Are your personal and business assets really protected?

In this essential episode, Financial Planner Victor Idoko sits down with Ury Zhang, Director of Biz Lawyers, to break down what every business owner and high-net-worth individual MUST know about asset protection, legal structures, lending traps, and legacy planning.

✅ Learn the difference between smart structuring and costly mistakes

✅ Discover how to avoid being personally liable as a guarantor

✅ Understand how family trusts, investment vehicles, and legal advice help protect your wealth

🎙️ Timestamps:

(0:50) Introduction

(1:50) Meet Ury Zhang (Director, Biz Lawyers)

(5:00) Asset Fundamental Protections

(7:52) Different Risks That Can Affect Your Assets

(13:03) Real Scenario: Lending, Loans & Guarantor Pitfalls

(17:30) What Structure Should You Use When Starting a Business?

(30:00) Family Trust Explained Simply

(40:32) Legacy Planning & Business Succession

(44:00) How to Reach Ury Zhang for Help with Asset Protection

📩 Want your assets protected? Reach out to our guest or book a financial strategy session with Victor at cfvadvisory.com.au

Click this link to get started: https://shorturl.at/ybaFY

Connect with Victor:

📸 TikTok: / victoridokowlthadv

👔 LinkedIn: / victor-idoko-cfa-a5799076

Connect with Ury Zhang:

👔 LinkedIn: https://www.linkedin.com/in/ury-zhang-commercial-lawyer/

➡️ FB/IG : https://www.instagram.com/bizlawyersau/

Follow us:

➡️ Website: https://cfvadvisory.com.au/

➡️ FB / IG: / cfvadvisory

➡️ LinkedIn: / cfv-advisory

➡️ YouTube: / @victoridokocfv

#AssetProtection #BusinessPlanning #FinancialAdviceAustralia #HighNetWorth #BusinessOwners #FamilyTrusts #FinancialPlanning #CFVAdvisory #LegacyPlanning #SuccessionStrategy #TaxEfficiency

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In this episode, Victor answers your most burning questions about money, superannuation, home loans, business debt, and even pre-nups. Whether you're in your 20s, 30s, or 50s — there’s something in here for everyone who's serious about getting financially confident and future-ready.

Timestamps:

(0:50) Question 1: Should I put my money into Super?

(1:23) If you’re in your 30s, here’s what to do with your Super

(3:06) If you’re in your 50s, here’s how to approach your Super

(3:59) Q2: Do banks look at my Uber Eats spending when applying for a loan?

(5:32) Q3: Should I buy an investment property in my 20s or 30s?

(7:30) Q4: As a business owner, should I use debt to grow my business?

(8:40) Q5: What’s my take on pre-nups and post-nups?

Any discussion in this post does not take into account your objectives, financial situation or needs. Before acting on it, you should consider whether it’s appropriate to you, in light of your objectives, financial situation or needs.

👉 Ready to take control of your financial future? Click this link to get started: https://shorturl.at/ybaFY

Connect with Victor:

📸 TikTok: / victoridokowlthadv

👔 LinkedIn: / victor-idoko-cfa-a5799076

Follow us:

➡️ Website: https://cfvadvisory.com.au/

➡️ FB / IG: / cfvadvisory

➡️ LinkedIn: / cfv-advisory

➡️ YouTube: / @victoridokocfv

#SMSF #WealthPlanning #Superannuation #EstatePlanning #Finance #MoneyTalks #RetirementPlanning

Hosted on Acast. See acast.com/privacy for more information.

Victor breaks down a real-life case study to help you build a solid pre-retirement game plan — from structuring super contributions to mortgage strategies, investment buckets, and estate planning. Whether you're just 2 years away or still 10 years out from retirement, this episode gives you the tools to take control and secure your future.

🎯 It’s not just about building wealth — it’s about protecting it, growing it, and drawing from it wisely.

Timestamps

(0:44) Meet Jane & John: A pre-retirement case study

(1:08) Problem 1: Unallocated surplus income — where should your extra money go?

(2:08) Problem 2: Are your super contributions actually optimized?

(3:58) Problem 3: Mortgage vs Super — where does your surplus make the most impact?

(5:17) Solution 1: Super contributions, fund comparisons & tax savings

(7:13) Solution 2: Paying down the mortgage & building an emergency buffer

(8:05) Solution 3: Building a retirement income plan using the 3-bucket investment strategy

(12:53) Solution 4: Estate planning — wills, nominations & tax outcomes for your heirs

What You’ll Learn

✅ How to spot gaps in your pre-retirement plan

✅ Super strategies for tax savings and retirement income

✅ The pros and cons of mortgage vs super contributions

✅ How to use a 3-bucket strategy to smooth out your retirement cash flow

✅ The truth about wills, superannuation, and who really gets your money

👉 Ready to get serious about retirement? Subscribe, follow, and share this with someone who’s ready to make their money work for them.

🎧 Click here to get started: https://linktr.ee/cfvadvisory

Meet Victor Idoko

Victor is a Chartered Financial Analyst (CFA) with a Master’s in Commerce (Finance) and a Bachelor’s in Economics. 📚 He also holds an Advanced Diploma in Financial Planning. His passion is helping others live more rewarding lives through better financial decisions — whether it’s gaining clarity, building security, or freeing up time. 🌟💰

Connect with Victor:

📸 TikTok: / victoridokowlthadv

👔 LinkedIn: / victor-idoko-cfa-a5799076

Follow us on social media:

➡️ Website: https://cfvadvisory.com.au/

➡️ Facebook: / cfvadvisory

➡️ Instagram: / cfvadvisory

➡️ LinkedIn: / cfv-advisory

➡️ YouTube: / @victoridokocfv

#RetirementPlanning #Superannuation #BucketStrategy #EstatePlanning #AustralianFinance #WealthProtection #CFVAdvisory #FinancialIndependence #SmartMoneyMoves #InvestingForRetirement #ElevateYourWealth

Any discussion in this episode does not take into account your objectives, financial situation or needs. Before acting on it, you should consider whether it’s appropriate to you, in light of your objectives, financial situation or needs.

For tailored support, speak with a licensed professional about your financial planning or financial services needs today.

Hosted on Acast. See acast.com/privacy for more information.