Cheques and Balances
Cheques and Balances
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Whether you're buying your first home, tackling debt, or building long-term wealth, we’ll show you how to make smarter money moves. With over 20 years of combined experience as qualified financial advisers, James Blair and Michael Vincent share straight-talking advice, practical strategies, and real conversations about money - all to help you take control of your financial future with confidence.
Επεισόδια
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The Future of New Zealand Business: Icehouse Ventures CEO Explains | Episode 551 18.10.2026 43λIs New Zealand entering a new era of business growth?We sit down with Robbie Paul, CEO of Icehouse Ventures, to explore the future of Kiwi entrepreneurship, the rise of billion-dollar businesses, the role of venture capital, and why New Zealand could be on the brink of its biggest era of innovation yet.Next steps: learn more about Icehouse Ventures and the Kiwi businesses they're backing.For more money tips, follow us on:FacebookInstagramThe content in this podcast is the opinion of the hosts. It should not be treated as financial advice. It is important to take into consideration your own personal situation and goals before making any financial decisions. -
Index Funds: Are You Taking More Risk Than You Think? | Episode 550 15.10.2026 22λThink your index fund is diversified? You might be taking on more risk than you realise.In this episode, we unpack the hidden risks of index investing, from the S&P 500's heavy exposure to the Magnificent Seven and the surprising decisions behind supposedly passive funds, to why diversification, portfolio structure and your stage of life matter more than simply chasing returns.KiwiSaver Comparison Calculator: See how your KiwiSaver fund stacks up against other providers and whether it's delivering competitive returns.5 Golden Rules of Investing: Explore James' five golden rules for building a diversified investment portfolio and managing risk over the long term. Want to know whether your investments are actually diversified? Get in touch with our Wealth team to review your portfolio, understand your risk exposure and make sure your investment strategy aligns with your long-term financial goals.For more money tips, follow us on:FacebookInstagramThe content in this podcast is the opinion of the hosts. It should not be treated as financial advice. It is important to take into consideration your own personal situation and goals before making any financial decisions.
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Why Property Isn’t Your Retirement Fund | Episode 549 13.10.2026 23λYou could be worth millions and still struggle to fund your retirement.We unpack why property wealth doesn't always translate into retirement income, the pros and cons of term deposits, bonds, cash funds and shares, and how to balance investment growth, risk and cash flow to fund the retirement lifestyle you actually want.Next Steps: Want to make sure your investments can fund the retirement lifestyle you're working towards? Get in touch with the Lighthouse Wealth team to build a retirement investment strategy tailored to your goals.Want to explore more ways to generate income in retirement? Check out MoneyHub’s guide here. For more money tips, follow us on:FacebookInstagramThe content in this podcast is the opinion of the hosts. It should not be treated as financial advice. It is important to take into consideration your own personal situation and goals before making any financial decisions.
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Why Foreign Millionaires Are Buying NZ Property Ft. Alex Martelli | Episode 548 10.10.2026 16λThe world's wealthy are turning their attention to New Zealand, and they're bringing serious money with them.Alex Martelli, founder of Martelli Buyer's Agents, joins us to unpack why wealthy international buyers are choosing New Zealand, the impact of the new investor visa rules, growing demand for luxury property in Auckland and Queenstown, and what an influx of foreign investment could mean for the housing market and wider economy.Thinking about buying your next home? Get in touch with Martelli Buyer’s Agents here. For more money tips, follow us on:FacebookInstagramThe content in this podcast is the opinion of the hosts. It should not be treated as financial advice. It is important to take into consideration your own personal situation and goals before making any financial decisions.
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Tax free KiwiSaver: Could you retire with double? | Episode 547 08.10.2026 24λTax-free KiwiSaver could mean millions more in retirement. But there's a catch.We unpack ACT's proposal to scrap tax on KiwiSaver investment earnings, including how compounding returns could dramatically increase retirement savings, the trade-off of losing Government Contributions, what it could mean for NZ Superannuation, and whether tax-free KiwiSaver could fundamentally change the way Kiwis invest, pay down debt and plan for retirement.Next Steps: Book a free consultation with our KiwiSaver team to review your setup.Compare your KiwiSaver provider's performance and fees with our free calculator.For more money tips, follow us on:FacebookInstagramThe content in this podcast is the opinion of the hosts. It should not be treated as financial advice. It is important to take into consideration your own personal situation and goals before making any financial decisions.
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Chris Hipkins Won’t Touch Interest Deductibility… But What About CGT? Ft. Matthew Harris | Episode 546 06.10.2026 20λInterest deductibility is staying… but property investors aren’t necessarily off the hook.We unpack Labour’s position on interest deductibility, the case for and against a capital gains tax, what future tax changes could mean for property investors and business owners, and whether tax should influence where you invest.Next Steps: If you’re investing in property or thinking about your next move, get in touch with the Lighthouse team to make sure you understand how the current tax rules affect your investment. For more money tips, follow us on:FacebookInstagramThe content in this podcast is the opinion of the hosts. It should not be treated as financial advice. It is important to take into consideration your own personal situation and goals before making any financial decisions.
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NZ’s Economy in 2027: Is the Recovery Finally Coming? Ft. Jarrod Kerr | Episode 545 03.10.2026 37λCould 2027 finally be the year New Zealand’s economy turns a corner?Kiwibank Chief Economist Jarrod Kerr joins us to unpack the outlook for growth, inflation and interest rates, what could happen to the property market, the economic impact of the election, and why infrastructure investment could be critical to getting New Zealand moving again.Next Steps: Want to make sure your finances are positioned for whatever 2027 brings? Get in touch with the Lighthouse team to build a strategy around your property, investments, mortgage and wider financial goals.For more money tips, follow us on:FacebookInstagramThe content in this podcast is the opinion of the hosts. It should not be treated as financial advice. It is important to take into consideration your own personal situation and goals before making any financial decisions.
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Kiwis Are Changing How They Invest: Here’s Why Ft. Oliver Mander | Episode 544 01.10.2026 26λThe way Kiwis invest their money is changing. We sit down with Oliver Mander, Chief Executive of the New Zealand Shareholders Association, to unpack the shift from direct shares towards funds, KiwiSaver and overseas markets, the rise of DIY investing, and whether Kiwis are making the right decisions with their money.Next Steps: Want to take your investing knowledge a step further? Join us at the NZSA Conference in Wellington on the 22nd and 23rd of October - use code Lighthouse30 for 30% off your ticket.If you’re investing but aren’t sure whether your portfolio actually aligns with where you want to go, speak with the Lighthouse Wealth team about building an investment plan around your goals.For more money tips, follow us on:FacebookInstagramThe content in this podcast is the opinion of the hosts. It should not be treated as financial advice. It is important to take into consideration your own personal situation and goals before making any financial decisions.
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Bought at the 2021 Peak? Here’s What You Can Do Next | Episode 543 29.09.2026 21λBought in 2021 and feel stuck? You might have more options than you think.We break down what it takes to move on from a property bought near the market peak, including buying with less than 20% equity, low-equity lending costs, servicing requirements, getting pre-approved, selling and buying at the same time, and when staying put could make more sense.Next Steps:Watch our previous episode for more context on navigating your next move in the property market.Use our mortgage repayment calculator to see what your repayments could look like on your next home.Want to understand your options? Book a quick chat with Mike and the Lighthouse mortgage team.For more money tips, follow us on:FacebookInstagramThe content in this podcast is the opinion of the hosts. It should not be treated as financial advice. It is important to take into consideration your own personal situation and goals before making any financial decisions.
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LIVE WEBINAR: Property Under Pressure, Rising Rates, Political Risk & Weak Growth 27.09.2026 1ώ 29λProperty is under pressure, but the headlines don’t tell the whole story.Mike Vincent, Adam Farrell, Lighthouse Property Director, and Grant Watson, Senior Buyers Advocate at Rethink Investing, unpack the latest residential and commercial property data, rising interest rates and lending conditions, election uncertainty, and the opportunities they’re seeing for investors across the market.If you’re considering your next property move and want to understand your lending position or where the opportunities could be, speak with the Lighthouse Mortgages or Property team.Want to discuss your next commercial property move? Get in touch with Grant and the Rethink Investing team. Learn more about Rethink Investing and how they help investors navigate commercial property opportunities.For more money tips, follow us on:FacebookInstagramThe content in this podcast is the opinion of the hosts. It should not be treated as financial advice. It is important to take into consideration your own personal situation and goals before making any financial decisions.
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NZ Businesses Are Going Broke: Is the Worst Yet to Come? Ft. Brent Norling | Episode 542 26.09.2026 38λNew Zealand businesses are still feeling the fallout and the worst may not be over yet.Brent Norling, Director of Norling Law, joins James and Mike to unpack rising business liquidations, billions in overdue tax debt, the pressure facing construction and hospitality, why businesses are still dealing with the fallout from Covid, and what struggling owners can do before it’s too late.If your business is under pressure, dealing with unpaid debt or facing insolvency, get in touch with Brent and the team at Norling Law to understand your options early. For more money tips, follow us on:FacebookInstagramThe content in this podcast is the opinion of the hosts. It should not be treated as financial advice. It is important to take into consideration your own personal situation and goals before making any financial decisions.
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How to Retire 10 Years Earlier | Episode 541 24.09.2026 23λWhat would it actually take to retire 10 years earlier?In this episode, we break down the three big levers that could get you there - paying off your mortgage faster, getting control of your spending and consistently investing - before running the numbers on what retiring at 55 could actually look like for a Kiwi couple.Next Steps: Want to know what your own path to financial freedom could look like? Get in touch with our Wealth team to build a plan around your retirement goals. MoneyHub Retirement GuideCheck out MoneyHub’s guide and resources on planning for retirement.KiwiSaver Comparison ToolMake sure your KiwiSaver is working as hard as you are with our KiwiSaver comparison tool.Mortgage Interest CalculatorUse our mortgage interest calculator to see how much interest you could pay over the life of your loan.PocketSmith DiscountWant to get a better handle on where your money is going? Use our PocketSmith discount code to start tracking your spending and get your budget sorted.For more money tips, follow us on:FacebookInstagramThe content in this podcast is the opinion of the hosts. It should not be treated as financial advice. It is important to take into consideration your own personal situation and goals before making any financial decisions.
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The Risk of Getting a Property Valuation Right Now | Episode 540 22.09.2026 18λA property valuation can open up your options or make your next move a whole lot harder.In this episode, we unpack when getting a registered valuation makes sense, how falling property values affect usable equity, what to do if a valuation comes in lower than expected, and why having less than a 20% deposit doesn’t necessarily stop you from buying your next home.Next Steps: If you’re thinking about your next property move and want to understand your equity and borrowing options, speak with our Lighthouse Mortgage team.For more money tips, follow us on:FacebookInstagramThe content in this podcast is the opinion of the hosts. It should not be treated as financial advice. It is important to take into consideration your own personal situation and goals before making any financial decisions.
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NZ Property Market: Forget 7% Property Growth. Is 3% the New Normal? Ft. Nick Goodall | Episode 539 19.09.2026 41λHas New Zealand’s property market finally reset?Nick Goodall, Head of Research at Cotality, joins James and Mike to unpack what’s changed since the 2021 property boom, from improving mortgage affordability and regional differences to investor returns, economic confidence and what realistic house price growth could look like from here.Next Steps: Explore Cotality’s latest Pain & Gain Report Learn more about Cotality and its latest research and insights into the New Zealand property market.If you’re thinking about buying, investing or making your next move in the property market, get in touch with the Lighthouse Mortgage or Property team to understand your options and build a strategy around where the market is today.For more money tips, follow us on:FacebookInstagramThe content in this podcast is the opinion of the hosts. It should not be treated as financial advice. It is important to take into consideration your own personal situation and goals before making any financial decisions.
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Could Helping Your Kids Ruin Your Retirement? | Episode 538 17.09.2026 24λHelping your kids shouldn’t come at the cost of your retirement. James and Jess unpack the Bank of Mum and Dad, how much support is too much, the difference between giving your kids a head start and funding their lifestyle, and how to work out what you can actually afford to give without compromising your own financial future.Next Steps: see if you’re on track for retirement with our free Retirement Calculator.Listen to our previous episode exploring why family wealth is often lost across generations.If you want to help your kids without putting your own retirement at risk, get in touch with the Lighthouse Wealth team to build a financial plan around what you can actually afford to give. For more money tips, follow us on:FacebookInstagramThe content in this podcast is the opinion of the hosts. It should not be treated as financial advice. It is important to take into consideration your own personal situation and goals before making any financial decisions.
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Mortgage Application Declined? What to Do When the Bank Says No | Episode 537 15.09.2026 24λA no from the bank doesn’t always mean you can’t borrow.We break down what happens when a mortgage application is declined, from specialist and second-tier lenders to full doc, alt doc and no doc loans, why some borrowers pay significantly higher interest rates, and the importance of having a clear exit strategy back to a main bank.Next Steps: If the bank has said no to your mortgage, it doesn’t necessarily mean you’re out of options - get in touch with the Lighthouse mortgage team to talk through your situation and what other lending options could be available.For more money tips, follow us on:FacebookInstagramThe content in this podcast is the opinion of the hosts. It should not be treated as financial advice. It is important to take into consideration your own personal situation and goals before making any financial decisions.
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NZ Economy 2026: Is the Worst Finally Over Ft. Brad Olsen | Episode 536 12.09.2026 54λIs the worst finally behind the New Zealand economy?Infometrics Principal Economist Brad Olsen joins James and Mike to unpack where the NZ economy really stands, from stubborn inflation and unemployment at an 11-year high to rising interest rates, the OCR, economic growth, the property market and what needs to happen before Kiwis finally start feeling better off.For more money tips, follow us on:FacebookInstagramThe content in this podcast is the opinion of the hosts. It should not be treated as financial advice. It is important to take into consideration your own personal situation and goals before making any financial decisions.
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The 10 Most Critical Years in Retirement ft. Ben Brinkerhoff | Episode 535 10.09.2026 43λSaving enough for retirement is only half the battle - knowing when to spend it could be just as important.James sits down with Ben Brinkerhoff, Head of Advice at Consilium, to unpack why the first 10 years of retirement matter so much, the psychology that stops retirees spending their wealth, how retirement spending changes with age, preparing for market downturns, and why your 40s and 50s could be some of the most important years for building towards a comfortable retirement.Read the article: Learn how retirement bucketing can give you permission to spend. Read the J.P. Morgan study: See how spending changes throughout retirement. Get in touch with Lighthouse Financial to build a financial plan designed around your goals and future. Learn more about Consilium For more money tips, follow us on:FacebookInstagramThe content in this podcast is the opinion of the hosts. It should not be treated as financial advice. It is important to take into consideration your own personal situation and goals before making any financial decisions.
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National Expands 5% Deposits for First Home Buyers: Does It Stack Up? | Episode 534 08.09.2026 24λA 5% deposit could get thousands more Kiwis into their first home - but is it really as good as it sounds?James and Mike unpack National’s proposed changes to the First Home Loan scheme, including the new $300,000 income threshold, what buying with just 5% actually looks like, the risks of taking on more debt, and whether bringing more first-home buyers into the market could ultimately push property prices higher.Next Steps:Buying your first home? Download our free First Home Buyers Guide to help you get started. Ready to take the next step? Get in touch with the Lighthouse Mortgages team to understand your options. For more money tips, follow us on:FacebookInstagramThe content in this podcast is the opinion of the hosts. It should not be treated as financial advice. It is important to take into consideration your own personal situation and goals before making any financial decisions.
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OCR Hike: The 5 Factors Driving Mortgage Rates | Episode 533 05.09.2026 18λThe OCR is up but that doesn’t tell you the whole story about where mortgage rates are heading.James and Mike break down what actually determines your interest rate, unpacking the OCR, swap rates, wholesale funding, customer deposits and bank competition, before looking at what rising rates could mean for borrowers and the property market.Next Steps: Want to understand what rising rates could mean for your mortgage? Speak to Mike and the Lighthouse Mortgages team about your options. For more money tips, follow us on:FacebookInstagramThe content in this podcast is the opinion of the hosts. It should not be treated as financial advice. It is important to take into consideration your own personal situation and goals before making any financial decisions.
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