your 50s making up ground, the team shows you how to reverse-engineer a six-figure retirement, avoid common traps, and build a portfolio that can weather market dips without panic selling. If you want a practical, human guide to turning the $100k dream into a plan, this episode is for you. ----- SHOW NOTES LINKS https://www.linkedin.com/in/dean-desoukey/ https://www.linkedin.com/in/jackoineza/ https://www.linkedin.com/in/malissa-vourakis-79066a67/ https://www.linkedin.com/in/rajiv-ricky-regmi-cpa-943694213/ ----- LISTEN TO THE PODCAST Spotify: https://spoti.fi/3qJL8w4  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   ----- TIME STAMPS: 00:00 Intro / Hook 01:36 How much do you need to retire on $100,000 a year 02:46 Structuring a $100,000 retirement 05:54 What does $100,000 a year in retirement look like 08:20 How to achieve $100,000 a year in retirement 11:59 Paying extra into super 18:50 Advice for a 21-year-old earning $85,000 a year who wants to retire on $100,000 20:59 What it looks like when a 21-year-old adds $100 a week into super 29:27 The impact of contributing $150 a week into super 30:37 How to achieve $100,000 a year in retirement if you start later in life 36:47 Investment strategies and market volatility 42:43 The role of financial advisors 49:19 Final thoughts/Outro ----- 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.

    57 min

  2. AUG 31

    Do This To Legally Pay LESS TAXES in Australia | Ep. 55

    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  ----- In this episode of The Wealth Guide Podcast, host Malissa Vourakis sits down with the Ryker Capital team, Jack Oineza, Ricky Regmi, and Dean Desoukey, to answer a question that every Australian has asked at some point: how do you legally pay less tax? They break down how the progressive tax system really works, why the top marginal rate can sting at 45%, and how using structures like companies and trusts can legally bring that bill down to as low as 25%. You’ll learn the difference between smart tax planning and anti-avoidance (and why the ATO takes one very seriously), how superannuation delivers powerful tax advantages at just 15% in accumulation and 0% in pension phase, and the traps that catch people out with deductions, home offices, and novated leases. If you want to understand the strategies behind paying the right amount of tax, protect yourself from costly mistakes, and keep more of your money working for your future, this is an episode you can’t afford to miss. -----   SHOW NOTES LINKS   https://www.linkedin.com/in/dean-desoukey/ https://www.linkedin.com/in/jackoineza/ https://www.linkedin.com/in/malissa-vourakis-79066a67/ https://www.linkedin.com/in/rajiv-ricky-regmi-cpa-943694213/ -----   LISTEN TO THE PODCAST   Spotify: https://spoti.fi/3qJL8w4  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   -----   TIME STAMPS:   00:00 Intro/Hook 01:36 Pay less tax legally in Austalia 03:00 Progressive Tax System and Tax Brackets 07:25 Difference between Sole Trader and a PAYG 10:09 Tax Deductions and Their Application 16:51 Tax Strategies for Businesses 23:23 Trusts and Tax Planning 29:17 Capital Gains and Tax Harvesting 32:01 Risky Tax Strategies and Client Examples 41:25 Tax Planning for Part IVA and Bankruptcy 43:34 Conclusion/Outro   -----   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.

    49 min

  3. AUG 17

    What Really Happens to Your Super When You Retire? | Ep. 54

    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  ----- In this episode of The Wealth Guide Podcast, host Malissa Vourakis is joined by the Ryker Capital team, Jack Oineza, Ricky Regmi, and Dean Desoukey to tackle one of the biggest questions Australians face: what really happens to your super when you retire? They unpack the difference between the accumulation and pension phases, the tax advantages of each, and why transitioning into retirement often matters more than the retirement date itself. You’ll discover how contribution caps work (and why exceeding them can trigger a 45% tax bill), the hidden insurance risks of rolling over your super without advice, and how Transition to Retirement (TTR) strategies can help you cut back on work without cutting back your lifestyle. The team also busts myths about the age pension, explains how your assets and income affect eligibility, and shows how even small, smart moves early in your career can add hundreds of thousands to your retirement balance. Packed with relatable client stories, easy-to-follow analogies, and practical strategies, this episode proves super is far more than a savings account, it’s the engine that powers your future lifestyle. If you want to make the most of your super, avoid costly mistakes, and create income you can rely on for life, this is the episode for you.  -----   SHOW NOTES LINKS   https://www.linkedin.com/in/dean-desoukey/ https://www.linkedin.com/in/jackoineza/ https://www.linkedin.com/in/malissa-vourakis-79066a67/ https://www.linkedin.com/in/rajiv-ricky-regmi-cpa-943694213/ -----   LISTEN TO THE PODCAST   Spotify: https://spoti.fi/3qJL8w4  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   -----   TIME STAMPS:   00:00 – Intro 00:51 – Practical Insights for Different Life Stages 03:20 – Understanding Super Accumulation and Pension Phases 06:56 – Tax Implications of Super in Accumulation vs Pension Phase 10:18 – Contribution Limits and Avoiding Excess Contribution

    49 min

  4. APR 27

    How to Legally Claim Up to $10K From the ATO Without Spending a Cent | Ep. 53

    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  ---- In this episode, we have Tuan Duong, Principal Quantity Surveyor and founder of Duo Tax, Australia’s most reviewed and highly-rated quantity surveying firm, helping thousands of investors maximise their tax deductions with affordable, ATO-compliant depreciation schedules. Tuan talks about the surprising mistake that cost one investor $80,000 before settlement, how depreciation can boost your cash flow without spending a cent, and the biggest myth that’s stopping investors from claiming tens of thousands in tax deductions. He also discusses how to legally claim depreciation on renovations (even those done by previous owners), the strategic use of "scrapping" to accelerate deductions, and why a simple call to a quantity surveyor could uncover years of missed savings. If you want to avoid costly investment missteps and learn how to turn your property’s wear and tear into serious tax savings, then make sure to listen to this episode! ----- SHOW NOTES LINKS https://duotax.com.au/ https://www.facebook.com/duotax/ https://www.instagram.com/duotaxqs/ https://au.linkedin.com/in/duoquantitysurveyors https://www.youtube.com/@DuoTax https://www.tiktok.com/@duo_tax  ----- LISTEN TO THE PODCAST Spotify: https://spoti.fi/3qJL8w4 Apple Podcast: https://apple.co/3QPF3ch Amazon Music: https://amzn.to/3YMZjgD Google Podcast: https://bit.ly/3swIVEF  ----- 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 ---- TIME STAMPS: 00:00 Intro 01:13 Biggest Financial Mistakes First-Time Property Investors Make 07:01 Cashflow Mistakes People Make When Purchasing an Investment Property 08:56 Tax Depreciation Schedules and What to Look Out For/Benefits of Tax Depreciation 19:11 People That Don’t Have Tax Depreciation; What to Do 21:51 Tax Depreciation on Renovation 22:59 Tax Depreciation Methods 24:02 May 2017 Legislation 26:02 Understanding Tax Depreciation Eligibility 28:41 Maximising Tax Depreciation 31:10 Best Time to Get in Touch With a Quantity Surveyor 33:22 Advice for People Looking to Invest a Property 38:02 Negative Gearing and Why Investment Property? 41:27 Tuan’s One Piece of Advice for Property Investors 43:03 Conclusion ----- DISCLAIMER The information provided in this podcast is for general purposes only and should not be con

    45 min

  5. APR 13

    The Real Costs of Buying Your First Home (And How to Make It Work) | Ep. 52

    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  ----- In this episode, we have Michaela Shaw, Lending Specialist at MoneyQuest Penrith & Blue Mountains, a finance professional known for making the lending journey feel approachable and stress-free, especially for first-home buyers. She talks about the mindset blocks holding Gen Z back from entering the property market, the biggest myth about credit scores that could sabotage your borrowing power, and how to take advantage of lesser-known government schemes to get into your first home sooner. She also discusses how to strategically plan your finances 12–18 months before buying, the unexpected factors lenders consider when assessing your loan, and why working with a mortgage broker and financial adviser can fast-track your journey into the property market. If you want to take the guesswork out of buying your first home and learn how to make confident, informed decisions about your property journey, then make sure to listen to this episode! ----- SHOW NOTES LINKS https://www.linkedin.com/in/michaela-shaw-742866222/ https://www.moneyquest.com.au/broker/michaela-shaw/  https://www.facebook.com/MoneyQuestBlueMountains/ https://www.facebook.com/MoneyQuestPenrith/  https://www.instagram.com/moneyquest_bluemountains/ https://www.instagram.com/moneyquest_penrith/  ----- LISTEN TO THE PODCAST Spotify: https://spoti.fi/3qJL8w4 Apple Podcast: https://apple.co/3QPF3ch Amazon Music: https://amzn.to/3YMZjgD Google Podcast: https://bit.ly/3swIVEF ---- 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 ---- TIME STAMPS: 00:00 - Introduction 00:35 - Importance of Financial Literacy for Home Buyers 02:15 - The Impact of Interest Rates on Borrowing Capacity 04:30 - How to Assess Your Financial Situation Before Buying 07:10 - Common Mistakes First-Time Buyers Make 09:45 - How Much Deposit Do You Really Need? 12:20 - Understanding Home Loan Options and Government Schemes 15:05 - The Importance of Discipline in Saving for a Home 17:30 - Should You Wait or Buy Now? Setting Realistic Expectations 20:15 - First Home vs. Dream Home: What Should You Aim For? 23:00 - How to Evaluate the Property Market and Adjust Your Goals 25:40 - Final Tips for First-Time Home Buyers 27:30 - How to Get

    44 min

  6. MAR 30

    The Secret to Becoming a TOP Mortgage Broker (Most Brokers Don’t Know This!) | Ep. 51

    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  ----- In this episode, we have Michael Mitry and Ted Naim from Eden Mentoring, an MFAA-endorsed and FBAA-accepted mentoring program dedicated to equipping new brokers with industry-leading guidance, ethical expertise, and decades of mortgage experience. They talk about why choosing an accredited mentor can make or break your career, how to build a client pipeline that grows itself, and why most brokers fail within their first two years—and how to avoid their mistakes. They also discuss the secret to attracting high-value clients without cold-calling, how to position yourself as a solution-based broker that people trust, and why aligning with financial planners and accountants can dramatically increase your revenue. If you want to accelerate your mortgage broking career, gain insider knowledge from industry veterans, and develop a strategy for long-term success, then make sure to listen to this episode! -----   SHOW NOTES LINKS https://edenmentoring.com.au/  https://www.linkedin.com/in/michael-mitry-93b7404a/  https://www.linkedin.com/in/ted-naim-08a36149/  -----   LISTEN TO THE PODCAST   Spotify: https://spoti.fi/3qJL8w4  Apple Podcast: https://apple.co/3QPF3ch  Amazon Music: https://amzn.to/3YMZjgD  Google Podcast: https://bit.ly/3swIVEF   -----   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   ----- TIME STAMPS: 0:00 – Introduction 0:30 – Why Mentorship Matters in Mortgage Broking 2:15 – Soft Skills & Client Communication 4:05 – The Importance of the Discovery Session 6:10 – Understanding Client Goals & Financial Planning Strategies 8:25 – The Value of Exposure & Mentorship in Mortgage Broking 10:40 – Structuring a Mortgage Broking Business for Success 13:15 – Biggest Challenges Mortgage Brokers Face Today 15:00 – Time Management: The Key to Success 17:20 – Building Confidence as a Mortgage Broker 19:40 – Setting Realistic Goals & Business Metrics 22:00 – Positioning Yourself as an Industry Expert 24:30 – Why Clients Choose the Right Broker 26:45 – The Power of Referrals & Client Advocacy 28:30 – The Personal Side of Financial Planning & Mortgage Broking 30:20 – How to Join the Mentorship Program 32:00 – Final Thoughts & How to Get in Touch 33:15 – Outro -----   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.

    41 min

  7. MAR 16

    The BEST Mortgage Brokers Don’t Sell—They Educate! Here’s Why | Ep. 50

    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  ----- In this episode, we have Julian Mattatia, General Manager of Sales and Marketing at the MoneyQuest Group, and Matthew Phelps, State Manager for NSW/ACT at MoneyQuest. They talk about why mortgage brokers must shift from a transactional model to a long-term client advisory approach, how referral partnerships with financial planners can dramatically boost business growth, and the biggest mistakes new brokers make when transitioning into the industry (and how to avoid them). They also discuss how social media is transforming the mortgage broking landscape, why niching down can help you stand out in a saturated market, and how top brokers use automation and AI to streamline their processes and attract more clients effortlessly. If you want to attract high-value clients, stand out in a competitive industry, and build a mortgage broking business that lasts, then make sure to listen to this episode! -----   SHOW NOTES LINKS https://www.linkedin.com/in/julianmattatia/ https://au.linkedin.com/in/matthewjphelps  https://www.moneyquest.com.au/  https://www.facebook.com/MoneyQuestAustralia/ https://www.instagram.com/moneyquestaustralia/  https://www.linkedin.com/company/moneyquest-australia -----   LISTEN TO THE PODCAST   Spotify: https://spoti.fi/3qJL8w4  Apple Podcast: https://apple.co/3QPF3ch  Amazon Music: https://amzn.to/3YMZjgD  Google Podcast: https://bit.ly/3swIVEF   -----   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   ----- TIME STAMPS: 0:00 - Introduction 0:35 - The Relationship Between Financial Planners & Mortgage Brokers 2:20 - Why Clients Benefit from a Financial Team Approach 5:10 - Challenges for New Mortgage Brokers 8:45 - Making the Transition from Banking to Broking 12:15 - How MoneyQuest Supports New Brokers 15:30 - The Power of Referral Partnerships 18:00 - Measuring Success Beyond Settlements 20:40 - Trends in the Mortgage Broking Industry 23:50 - The Role of Social Media in Mortgage Broking 27:15 - The Danger of Financial Misinformation Online 30:10 - Educating Clients & The Importance of Financial Literacy 32:40 - What's Next for MoneyQuest in NSW? 35:00 - Closing Thoughts & Final Takeaways 35:45 - Disclaimer & Podcast Wrap-Up -----   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.

    27 min

  8. MAR 2

    How TOP Mortgage Brokers Leverage Financial Planners to Scale Fast | Ep. 49

    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  ----- In this episode, we have Julian Mattatia, General Manager of Sales and Marketing at the MoneyQuest Group, and Paul Wright, National Growth Manager at the MoneyQuest Group. They talk about why the traditional, transactional mortgage broker model is dying, how brokers can transform into trusted advisors who retain clients for life, and the biggest mistakes new brokers make when starting out (and how to avoid them). They also discuss the power of financial planning partnerships in scaling a mortgage broking business, how technology and AI are reshaping the industry, and what it really takes to reach $1 billion in mortgage settlements. If you want to future-proof your mortgage broking business, attract high-value clients, and scale sustainably without burning out, then make sure to listen to this episode! ----- SHOW NOTES LINKS https://www.linkedin.com/in/julianmattatia/ https://www.linkedin.com/in/paul-wright-brokercoaching/ https://www.moneyquest.com.au/ https://www.facebook.com/MoneyQuestAustralia/ https://www.instagram.com/moneyquestaustralia/ https://www.linkedin.com/company/moneyquest-australia ----- LISTEN TO THE PODCAST Spotify: https://spoti.fi/3qJL8w4 Apple Podcast: https://apple.co/3QPF3ch Amazon Music: https://amzn.to/3YMZjgD Google Podcast: https://bit.ly/3swIVEF ----- 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 ---- TIME STAMPS: 00:00 - Intro 01:11 - Strategies in Expanding MoneyQuest Group 02:12 - What is the value ad that Julian provides to the members? 03:26 - Primary Goals for MoneyQuest Expansion 04:58 - How Does Having a background in Mortgage Broking Help in Coaching & Mentoring Clients? 05:46 - The Mortgage Broking and Financial Planning Relationship 08:21 - The Importance of Having a Team of Financial Team to Back You 09:14 - Benefits of Mortgage Brokers working with Financial Planners 10:34 - Benefits of The MoneyQuest Pathways 12:50 - Paul's Pearls of Financial Wisdom 17:32 - The Multi-faceted role of a Financial Planner Working with Brokers 20:20 - Mortgage Brokers vs Traditional Banks 23:02 - Conversations between Mortgage Brokers, Financial Planners and Clients 24:17 - Professional Development Initiatives at MoneyQuest 27:24 - Adapting to Technology 31:21 - Conclusi

    34 min
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About

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.

Information

  • Creator
    Ray Regmi
  • Years Active
    2023 - 2025
  • Episodes
    57
  • Rating
    Clean
  • Copyright
    © 2025 The Wealth Guide Podcast
  • Show Website
    The Wealth Guide Podcast