Most New Zealand finance podcasts are built around one topic. Property. Shares. KiwiSaver. The result is advice with a blind spot built in.
Practical Wealth Podcast is different.
We cover the full picture. Investing, insurance, KiwiSaver, and property. Because real financial wellbeing comes from understanding how everything works together.
Practical, honest, and grounded in New Zealand. No jargon. No agenda. Just clear thinking from two advisers who work with real Kiwis every day.
Proudly brought to you by Invicta Financial.
Practical Wealth | Part 3 - Investing in Auckland Property: Rentals, Yields, and Strategy with Joseph
In this final part of a three-part series on Practical Wealth, host Lucas is rejoined by Joseph, a Business Development Manager (BDM) at Barfoot & Thompson. Joseph shares market insights and practical strategies for investing in Auckland’s rental market.
In this episode:
Auckland Rental Market Dynamics: The current state of rental demand, seasonal market slumps, and a BDM tip on timing tenancy agreements to maximize rental returns.
High-Demand Areas & Property Types: Why standalone family homes in prime school zones, such as Double Grammar, Westlake, Rangitoto, and Takapuna, are performing best.
Vacancy Budgeting: Why landlords should realistically budget for 4 to 6 weeks of vacancy when securing new tenants.
Yields & Investment Realities: Understanding current gross and net rental yields in Auckland, managing mortgage top-ups, and common mistakes made by new investors.
Auckland vs. Regional Investing: Evaluating long-term capital growth potential versus better short-term rental yields in markets outside of Auckland.
General information only, not personal financial advice. For advice on your situation, talk to a licensed financial adviser. Practical Wealth is brought to you by Invicta Financial.
11 Oct 2026
How a 24-Year-Old BDM Overcomes the Brutal Reality of Cold Calling & Objections
In this episode of Practical Wealth, host Lucas is joined once again by special guest Joseph, a Business Development Manager (BDM) at Barfoot & Thompson. In this second part of a three-part series, Joseph dives deep into the realities of sales, cold calling tactics, and navigating common objections in real estate.
In this episode:
Cold Calling & Motivation: Managing the mental high and lows of cold calling, differentiating a "not now" from a "never," and staying motivated by focusing on client value.
Property Management vs. Self-Managing: Why relying on AI tools like ChatGPT during tribunal disputes won't protect self-managing landlords compared to professional property management.
Overcoming Age Objections: How 24-year-old Joseph addresses concerns about his youth with honesty, client testimonials, and lighthearted gratitude.
Daily Routines & Differentiation: Building baseline non-negotiable habits as a night person and differentiating himself as a BDM by prioritizing client trust and transparency over bonuses and commissions.
Navigating Price Objections: reframing fee concerns through property audits to uncover hidden costs like vacancy rates and lost time.
Maintaining Mindset: Overcoming tough days through gratitude, prayer, and maintaining a lifelong student mindset in sales.
General information only, not personal financial advice. For advice on your situation, talk to a licensed financial adviser. Practical Wealth is brought to you by Invicta Financial. https://www.invictafinancial.co.nz/ (https://www.invictafinancial.co.nz/ )
4 Oct 2026
The Landlord Mistake That Can Cost You Everything | Part 1 Joseph Hickton
In this episode of Practical Wealth, host Lucas is joined by special guest Joseph, a Business Development Manager (BDM) at Barford & Thompson. In this first part of a three-part series, Joseph shares his background, career path, and insights into the real estate industry.
In this episode:
Career Journey: Joseph's sales experience starting at age 15 in retail - including Amazon Surf and Skate and Michael Hill - working in hospitality, on a film set, and selling concrete at Hynes Pipe Systems before moving into real estate.
Property Management: Transitioning into real estate, starting as a property management cadet, working in a hybrid management/BDM role in Milford, and moving up to Barford & Thompson's head office.
Social Media & Consistency: Overcoming the fear of judgment to regularly create video content, building personal credibility, and using social media as an avenue to inspire others.
The Importance of Income Protection: A real-world example of how a sudden job loss and tenant issues put an investor into financial turmoil, highlighting the vital role of income protection and professional property management.
Learning Mandarin: How a 30-day trip to Taiwan inspired Joseph to learn Mandarin to better connect with clients in Auckland's diverse community.
General information only, not personal financial advice. For advice on your situation, talk to a licensed financial adviser. Practical Wealth is brought to you by Invicta Financial.
27 Sept 2026
The State of KiwiSaver: Stats, Default Funds, & Growth Strategies
In this episode of the Practical Wealth podcast, we dive deep into the current state of KiwiSaver. We explore key data and trends surrounding New Zealand's second-biggest financial asset class, including default funds, member engagement, and the power of long-term compound interest.
In this video, we discuss:
KiwiSaver Market Breakdown: Current overall numbers and average balance comparisons.
The Truth About Default Funds: What a default fund is, how they function, and why they act as a temporary "parking spot" for your money.
Contribution Habits: The growing number of inactive non-contributing accounts and the impact of short-term spending priorities.
Fund Types & Shifts: Understanding fund risk profiles and the recent asset allocation trend flipping from conservative to growth funds.
KiwiSaver vs. Australian Super: How the New Zealand retirement scheme measures up against Australia’s Super system in balance size, contributions, and future usage.
Disclaimer: This video is for general educational and informational purposes only and does not constitute personalized financial advice. Please consult a qualified financial advisor regarding your personal situation.
20 Sept 2026
Understanding Personal Insurance: Life, Trauma, Income Protection, & Health
What type of personal insurance cover do you actually need? We break down the main types of personal insurance to help protect you and your family.
Episode of Practical Wealth. Lucas and Jared explore the key options available, from life and health insurance to trauma, income protection, and total permanent disability (TPD). Knowing what cover you need isn't always clear, especially as your life, mortgage, and family situation evolve. In this episode, we chat through how each type of cover works and why having a tailored plan matters.
In this episode:
Life insurance basics
Trauma/Critical illness insurance
Income protection vs ACC
TPD (Total Permanent Disability) cover
Health insurance and non-Pharmac drugs
Customizing cover to fit your budget
General information only, not personal financial advice. For advice on your situation, talk to a licensed financial adviser.
Practical Wealth is brought to you by Invicta Financial.
Subscribe for new episodes every Monday.
13 Sept 2026
What Is The Value Of Speaking To A Financial Advisor?
Should you really make financial decisions on your own? We talk about the value of having a financial adviser in your corner.
Episode of Practical Wealth. Lucas and Jared explore why managing your money isn’t always as simple as knowing what you should do. When markets fall, emotions take over. When life changes, priorities shift. And sometimes the decisions that feel right in the moment can have a big impact on your long-term financial future.
In this episode:
Value of an advisor
Emotions drive decisions
Switching funds
What would an advisor actually do?
Reviewing your KiwiSaver
One improvement to KiwiSaver
General information only, not personal financial advice. For advice on your situation, talk to a licensed financial adviser.
Practical Wealth is brought to you by Invicta Financial.
Subscribe for new episodes every Monday.
6 Sept 2026
Should KiwiSaver contributions be forced up to 6%? We debate it.
Lucas and Jared go head to head. More forced savings for a bigger nest egg, or lower contributions and freedom to invest elsewhere. Plus why automatic investing and compounding matter more than the rate itself.
General information only, not personal financial advice.
Practical Wealth, brought to you by Invicta Financial (https://www.invictafinancial.co.nz/).
30 Aug 2026
They only wanted a small business. It blew up instead.
From a casual chat to a nationwide firm. The Invicta story with Tom.
Lucas sits down with co-founder Tom on how Invicta started, why it grew faster than planned, the shift to digital, and the vision to build one umbrella brand for all things money in New Zealand.
Practical Wealth, brought to you by Invicta Financial (https://www.invictafinancial.co.nz/contact).
23 Aug 2026
Myth busted. The insurance and KiwiSaver lies costing Kiwis thousands.
The life insurance and KiwiSaver myths costing Kiwis thousands.
Lucas and Jared bust the biggest myths Kiwis believe about life insurance and KiwiSaver. If you're into investing or sorting the right cover, this one's a must listen.
General information only, not personal financial advice.
Practical Wealth, brought to you by Invicta Financial. (https://www.invictafinancial.co.nz/)
Contact us to chat (https://www.invictafinancial.co.nz/contact)
16 Aug 2026
He left real estate for financial advice. Here's why.
This episode of Practical Wealth. Jared sits down with Orion, a former real estate agent who made the jump into financial advice.
Orion talks through why he walked away from property, what pulled him into advice, and how the two worlds compare. The skills that carried over, the ones that didn't, and what he wishes he knew earlier.
If you're thinking about a career change, or you're weighing up real estate against financial advice, this one's for you.
In this episode:
Why Orion left real estate
What drew him to financial advice
How selling houses compares to helping clients plan their future
The hardest part of the switch
His advice for anyone thinking about the move
Practical Wealth is brought to you by Invicta Financial.
Subscribe for new episodes every Monday.
Invictafinancial.co.nz (invictafinancial.co.nz)
9 Aug 2026
KiwiSaver Is Costing You Six Figures. Here's Why
Most Kiwis set their KiwiSaver up once and never touch it again. That decision can cost you hundreds of thousands by retirement.
In this episode of Practical Wealth, Lucas Yeung and Jared Wilson break down how KiwiSaver actually works, the difference fund choice makes over 30 years, and the questions you should be asking your provider right now.
We cover:
Why your fund type matters more than your balance
The default fund trap
Contribution rates and what they really mean for retirement
When it makes sense to get advice on your KiwiSaver
Practical Wealth is brought to you by Invicta Financial, a licensed Financial Advice Provider (FSP1003084). This episode is general information only and is not financial advice. Talk to a financial adviser before making decisions about your KiwiSaver.
Book a free KiwiSaver review: KiwiSaver Review (https://www.invictafinancial.co.nz/contact)
Follow us on Spotify, YouTube and Instagram.
12 Jul 2026
The KiwiSaver change that could affect every worker in New Zealand.
Episode 3 of Practical Wealth.
National has proposed making KiwiSaver compulsory if they win the next election. Big change for every working Kiwi.
Lucas and Jared break it down. The case for. The case against. Who wins, who loses, and what it means for your pay and your retirement.
No spin. Both sides.
General information only, not personal financial advice.
Practical Wealth is brought to you by Invicta Financial.
5 Jul 2026
The truth about being a financial adviser that nobody tells you.
Episode 2 of Practical Wealth.
We sit down with Jared, one of Invicta's top advisers, on the reality of building a career in financial advice. The early grind, the moment he nearly walked, and what turned it around.
Honest, practical, and built for anyone thinking about backing themselves in this industry.
Practical Wealth is brought to you by Invicta Financial (https://www.invictafinancial.co.nz/).
26 Jun 2026
From door knocking to a national firm: how Invicta got built
Episode 1 of Practical Wealth. Lucas Yeung shares the story behind Invicta Financial, from the early grind to building a growing national advice firm. Honest lessons on starting out, backing yourself, and what it actually takes to build something in New Zealand financial services.
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