The #WhatsNext Podcast

There's a lot of economic noise out there nowadays, so in this episode we're diving into the reality of whats happening and how the New Zealand economy might just be starting to make a turn for the better.On top of that, we dive into what separates businesses that thrive from those stuck in a race to the bottom.More information on our 90 day business planning program: https://nextadvisory.nz/90-day-business-planning/If you're interested in working together:Visit our website https://nextadvisory.nzLet's connect over a quick call: https://calendly.com/philsmith/Instagram: https://www.instagram.com/nextadvisory.nz/

Apply for the winning formula 12 month business planning: https://nextadvisory.nz/the-winning-formula/If you're interested in working together:Visit our website https://nextadvisory.nzLet's connect over a quick call: https://calendly.com/philsmith/Instagram: https://www.instagram.com/nextadvisory.nz/

Last Wednesday the reserve bank increased the Official Cash Rate up 25 basis points from 2.25% to 2.50% citing increased inflation and uncertainty. Today we discuss what this means for business owners and what you need to start preparing for so you don't get caught out.Apply for the winning formula 12 month business planning: https://nextadvisory.nz/the-winning-formula/If you're interested in working together:Visit our website https://nextadvisory.nzLet's connect over a quick call: https://calendly.com/philsmith/Instagram: https://www.instagram.com/nextadvisory.nz/

Register for the 'know your numbers' training here: https://nextadvisory.kartra.com/checkout/webinarIf you're interested in working together:Visit our website https://nextadvisory.nzLet's connect over a quick call: https://calendly.com/philsmith/Instagram: https://www.instagram.com/nextadvisory.nz/

Earlier this year we held an in person event for aspirational business owners wanting to take things up a level. This call is a 3 month update of what they've got up to, what they've learnt and whats worked for them since.Get access to our business planning tool at https://nextadvisory.nzIf you're interested in working together:Visit our website https://nextadvisory.nzLet's connect over a quick call: https://calendly.com/philsmith/Instagram: https://www.instagram.com/nextadvisory.nz/

Thinking of buying a business? Speak with Phil first: https://nextadvisory.nz/buying-a-business/If you're interested in working together: Visit our website https://nextadvisory.nzLet's connect over a quick call: https://calendly.com/philsmith/Instagram: https://www.instagram.com/nextadvisory.nz/

Thinking of buying a business? Speak with Phil first: https://nextadvisory.nz/buying-a-business/Today we break down the stark economic divide between the buzzing South Island and sluggish North Island.If you're a business owner wondering why everything feels harder up north, this episode will either confirm your suspicions or challenge you to stop making excuses and go find the money.If you're interested in working together:Visit our website https://nextadvisory.nzLet's connect over a quick call: https://calendly.com/philsmith/Instagram: https://www.instagram.com/nextadvisory.nz/

Apply for the winning formula 12 month business planning: https://nextadvisory.nz/the-winning-formula/If you're interested in working together:Visit our website https://nextadvisory.nzLet's connect over a quick call: https://calendly.com/philsmith/Instagram: https://www.instagram.com/nextadvisory.nz/

More information on our 90 day business planning program: https://nextadvisory.nz/90-day-business-planning/ Find Mikey: https://www.instagram.com/officialmikeysmith/ https://guardiansmith.co.nz/If you're interested in working together:Visit our website https://nextadvisory.nzLet's connect over a quick call: https://calendly.com/philsmith/Instagram: https://www.instagram.com/nextadvisory.nz/

Thinking about buying into the company you work for? Learn how to navigate the offer, assess the risks, and understand the reality of buying into your bosses business. Thinking of buying a business? Speak with Phil first: https://nextadvisory.nz/buying-a-business/If you're interested in working together:Visit our website https://nextadvisory.nzLet's connect over a quick call: https://calendly.com/philsmith/Instagram: https://www.instagram.com/nextadvisory.nz/

Looking for more clarity and growth in your business? Book a call with us at https://nextadvisory.nz A lot of New Zealanders are unaware that their business could be worth something, so today we discuss exactly what it takes to sell a business in New Zealand.If you're interested in working together:Visit our website https://nextadvisory.nzLet's connect over a quick call: https://calendly.com/philsmith/Instagram: https://www.instagram.com/nextadvisory.nz/

Apply for the winning formula 12 month business planning: https://nextadvisory.nz/the-winning-formula/If you're interested in working together:Visit our website https://nextadvisory.nzLet's connect over a quick call: https://calendly.com/philsmith/Instagram: https://www.instagram.com/nextadvisory.nz/

Looking to buy a business in New Zealand? The last thing you want to be doing is overpaying, its a mistake that could cost you tens, if not hundreds of thousands of dollars (even millions in some cases).So today Phil's breaking down exactly what you need to know to avoid overpaying when buying a business in New Zealand.Thinking of buying a business? Speak with Phil first: https://nextadvisory.nz/buying-a-business/If you're interested in working together:Visit our website https://nextadvisory.nzLet's connect over a quick call: https://calendly.com/philsmith/Instagram: https://www.instagram.com/nextadvisory.nz/

Email [email protected] for more information on our one day in person eventIf you're interested in working together:Visit our website https://nextadvisory.nzLet's connect over a quick call: https://calendly.com/philsmith/Instagram: https://www.instagram.com/nextadvisory.nz/

Apply for the winning formula 12 month business planning: https://nextadvisory.nz/the-winning-formula/If you're interested in working together:Visit our website https://nextadvisory.nzLet's connect over a quick call: https://calendly.com/philsmith/Instagram: https://www.instagram.com/nextadvisory.nz/

Phil & I are coming to you live from the BeeHive to discuss everything we have learnt so far from the NZ Budget 2026 and whats in it for business owners. Apply for the winning formula 12 month business planning: https://nextadvisory.nz/the-winning-formula/If you're interested in working together:Visit our website https://nextadvisory.nzLet's connect over a quick call: https://calendly.com/philsmith/Instagram: https://www.instagram.com/nextadvisory.nz/

Email [email protected] for more information on our one day in person eventIf you're interested in working together:Visit our website https://nextadvisory.nzLet's connect over a quick call: https://calendly.com/philsmith/Instagram: https://www.instagram.com/nextadvisory.nz/

Thinking of buying a business? Speak with Phil first: https://nextadvisory.nz/buying-a-business/If you're interested in working together:Visit our website https://nextadvisory.nzLet's connect over a quick call: https://calendly.com/philsmith/nstagram: https://www.instagram.com/nextadvisory.nz/

Drop us a line at [email protected] for more information on our upcoming in person eventIf you're interested in working together:Visit our website https://nextadvisory.nzLet's connect over a quick call: https://calendly.com/philsmith/Instagram: https://www.instagram.com/nextadvisory.nz/

More information on our 90 day business planning program: https://nextadvisory.nz/90-day-business-planning/Dylan started Northern Mobile Windscreens by putting business cards on broken windscreens in car park after car park. Now he does 132 windscreens per month and has 328 five-star Google reviews. Today Dylan breaks down his journey from employee to business owner.Find Dylan:Website: https://www.northlandmobilewindscreens.co.nz/Linkedin: https://www.linkedin.com/in/dylan-waddingham-677274366/If you're interested in working together:Visit our website https://nextadvisory.nzLet's connect over a quick call: https://calendly.com/philsmith/Instagram: https://www.instagram.com/nextadvisory.nz/

Looking for more clarity and growth in your business? Book a call with us at https://nextadvisory.nzIf you're interested in working together:Visit our website https://nextadvisory.nzLet's connect over a quick call: https://calendly.com/philsmith/Instagram: https://www.instagram.com/nextadvisory.nz/

Apply for the winning formula 12 month business planning: https://nextadvisory.nz/the-winning-formula/If you're interested in working together:Visit our website https://nextadvisory.nzLet's connect over a quick call: https://calendly.com/philsmith/Instagram: https://www.instagram.com/nextadvisory.nz/

Apply for the winning formula 12 month business planning: https://nextadvisory.nz/the-winning-formula/If you're interested in working together:Visit our website https://nextadvisory.nzLet's connect over a quick call: https://calendly.com/philsmith/Instagram: https://www.instagram.com/nextadvisory.nz/

Apply for the winning formula 12 month business planning: https://nextadvisory.nz/the-winning-formula/If you're interested in working together:Visit our website https://nextadvisory.nzLet's connect over a quick call: https://calendly.com/philsmith/Instagram: https://www.instagram.com/nextadvisory.nz/

Apply for the winning formula 12 month business planning: https://nextadvisory.nz/the-winning-formula/If you're interested in working together:Visit our website https://nextadvisory.nzLet's connect over a quick call: https://calendly.com/philsmith/Instagram: https://www.instagram.com/nextadvisory.nz/

Looking for more clarity and growth in your business? Book a call with us at https://nextadvisory.nzProvisional tax is due May 7th, 2026. If you haven't planned for it, you're about to get an expensive surprise from your accountant.Luke and Phil break down what provisional tax actually is, and everything you need to know about it.Don't let provisional tax catch you off guard. Set up a separate account and put money aside monthly.If you're interested in working together:Visit our website https://nextadvisory.nzLet's connect over a quick call: https://calendly.com/philsmith/Instagram: https://www.instagram.com/nextadvisory.nz/

Apply for the winning formula 12 month business planning: https://nextadvisory.nz/the-winning-formula/If you're interested in working together:Visit our website https://nextadvisory.nzLet's connect over a quick call: https://calendly.com/philsmith/Instagram: https://www.instagram.com/nextadvisory.nz/

Apply for the winning formula 12 month business planning: https://nextadvisory.nz/the-winning-formula/If you're interested in working together:Visit our website https://nextadvisory.nzLet's connect over a quick call: https://calendly.com/philsmith/Instagram: https://www.instagram.com/nextadvisory.nz/

Apply for the winning formula 12 month business planning: https://nextadvisory.nz/the-winning-formula/If you're interested in working together:Visit our website https://nextadvisory.nzLet's connect over a quick call: https://calendly.com/philsmith/Instagram: https://www.instagram.com/nextadvisory.nz/

Looking for more clarity and growth in your business? Book a call with us at https://nextadvisory.nzA recent study has shown New Zealand to ranked lowest amoung our Asia Pacific peers for the second year in a row, so Luke & Phil break down why New Zealand is so bad at business, and what we can learn from the ones who are still growing despite the economy. Read the report here: https://www.interest.co.nz/sites/default/files/2026-04/SBS%20Infographic%202026_New%20Zealand.pdfIf you're interested in working together:Visit our website https://nextadvisory.nzLet's connect over a quick call: https://calendly.com/philsmith/Instagram: https://www.instagram.com/nextadvisory.nz/

Apply for the winning formula 12 month business planning: https://nextadvisory.nz/the-winning-formula/If you're interested in working together:Visit our website https://nextadvisory.nzLet's connect over a quick call: https://calendly.com/philsmith/Instagram: https://www.instagram.com/nextadvisory.nz/

Property's capital gains have dried up, tax rules are going against landlords, and costs keep rising. Meanwhile, business sales are still tax-free and you have more control your own income & asset value.Luke breaks down why Kiwis are finally waking up to business as the superior asset class: no capital gains tax, better expense deductibility, and you're in control of the revenue. We cover why property feels harder when there's no capital growth, the aging business owner opportunity, and why the tax trend favours business over property.Most people on the rich list built wealth through business, not property. Maybe it's time New Zealand caught up.The old path was education → job → property → repeat. The new path might be business ownership, tax-free capital gains, and actual control over your financial future.If you're interested in working together:Visit our website https://nextadvisory.nzLet's connect over a quick call: https://calendly.com/philsmith/Instagram: https://www.instagram.com/nextadvisory.nz/

Apply for the winning formula 12 month business planning: https://nextadvisory.nz/the-winning-formula/Most business owners get so caught up building their business they forget to plan what it's actually for. Amy from Levridge explains why that's backwards thinking.Your business is there to provide you the life you want. But most people build first and figure out the purpose later.The business should serve your life goals, not become your life. Figure out what you want first.Find more information on Amy from Levridge here: https://levridge.co.nzIf you're interested in working together:Visit our website https://nextadvisory.nzLet's connect over a quick call: https://calendly.com/philsmith/Instagram: https://www.instagram.com/nextadvisory.nz/

Apply for the winning formula 12 month business planning: https://nextadvisory.nz/the-winning-formula/If you're interested in working together:Visit our website https://nextadvisory.nzLet's connect over a quick call: https://calendly.com/philsmith/Instagram: https://www.instagram.com/nextadvisory.nz/

Apply for the winning formula 12 month business planning: https://nextadvisory.nz/the-winning-formula/Graeme grew his Northland based business exponentially in just 5 years by doing one thing his competitors won't: moving fast.We break down Graeme's speed advantage, why he pays above market rates for staff, how he built relationships in small communities, and why speed creates momentum that compounds.Find more information on Graeme & Shadeland: https://www.shadeland.co.nz/If you're interested in working together:Visit our website https://nextadvisory.nzLet's connect over a quick call: https://calendly.com/philsmith/Instagram: https://www.instagram.com/nextadvisory.nz/

Apply for the winning formula 12 month business planning: https://nextadvisory.nz/the-winning-formula/If you're interested in working together:Visit our website https://nextadvisory.nzLet's connect over a quick call: https://calendly.com/philsmith/Instagram: https://www.instagram.com/nextadvisory.nz/

Get access here: https://nextadvisory.kartra.com/checkout/webinar

More information on our 90 day business planning program: https://nextadvisory.nz/90-day-business-planning/If you're interested in working together:Visit our website https://nextadvisory.nzLet's connect over a quick call: https://calendly.com/philsmith/Instagram: https://www.instagram.com/nextadvisory.nz/

Apply for the winning formula 12 month business planning: https://nextadvisory.nz/the-winning-formula/Even Watties is shutting down plants and cutting jobs. If a household name like that isn't immune, what does that mean for your business?Luke and Phil break down the liquidation crisis hitting New Zealand, with construction and hospitality leading the charge.The pattern is clear: businesses are carrying the same overhead on reduced sales, squeezing profit to losses, then using creditors and IRD to fund the shortfall. Meanwhile, IRD is getting aggressive.If you're behind on tax, it's going on your credit report. Employees will see it. Banks will see it. Suppliers will see it. You can't hide anymore.We cover why some businesses are thriving while others collapse, the unfair advantage of not paying tax (until you get caught), and why playing by the rules might finally pay off. The economy isn't coming to save you, fix your business fundamentals now. If you're interested in working together:Visit our website https://nextadvisory.nzLet's connect over a quick call: https://calendly.com/philsmith/Instagram: https://www.instagram.com/nextadvisory.nz/

Looking for more clarity and growth in your business? Book a call with us at https://nextadvisory.nzPetrol hit $3 per litre and Kiwis started queuing at gas stations like we're running out of toilet paper again.Luke and Phil break down why this oil crisis exposes our scarcity mindset: we're so focused on not having enough that we panic when supply drops slightly.Business owners face disruptions constantly, this is just another one to navigate. Stop panicking about things you can't control. Focus on what you can.If you're interested in working together:Visit our website https://nextadvisory.nzLet's connect over a quick call: https://calendly.com/philsmith/Instagram: https://www.instagram.com/nextadvisory.nz/

More information on our 90 day business planning program: https://nextadvisory.nz/90-day-business-planning/Home Office Work Sheet: https://drive.google.com/file/d/0B4dISa15v3-WREdSeFhCaHBxU3lWVnU1SFRQcTdiWmpJYksw/view?usp=sharing(Click File - Make a copy OR Download)March 31st is 2 weeks away, so today Luke & Phil are breaking down some top tax tips to know before the financial year ends and we head into the new year.Don't leave it to the last minute. Your future self will thank you for getting organised now.If you're interested in working together:Visit our website https://nextadvisory.nzLet's connect over a quick call: https://calendly.com/philsmith/Instagram: https://www.instagram.com/nextadvisory.nz/

More information on our 90 day business planning program: https://nextadvisory.nz/90-day-business-planning/John Bell went from Fonterra employe to growing Kauri Wealth to 4,750 clients in just four years.While other advisers chase big money, John's focused on putting more wealth into Northland. He's turned down lucrative oporunities to stay true to his mission.We cover the business lessons from going broke to building something meaningful, why he calls every client annually when no one else does, and how passion for community built a national business.Plus his plans to hit 10,000 clients while maintaining the same personal service.Sometimes the best business model is just caring more than everyone else.Find John:Linkedin: https://www.linkedin.com/in/john-bell-b7a698149/Website: https://www.kauriwealth.nz/If you're interested in working together:Visit our website https://nextadvisory.nzLet's connect over a quick call: https://calendly.com/philsmith/ Instagram: https://www.instagram.com/nextadvisory.nz/

Looking for more clarity and growth in your business? Book a call with us at https://nextadvisory.nz Today Luke & Phil break down lessons learned from their recent series of business planning sessions with clients, to give you the core lessons to help grow your own business.If you're interested in working together:Visit our website https://nextadvisory.nzLet's connect over a quick call: https://calendly.com/philsmith/Instagram: https://www.instagram.com/nextadvisory.nz/

Thinking of buying a business? Speak with Phil first: https://nextadvisory.nz/buying-a-business/Terminal tax is due April 7th, 2026. If you haven't planned for it, you're about to get a nasty surprise from your accountant.Luke and Phil break down what terminal tax actually is and why you should pay it early instead of waiting until the last minute.The businesses that stress about terminal tax are the ones that don't plan for it. Set up a separate tax account, put money aside monthly, and stop using IRD as your interest-free loan provider.If you're interested in working together:Visit our website https://nextadvisory.nzLet's connect over a quick call: https://calendly.com/philsmith/Instagram: https://www.instagram.com/nextadvisory.nz/

Apply for the winning formula 12 month business planning: https://nextadvisory.nz/the-winning-formula/Josh Blackie went from being a pro rugby player, to Blues GM to buying a flooring business he'd never run before. The key? Thorough due diligence and finding a point of difference in a competitive industry.Josh breaks down the business buying process, why elite sport prepares you for business, how to handle uncomfortable conversations, and why speed of communication matters when things go wrong."If you're not walking towards that uncomfortableness, it's going to come back and hurt you later on."The businesses that scale are the ones willing to have difficult conversations early, solve problems proactively, and operate in the growth zone where most people aren't comfortable.Find Josh's business here: https://www.ecodureflooring.co.nz/If you're interested in working together:Visit our website https://nextadvisory.nzLet's connect over a quick call: https://calendly.com/philsmith/Instagram: https://www.instagram.com/nextadvisory.nz/

Thinking of buying a business? Speak with Phil first: https://nextadvisory.nz/buying-a-business/Most business owners would rather find a magic solution than do the boring work that actually gets results. They're trying to solve problems at hurdles 8, 9, and 10 when they haven't even crossed the first hurdle.Luke and Phil break down why changing accountants won't fix your cash flow problems, why there's no shortcut out of debt, and why the answer is always the thing you don't want to hear: do the work. We share the story of someone who went from $60K debt to earning $265K by working 85 hours a week.If you're interested in working together:Visit our website https://nextadvisory.nzLet's connect over a quick call: https://calendly.com/philsmith/Instagram: https://www.instagram.com/nextadvisory.nz/

More information on our 90 day business planning program: https://nextadvisory.nz/90-day-business-planning/The Reserve Bank held the OCR at 2.25%, and everyone's looking for relief. But the reality is the external conditions won't save your business, your actions will.Luke and Phil break down why waiting for perfect interest rates, inflation numbers, or economic conditions is a losing strategy. We cover why business is supposed to be hard, the friction between economists and the Reserve Bank, and why some businesses are thriving while others are stuck waiting for someone else to fix their problems.When are we going to learn that the external is created from the internal? You're going to have to go and do the work first. Stop looking for magic solutions.The businesses winning right now aren't waiting for rate cuts, they're executing their strategies regardless of economic conditions.If you're interested in working together:Visit our website https://nextadvisory.nzLet's connect over a quick call: https://calendly.com/philsmith/Instagram: https://www.instagram.com/nextadvisory.nz/

A podcast we recently did on Keep The Change with economist Brad Olsen that I thought would be an interesting listen for business owners in NZ discussing whats happening in the economy, where its headed, unemployment numbers, inflation and much more.  Find Brad:https://www.infometrics.co.nz/https://www.linkedin.com/in/bradolsennzl/https://www.instagram.com/bradolsennzl/If you're interested in working together:Visit our website https://nextadvisory.nzLet's connect over a quick call: https://calendly.com/philsmith/Instagram: https://www.instagram.com/nextadvisory.nz/

Most business owners hate selling because they think it's sleazy. Max explains why that mindset is killing your business and how to sell with genuine confidence.Max breaks down the fundamentals and why most Kiwis are too soft to handle rejection.If you think sales is about getting one over someone, of course it feels yucky. But if you're genuinely helping people solve problems, it feels completely different.Max shares his journey from personal trainer to sales expert, why you need to give a shit about your customers, and how to build rapport without being fake. Sales isn't manipulation. It's helping people get closer to what they want to achieve.If you're interested in working together:Visit our website https://nextadvisory.nzLet's connect over a quick call: https://calendly.com/philsmith/Instagram: https://www.instagram.com/nextadvisory.nz/Find Max:IG: maxramontaylorEmail: [email protected]