Beste Surprise Real Estate Financial Planner podcaster (2024)

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5 Ways An Advisor Can Change Your Retirement 16:26

1d ago16:26

16:26

Hiring an advisor should be based on the experience you are looking for. Create Your Custom Early Retirement Strategy Here Get access to the same software I use for my clients and join the Early Retirement Academy here Ari Taublieb, CFP ®, MBA is the Vice President of Root Financial Partners and a Fiduciary Financial Planner specializing in helping…

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Suburb Trends: What Surprises Does the Latest Property Investment Data Reveal 48:31

3d ago48:31

48:31

Are you ready to find out where property investors are putting their money and what trends are shaping the market right now? In this episode, we dive deep into the latest suburb trends report and explore the surprising insights revealed by the latest property investment data. From unexpected investment hotspots in Sydney and Melbourne to some major…

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How Return on Investment Changes Based on How You Pay PMI 29:18

5d ago29:18

29:18

If you're going to put less than 20% down when buying a property, the lender is likely to require that you pay private mortgage insurance (PMI) to protect them in case you default on the loan. This usually applies to Nomads™, house hackers, and investors putting 15% down to acquire non-owner-occupant properties. There are 3 ways to pay PMI: Monthly…

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The Complete Guide To Optimizing Healthcare Costs Before 65 25:39

3d ago25:39

25:39

Far too many people don't retire early because of healthcare costs. It can be significant at $2k/month...and it can be minimal at $50/month if you plan well. It's another cost to plan for and if you do it well, it can be the difference of hundreds of thousands of dollars over your retirement. In this episode, you'll learn how to determine your own …

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Insider Secrets: Why Housing Supply Is Harder to Boost Than You Think 56:23

10d ago56:23

56:23

Why is it so tough to ramp up housing supply when it seems like everyone’s talking about it? In this episode, we’re joined by Jill Garner, the Victorian Government Architect, who gives us a behind-the-scenes look at why boosting supply isn’t as simple as just setting targets. Jill brings her extensive experience to the table, sharing insights into …

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Warning - Risks of Interest Rates Rising When Investing in Real Estate 47:11

12d ago47:11

47:11

There's a risk to just about everything in life... including investing in real estate. One risk that some real estate investors fear is that rising mortgage interest rates will: Increase their mortgage payment and therefore hurt cash flow, or The rising mortgage interest rates will lower affordability and demand for properties, and therefore the va…

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The Complete Guide To Implementing Roth Conversions: Tax Strategy 26:21

16d ago26:21

26:21

Roth conversions can add millions of dollars to your retirement, but too many make mistakes and implement them at the wrong time, not at all, or in excess. Understand the role of when conversions make sense and when they don't. That's what this episode is all about. Begin optimizing what you've worked so hard for and implement conversions when appl…

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Understanding UK vs. Australian Property Markets with Martin North 58:13

17d ago58:13

58:13

How does the UK property market compare to ours here in Australia? In this episode, we sit down with Martin North from Digital Finance Analytics to really break it down. We’re diving into what makes the UK property market tick and how it stacks up against what we see in Australia. What are the key drivers over there? And how do they align—or differ…

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Warning - Risks of Tenants Trashing Properties When Investing in Real Estate 45:04

19d ago45:04

45:04

In this special class about the dangers, risks and warnings of investing in real estate: The #1 fear that keeps potential landlords and new real estate investors up at night! Expert insights on why this fear is more common among inexperienced landlords and investors in challenging real estate markets. Real-life horror stories of tenants causing sig…

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Here's How To View Real Estate As Part Of Your Retirement Strategy 23:02

23d ago23:02

23:02

Real estate can be a wonderful investment, but don't let your net worth trick you. Many clients want to downsize and then determine they love their home and don't want to move. Understand the role of your home in relation to your overall financial strategy. In this episode, I tell the real story of my parents and other clients who wish they viewed …

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The Most Pressing Issues in Strata Management with Michael Teys 55:17

24d ago55:17

55:17

Strata management—it’s one of those areas in property where things can get tricky if you’re not in the know. In this episode, we’re joined by Michael Teys, who’s been in the trenches of strata for years, tackling some of the biggest issues that come up in this space. If you’re involved in a strata scheme—whether as an owner, investor, or part of a …

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How to Analyze an All-Cash Rental Property Purchase 1:13:18

26d ago1:13:18

1:13:18

Interested in learning how to analyze deals using The World's Greatest Real Estate Deal Analysis Spreadsheet™? Specifically, do you need to know how to analyze a deal purchased with an interest-only loan? In this special deal analysis, you will: Discover the secret strategy for analyzing the purchase of a rental property with an interest-only loan …

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7 Surprising Regrets From My Clients Who Retired Early 21:46

30d ago21:46

21:46

I want to ensure you all learn from my clients who have successfully retired early and I'll be launching a new format where I invite more of you on the show so you can hear from those who have done it! Create Your Custom Early Retirement Strategy Here Get access to the same software I use for my clients and join the Early Retirement Academy here Ar…

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How Can We Fix Australia’s Housing Crisis? Alan Kohler Weighs In 57:34

1M ago57:34

57:34

Australia's housing market is in turmoil, but can it be fixed? In this episode, we sit down with respected financial journalist Alan Kohler to delve into the roots of this ongoing crisis and explore potential solutions. Alan shares his insights on why first-time home buyers today face far greater challenges than those in previous generations and ho…

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Haunted Houses or Hidden Treasures? Decoding Stigmatized Real Estate 24:47

1M ago24:47

24:47

Life has risks. Investing adds new risks. Investing in real estate adds new risks specific to real estate investing. One risk that is unique to real estate investing is the risk of buying a stigmatized property or having a property become stigmatized while you own it. In this class, James will: Uncover hidden gems in the real estate market and turn…

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5 Signs It’s Time To Consider Retiring Early 21:46

1M ago21:46

21:46

What if you could choose to work not because you have to, but because you genuinely want to? I want to ensure you don't work longer than necessary, without working too long! Create Your Custom Early Retirement Strategy Here Get access to the same software I use for my clients and join the Early Retirement Academy here Ari Taublieb, CFP ®, MBA is th…

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The Hidden Impact of Airbnb on Housing Affordability and Solutions Ahead 49:03

1M ago49:03

49:03

Are short-term rental platforms like Airbnb contributing to the worsening of the housing affordability crisis by reducing the availability of long-term rental properties? This shift towards short-term rentals makes it increasingly difficult for people to find affordable homes, driving up rental prices and increasing housing instability for vulnerab…

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Real Estate Investing Through Massive Foreclosure Periods 51:07

1M ago51:07

51:07

Real Estate Investing Through Massive Foreclosure Periods Join us for an exclusive episode of the REFP podcast, focusing on "Real Estate Investing Through Massive Foreclosure Periods." In this enlightening episode, you'll dive into the following insights: Discover the secret to making money during economic downturns, a strategy that can set you apa…

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5 Easy Ways To Know If You Should Do Roth Conversions 22:27

1M ago22:27

22:27

Roth conversions can save hundreds of thousands in taxes when done well, but they don't always make sense for you. This episode will give you the insight needed to determine if (and when) you should implement Roth Conversions. Create Your Custom Early Retirement Strategy Here Get access to the same software I use for my clients and join the Early R…

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Listener Q&A: Investment Property Decisions, Land Tax Variations, and More 54:50

1M ago54:50

54:50

Are you grappling with decisions about your investment property? In this episode, we dive into a range of listener questions to provide the insights you need. We’ll explore the impact of land tax variations across different states and discuss the pros and cons of buying in A-grade versus B-grade suburbs. Our discussion also touches on the reasons b…

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Deal Alchemy™ - Debt Paydown to Cash Flow 25:15

2M ago25:15

25:15

Deal Alchemy™ - Debt Paydown to Cash Flow Join us for an exciting and enlightening class with James Orr as he delves into the fascinating world of Deal Alchemy™. In this class, listeners will discover a surprisingly powerful strategy that has the potential to drastically improve cash flow on rental properties. Whether you're considering buying a ne…

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How Do We Build Multi-Generational Wealth? [Estate Planning] 20:18

2M ago20:18

20:18

You don't want to be at your child's wedding wondering if you gave them too much where you now may be a future burden in retirement. You also likely don't want to be thinking about passing away with $10M+ when you could have helped children along the way. I discuss all the strategies involved in estate planning: charitable giving, donor-advised fun…

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The Next Decade in Property Demographics: Simon Kuestenmacher Explains 1:01:41

2M ago1:01:41

1:01:41

Are you curious about how demographic changes will shape the property market in the coming decade? In this episode, we chat with Simon Kuestenmacher from The Demographic Group to dive into the evolving trends in wealth transfer and their impact on housing. Simon gives us some great insights into the demographic factors affecting today’s wealth tran…

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Tax Deductibility of PMI Payments 14:15

2M ago14:15

14:15

Tax Deductibility of PMI Payments Are you an owner-occupant puzzled by the ever-changing rules around PMI (Private Mortgage Insurance) deductibility? Or perhaps an ambitious real estate investor, hungry to maximize your deductions and supercharge your profits? Then this class is your golden ticket to the world of tax wisdom! Join us for an exhilara…

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3 Retirement Rules Of Thumb That Don't Apply To An Early Retirement 19:51

2M ago19:51

19:51

There are many rules that work for the traditional "Retire at 65" and "Die at 95" (sounds dark, I know). The truth is those don't rules apply to you if you want to optimize an early retirement. You may need this income a lot longer and want to have a strategy designed for years of travel, healthcare costs, 40+ years of income, etc. I walk you throu…

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Could a Vendor's Advocate Be Your Real Estate Game-Changer? 52:37

2M ago52:37

52:37

Have you ever wondered if there’s a need for vendor advocates or if it’s just another money grab by some players in the real estate industry? Vendor advocacy is a term you may not have heard before, but it’s a service that’s gaining popularity. A vendor’s advocate is an advisor engaged by a person selling their property to help them choose a sellin…

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Functional Obsolescence Unveiled: The Silent Value Killer in Real Estate Investments—and How to Defeat It! 30:58

2M ago30:58

30:58

Functional Obsolescence Unveiled: The Silent Value Killer in Real Estate Investments—and How to Defeat It! There's a often overlooked risk of investing in reale state: obsolescence. Whether we're focused on properties that are or will become functionally obsolete or drift directly into economic or physical obsolescence... these are real-world risks…

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My Story | Why Do I Do This? 25:39

2M ago25:39

25:39

I didn't like financial advisors growing up - so why did I become one? Learn my story so you can understand more from the voice you hear every Monday of the Early Retirement podcast and Vice President of Root. Create Your Custom Early Retirement Strategy Here Get access to the same software I use for my clients and join the Early Retirement Academy…

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Real Estate Under Scrutiny: John Minns’ Plan to Restore Integrity 58:54

2M ago58:54

58:54

How can integrity be restored in an industry often criticised for its ethical shortcomings? In this episode, we sit down with John Minns, the NSW Strata and Property Services Commissioner, to delve into the measures being taken by the Office of Fair Trading to regulate and improve the real estate sector’s reputation. With an industry plagued by iss…

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How to Analyze an All-Cash Rental Property Purchase 1:08:43

2M ago1:08:43

1:08:43

How to Analyze an All-Cash Rental Property Purchase Deal analysis is important. Learning how to analyze deals is a critical skill for all real estate investors, whether you're financing 100% of the purchase or buying a property without a loan at all and paying all cash. In this class, we will look at how deal analysis changes when you plan to buy a…

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Where Should I Withdraw Money From First In Retirement? 26:03

2M ago26:03

26:03

Most people take income in retirement and hope they never run out of money. I also hope you don't run out..but I don't want you dying with millions (unless there are specific legacy goals) or paying more taxes than necessary along the way. Create Your Custom Early Retirement Strategy Here Get access to the same software I use for my clients and joi…

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Is Data or Local Insight More Reliable for Property Investments: Suburb Trends June 2024 59:33

2M ago59:33

59:33

Ever found yourself torn between relying on hard data or trusting local insights for your property investments? It’s a tough call many investors struggle with, wondering if the numbers can tell the full story or if boots-on-the-ground knowledge is more reliable. In the Suburb Trends Report for the month of June 2024, we dive into the age-old debate…

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How Return on Investment Changes Based on Credit Score With PMI 41:46

2M ago41:46

41:46

How Return on Investment Changes Based on Credit Score With PMI Does your credit score really matter when you're buying rental properties? Sure, your credit score impacts the mortgage interest rate you can get with traditional mortgages. And yes, your credit score affects how much private mortgage insurance (PMI) will cost. Your credit score can al…

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How To Manage Cash Flow Before & Throughout Retirement 25:48

3M ago25:48

25:48

What if your retirement savings aren't enough to ensure a comfortable lifestyle? Discover how to master the art of managing cash flow in retirement and learn why having substantial assets might not always guarantee financial stability. We'll break down the critical role of diverse income streams like pensions and rental income, and share real-life …

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How to Find the Best Mortgage Broker for You 48:31

3M ago48:31

48:31

Choosing the wrong broker can lead to higher costs and missed opportunities. It’s crucial to find someone who doesn’t just process loans but also offers solid advice and guidance. With so many options, it’s tough to figure out who’s genuinely good and who’s just looking to close a deal. So in this episode, we break down how to find the perfect mort…

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Is It Better to Buy Rentals with 25% Down or All Cash After Buying an Owner-Occupant? 31:19

3M ago31:19

31:19

So, are you stressing out over higher mortgage interest rates and properties not cash flowing as well as they used to, or in some markets, not having positive cash flow at all... even with 25% down? What's a real estate investor seeking financial independence to do? In this class, we will compare two strategies. In both strategies, you first buy an…

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A Real-Life Story Of Investing Too Well For Retirement 28:47

3M ago28:47

28:47

This episode navigates the complexities of retirement planning, from Roth conversions and required minimum distributions (RMDs) to the impact of Medicare premiums. Learn from a frugal couple's experience that highlights the importance of enjoying life while remaining financially secure. We also revisit last week's heated discussion on whether break…

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What 2024 Property Forecasts Got Right – And Wrong: Mid-Year Review 53:27

3M ago53:27

53:27

Wondering how the 2024 property forecasts are stacking up so far? Tune in to our mid-year review as we dive into the real estate predictions that nailed it and the ones that missed the mark. In this episode, we dissect the key trends, market shifts, and unexpected twists that have shaped the housing landscape in the first half of the year. Today, w…

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The Impact of Buying Properties at a 5% Discount When Nomading™ 26:17

3M ago26:17

26:17

So, you're considering Nomading™. Excellent! But as you dig into the details, you may wonder what the impact would be if you chose to buy a more desirable, higher quality, but maybe less optimal property at full price (without a discount), versus focusing on finding a slightly less desirable, slightly lower quality, but slightly more optimized rent…

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Here’s How To Determine If You Should Keep Or Break Up With Your Advisor 29:29

3M ago29:29

29:29

Create Your Custom Early Retirement Strategy Here Get access to the same software I use for my clients and join the Early Retirement Academy here Is your financial advisor truly meeting your needs, or is it time for a change? In this episode, we tackle the tough decision of when to fire your financial advisor. Learn from personal stories, including…

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Red Flags You Must Know Before Hiring a Buyer’s Agent 55:27

3M ago55:27

55:27

How can you distinguish the trustworthy buyer’s agents from the rest in a market flooded with options? With so many buyer’s agents vying for your attention, it's easy to fall prey to misleading promises and hidden agendas. In this episode, we delve deep into the world of buyer’s agents, uncovering the essential red flags every prospective property …

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Deal Alchemy™ - Black Box Cash Flow 31:49

3M ago31:49

31:49

Deal Alchemy™ - Black Box Cash Flow Deal Alchemy™ is all about manipulating returns to get the returns you desire most. One variation of Deal Alchemy™ has you think about your rental property investment as a black box. You put money into the black box, some magical things happen over the next few years and out pops profit which you can spend like c…

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How To Create An Anti-Cookie Cutter Investment Portfolio 19:54

3M ago19:54

19:54

Create Your Custom Early Retirement Strategy Here Get access to the same software I use for my clients and join the Early Retirement Academy here (NEW) - Make sure to use code "FIRST25" which lasts until Wednesday. Ari Taublieb, CFP ®, MBA is the Vice President of Root Financial Partners and a Fiduciary Financial Planner specializing in helping cli…

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What Is Lenders Mortgage Insurance and How Does It Really Work? 59:44

3M ago59:44

59:44

Are you curious about what Lenders Mortgage Insurance (LMI) is and how it actually works? Do you wonder if it's necessary and worth considering when purchasing a property, or do you think it's just an additional cost you can avoid? In this episode, we sit down with Strachan Taylor from Helia, Australia’s leading provider of LMI, to delve into the d…

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Warning - Risks of Rental Demand Declining When Investing in Real Estate 27:03

3M ago27:03

27:03

Warning - Risks of Rental Demand Declining When Investing in Real Estate Risk, risk, risk... Life is full of risks. To a limited degree, we get to choose which risks we voluntarily take on. For example, if you choose to invest in real estate, you choose to take on some additional risks that you might not—directly—face if you opt to invest in someth…

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How Much Should I Be Saving To Retire Early? 20:43

4M ago20:43

20:43

Create Your Custom Early Retirement Strategy Here Get access to the same software I use for my clients and join the Early Retirement Academy here Ready to redefine the concept of retirement? My latest broadcast delves into the exhilarating world of early retirement planning, promising a treasure trove of strategies for seizing control over your wor…

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The Hidden Forces Behind Brisbane’s Property Boom 54:11

4M ago54:11

54:11

Are you curious about the hidden forces driving Brisbane’s property boom? What impact is the upcoming Olympics having on the property market, and is the construction for the games draining resources from other sectors? Beyond these questions, what else could be behind this sustained period of rapidly rising property prices, and is there any sign of…

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Private Mortgage Insurance Myths 27:17

4M ago27:17

27:17

Private Mortgage Insurance Myths Reputation can be a challenging thing. I have found, through many conversations with clients over the years, that Private Mortgage Insurance (PMI) has a questionable reputation with home buyers in general and investors in particular. However, much of its reputation is based on half-truths, bad information, lies, and…

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A Complete Guide To Inheriting Money (Tax Planning) 26:16

4M ago26:16

26:16

Create Your Custom Early Retirement Strategy Here Get access to the same software I use for my clients and join the Early Retirement Academy here Flowchart on Inheriting Accounts (mentioned in episode) Navigate the financial maze of inheritance with me as we uncover the vital steps to securing your legacy without drowning in taxes. A revealing tale…

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Is Increased Housing Supply the Real Solution to this Housing Crisis? 1:03:06

4M ago1:03:06

1:03:06

Could increasing housing supply alone effectively address our current affordability challenges, or is the housing crisis more accurately characterised as just a recurring issue with a new label? In this episode, we sit down with Dr. Cameron Murray, Chief Economist at Fresh Economic Thinking who specialises in property and urban development. We dive…

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