TFS WealthCast

Tomorrow Financial Solutions
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The TFS WealthCast brings clarity, depth, and strategy to finance, property, and wealth-building in Australia. This isn’t just another finance podcast it’s a space where serious investors, ambitious professionals, and wealth builders come to sharpen their edge.Each episode is unique, we sit down with industry leaders, top-performing brokers, property strategists, and seasoned investors who’ve built real portfolios and navigated shifting markets. We dive into advanced topics like: •Smarter lending structures to accelerate portfolio growth•How to leverage equity and refinance effectively•Risk management strategies in uncertain markets•Tax-efficient wealth-building and long-term planning•Identifying emerging hotspots and investment trends before the crowdWhether you’re expanding your property portfolio, restructuring your finances for maximum efficiency, or looking for high-level insights to stay ahead of market shifts, the TFS WealthCast delivers real conversations and actionable strategies that cut through the noise.This isn’t about theory it’s about practical frameworks, smart structures, and proven approaches that help you grow, protect, and future-proof your wealth. 

  1. Leveraging Science for Success

    6D AGO

    Leveraging Science for Success

    Send us a text In this wide‑ranging conversation, TFS founder Pramu Rodrigo welcomes Dr Dilshan Anthony Fernando medical administrator, medtech innovator and co‑founder of Athlos Performance Lab to explore how data and science can elevate both athletic and professional performance. Dr Fernando explains his unconventional journey: he chose medicine to serve humanity and now builds healthcare systems, develops medical technologies and hosts a TV show. He and his partner created Athlos as Sri Lanka’s first state‑of‑the‑art performance testing centre where talent meets cutting‑edge sports science, empowering coaches to make data‑driven decisions . Throughout the episode, Dr Fernando emphasises that “what you can’t measure, you can’t optimise.” He describes how Athlos uses tools such as cardiopulmonary exercise testing, force plates and biomechanics analysis to unlock the potential of elite athletes, recreational enthusiasts and anyone seeking preventive wellness. The lab runs education programs to close the knowledge gap and make science‑based training accessible to all. The discussion moves to periodization planning cycles of training and recovery. Dr Fernando notes that periodization evolved to help athletes manage stress and fatigue, reduce the risk of injury and burnout . It benefits general fitness enthusiasts too, since it decreases the risk of overtraining while maximising strength, speed and endurance . The conversation also touches on business. Dr Fernando shares how he balances ethical patient care with entrepreneurship and why he uses bank loans strategically to scale ventures. Business loans are essential for expansion most organisations eventually need them, whether for equipment, new premises or acquisitions but he stresses the importance of careful feasibility planning and not over‑leveraging. Whether you’re an athlete, a business owner or simply curious about the intersection of health and finance, this episode offers fresh insights into optimising performance, managing risk and building success sustainably. Any information discussed or provided in this podcast is general advice and has been provided without taking account of your objectives, financial situation or needs, you should consider the appropriateness of this advice before acting on it. If this general advice relates to acquiring a financial product, you should obtain a Product Disclosure Statement before deciding to acquire the product. Website https://www.tomorrowfs.com.au/ Facebook https://www.facebook.com/tomorrowfs.com.au?mibextid=wwXIfr&rdid=2XjnQHpmHV1wnR4r&share_url=https%3A%2F%2Fwww.facebook.com%2Fshare%2F1CeyxmzE79%2F%3Fmibextid%3DwwXIfr# Instagram https://www.instagram.com/tomorrowfs.com.au/?igsh=aWUwaDZxcWM5amF6# YouTube https://www.youtube.com/@tomorrowfs TikTok https://www.tiktok.com/@tomorrowfs?_t=ZS-8z0BOYqsW7J&_r=1

    51 min
  2. Migrating in your 30s : A Good Move?

    JAN 29

    Migrating in your 30s : A Good Move?

    Send us a text Migrating to Australia in your late 30s isn’t just a move it’s a full reset. In this episode, we unpack the mindset shift and the money moves that help new migrants avoid costly mistakes early on. We talk about the emotional pressure of rebuilding identity, income, and lifestyle, plus why trying to “replace” your old life too quickly can backfire.  You’ll hear practical guidance on setting up a cash buffer (including a realistic discussion around savings targets), why renting first can buy you time and clarity, and how to avoid making big financial decisions based on ego or comparison. We also break down the simple 50/30/20 framework to balance essentials, lifestyle, and savings and how to think about cars, loans, and property choices without locking yourself into stress.  If you’re planning the move or you’ve just landed, this episode is built to help you plan smart, stay grounded, and build forward.  General advice warning: This content is general and doesn’t take into account your objectives, financial situation or needs. Consider whether it’s appropriate for you and seek personal advice if required.    Any information discussed or provided in this podcast is general advice and has been provided without taking account of your objectives, financial situation or needs, you should consider the appropriateness of this advice before acting on it. If this general advice relates to acquiring a financial product, you should obtain a Product Disclosure Statement before deciding to acquire the product. Website https://www.tomorrowfs.com.au/ Facebook https://www.facebook.com/tomorrowfs.com.au?mibextid=wwXIfr&rdid=2XjnQHpmHV1wnR4r&share_url=https%3A%2F%2Fwww.facebook.com%2Fshare%2F1CeyxmzE79%2F%3Fmibextid%3DwwXIfr# Instagram https://www.instagram.com/tomorrowfs.com.au/?igsh=aWUwaDZxcWM5amF6# YouTube https://www.youtube.com/@tomorrowfs TikTok https://www.tiktok.com/@tomorrowfs?_t=ZS-8z0BOYqsW7J&_r=1

    46 min
  3. Residential vs Commercial: The Real Numbers

    JAN 23

    Residential vs Commercial: The Real Numbers

    Send us a text In this episode of the TFS Wealth Cast, Vishi sits down with Nathan Ruvinski (Commercial Lending Specialist) to unpack the real-world differences between residential vs commercial property investing without the fluff. They break down what actually drives outcomes for investors: cash flow vs capital growth narratives, typical rental yield ranges, lease length and stability, and why commercial deals can shift more of the ongoing costs (like rates, insurance, and maintenance) onto the tenant when structured correctly. Nathan also shares a client story that captures the mindset shift from “feeding the property” to owning an asset designed to generate stronger income over time, while still acknowledging the vacancy and economic-cycle risks that come with commercial property. General information only: This episode is general in nature and doesn’t take into account your objectives, financial situation or needs. Consider whether it’s appropriate for you and seek personal advice if required. Any information discussed or provided in this podcast is general advice and has been provided without taking account of your objectives, financial situation or needs, you should consider the appropriateness of this advice before acting on it. If this general advice relates to acquiring a financial product, you should obtain a Product Disclosure Statement before deciding to acquire the product. Website https://www.tomorrowfs.com.au/ Facebook https://www.facebook.com/tomorrowfs.com.au?mibextid=wwXIfr&rdid=2XjnQHpmHV1wnR4r&share_url=https%3A%2F%2Fwww.facebook.com%2Fshare%2F1CeyxmzE79%2F%3Fmibextid%3DwwXIfr# Instagram https://www.instagram.com/tomorrowfs.com.au/?igsh=aWUwaDZxcWM5amF6# YouTube https://www.youtube.com/@tomorrowfs TikTok https://www.tiktok.com/@tomorrowfs?_t=ZS-8z0BOYqsW7J&_r=1

    16 min
  4. Fast Funding - When to Use, When to Avoid

    JAN 16

    Fast Funding - When to Use, When to Avoid

    Send us a text In this thought provoking conversation, TFS founder and managing director Pramu Rodrigo teams up with finance broker Nathan Ruvinski to demystify the world of unsecured lending. Unlike secured loans that are backed by assets, unsecured loans rely solely on the borrower’s credit profile. Because lenders face more risk, they typically charge higher interest rates and scrutinise your finances more carefully; for example, recent data show that average interest rates for a five‑year unsecured personal loan ($20 000) are around 11.7 % p.a., compared with 9.6 % p.a. for an equivalent secured loan. Nathan notes that some unsecured personal and business loans in Australia carry rates of 18–25 % or more, reflecting the higher risk. The hosts discuss the most common uses for unsecured loans such as funding inventory or equipment for small businesses and emphasise that these loans can be valuable when the anticipated return exceeds the cost of borrowing. They caution listeners to read the fine print, as many lenders charge break fees for early repayment and may seize funds from business accounts if payments are missed.  Because lenders are taking on more risk, your credit score matters; people with strong repayment histories often qualify for lower interest rates, while missed payments can lead to higher rates and damage your credit. The episode compares bank loans with fintech options: banks may offer lower rates but require more paperwork and time, whereas fintechs are fast but expensive. Through real life examples including a business owner who borrowed too much and struggled when sales fell short Pramu and Nathan highlight the importance of having a repayment plan and seeking professional advice before taking on high interest debt. Listeners will learn the differences between unsecured and secured loans, understand how credit scores influence loan costs, and gain practical tips for using unsecured lending strategically. Whether you’re considering a personal loan or need quick working capital for your business, this episode offers balanced insights into when and when not to take on unsecured debt. Note: The information provided is general in nature and does not constitute personal financial advice. Any information discussed or provided in this podcast is general advice and has been provided without taking account of your objectives, financial situation or needs, you should consider the appropriateness of this advice before acting on it. If this general advice relates to acquiring a financial product, you should obtain a Product Disclosure Statement before deciding to acquire the product. Website https://www.tomorrowfs.com.au/ Facebook https://www.facebook.com/tomorrowfs.com.au?mibextid=wwXIfr&rdid=2XjnQHpmHV1wnR4r&share_url=https%3A%2F%2Fwww.facebook.com%2Fshare%2F1CeyxmzE79%2F%3Fmibextid%3DwwXIfr# Instagram https://www.instagram.com/tomorrowfs.com.au/?igsh=aWUwaDZxcWM5amF6# YouTube https://www.youtube.com/@tomorrowfs TikTok https://www.tiktok.com/@tomorrowfs?_t=ZS-8z0BOYqsW7J&_r=1

    48 min
  5. Season 2 Kick‑Off: Don’t Just Watch Others Prosper – Kick‑Start Your Portfolio Now!

    JAN 8

    Season 2 Kick‑Off: Don’t Just Watch Others Prosper – Kick‑Start Your Portfolio Now!

    Send us a text Episode Description The opening episode of TFS WealthCast Season 2 welcomes listeners into 2026 with a candid conversation between host Vishi and TFS founder & director Pramu Rodrigo. Recorded from the firm’s new office, the discussion acknowledges common New‑Year resolutions from health to finance and challenges listeners to act on them rather than abandon them by late January. Pramu explains that serious financial goals need to be written down because the act of handwriting them increases commitment. He stresses that waiting for the "right time" or a lottery win is not a strategy; instead, investors should leverage the equity in existing property to acquire their first investment and snowball into a portfolio. The episode outlines four practical moves for the new year, including refinancing to free up capital, accessing TFS’s loyalty program to accelerate savings for a deposit, and using coaching to master budgeting and cash‑flow. The conversation also explores broader wealth‑building principles: becoming a better version of yourself every day, building assets you can pass on to the next generation, and refusing to be paralysed by "timing the market". Pramu shares an update on TFS’s business performance – the team grew from 15 people at the end of 2024 to 35 by the end of 2025 and now operates from four offices. Looking ahead, TFS plans to expand into Queensland, New South Wales and South Australia in 2026, bringing new opportunities and challenges. This premiere concludes with an invitation to visit the flagship office on Toorak Road, check out the TFS Raptor and keep building towards financial freedom. Any information discussed or provided in this podcast is general advice and has been provided without taking account of your objectives, financial situation or needs, you should consider the appropriateness of this advice before acting on it. If this general advice relates to acquiring a financial product, you should obtain a Product Disclosure Statement before deciding to acquire the product. Website https://www.tomorrowfs.com.au/ Facebook https://www.facebook.com/tomorrowfs.com.au?mibextid=wwXIfr&rdid=2XjnQHpmHV1wnR4r&share_url=https%3A%2F%2Fwww.facebook.com%2Fshare%2F1CeyxmzE79%2F%3Fmibextid%3DwwXIfr# Instagram https://www.instagram.com/tomorrowfs.com.au/?igsh=aWUwaDZxcWM5amF6# YouTube https://www.youtube.com/@tomorrowfs TikTok https://www.tiktok.com/@tomorrowfs?_t=ZS-8z0BOYqsW7J&_r=1

    31 min
  6. Finance that pays YOU back: "How TFS is changing the Finance Game"

    11/21/2025

    Finance that pays YOU back: "How TFS is changing the Finance Game"

    Send us a text The season finale of TFS WealthCast brings together CEO Pramu Rodrigo and Vishi for a deep dive into the TFS Loyalty Program a pioneering initiative set to redefine mortgage broking and wealth management in Australia. Unlike traditional loyalty schemes that expire or offer token gestures, the TFS program is built on reciprocity: clients earn 70 loyalty credits per $100,000 of new lending and 20 credits annually thereafter, with credits redeemable across a network of luxury villas and resorts operated by the Browns Hotel group and Reveal Collection in Sri Lanka.  Drawing on more than a decade of client relationships, Pramu explains that loyalty is a two way street; many early TFS customers remain with the firm today because TFS delivers more than just competitive rates. The loyalty program reflects that philosophy: members accumulate points based on outstanding loan balances, and those credits never expire, making the program one of the first of its kind in the Australian mortgage market. The conversation covers the program’s tiered structure, ranging from Green (for balances between $100k–$499k) through to Platinum (balances over $1.8 million). Higher tiers unlock perks such as global airport lounge access, complimentary concierge planning and the option to gift credits to friends or family. Listeners also hear how TFS’s strategic partnership with LOLC Holdings allows clients to gain preferential rates on deposits and loans in Sri Lanka, blending wealth creation with curated travel experiences. The episode highlights specific examples from earning enough points on a $1 million combined loan to pay for multiple resort stays, to redeeming credits for flights for relatives who aren’t interested in hotels. By the end of the discussion, it’s clear that TFS is creating a holistic ecosystem that aligns home financing, investment strategy and lifestyle rewards, positioning the firm as more than a broker but a long‑term wealth partner. TFS Loyalty Website: www.tfsloyalty.com.au TFS Loyalty Instagram: https://www.instagram.com/tfsloyalty?utm_source=ig_web_button_share_sheet&igsh=ZDNlZDc0MzIxNw== TFS Website: www.tomorrowfs.com.au Any information discussed or provided in this podcast is general advice and has been provided without taking account of your objectives, financial situation or needs, you should consider the appropriateness of this advice before acting on it. If this general advice relates to acquiring a financial product, you should obtain a Product Disclosure Statement before deciding to acquire the product. Website https://www.tomorrowfs.com.au/ Facebook https://www.facebook.com/tomorrowfs.com.au?mibextid=wwXIfr&rdid=2XjnQHpmHV1wnR4r&share_url=https%3A%2F%2Fwww.facebook.com%2Fshare%2F1CeyxmzE79%2F%3Fmibextid%3DwwXIfr# Instagram https://www.instagram.com/tomorrowfs.com.au/?igsh=aWUwaDZxcWM5amF6# YouTube https://www.youtube.com/@tomorrowfs TikTok https://www.tiktok.com/@tomorrowfs?_t=ZS-8z0BOYqsW7J&_r=1

    40 min
  7. The Business Funding Blueprint: What Every Owner Must Know

    11/14/2025

    The Business Funding Blueprint: What Every Owner Must Know

    Send us a text In this episode of TFS WealthCast, Pramu sits down with our newest Mortgage Broker, Nathan Ruvinski, for a sharp and practical breakdown of the business-lending landscape. Nathan explains the key differences between secured and unsecured loans, how lenders assess risk and cash flow, and the strategies business owners can use to access capital efficiently. The conversation covers working-capital facilities, asset finance, loan structuring, and the importance of aligning funding with long-term business goals. If you’re a business owner, investor, or broker looking to strengthen your understanding of commercial lending, this episode delivers clear insights you can apply immediately. Any information discussed or provided in this podcast is general advice and has been provided without taking account of your objectives, financial situation or needs, you should consider the appropriateness of this advice before acting on it. If this general advice relates to acquiring a financial product, you should obtain a Product Disclosure Statement before deciding to acquire the product. Website https://www.tomorrowfs.com.au/ Facebook https://www.facebook.com/tomorrowfs.com.au?mibextid=wwXIfr&rdid=2XjnQHpmHV1wnR4r&share_url=https%3A%2F%2Fwww.facebook.com%2Fshare%2F1CeyxmzE79%2F%3Fmibextid%3DwwXIfr# Instagram https://www.instagram.com/tomorrowfs.com.au/?igsh=aWUwaDZxcWM5amF6# YouTube https://www.youtube.com/@tomorrowfs TikTok https://www.tiktok.com/@tomorrowfs?_t=ZS-8z0BOYqsW7J&_r=1

    17 min
  8. The $250k Dilemma: "Pay Down the Mortgage or Power Up Your Portfolio?"

    10/16/2025

    The $250k Dilemma: "Pay Down the Mortgage or Power Up Your Portfolio?"

    Send us a text In this listener-driven episode of TFS WealthCast, Pramu and financial planner Sonali unpack a scenario many homeowners face: a $750k mortgage on an $850k home (an LVR of about 85%) and a sudden $250k windfall.  They start by explaining how loan‑to‑value ratio (LVR) affects your borrowing costs and why dropping below 80 % can remove Lenders Mortgage Insurance and unlock better rates. They also discuss exceptions such as LMI waivers for certain professionals like doctors, accountants and lawyers, who can borrow up to 90% or more without paying LMI.  The discussion explores three strategies for the $250k: • Reduce the mortgage – paying down debt increases equity and stability. • Invest elsewhere – diverting funds into Shares, ETFs, Managed Funds or Property Investments need to beat a typical 6 % mortgage rate to be viable. • Debt recycling – using the $250k to pay down the mortgage, then re-borrowing that amount as a deductible investment loan to buy income‑producing assets. Sonali emphasises the difference between “good” (deductible) debt and “bad” (non‑deductible) debt, the importance of risk tolerance and the potential to leverage equity for property or share investments.  They also touch on advanced options like investing through trusts, buying businesses or using managed funds and why personal financial advice is essential. Whether you’re aiming to retire comfortably, accelerate your home loan repayment or build a robust portfolio, this episode offers some good insights, for the listeners to make informed decisions...  Any information discussed or provided in this podcast is general advice and has been provided without taking account of your objectives, financial situation or needs, you should consider the appropriateness of this advice before acting on it. If this general advice relates to acquiring a financial product, you should obtain a Product Disclosure Statement before deciding to acquire the product. Website https://www.tomorrowfs.com.au/ Facebook https://www.facebook.com/tomorrowfs.com.au?mibextid=wwXIfr&rdid=2XjnQHpmHV1wnR4r&share_url=https%3A%2F%2Fwww.facebook.com%2Fshare%2F1CeyxmzE79%2F%3Fmibextid%3DwwXIfr# Instagram https://www.instagram.com/tomorrowfs.com.au/?igsh=aWUwaDZxcWM5amF6# YouTube https://www.youtube.com/@tomorrowfs TikTok https://www.tiktok.com/@tomorrowfs?_t=ZS-8z0BOYqsW7J&_r=1

    37 min
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About

The TFS WealthCast brings clarity, depth, and strategy to finance, property, and wealth-building in Australia. This isn’t just another finance podcast it’s a space where serious investors, ambitious professionals, and wealth builders come to sharpen their edge.Each episode is unique, we sit down with industry leaders, top-performing brokers, property strategists, and seasoned investors who’ve built real portfolios and navigated shifting markets. We dive into advanced topics like: •Smarter lending structures to accelerate portfolio growth•How to leverage equity and refinance effectively•Risk management strategies in uncertain markets•Tax-efficient wealth-building and long-term planning•Identifying emerging hotspots and investment trends before the crowdWhether you’re expanding your property portfolio, restructuring your finances for maximum efficiency, or looking for high-level insights to stay ahead of market shifts, the TFS WealthCast delivers real conversations and actionable strategies that cut through the noise.This isn’t about theory it’s about practical frameworks, smart structures, and proven approaches that help you grow, protect, and future-proof your wealth. 

Information

  • Creator
    Tomorrow Financial Solutions
  • Years Active
    2025 - 2026
  • Episodes
    20
  • Rating
    Clean
  • Copyright
    © 2026 TFS WealthCast
  • Show Website
    TFS WealthCast