Five smart ways to keep more money in your pocket this tax season.In this live webinar, Matt Harris and Andrew Higgs uncover the most overlooked tax hacks for property investors - from claiming chattels depreciation and home office expenses to restructuring debt, maximising travel deductions, and ensuring your accounting structures work in your favour.Next steps: Ready to uncover what deductions you’ve been missing? Book a free 30-minute consultation with one of our accountants to see how much more you could be saving this year.
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The 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.
Would 30-year fixed mortgages work in New Zealand?
In this episode, James and Michael unpack how long-term fixed loans in the US provide stability for borrowers, compare them to New Zealand’s shorter-term system, and explore the trade-offs between flexibility, certainty, and economic control.
Next Steps: If you’re wondering whether your bank, rate, or mortgage structure is right for you, get in touch with the Lighthouse Mortgage team for personalised advice.
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The 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.
Rates are down, but inflation’s still biting. In this quarterly update, Kiwibank Chief Economist Jarrod Kerr unpacks the OCR cut to 2.5%, Labour’s proposed capital gains tax, and what it all means for New Zealand’s economy heading into 2025.
From housing and business confidence to inflation and investment, we ask the big question - is this the start of a recovery, or just calm before another storm?
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The 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.
Should New Zealand’s wealthiest retirees still receive NZ Super? In this episode, James and Mike unpack the growing debate around means testing - exploring the political risks, financial realities, and whether cutting payments to high-income Kiwis could make the system more sustainable.
Next Steps: Your retirement shouldn’t depend on the government. Talk to a Lighthouse adviser today to build a plan that puts your financial future back in your control.
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The 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.
Retirement isn’t about luck - it’s about planning, action, and time.
In this live webinar, James and Justin break down what Kiwis really need to retire comfortably - from understanding how much you’ll need for a $100K annual income, to paying off your mortgage faster, leveraging property and shares, and building a financial plan that actually works.
Next Steps:Ready to see what your retirement number looks like? Book a free 30-minute discovery call with Lighthouse Financial to start your personalised plan today.
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The 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.
Labour’s back with a bold play - a 28% capital gains tax on property.
In this episode, we break down the proposed 2027 capital gains tax - exploring its political timing, how it could impact property investors, business owners, and farmers, and whether it’s the right move for New Zealand’s struggling economy.
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The 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.
What would you do if your financial plan said you’ll have $6 million at 100?In this episode, we reconnect with Rachel and Deon to unpack their latest financial plan - from whether to buy another investment property or focus on shares, to paying off their mortgage, structuring trusts, and finding balance between spending today and securing their family’s future.This episode is proudly sponsored by PocketSmith: Big goals mean nothing without action. PocketSmith helps you track, plan, and stay accountable. Start today with 50% off your first two months. Learn more here
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The 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.
Most investors lose money not because of the market - but because of their own mistakes.
In this episode, we break down the five biggest mistakes people make when investing in shares - from chasing hot tips and trying to time the market to over-leveraging and ignoring debt. The hosts reveal the mindset and strategies that separate long-term investors from short-term speculators.
Next steps: Want to learn how to invest smarter and plan for retirement? Join our free Retirement Planning Webinar on Wednesday, 29 October at 6:30pm - Register now.
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The 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.
What if your KiwiSaver balance could double - just by removing tax?
In this episode, we explore the radical idea of untaxed KiwiSaver returns, comparing outcomes to Australia’s super system, breaking down the numbers, and debating what it could mean for retirement, government revenue, and the future of NZ Super.
Next Steps: Not sure if your KiwiSaver is set up for success? Book a free 30-minute session with a Lighthouse KiwiSaver adviser and make sure your money is working for your future.
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The 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.
What does a real financial plan actually look like?
In this episode, James walks Rachel and Dion through their personalised financial roadmap - covering budgeting, mortgage strategy, investment property planning, KiwiSaver comparisons, and retirement scenarios that show how they could achieve both lifestyle freedom and long-term wealth.
This episode is proudly sponsored by PocketSmith: Big goals mean nothing without action. PocketSmith helps you track, plan, and stay accountable. Start today with 50% off your first two months.
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The 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.
Struggling with debt? In this episode, we share 3 key steps to fix your finances - from recognising the problem and shifting your mindset, to building a roadmap with clear goals, structure, and accountability.
Next steps: If your finances are off track, Lighthouse can help - from tackling debt to building a clear plan tailored to your goals. Book a chat with our team today
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The 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.
Stop giving the banks your hard-earned money - learn how to cut debt and grow wealth faster.
In this live webinar, we cover smart debt-reduction strategies, how to pay off your mortgage faster, the role of equity in building wealth, budgeting techniques that actually work, and practical ways to set yourself up for long-term financial freedom.
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If your mortgage is rolling off, or you’re looking to buy your first or next property, our team can walk you through your options.
The OCR has been cut - but is this just the beginning for falling interest rates? In this episode, we break down the 50-basis-point cut, its impact on mortgages, business confidence, and house prices, and discuss whether Kiwi borrowers could see sub-4% rates by the end of the yearNext steps: If you’re wondering what the latest OCR drop means for your mortgage, refinancing, or property plans, get in touch with Lighthouse Mortgages today.
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The 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.
Provisional tax catches out thousands of Kiwi business owners every year.
In this episode, Matthew Harris breaks down what provisional tax really is, why it’s so often misunderstood, the common mistakes people make, and how tools like tax pooling can save you from penalties and surprise bills
Next steps: If you’re a business owner or property investor facing provisional tax, get in touch with the Lighthouse team - we’ll help you structure smarter, manage cash flow, and avoid costly mistakes.
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The 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.
Sometimes the habits that feel frugal are actually draining your wallet. In this episode, Jess and Makayla unpack why “it’s expensive to be poor” - exploring how buying cheap, renting long-term, skipping insurance, or avoiding upfront costs can end up costing more in the long run.
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The 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.
Episode 2 of our mini-series dives into strategy - James works with Rachel and Dion to break down how their money is invested across KiwiSaver, crypto, Sharesies, and their mortgage. Together they explore how each piece fits within their wider goals, weigh the trade-offs between risk and return, and start shaping the structure behind their long-term wealth plan.This episode is proudly sponsored by PocketSmith: Big goals mean nothing without action. PocketSmith helps you track, plan, and stay accountable. Start today with 50% off your first two months.
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The 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.
KiwiSaver won’t save your retirement - and it’s time Kiwis faced that reality.
In this episode, Mike and James reveal the harsh truth behind New Zealand’s retirement crisis, unpacking why low contribution rates and unrealistic expectations mean KiwiSaver alone won’t cut it. They break down what $500,000 in savings actually looks like at retirement and outline the practical steps to build true financial independence - from paying off your mortgage faster to investing smarter.
Next Steps: If you haven’t reviewed your KiwiSaver recently, now’s the time - book a 30-minute session with a Lighthouse KiwiSaver adviser and make sure your fund, provider, and contributions are actually working for your future.
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The 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.
How low could mortgage rates really go? 👀
In this episode, we break down the Reserve Bank’s latest moves, discuss predictions for OCR cuts, explore what falling interest rates mean for mortgages, and look ahead at how the property market could react.
Next Steps: If you’re wondering how lower rates could impact your mortgage, refinancing strategy, or investment plans, reach out to the team at Lighthouse Mortgages today.
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The 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.
From Auckland to the Ivy League and beyond - Jamie Beaton’s journey shows what it takes to turn a Kiwi startup into a billion-dollar business. In this episode, Jamie shares how he built Crimson Education from the ground up, the challenges of scaling globally, insights into New Zealand’s education system, and the mindset needed for young entrepreneurs to succeed.
Learn more about Crimson Education here
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The 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.
A real Kiwi couple puts their finances on the table in our brand-new mini series.
In this first episode, we dive into Dion and Rachel’s money story - covering their values, goals, family aspirations, and the foundations of a free financial plan that will guide their journey over the next 12 months.
This episode is proudly sponsored by PocketSmith: Big goals mean nothing without action. PocketSmith helps you track, plan, and stay accountable. Start today with 50% off your first two months.
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The 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.