The Adviser Talk

by Stewart Group
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The Adviser Talk is where real conversations about money meet real life. Hosted by Stewart Group’s financial advisers, the podcast takes a thoughtful look at what is happening in markets, news, and everyday finances, and what it actually means for people trying to make good long-term decisions. From investing pitfalls and insurance myths to the emotional side of money and lessons drawn from history, each episode is practical, grounded, and refreshingly honest. Expect clear thinking, relatable examples, and the occasional unexpected story, all aimed at helping you feel more confident about your financial choices. Got a topic you would like us to explore? Email us anytime You’ll find CEO Nick Stewart our most frequent flyer in the hot seat – Nick is a Financial Adviser, Accredited Investment Fiduciary, Associate Financial Planner of Financial Advice New Zealand, 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-affiliated 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. MAR 5

    Nick Chats Investment Lures

    From bright fishing lures to bold financial claims, this episode reveals why some private offers look irresistible and how retail investors get pulled into high-risk waters without realising it. Tim and Nick shed light on wholesale certifications, liquidity traps, and explore how behavioural biases like greed and familiarity are exploited. Find out the questions every investor should ask before they sign and the simple due diligence habits that protect everyday investors. (00:01:46) Identifying modern investment lures (00:02:01) Moving up the risk curve without realising (00:03:00) Regulator warnings and real-world examples (00:03:19) Liquidity traps and investor misconceptions (00:04:54) Behavioural biases in investing (00:05:39) Return chasing and historical lessons (00:06:22) Wholesale investor certifications (00:08:53) Private equity risks and lack of recourse (00:09:16) Due diligence essentials for private offers (00:10:41) Recognising too good to be true offers (00:10:54) Fiduciary standards like Cefex (00:13:11) Ignoring environmental and insurance risk (00:13:25) Boringly effective investing habits Nick's book recommendation: Jerusalem by Simon Sebag Montefiore | Paper Plus Music: No Telling When The Muttonbirds The Adviser Talk is available on all major streaming platforms, including Spotify and Apple Music. Nick Stewart (Ngāi Tahu, Ngāti Huirapa, Ngāti Māmoe, Ngāti Waitaha) 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 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.

    22 min

  2. FEB 19

    Rory on Taking Advice from Algorithms: Why the Messy Line Matters

    Life never follows a straight financial line. In this episode, Tim and Rory explore why real money decisions zigzag, how emotion shapes financial choices, and why unexpected twists are a normal part of building long-term resilience. From market dips to surprise expenses at home, they unpack how to create a financial plan that bends with real life rather than breaking under pressure. (00:00:17) Episode intro, the myth of the straight financial line and why real life never behaves like a tidy plan (00:02:05) Welcome to guest Rory O'Neill and opening question about unexpected life events that reshape financial direction (00:03:42) Why plans change, income fluctuations, illness, bonuses and why deviation from a plan is not failure (00:03:54) How emotional decision making during COVID affected financial plans and why sticking to the plan matters (00:05:11) Why people confuse unexpected events with poor planning and the importance of resilience in a budget (00:06:17) The human element in financial decisions such as selling a business or home and adjusting expectations (00:07:57) The value of the tangled financial line and why ups and downs are normal on the journey to long term goals The Adviser Talk is available on all major streaming platforms, including Spotify and Apple Music. 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 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.

    11 min

  3. FEB 5

    Nick on the Value of Moving Forward

    In this special Waitangi edition of The Adviser Talk, Tim and Nick explore what a 149-year journey toward resolution can teach us about how we show up in our financial lives today. Drawing on the remarkable story of Ngāi Tahu, they uncover how generations carried the weight of grievance, how internal division weakened an otherwise formidable iwi, and how unity, pragmatism and forward thinking ultimately sparked extraordinary regeneration. From an infamous dog skin cloak feud to the full and final settlement that allowed Ngāi Tahu to move from loss into long-term growth, this episode looks at why the past matters, but also why staying anchored to it can quietly erode wellbeing, opportunity and financial resilience.  Tim and Nick connect these powerful historical lessons to the modern decisions families, investors, and business owners face every day, especially when emotions run high. At its heart, this conversation is about choosing where to invest your energy. Whether navigating an inheritance dispute, a business breakdown or a long-held sense of imbalance, the Ngāi Tahu story offers a blueprint for letting go of what no longer serves you, coming together with clarity and purpose and building a future that compounds in your favour for generations.  (00:00:00) Intro: Tim opens the Waitangi special; context of Waitangi Day, Ngai Tahu, and the value of moving forward (00:01:18) Ngai Tahu grievance begins: Nick explains the Kemp Deed, £2,000 payment and 149 years of grievance (00:02:47) Dialect and pronunciation: Nick explains saying Kai Tahu vs Ngai Tahu (00:02:59) The dog skin cloak feud: Nick recounts Te Maiharanui, the family feud and its generational consequences (00:05:20 approx.) Internal division and Ngāti Toa attacks: How division weakened Kai Tahu before Te Rauparaha arrived (00:06:12) Te Kerēme — The Claim: The broken promises, missing reserves, hospitals and schools (00:09:16) Settlement lessons: Ngai Tahu’s strategic choice to settle for $170m and move forward (00:09:53) Balancing principle and future: Navigating grievance vs financial wellbeing (00:10:20) Emotional and financial cost of unresolved disputes: Stress, bandwidth, and stalled progress (00:11:35) Psychological shift: How Ngai Tahu became a governance model for other iwi (00:11:36–00:15:30) Modern NZ context: New migrants, national reflections, and choosing growth over grievance (00:15:58) Closing reflections: Lessons of Ngai Tahu for personal, whānau and financial planning Nick's book recommendation: Te Maiharoa and the Promised Land by Buddy Mikaere Music: Silent Lucidity by Queensryche The Adviser Talk is available on all major streaming platforms, including Spotify and Apple Music. Nick Stewart (Ngāi Tahu, Ngāti Huirapa, Ngāti Māmoe, Ngāti Waitaha) 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 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.

    20 min
  4. Nick on Self-Insurance - It Could Cost You More Than You Think

    JAN 22

    Nick on Self-Insurance - It Could Cost You More Than You Think

    Thinking of ditching insurance for a DIY 'stash away the premiums' approach? Self-insurance sounds smart, but is it really? In this episode, Tim and Nick unpack why skipping cover can backfire, the behavioural biases that trip us up, and why integrating risk management into your financial plan is essential for long-term security. (00:00:00) Intro: What is self-insurance and why it sounds appealing (00:00:57) Nick explains the concept and why people consider it (00:03:38) Inflation and rising costs make self-insurance risky (00:05:38) Behavioural biases: present bias and optimism bias (00:07:39) Why transferring risk to an insurer matters (00:09:35) Nick’s real-life claims story (00:11:02) $18,000 car repair and the ripple effect (00:11:30) $1.20 washer leads to $55,000 home damage (00:12:34) $28,500 medical costs (00:13:55) Why self-insuring would have failed in this scenario (00:15:54) The importance of holistic financial planning and insurance (00:18:10) Closing thoughts: seek advice and integrate risk management 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.

    20 min

  5. JAN 1

    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.nzThe 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

  6. 12/18/2025

    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 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.

    22 min

  7. 12/04/2025

    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 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.

    12 min

  8. 11/20/2025

    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 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.

    10 min
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About

The Adviser Talk is where real conversations about money meet real life. Hosted by Stewart Group’s financial advisers, the podcast takes a thoughtful look at what is happening in markets, news, and everyday finances, and what it actually means for people trying to make good long-term decisions. From investing pitfalls and insurance myths to the emotional side of money and lessons drawn from history, each episode is practical, grounded, and refreshingly honest. Expect clear thinking, relatable examples, and the occasional unexpected story, all aimed at helping you feel more confident about your financial choices. Got a topic you would like us to explore? Email us anytime You’ll find CEO Nick Stewart our most frequent flyer in the hot seat – Nick is a Financial Adviser, Accredited Investment Fiduciary, Associate Financial Planner of Financial Advice New Zealand, 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-affiliated 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
    213
  • Rating
    Clean
  • Copyright
    © All rights reserved
  • Show Website
    The Adviser Talk