The Practical Wealth Podcast
We cover the full picture. Investing, insurance, KiwiSaver, and property. Because real financial wellbeing comes from understanding how everything works together.
October 5, 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.
September 28, 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.
September 21, 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.
September 14, 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.
September 7, 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.
August 31, 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.
August 24, 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.Contact us to chat
August 17, 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 estateWhat drew him to financial adviceHow selling houses compares to helping clients plan their futureThe hardest part of the switchHis advice for anyone thinking about the movePractical Wealth is brought to you by Invicta Financial.Subscribe for new episodes every Monday. Invictafinancial.co.nz
August 10, 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 balanceThe default fund trapContribution rates and what they really mean for retirementWhen it makes sense to get advice on your KiwiSaverPractical 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 Follow us on Spotify, YouTube and Instagram.
July 13, 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.
July 6, 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.
June 26, 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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