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by Tim Ellis & Brodie Haggerty
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Most financial advisers defend adviser fees. In this episode, Tim and Brodie do something different...... they challenge them. From ongoing fees on “set and forget” portfolios, to percentage-based charges that grow far faster than the actual work involved, this episode explores when adviser fees genuinely deliver value… and when they may not. Tim and Brodie unpack: Why unclear fees are always a problem Whether passive investment portfolios justify ongoing advice fees &nb...
A recent RNZ headline claimed all active fund managers underperformed over the last year — a bold statement that sparked plenty of debate across the investment world. But how accurate is that headline, and what does the underlying data actually show? In this episode, Tim Ellis and Brodie Haggerty unpack the latest SPIVA report, break down the difference between active and passive investing, and explore why so many fund managers struggle to consistently beat the market over the long term...
"Just buy a low cost S&P500 index tracking fund....." Most investors think buying a low-cost S&P 500 ETF is the smartest move they can make—but the 0.03% fee doesn’t tell the full story. In this episode, I break down the hidden costs, missed opportunities, and structural limitations of passive investing. If you’re relying on “cheap” as your strategy, this one might change how you think about it. If you have a question, suggestions, or a topic you would like us to cov...
In this episode, I’m joined by Taylor Schulte, founder of Define Financial and host of the Stay Wealthy Retirement Podcast. We unpack why retirement, especially early retirement, is far more of a psychological challenge than a financial one. From identity loss to spending anxiety, this conversation highlights the real risks people overlook when planning their exit from work. As mentioned in this weeks episode, a link to Taylor's own episode that dives deeper into the 4% of stocks that have ac...
In this episode, Tim breaks down what actually happened across global markets, why investor sentiment has shifted, and how similar this year looks to past market cycles. More importantly, he explains why short-term volatility might not mean what you think it does for your long-term plan. If you have a question, suggestions, or a topic you would like us to cover, please send an email to: podcast@foxplan.nz For More Dollars & Sense Content: Click Here Listen to all The Dollars &am...
This year, tens of thousands of Kiwis will reach retirement age — but how much does timing really matter? In this episode, I break down three real retirement scenarios using the same $2M portfolio across very different market conditions. The results might surprise you — and challenge how you think about risk, timing, and what actually makes a plan successful. If you have a question, suggestions, or a topic you would like us to cover, please send an email to: podcast@foxplan.nz F...
Index funds “don’t work” in bear markets… or do they? In this episode, I break down three powerful ways index funds can still create future gains when markets are falling From dividend reinvestment to rebalancing and dollar-cost averaging. If recent market movements have you questioning your strategy, this is a must-listen reality check. If you have a question, suggestions, or a topic you would like us to cover, please send an email to: podcast@foxplan.nz For More Dollars & S...
Most people excel in one part of their financial plan. Wither they are very proficient in budgeting, investing, or have sought out expert advice regarding their insurances. However, almost no one talks about how they actually work together. In this episode, I break down the hidden link between all three, and why being weak in one can quietly sabotage the others. The alignment of all three is a fundamental to a smart financial plan. If you have a question, suggestions, or a topic you would lik...
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The Dollars & Sense Podcast: Smart Finance for Kiwis in Their PrimeTired of generic money advice that doesn't fit your life? Hosted by qualified NZ financial advisers Tim Ellis and Brodie Haggerty, this podcast cuts through the noise to deliver real-talk financial literacy for New Zealanders in their mid-30s to late-40s. Whether you're growing your wealth, protecting assets amid rising costs, or planning for family milestones like buying a home or prepping for retirement, we've got actionable strategies tailored to Kiwi realities—think IRD tax hacks, KiwiSaver tweaks, and recession-proof investing.With 50+ episodes packed with expert insights, listener Q&As, and no-BS breakdowns (from "Bulletproofing Your Super in Uncertain Times" to "Side Hustles That Actually Build Equity"), we're back from a quick hiatus with fresh weekly drops starting now. No jargon, just dollars and sense to help you thrive.Subscribe today on Apple P
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