Can a financial planner really change your property future? In this episode, we challenge the myths, fears, and fallacies stopping Australians from building real wealth, especially when cash flow feels tight and risk feels high.

Today, I’m joined by Nazar Pochynok & Julien Renard, two of the sharpest financial planners in the game, to unpack the strategies behind how to buy your first investment property in Australia and hold it successfully long term. This isn’t theory… it’s real talk about money behaviours, income, tax, lifestyle planning, and building wealth with purpose.

In this episode, you’ll learn:

  • Why cash flow, not location, kills most portfolios
  • How financial planners convert income + equity into predictable outcomes
  • The truth about the “150K passive income” fallacy
  • Property strategy vs. property product, why most people get it backwards
  • How to protect your job, income & future lifestyle

If this episode hit home, subscribe, drop a comment, and share it with someone who needs it.

We talk about:

00:00Why Investors Panic About Cash Flow
02:15Broker vs Buyer’s Agent vs Planner
05:40Shares vs Property, What Works?
08:35Do You Earn Enough for a Planner?
11:25Who Controls Your Cash Flow?
15:50Why Buyer’s Agents Aren’t First
20:10Strategy Before Searching
25:21DIY vs Done-for-You Wealth
30:01The $150K Passive Income Myth
33:15Wealth With Purpose & Longevity
36:43Capital Growth vs Cash Flow
41:22Couples & Money Psychology
45:16Why Advice Comes After Mistakes
50:02What Financial Literacy Looks Like
58:30Should You DIY or Hire a Planner?
01:00:09Why Coaching Isn’t One-Size-Fits-All

About Aaron:

Aaron-Christie David founded Atelier Wealth, a Mortgage & Finance Association of Australia (MFAA) approved Mortgage Broker. Aaron’s focus is clear – supporting property investors to make confident decisions to build their property portfolio. He has been recognised in the MPA Top 100 Broker rankings for the last three years. 

With over 10 years of financial services experience, with a career spanning Wizard Home Loans and Commonwealth Bank, Aaron’s decision to become a broker was to help more Australians fearlessly buy investment properties to achieve intergenerational wealth. 

🔗 Connect with Aaron:
Website | Instagram | Facebook | LinkedIn | YouTube

About Nazar Pochynok & Julien Renard:

Nazar Pochynok and Julien Renard are Co-Founders, Directors and Strategic Wealth Advisers at ASO Wealth, a Sydney-based boutique firm specialising in holistic financial advice and outcome-driven wealth management for professionals, business owners and families.

With over a decade of experience each, they help clients create “all-weather” portfolios through strategic advisory, wealth creation and protection, investment portfolio construction, property investment strategy, retirement and superannuation planning, and cash flow and tax optimisation across the Australian financial landscape. Their philosophy is simple: provide clear, unbiased advice that builds trust, confidence and long-term financial freedom.

Connect with Nazar Pochynok & Julien Renard:

Website | Nazar Pochynok LinkedIn | Julien Renard LinkedIn