Podcasts about risk insurance

What can a World War I fighter pilot teach you about investing? The Red Baron built his success on discipline, structure, and stacking the odds in his favour, but lost everything in a single moment of emotion. In this episode, Tim and Nick explore how investors face the same temptations, and why diversification, low costs, liquidity, and rebalancing matter most when markets feel easy. Tune in for a powerful reminder that the biggest risk to your wealth is not the market, it is your behaviour.(00:01:43) Nick's fascination with the Red Baron and personal connection(00:04:16) Core combat rules: stacking odds and disciplined decision making(00:08:26) Psychological edge: the significance of the red plane(00:11:51) Investing parallel: diversification as numerical superiority(00:13:07) Fees, liquidity, and the impact of cost on returns(00:15:03) Rebalancing and managing behavioural bias(00:17:09) Facing market downturns with discipline, not emotion(00:20:47) What led to the Red Baron's downfall(00:23:53) Lessons from his downfall: abandoning proven principles(00:25:17) Final lessons for investors: avoid overconfidence and stick to principlesNick 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 visiting our website, www.stewartgroup.co.nz Hosted on Acast. See acast.com/privacy for more information.

What happens when a “sure thing” goes spectacularly wrong? In this episode of AdviserTalk, Tim and Nick unpack Scotland's disastrous Darien Scheme, a moment when an entire nation bet its future on a single idea. Through this powerful historical story, they explore why high conviction often leads to dangerous concentration, how households repeat the same mistake today, and why resilience, diversification and liquidity matter more than confidence in any one plan.(00:01:46) Why Scotland's Darien Scheme felt like a sure thing(00:02:03) How a single investment led to the loss of Scottish independence(00:03:49) The original vision to control global trade through Panama(00:05:01) National pride and why so many people invested(00:06:58) How much of Scotland's wealth was really at stake(00:08:53) The reality on the ground, disease, conflict and isolation(00:09:36) Collapse of the scheme and national financial ruin(00:10:55) The household version of the Darien mistake(00:12:25) Modern examples of over concentration in family wealth(00:14:02) The key question every investor should ask about risk and resilienceNick 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 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.

Why do so many investors stick with strategies that feel right, even when the evidence says otherwise? In this episode of Adviser Talk, Tim and Nick use Plato's allegory of the cave to explain why chasing hot funds, star managers, and market timing is so hard to let go of. They unpack the latest New Zealand SPIVA data, explore how psychology and media keep investors stuck in the shadows, and explain what stepping into the light really looks like in practice.(00:00:22) Why investors trust familiar stories over evidence and data (00:01:38) Why this topic matters and why history is relevant (00:02:07) Plato's cave explained and how it maps to investor behaviour (00:05:10) What SPIVA is and what the New Zealand data really shows (00:06:44) Active vs passive in NZ markets, home turf still underperforms (00:08:40) Human nature, pattern seeking and why investors believe they can win (00:09:46) Why trying to beat the market is not investing (00:10:09) Media influence, clickbait and fear driven financial decisions (00:11:52) What to look for in a financial adviser, fiduciary duty and independence (00:13:23) Investing is about behaviour, not intelligenceNick 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.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.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.

Lost super, KiwiSaver myths, and smarter investing explained simply. In this revisit episode from May 2024, Paula Intercot joins Adviser Talk to discuss transferring Australian super to New Zealand, choosing the right KiwiSaver approach for your life stage, and how complementary investment options can support your financial goals.Paula breaks down the often-overlooked process of transferring Australian superannuation to New Zealand and maximizing your retirement savings. Whether you're a returning Kiwi with Australian super, looking to optimize your KiwiSaver strategy, or exploring additional investment vehicles, this episode provides practical insights for making smarter money decisions. Paula's expertise shines through as she simplifies complex financial processes and explains how global diversification works within New Zealand-based funds.Perfect for anyone seeking clarity on retirement planning, investment strategies, or navigating the transfer of overseas superannuation funds.Note to listeners:At (00:05:01) Paula discusses the KiwiSaver government contribution and contribution amounts. Please note this episode was recorded prior to recent changes to the government contribution, and the figures mentioned may no longer be current. For the latest eligibility criteria and contribution amounts, we recommend checking official government guidance or speaking with a financial adviser about your individual circumstances.(00:01:17) What Australian super is and how it compares to KiwiSaver(00:01:32) Why transferring Australian super to New Zealand can be beneficial(00:02:05) Clearing up misconceptions about diversification and investment returns(00:02:25) What happens to your Australian super when you return to New Zealand(00:03:03) The scale of lost and unclaimed super in Australia(00:03:24) How Stewart Group helps clients transfer Australian super(00:03:55) Accessing the Australian portion of KiwiSaver before age 65(00:04:46) How long the Australian super transfer process usually takes(00:05:01) KiwiSaver explained and how it works for retirement(00:06:20) Conservative, balanced and growth KiwiSaver investment options(00:07:51) What the ACI fund is and how it works alongside KiwiSaver(00:08:43) When to review your investments and speak to an adviserPaula Enticott is a Financial Adviser at Stewart Group, a Hawke's Bay and Wellington-based CEFEX-certified financial planning and advisory firm. Stewart Group provides personal fiduciary services, Wealth Management, Risk Insurance & KiwiSaver solutions. The information provided, or any opinions expressed in this article, 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.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.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.

For many farming families, the Fonterra payout is more than cash. It is a strategy moment.In this episode, we unpack why real returns matter, how diversification beyond the farm gate builds resilience, and why independent advice early can change outcomes for decades.(00:00:15) Intro: Fonterra capital return and why this is a major strategy moment for farming families(00:01:58) First reaction to a lump sum and why rushing decisions can destroy long-term outcomes(00:02:44) Lotto winners, squandered wealth and the dangers of unplanned windfalls(00:03:01) Why farmers need diversification beyond the farm gate(00:04:32) Guardrails before the money arrives and the value of early independent advice(00:05:54) Building intergenerational wealth rather than focusing on a single asset(00:06:26) Headline returns versus real returns once inflation and tax are considered(00:07:48) Emotional cost of uncertainty, stress, sleep and family decision making(00:09:24) Risks of reinvesting everything into one asset, even a good one(00:10:11) Liquidity explained and why accessible capital creates better options(00:11:48) What quality advice looks like and how to test if advice is truly client first(00:12:24) Key takeaway: a windfall does not create wealth, a plan does(00:13:26) Closing thoughts and why planning early leads to long-term confidenceThe 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.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.

This episode of All Things Wildfire, we sit down with wildfire expert and insurance innovator Paul Brady of Green Shield to break down one of the most urgent challenges facing homeowners today: insurability in wildfire-prone areas. From behind-the-scenes insights into how insurance decisions are actually made (in seconds, not hours), to the emerging concept of conflagration risk, this conversation uncovers the real drivers shaping the insurance market—and what homeowners must do to stay ahead. We explore how wildfire modeling is evolving, why defensible space is more critical than ever, and how certifications like IBHS are becoming the gold standard for getting insured. Most importantly, we discuss the mindset shift required: wildfire mitigation is no longer optional—it's a way of life. If you live in California, Colorado, or any wildfire-prone region, this episode will change how you think about your home, your risk, and your future. Show Notes Key Topics Covered: Why wildfire insurability is a growing global crisis The difference between admitted vs. E&S insurance markets How insurance underwriting decisions happen in seconds at scale The truth about IBHS certification and why it matters Defensible space and the critical 0–5 foot zone The rise of conflagration risk (home-to-home fire spread) Why your neighbor's property can impact your insurance eligibility The role of technology, AI, and aerial imagery in underwriting The emotional vs. practical tradeoffs homeowners face What needs to happen for insurance markets to stabilize What You'll Learn: Why "doing a few improvements" may not be enough to get insured How insurance carriers actually evaluate your property The #1 overlooked factor that determines whether your home burns Why wildfire models are still "immature" compared to other risks What must happen for insurance companies to return to high-risk areas About the Guest: Paul Brady is a wildfire risk expert and part of Green Shield, a company combining fire service experience, advanced analytics, and insurance solutions to make properties more insurable. Their technology helps insurers evaluate wildfire risk at scale and helps homeowners understand what it takes to qualify for coverage.  

Natalie Chiaramonte, President of Sovereign Risk Insurance, joins Tellimer Founder & CEO Duncan Wales to discuss how political risk insurance functions as a critical enabler of long-term investment and lending in emerging markets. Drawing on Natalie's expertise in sovereign credit and trade finance, the conversation examines how underwriters assess sovereign creditworthiness beyond the numbers, weighing political stability, institutional quality, and policy credibility alongside the hard data. They explore how the business approaches multi-year financing commitments in volatile environments, why remaining a consistent and reliable partner through periods of stress is central to the sovereign risk model, and what distinguishes disciplined underwriting from opportunistic risk taking. The episode also covers how emerging market resilience has structurally improved since 2022, the role political risk insurance plays in mobilising private capital into otherwise uninvestable markets, and why the product is increasingly seen as a foundational tool for sustainable EM investment.The Emerging Markets Podcast by ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Tellimer⁠⁠⁠⁠⁠⁠⁠⁠ – Emerging Markets, Connected. Check out the full Tellimer offering ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. The Emerging Markets Podcast dives into a range of topics in the emerging and frontier market world including investment themes, debt restructuring, elections, and geopolitical tensions.DISCLAIMERThis podcast is provided for information purposes and represents the personal opinions of the speakers. It is not an offer or solicitation for investment in any securities, nor should it be regarded as investment advice. Tellimer Technologies Limited does not offer or provide advice and no mention of a particular security in this podcast constitutes a recommendation to buy, sell or hold that or any security, portfolio of securities, or enter any transaction or investment strategy. Nor is any such mention an indication that any investment is suitable for any specific person.For more information, please visit ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Tellimer.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. 

DIY investing is easier than ever, with ETFs and online platforms giving many New Zealanders confidence to manage their own portfolios. Returns can look strong, and progress can feel real, but this episode asks a critical question: Are you actually building wealth once tax is taken into account?Rory and Tim explore the gap between gross returns and what you keep after tax. They unpack bracket creep, overseas investment tax rules, and why multiple income sources can lead to unexpected outcomes. The discussion highlights why coordination matters, why splitting advice can create blind spots, and how focusing on after tax outcomes helps investors make more intentional long-term decisions.(00:00:18) Welcome to Advisor Talk: DIY investing rise and the question of actual returns vs perceived success(00:01:57) Why DIY investing has become popular with New Zealanders over the past decade(00:02:53) Gross returns vs net returns: What investors naturally focus on and barbecue bragging rights(00:03:20) Behavioural finance and herding mentality around investment trends(00:04:04) Tax bracket creep explained: Why it catches people by surprise at tax time(00:05:04) Cash flow issues from unexpected tax bills and the role of financial advisors(00:06:04) FIF rules (Foreign Investment Fund): Common misconceptions about overseas investment taxation(00:07:14) Problems with splitting money across multiple advisors: Tax and advice perspective issues(00:08:41) Key mindset shift: Working with independent financial advisors for real after-tax wealth(00:08:54) Russell Investments survey: 4.7% value of financial advice over market returns(00:09:57) Big takeaway: DIY investing isn't the problem, but the rules have changed(00:10:47) Final advice: Reach out to independent financial advisors acting as fiduciaries(00:11:01) Closing: Podcast wrap-up and disclaimer informationThe 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.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.

When ideology replaces analysis, the locusts arrive.From sparrow eradication to interest rate shocks, Nick draws parallels between Mao's disastrous Four Pests Campaign and modern Kiwi property investing. Rising interest rates, disappearing equity, and the danger of doubling down on beliefs instead of data. If you own property or plan to, this conversation matters.Time stamps:(00:00:00) Intro: From sparrows to mortgages, setting up the investing analogy(00:00:58) Crusades, history and modern parallels(00:02:19) Confidence over competence, modern Kiwi investing mistakes(00:02:39) The New Zealand property mantra, safe as houses under scrutiny(00:04:49) Falling equity, negative equity and why mobility disappears(00:05:39) Mao's Four Pests Campaign and the war on sparrows(00:06:38) The unintended consequences, sparrows gone and locusts arrive(00:07:35) Doubling down on bad ideas, ideology replacing science(00:08:30) Soviet science, Lysenko and the dangers of false fundamentals(00:09:34) Debt serviceability and stress testing interest rates(00:09:36) Yield versus cost and Minsky's concept of Ponzi finance(00:10:45) Supply, demand and zoning changes impacting property values(00:11:55) Demographic shifts, migration and changing buyer demand(00:13:05) How to avoid being the sparrow killer, testing assumptions(00:13:45) Wise counsel, ignoring hype and keeping investing grounded(00:14:10) Closing reflections, fundamentals always winNick's book recommendation: Crusades by Dan JonesMusic: One Country – Midnight OilThe 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.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.

AI is becoming a new “peril” for the enterprise (like a fire or flood), except it can trigger losses across privacy, cybercrime, business interruption, media liability, and even professional liability. So here's the real question: can AI risk actually be insured? What happens when it isn't? In this episode of Today in Tech, host Keith Shaw sits down with Josh Motta, co-founder and CEO of Coalition, to break down what “AI insurance” really means today, why cyber insurance is the closest thing most companies have, and where coverage gaps are already showing up (including professional liability exclusions and AI-driven mishaps that may not be covered at all). You'll learn: * What kinds of AI incidents may already be covered under cyber, E&O, or other policies * Where insurers are starting to add exclusions—and why * How deepfakes and AI-powered fraud are changing real-world claims * Why legal exposure and privacy enforcement may be the sleeper risk in 2026 * The key questions CIOs, CISOs, and CFOs should ask before an AI incident becomes a financial crisis

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 habitsNick's book recommendation: Jerusalem by Simon Sebag Montefiore | Paper PlusMusic: 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 Hosted on Acast. See acast.com/privacy for more information.

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 goalsThe 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 Hosted on Acast. See acast.com/privacy for more information.

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 planningNick's book recommendation: Te Maiharoa and the Promised Land by Buddy MikaereMusic: Silent Lucidity by QueensrycheThe 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 Hosted on Acast. See acast.com/privacy for more information.

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 managementThe 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.

What do you consider your biggest asset, and is it covered?Featuring Tim Ewan, Risk Insurance Manager at Stewart Group, we discuss the significance of income protection insurance for New Zealanders, the limitations of ACC, and the roles of different types of personal insurance.Tim explains why income protection is vital, how trauma and TPD cover work, the impact of non-accidental conditions, and practical steps for choosing the right cover.Tune in now and ensure you are covered where it matters most. Important Time Stamps(00:02:03) Why income protection insurance is important for everyday New Zealanders.(00:03:23) ACC coverage explained, and its limitations compared to private income protection.(00:04:37) Overview of personal insurance types: life, trauma, TPD, and income protection.(00:08:12) The impact of insurance events and why planning ahead matters.(00:09:10) How insurance payouts can relieve stress and aid recovery.(00:10:05) ACC statistics: non-accidental conditions, workdays lost and how income protection fills gaps not covered by ACC.(00:12:35) First steps for people considering insurance: importance of good advice, regular insurance reviews and claiming when eligible.(00:16:00) Final thoughts: protecting your income and choosing the right cover.The Adviser Talk is available on all popular streaming platforms, including Spotify and Apple Podcasts. Tim Ewen is a Risk Insurance Manager at Stewart Group, a Hawke's Bay and Wellington-based CEFEX-certified financial planning and advisory firm. Stewart Group provides personal fiduciary services, Wealth Management, Risk Insurance & KiwiSaver solutions. The information provided, or any opinions expressed in this show, are of a general nature only and should not be construed or relied on as a recommendation to invest in a financial product or class of financial products. You should seek financial advice specific to your circumstances from an Authorised Financial Adviser before making any financial decisions. A disclosure statement can be obtained free of charge by calling 0800 878 961 or visiting our website, www.stewartgroup.co.nz Hosted on Acast. See acast.com/privacy for more information.

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 resilienceThe 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.

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 automateThe Adviser Talk is available on all popular streaming platforms, including Apple and Spotify.Rory O'Neill is a Financial Adviser as well as the Director and General Manager at Stewart Group, a Hawke's Bay and Wellington-based CEFEX-certified financial planning and advisory firm. Stewart Group provides personal fiduciary services, Wealth Management, Risk Insurance & KiwiSaver solutions. The information provided, or any opinions expressed in this show, are of a general nature only and should not be construed or relied on as a recommendation to invest in a financial product or class of financial products. You should seek financial advice specific to your circumstances from an Authorised Financial Adviser before making any financial decisions. A disclosure statement can be obtained free of charge by calling 0800 878 961 or visit our website, www.stewartgroup.co.nz Hosted on Acast. See acast.com/privacy for more information.

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 strategyThe Adviser Talk is available on all major streaming platforms, including Spotify and Apple Music.Bruce Jenks is a Financial Adviser at Stewart Group, a Hawke's Bay and Wellington-based CEFEX-certified financial planning and advisory firm. Stewart Group provides personal fiduciary services, Wealth Management, Risk Insurance and KiwiSaver solutions.The information provided, or any opinions expressed in this show, are of a general nature only and should not be construed or relied on as a recommendation to invest in a financial product or class of financial products. You should seek financial advice specific to your circumstances from an Authorised Financial Adviser before making any financial decisions. A disclosure statement can be obtained free of charge by calling 0800 878 961 or visit our website, www.stewartgroup.co.nz Hosted on Acast. See acast.com/privacy for more information.

Can even the smartest minds outsmart market mania?Sir Isaac Newton lost a fortune in the South Sea bubble—proof that FOMO can derail even genius.In this episode, Tim and Nick unpack what Newton's misstep teaches us about bubbles, herd behaviour and today's hype-driven markets. Discover why diversification, discipline and wise counsel remain your best defence against financial folly.Important time stamps:(00:00:37) Intro: Newton's investment mistake and market bubbles(00:01:33) Why bubbles happen and why they're hard to spot(00:03:22) What Newton's South Sea bubble experience reveals about investor behaviour(00:03:38) Deep dive into the South Sea bubble and Newton's costly mistake(00:06:49) Newton's famous quote on human behaviour and markets(00:08:14) Parallels between historical bubbles and today's AI boom(00:11:36) Why predicting winners is nearly impossible(00:11:48) Strategies to counter FOMO and avoid poor decisions(00:13:30) Diversification as the best defence against market uncertainty(00:14:46) Role of financial advisers in preventing big mistakes(00:17:33) Closing thoughts: humility, discipline and diversificationThe Adviser Talk is available on all popular streaming platforms, including Spotify and Apple.Nick Stewart is a Financial Adviser and CEO at Stewart Group, a Hawke's Bay and Wellington-based CEFEX-certified financial planning and advisory firm. Stewart Group provides personal fiduciary services, Wealth Management, Risk Insurance and KiwiSaver solutions.The information provided, or any opinions expressed in this show, are of a general nature only and should not be construed or relied on as a recommendation to invest in a financial product or class of financial products. You should seek financial advice specific to your circumstances from an Authorised Financial Adviser before making any financial decisions. A disclosure statement can be obtained free of charge by calling 0800 878 961 or visit our website, www.stewartgroup.co.nz Hosted on Acast. See acast.com/privacy for more information.

WHAT happens if you don't buy cyber risk insurance? Well, Jaguar Land Rover certainly found out earlier this year. The luxury carmaker was hit by a devastating cyber attack in late August, causing it to shut down its production lines for more than four weeks and costing it £50m a week. It only got things back to normal in early October. It was initially forced to withhold payments from suppliers. That is no small matter, given that the automotive parts supply chain, which famously runs on the just-in-time model, supports 200,000 jobs in the UK. It even had to turn to its bankers to secure a £2bn funding facility, which won't have come cheap. On top of all that, the government saw no choice but to step in with a £1.5bn credit guarantee, simply to avoid the potential economic fallout. Other recent victims of cyber crime include Heathrow Airport and high street retailers Marks & Spencer and the Co-op. Many big players in the maritime industries have also been on the receiving end, from boxship giants Maersk, MSC and CMA CGM to ports giant DP World and top broker Clarksons. A recent report from IBM, which examined data breaches experienced by about 600 organisations worldwide, put the average cost of an incident at $4.4m (or £3.3m). What is clear is that cyber risk is a growing threat, as hackers becoming increasingly more sophisticated. This special joint Insurance Day/Lloyd's List podcast will look at how insurance can at least mitigate the worst impacts for companies in both the maritime and wider business sectors. Joining Insurance Day reporter Queenie Shaikh are: Robert Dorey, chief executive, Astaara William Altman, director, CyberCube Stephen Wares, head of international underwriting, Coalition Subscribe to Lloyd's List: https://www.lloydslistintelligence.com/products/lloyds-list Learn more about Lloyd's List Intelligence: https://www.lloydslistintelligence.com/

Is your KiwiSaver working hard enough for your future?KiwiSaver should be part of a broader, holistic financial strategy—not a standalone account. Many Kiwis opt for overly cautious KiwiSaver options because they're not considering their entire asset mix.Tune in as Tim and Rory discuss how aligning your investments, property, insurance, and income can set you up for long-term retirement success. Important time stamps:(00:00:00) Episode and guest introduction(00:00:52) Importance of viewing KiwiSaver as part of a holistic financial picture(00:01:27) New Zealand's traditional approach to retirement planning and asset allocation(00:02:43) KiwiSaver as a growth asset and restructuring asset allocation(00:03:35) Explaining 'whole of wealth' and its practical implications(00:05:04) Challenges of fragmented financial advice and benefits of integrated planning(00:06:33) Impact of home ownership and mortgage on KiwiSaver strategy(00:07:46) Retirement flexibility and managing KiwiSaver post-65(00:08:42) Common mistakes in KiwiSaver fund selection and conservative allocations(00:10:05) Life changes and the need to adjust KiwiSaver strategy over time(00:10:37) Benefits of holistic financial advice over siloed providers(00:11:21) Financial planning for young individuals starting their journeyThe Adviser Talk is available on all popular streaming platforms, including Spotify and Apple Podcasts. Rory O'Neill is a Financial Adviser as well as the Director and General Manager at Stewart Group, a Hawke's Bay and Wellington-based CEFEX-certified financial planning and advisory firm. Stewart Group provides personal fiduciary services, Wealth Management, Risk Insurance & KiwiSaver solutions. The information provided, or any opinions expressed in this show, are of a general nature only and should not be construed or relied on as a recommendation to invest in a financial product or class of financial products. You should seek financial advice specific to your circumstances from an Authorised Financial Adviser before making any financial decisions. A disclosure statement can be obtained free of charge by calling 0800 878 961 or visit our website, www.stewartgroup.co.nz Hosted on Acast. See acast.com/privacy for more information.

In this episode of Bulletproof Your Marketplace, Jeremy Gottschalk dives into one of the most critical yet often misunderstood aspects of scaling digital platforms: insurance program and policy design. Joined by Garrett Johnston, Senior Vice President at Marsh with more than 25 years of experience in the commercial insurance industry, They explore how insurance can serve not just as a compliance requirement but as a strategic tool for managing risk, building user trust, and driving sustainable growth. Drawing on deep expertise working with major platforms like Uber, Lyft, and DoorDash, the conversation highlights how thoughtful insurance design can shape customer experience, regulatory relationships, and long-term scalability. Together, they unpack why partnering with brokers who truly understand the marketplace model is essential, the common pitfalls that lead to misaligned or overpriced coverage, and the core policies every startup should understand — including general liability, directors and officers (D&O), cyber, and errors and omissions (E&O). This episode offers a clear, actionable framework for founders, legal leaders, and trust and safety professionals seeking to balance innovation with protection and build marketplaces that are safer, stronger, and more resilient.

Is home ownership still the Kiwi dream, or has reality shifted?Featuring Brent Allcock, Financial Adviser, this episode dives into the realities of New Zealand's housing market in 2025. Tim and Brent discuss the impact of interest rates, wage growth, and inflation on home ownership, the causes and consequences of our housing correction, and whether owning property is still a realistic goal for young New Zealanders.How does New Zealand's market compare internationally? Tune in for expert perspectives and insights on navigating the evolving property market.The Adviser Talk is available on all popular streaming platforms, including Spotify and Apple Podcasts. Brent Allcock is a Financial Adviser at Stewart Group, a Hawke's Bay and Wellington-based CEFEX certified financial planning and advisory firm. Stewart Group provides personal fiduciary services, Wealth Management, Risk Insurance & KiwiSaver solutions. The information provided, or any opinions expressed in this show, are of a general nature only and should not be construed or relied on as a recommendation to invest in a financial product or class of financial products. You should seek financial advice specific to your circumstances from an Authorised Financial Adviser before making any financial decisions. A disclosure statement can be obtained free of charge by calling 0800 878 961 or visit our website, www.stewartgroup.co.nz Hosted on Acast. See acast.com/privacy for more information.

Whether you're earning a little or a lot, today we're unpacking how short-term thinking and our spending habits can cost us more than we realise.From the weekly budget trap to guilt-free online splurges, we explore the psychology behind our choices, the hidden cost of cheap goods, and how to align your money with your values.Tune in now and take control of your financial mindset.Important time stamps:(00:00:50) Episode and guest introduction (00:01:40) Short-term Budget Savings: Why people fall into the trap of buying cheaper items more often, even when it costs more in the long run.(00:02:27) Quality vs. Cheap Goods: The long-term value of buying quality goods versus cheap.(00:03:28) Shopping as Emotional Fulfilment: Shopping has shifted from a necessity to a form of emotional fulfilment or entertainment.(00:04:18) Hidden Costs of Cheap Goods: The hidden costs of buying cheap goods beyond just the price tag.(00:06:16) Disposable Product Mentality: Discussion on the mentality of disposable products and the inconvenience of returning online purchases.(00:08:41) B Corp Certification: What is it and how can it help consumers make more values-aligned choices?(00:10:06) Long-term Financial Planning: How you can start thinking more long-term with your money, even if you're on a tight budget.(00:12:22) Keeping Up with the Joneses: The risk of lifestyle creep and wanting to keep up with others.The Adviser Talk is available on all popular streaming platforms, including Spotify and Apple Podcasts. Rory O'Neill is a Financial Adviser as well as the Director and General Manager at Stewart Group, a Hawke's Bay and Wellington-based CEFEX-certified financial planning and advisory firm. Stewart Group provides personal fiduciary services, Wealth Management, Risk Insurance & KiwiSaver solutions. The information provided, or any opinions expressed in this show, are of a general nature only and should not be construed or relied on as a recommendation to invest in a financial product or class of financial products. You should seek financial advice specific to your circumstances from an Authorised Financial Adviser before making any financial decisions. A disclosure statement can be obtained free of charge by calling 0800 878 961 or visit our website, www.stewartgroup.co.nz Hosted on Acast. See acast.com/privacy for more information.

A "state-protected oligopoly" dominated by four major generator-retailers?In this episode, Nick Stewart, CEO and Tim Ewen, Risk Insurance Manager, delve into the complexities of New Zealand's electricity market, covering high energy prices, their impact on manufacturing and employment, and the historical context of policy failures. Explore the government's conflict of interest due to its shareholding in major energy companies, the limitations imposed by the single Installation Control Point (ICP) rule, and the benefits of distributed energy solutions.Have you noticed the parallels between New Zealand's energy market and the grocery sector? You're not alone - tune in to gain insights into the challenges and potential solutions for New Zealand's energy sector. Important time stamps:(01:14) Electricity Market and Oligopoly: Discussion on New Zealand's electricity market being a state-protected oligopoly and explanation of the government's shareholding in major energy companies.(02:41) High Energy Prices: Prime Minister Christopher Luxon's acknowledgment of high energy prices and the impact of high energy prices on manufacturing and employment.(06:00) Energy Generation and Supply Issues: The lack of investment in new energy generation, the historical context of energy market reforms and their impact.(21:00) Distributed Energy and Resilience: Benefits of distributed energy for community resilience and local energy generation.(23:37) Comparison with Grocery Sector: Parallels between the energy market and the grocery sector – the illusion of choice for consumers across both.(26:24) Peer-to-Peer Energy Networks: Nick's experience with a peer-to-peer energy network and insights from the solar community project.(29:19) Future Changes and Innovations: Suggestions for changes in the energy sector, including breaking up ICPs and investing in new generation.The Adviser Talk is available on all popular streaming platforms, including Spotify and Apple Podcasts. 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.

Join Tim Ewen, risk insurance manager, and Rory O'Neill, Financial Adviser, Director and General Manager of Stewart Group, as they delve into the pressing issue of the Reserve Bank's recent OCR cut and its implications for financial planning in New Zealand.In this episode, Tim and Rory share their insights on how the OCR cut is impacting interest rates, the importance of diversifying investments, and the challenges faced by young Kiwis in the current economic climate.The conversation covers the reasons behind the OCR cut, its contribution to national inflation, and the broader economic implications. Tim and Rory also explore the significance of setting long-term financial goals, the need for an emergency fund, and the benefits of consulting a financial advisor.Tune in to gain a deeper understanding of how the Reserve Bank's decisions affect your finances and what you can do to navigate your financial journey responsibly.Read the full 'Navigating New Zealand's Economic Crossroads' article HERETime Stamps:Introduction and Overview00:00:59 - Introduction and overview of the podcast episodeOCR Cut and Interest Rates00:01:22 - Discussion on the ongoing downward trajectory in the official cash rate (OCR) and its impact on struggling Kiwis00:01:57 - The obsession with interest rates and their impact on mortgages, term deposits, and property investmentsInvestment Strategies and Diversification00:03:17 - Questioning past investment strategies in property and their relevance today00:03:44 - The dangers of relying solely on property for wealth generation and the importance of diversificationUnemployment and Economic Challenges00:07:13 - Addressing the rising unemployment rate and its implications00:07:39 - The impact of rising unemployment on businesses and the economyChallenges for Young Kiwis00:08:44 - Challenges young Kiwis face in home ownership and their tendency to leave the country00:09:20 - The lack of opportunities for young people in New Zealand and their decision to move overseasFinancial Planning Advice00:12:15 - Financial planning advice for different types of listenersThe Adviser Talk is available on all popular streaming platforms, including Spotify and Apple Podcasts. Rory O'Neill is a Financial Adviser as well as the Director and General Manager at Stewart Group, a Hawke's Bay and Wellington-based CEFEX-certified financial planning and advisory firm. Stewart Group provides personal fiduciary services, Wealth Management, Risk Insurance & KiwiSaver solutions. The information provided, or any opinions expressed in this show, are of a general nature only and should not be construed or relied on as a recommendation to invest in a financial product or class of financial products. You should seek financial advice specific to your circumstances from an Authorised Financial Adviser before making any financial decisions. A disclosure statement can be obtained free of charge by calling 0800 878 961 or visit our website, www.stewartgroup.co.nz Hosted on Acast. See acast.com/privacy for more information.

Rate increases, or daylight robbery?Join Nick Stewart, CEO and financial advisor at Stewart Group, and Tim Ewen, risk insurance manager, as they delve into the pressing issue of local authority rates in New Zealand. In this episode, Nick shares insights on the rates crisis, discussing the financial challenges faced by local councils and their impact on residents.The conversation covers the reasons behind rising council rates, their contribution to national inflation, and the broader economic implications. Nick and Tim also explore the accountability of councils, the need for fiscal prudence, and the importance of voter engagement in local elections.Tune in to gain a deeper understanding of how local government decisions affect your finances and what you can do to advocate for responsible spending.Read the full 'Rates Crisis' article HERE Important Time Stamps:00:01:01 - Introduction00:01:37 - Nick shares insights from his latest article about the rates crisis00:03:26 - Explanation of local authority rates and their importance00:05:34 - Discussion on council rates as a major contributor to national inflation00:07:51 - The impact of rising council rates on residents00:12:44 - Comparison of council accountability to business accountability00:14:06 - Perceived arrogance and unaccountability of councils00:17:46 - Questions voters should ask their mayoral candidates00:23:34 - Final message to voters and the importance of asking difficult questionsThe Adviser Talk is available on all popular streaming platforms, including Spotify and Apple Podcasts.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 & 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.

You can't bank time for later - you've got to use it today.That's the key message from our latest podcast, where Brent Allcock, our Financial Adviser from the Wellington office, discusses why procrastination can negatively impact your financial security. With Kiwis feeling the pressure from rising costs, he provides practical tips to take control of your finances.When it comes to managing your money, taking action today is far better than waiting until tomorrow. Don't let procrastination erode your financial well-being.⏰ Important time-stamps(01:09) Do we really have time when it comes to finances?(01:29) Reflections on time, money and the importance of acting now(02:36) Budgeting tips and lifestyle adjustments(05:12) The need for planning(06:51) Mindset shift(09:02) Rising living costs and planning for retirement(12:44) Are people reconsidering investing during uncertain times?(14:33) Kiwisaver performance and diversified portfolios(16:35) Brent's top tipThe Adviser Talk is available on all popular streaming platforms, including Spotify and Apple Podcasts. Brent Allcock is a Financial Adviser at Stewart Group, a Hawke's Bay and Wellington-based CEFEX certified financial planning and advisory firm. Stewart Group provides personal fiduciary services, Wealth Management, Risk Insurance & KiwiSaver solutions. The information provided, or any opinions expressed in this show, are of a general nature only and should not be construed or relied on as a recommendation to invest in a financial product or class of financial products. You should seek financial advice specific to your circumstances from an Authorised Financial Adviser before making any financial decisions. A disclosure statement can be obtained free of charge by calling 0800 878 961 or visit our website, www.stewartgroup.co.nz Hosted on Acast. See acast.com/privacy for more information.

Craig Schioppo, global head, Marsh's Transactional Risk Group, discusses how a resurgence in M&A activity, growing demand for tax insurance, and expansion into emerging markets like Dubai and Latin America drove significant global growth in the transactional risk insurance market in 2024.

The Trump administration is considering creating a sovereign risk insurance program for energy projects, along with a sovereign wealth fund. POLITICO's Ben Lefebvre breaks down the administration's thinking on the topics, how it compares to other policies around the world, and the potential challenges ahead. Plus, the Senate Energy and Natural Resources Committee advanced the nominations of two nominees for the Energy Department, as well as bipartisan legislation that aims to speed the development of minerals resources. Ben Lefebvre is an energy reporter for POLITICO.  Nirmal Mulaikal is the co-host and producer of POLITICO Energy.  Alex Keeney is a senior audio producer at POLITICO.  Gloria Gonzalez is the deputy energy editor for POLITICO.  Matt Daily is the energy editor for POLITICO. For more news on energy and the environment, subscribe to Power Switch, our free evening newsletter: https://www.politico.com/power-switch And for even deeper coverage and analysis, read our Morning Energy newsletter by subscribing to POLITICO Pro: https://subscriber.politicopro.com/newsletter-archive/morning-energy Learn more about your ad choices. Visit megaphone.fm/adchoices

A resurgence of global mergers and acquisitions, that reflects heightened investor confidence and a return to normalcy in the transactional risk market, is accompanied by increased demand for transactional risk insurance solutions. At the same time, increased competition among insurers and more knowledgeable insurance buyers are leading to the creation of broader coverage options and tailored solutions to meet diverse needs across industries and regions. In this episode of Risk in Context, Marsh's Craig Schioppo, Alistair Lowry, David Lillo, Haoren Fu, and Eliza Grant discuss the changes taking place in the continuously evolving transactional risk markets, highlight some of the transactional trends in different regions, and consider how these trends could shape the future of the transactional risk insurance market. You can access a transcript of the episode here. Download the Transactional risk insurance 2024: Year in review report. For more insights and insurance and risk management solutions, follow Marsh on LinkedIn and X and visit marsh.com

Justin Kollinger, Senior Risk Management Consultant at United Educators (UE), brings valuable perspective in helping colleges and universities develop strategic risk initiatives. As co-author of "Risk Management: An Accountability Guide for University and College Boards" and creator of UE's annual Top 10 Risks report, Kollinger works with institution leaders to develop strategic risk initiatives, prioritize risk management goals, and launch enterprise risk management programs. Higher Ed's Current Risk & Liability Environment The higher education sector faces what United Educators calls "social inflation" - increases in insurance costs above regular inflation. This trend is driven by: Increased third-party litigation financing Growing recruitment of plaintiffs to bring cases Rising defense costs Higher settlements and awards Top Risks in Higher Education McNaughton and Kollinger discuss these top risks revealed in the UE's annual survey: Enrollment Data Security Operational Pressures Recruitment and Hiring Regulatory and Legal Compliance Student Mental Health Funding Facilities and Deferred Maintenance Public Safety Three-way tie: General Premises Safety Title IX Political and Societal Pressures Notable findings include the consistency of the top seven risks over the past three years despite 2024's tumultuous environment. Surprisingly, climate change and environmental risks did not make the top ten despite increasing natural disasters affecting campuses nationwide. Enterprise Risk Management in Higher Education Dr. McNaughton noted that only about 5% of institutions have formalized risk management programs. Both experts emphasized that when creating strategic plans, institutions must include risk management planning, or they leave themselves exposed. Risk management should distinguish between: University Level: Risk management and identification Board Level: Risk oversight and appropriate questioning Data Security Challenges The conversation highlighted growing concerns about data security: Rising costs for data breach coverage Need for centralized IT management Growing sophistication of phishing attempts with AI Importance of comprehensive security training Three Takeaways for University Presidents and Boards Culture of Risk Management ("Cool Head, Warm Heart") Manage risk with thoughtful foresight and consistent policies Show care to your community before, during, and after incidents Focus on building trust through demonstrated care and communication Elevate Your Risk Manager Risk managers often know everything happening on campus They have unique problem-solving tools They should be positioned as strategic contributors If you don't have a risk manager, get one Use Third-Party Experts Take advantage of insurer resources (like UE's checklists and online courses) Utilize insurance broker resources Access association resources and experts Remember these experts are part of your support ecosystem Kollinger's insights emphasize that while establishing risk management programs may seem daunting, having basic frameworks in place can help institutions better prepare for and respond to various challenges. His message underscores the importance of both strategic thinking and demonstrated care in building effective risk management programs. The changing landscape of higher education requires leaders to remain vigilant in their approach to risk management, making it an essential component of institutional strategy and governance. #HigherEducation #HigherEducationRiskManagement #HigherEducationPodcast Read the transcript on our website: https://changinghighered.com/top-risks-in-higher-education-erm-programs/ Links to Resources: UE's Top Risks Report: Insights for Higher Education  UE's Large Loss Report (featuring settlements over $2.5 million) Risk Management: An Accountability Guide for University and College Boards (AGB) Enterprise Risk Management In Higher Ed Part 1: An Overview of the Planning Process Enterprise Risk Management in Higher Ed Part 2: Risk Planning and its Critical Role in Higher Education Enterprise Risk Management in Higher Ed Part 3: Risk Oversight and the Board's Role in Higher Education Risk Management Strategic Risk Planning to Chart Higher Ed's Course in Turbulent Times What is Enterprise Risk Management in Higher Education?     About Our Podcast Guest Justin Kollinger serves as Senior Risk Management Consultant at United Educators, an education-owned liability insurance carrier serving 1,500 institutions across the country. In his role, Justin advises college and university leaders as they develop strategic risk initiatives, prioritize risk management goals, and launch or refresh enterprise risk management (ERM) initiatives. He co-authored Risk Management: An Accountability Guide for University and College Boards, published by AGB Press, and creates reports and tools to help United Educators' members address their top risks, including risks relating to enrollment and student life. Risk & Insurance recognized Justin as one of its Risk All Stars in 2023, and Justin has previously worked in enrollment at two private institutions in the Mid-Atlantic and as a consultant to community college presidents and independent heads of school. Connect with Justin Kollinger on LinkedIn → About the Podcast Host Dr. Drumm McNaughton is the founder, CEO, and Principal Consultant at The Change Leader, Inc. A highly sought-after higher education consultant with 20+ years of experience, Dr. McNaughton works with leadership, management, and boards of U.S. and international institutions. His expertise spans key areas, including accreditation, governance, strategic planning, presidential onboarding, mergers, acquisitions, and strategic alliances. Dr. McNaughton's approach combines a holistic methodology with a deep understanding of the contemporary and evolving challenges facing higher education institutions worldwide to ensure his clients succeed in their mission. Connect with Drumm McNaughton on LinkedIn→  

If insurers are buckling, and backup insurers are buckling, where’s the backup for the backup? Private insurers were exiting parts of California and other markets well before these current firees, causing millions of people to opt for state-run backup insurance plans. Those plans are also now buckling under pressure of intensifying natural disasters. So where do we go from here? We discuss. And later, we’ll interrogate some of the working conditions of Shein factory workers in China.

If insurers are buckling, and backup insurers are buckling, where’s the backup for the backup? Private insurers were exiting parts of California and other markets well before these current firees, causing millions of people to opt for state-run backup insurance plans. Those plans are also now buckling under pressure of intensifying natural disasters. So where do we go from here? We discuss. And later, we’ll interrogate some of the working conditions of Shein factory workers in China.

Dana Sutton, flood practice lead at NFP, discusses the evolving landscape of flood insurance, the misconceptions surrounding flood risk, and how both the private market and National Flood Insurance Program can work together.

How can innovative solutions like parametric insurance and water detection systems be leveraged to improve risk management in the construction industry? Join Matt Walsh, Greg Melton and Bill Marutsos, Alliant Construction, as they explore the current challenges and opportunities facing businesses in construction. From navigating large-scale infrastructure projects to mitigating catastrophic events, this podcast offers valuable insights into the strategies and solutions shaping today's builder's risk marketplace.

Join host Japhet De Oliveira for a thoughtful conversation with Tim Northrop, System Director for Risk & Insurance at Adventist Health, as they explore Tim's unique path from trades to executive leadership, his passion for problem-solving, and how integrity, family values, and early morning routines shape both his personal life and approach to managing risk.

In this podcast, the first of two episodes on tax risk insurance, Ben Jones, Helen Mackey, Lars Haverkamp, Todd Betor and Rebekka Sandwell provide a general introduction to tax risk insurance from UK perspective, as well as discussing insights from Germany and the US.

Economic uncertainty and financial challenges have contributed to shifts in the transactional market, with merger and acquisition activity across the globe slowing down in 2023 from the highs seen earlier in the decade. However, demand for transactional risk insurance has remained high as both buyers and sellers recognize the benefits of purchasing robust coverage for their transaction. In this episode of Risk in Context, Marsh's Craig Schioppo, Craig Warnke, Martha Barajas, Hans Swolin, Leo Flindall, Kane Sim, and Haoren Fu discuss transactional risk trends across different regions and share advice for companies looking to manage their transactional risks throughout 2024 and beyond. You can access a transcript of the episode here. For more insights and insurance and risk management solutions, follow Marsh on LinkedIn and Twitter and visit marsh.com  

Robert demonstrates how little he remembers about the history of exploration and European economic history, yet still has no reservations about connecting it to current insurance premiums for container ships cruising through the Red Sea in 2024. Also, a new feature on the podcast--"Robert Watches a Movie You Saw Ten Years Ago." This week's film is John Wick! BMFCE: Insurance producers and adjusters can earn insurance continuing education credit listening to Robert's live webinars. No test required for credit! BMFCE.com. BMFInsurance.agency: Robert is also a busy insurance agent. Search and buy great products online, including vehicle service contracts, travel insurance, life insurance and more at our agency site.

Apple @ Work is exclusively brought to you by Mosyle, the only Apple Unified Platform. Mosyle is the only solution that integrates in a single professional-grade platform all the solutions necessary to seamlessly and automatically deploy, manage & protect Apple devices at work. Over 45,000 organizations trust Mosyle to make millions of Apple devices work-ready with no effort and at an affordable cost. Request your EXTENDED TRIAL today and understand why Mosyle is everything you need to work with Apple. Sponsored by Kolide: Kolide's method means fewer support tickets, less frustration, and most importantly: 100% fleet compliance. Visit kolide.com/appleatwork to learn more or book a demo. In this episode of Apple @ Work, I talk with Tom Bridge from JumpCloud about JumpCloudGo, cyber risk insurance, and Tom's 2024 wishlist for Apple IT admins. Show Notes JumpCloud Go™: A Simpler, More Secure Login Experience Connect with Bradley Twitter LinkedIn Listen and subscribe Apple Podcasts Overcast Spotify Pocket Casts Castro RSS Listen to Past Episodes

Apple @ Work is exclusively brought to you by Mosyle, the only Apple Unified Platform. Mosyle is the only solution that integrates in a single professional-grade platform all the solutions necessary to seamlessly and automatically deploy, manage & protect Apple devices at work. Over 45,000 organizations trust Mosyle to make millions of Apple devices work-ready with no effort and at an affordable cost. Request your EXTENDED TRIAL today and understand why Mosyle is everything you need to work with Apple. Sponsored by Kolide: Kolide's method means fewer support tickets, less frustration, and most importantly: 100% fleet compliance. Visit kolide.com/appleatwork to learn more or book a demo. In this episode of Apple @ Work, I talk with Tom Bridge from JumpCloud about JumpCloudGo, cyber risk insurance, and Tom's 2024 wishlist for Apple IT admins. Show Notes JumpCloud Go™: A Simpler, More Secure Login Experience Connect with Bradley Twitter LinkedIn Listen and subscribe Apple Podcasts Overcast Spotify Pocket Casts Castro RSS Listen to Past Episodes

If you are building or renovating a property, your lender may require builder's risk insurance. In this episode, Charles discusses what builders' risk insurance is, and when an investor might use this type of insurance.  Connect with the Global Investors Show, Charles Carillo and Harborside Partners: ◾ Setup a FREE 30 Minute Strategy Call with Charles: http://ScheduleCharles.com ◾ Learn How To Invest In Real Estate: https://www.SyndicationSuperstars.com/  ◾ FREE Passive Investing Guide: http://www.HSPguide.com ◾ Join Our Weekly Email Newsletter: http://www.HSPsignup.com ◾ Passively Invest in Real Estate: http://www.InvestHSP.com ◾ Global Investors Web Page: http://GlobalInvestorsPodcast.com/

Guest: Lupe Peterman, Information Assurance Analyst, NuHarbor SecurityOn LinkedIn | https://www.linkedin.com/in/lupe-peterman/__________________________SponsorsAre you interested in sponsoring an ITSPmagazine Channel?

Guest: Lupe Peterman, Information Assurance Analyst, NuHarbor SecurityOn LinkedIn | https://www.linkedin.com/in/lupe-peterman/__________________________SponsorsAre you interested in sponsoring an ITSPmagazine Channel?

Returning from a summer hiatus, Bryan and Gena are joined by veteran broker Sandra Lee, Chief Executive Officer – Asia, BMS Group, for a discussion on the state of transactional risk insurance in Asia. Topics discussed include: • How Sandra transitioned from working as a M&A attorney to being one of the first transactional risk brokers in Asia • How BMS created a premier global platform for transactional risk with unique capabilities in Asia • The key similarities and differences between transactional risk policies in Asia and North America • Current pricing trends and deal activity in Asia • The growth in carriers underwriting in Asia • Geographic differentiation in underwriting transactions in Asia

In this episode, Silas Mahner (@silasmahner) speaks w/ Stephen Brittain from Insurtech Gateway (@Ideas_Gateway). They are incubating Impact Risk Mitigation and Insurance Companies / Products. On the back end, they invest and connect these companies with partners in the insurance space and other VCs. Today's conversation is a bit high-level but has many great insights. Enjoy the Episode!

Over the past year, proposals to insure communities against economic losses caused by climate change, known as climate risk insurance, have gained traction. But there's an international debate about those plans: some countries argue there are significant financial, practical and moral concerns, while others say climate risk insurance is an essential element of preparations for a warming world. POLITICO's Zia Weise breaks down why insuring the world against climate change is controversial. Plus, the Biden administration is opening up $20 billion in funding opportunities to advance clean technology deployment especially in low-income and disadvantaged communities.   For more news on energy and the environment, subscribe to Power Switch, our free evening newsletter: https://www.politico.com/power-switch And for even deeper coverage and analysis, read our Morning Energy newsletter by subscribing to POLITICO Pro: https://subscriber.politicopro.com/newsletter-archive/morning-energy   Zia Weise is a reporter covering climate policy for POLITICO Europe. Josh Siegel is a congressional energy reporter for POLITICO.  Nirmal Mulaikal is a POLITICO audio host-producer.  Annie Rees is a senior audio producer-host at POLITICO.  Gloria Gonzalez is the deputy energy editor for POLITICO.  Matt Daily is the energy editor for POLITICO.

Bloomberg's Maria Tadeo speaks with Ukraine's Finance Minister, Serhiy Marchenko. They discuss wartime defense spending, insurance and aid from Europe. See omnystudio.com/listener for privacy information.