In the balance

• Building tomorrow’s financial experts to drive client success

  In the latest episode of In the Balance, host Phil Tarrant speaks with Munzurul Khan, co-founder of KHI Partners, and rising talent Aaron Sim, about navigating the complex world of financial advisory and the importance of building a strong team of experts. The discussion reflects on the podcast’s first year, highlighting KHI Partners’ growth and diverse services, including financial planning, mortgage broking, insurance, estate planning, and their new property buyer arm led by Ross Le Quesne. Munzurul emphasises the firm’s philosophy of perpetuity, focusing on long-term growth, nurturing talent, and fostering a culture of camaraderie within the team. The episode also showcases rising talent, including Aaron, who has transitioned from the fitness industry to mortgage broking, illustrating KHI’s commitment to developing the next generation of financial experts. Conversations then turn to the property market, with insights on navigating interest rate changes, timing investments, and seizing opportunities in the current economic climate. Throughout, the hosts emphasise the need for a holistic approach to financial solutions and commitment to client success across multiple advisory areas.

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• Why risk is the missing piece in your financial strategy

  In this episode of In the Balance, host Phil Tarrant is joined by long-time accountant and trusted adviser, Munzurul Khan, from KHI Partners to unpack the crucial, but often overlooked, role of risk management in wealth creation. With a professional relationship spanning more than a decade, Phil and Munzurul explore how trust, discretion, and a deep understanding of personal goals underpin financial decision-making. Munzurul shares how managing risk isn’t about avoiding it altogether, but about understanding your profile, building robust structures, and making informed, pragmatic decisions. He highlights the importance of staying ahead of compliance obligations, and leaning on trusted advisers, particularly accountants, to orchestrate a cohesive financial strategy. From navigating ATO audits and structuring property investments, to ensuring cash flow, interest deductibility, and appropriate insurance cover, this episode offers a practical masterclass in risk mitigation for investors. Phil and Munzurul then discuss the power of curiosity and adaptability in today’s changing economic climate, and why strategic patience is key to staying the course.

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• New venture blends property strategy with financial expertise

  In this episode of In the Balance, co-hosts Phil Tarrant from SPI and Munzurul Khan from KHI Partners are joined by KHI head buyer’s agent, Ross Le Quesne, to discuss the launch of KHI’s strategic buyer’s agency that blends financial expertise with strategic property guidance. Ross, once one of Australia’s top mortgage brokers, has partnered with KHI Partners founder Munzurul to launch a new buyer’s agency focused on strategic property investment. The duo aims to combine Ross’ financial expertise with KHI’s trusted advisory approach to offer clients holistic, long-term investment solutions. Their agency will target both residential and commercial properties, with a strong focus on the Melbourne market, where a dedicated acquisitions team is already in place. Ross’ move into buyer’s advocacy is driven by his passion for property and desire to help investors move past analysis paralysis. His financial background allows him to provide not just property advice, but tailored strategies that align with broader wealth goals. KHI’s emphasis on trust and accountability ensures this new venture stays grounded in client-first values while embracing collaboration across the industry, working alongside brokers and planners to deliver more comprehensive support. As buyer’s agents gain recognition in Australia, Ross and Manzurul are well-positioned to lead with insight, experience, and a strong commitment to investor success.

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• Why insurance is the missing link in your property and business strategy

  In this episode of In the Balance, co-hosts Phil Tarrant from SPI and Munzurul Khan from KHI Partners are joined by managing director of KHI Insurance Services, Rochelle Kettles, to unpack the critical but often overlooked role of insurance in property investment and business operations. The trio highlights how insurance, though often overlooked, is essential for property investors and business owners, with Rochelle explaining the distinctions between insurers, underwriters, and brokers. A major point is the danger of underinsuring properties, especially given rising construction costs and evolving building codes, with Munzurul sharing a personal story about underinsurance, reinforcing the need for regular policy reviews. The conversation then expands into business insurance, with Rochelle pointing to the growing relevance of management liability insurance due to rising occupational health and safety claims and the rise of cyber insurance. The episode also underscores the value of working with knowledgeable brokers who can provide guidance and advocate during claims. For investors and business owners, the takeaway is clear: insurance should be proactive, not reactive.

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• Beyond the portfolio – A property investor’s guide to estate planning

  In this episode of In the Balance, Phil Tarrant from SPI is joined by co-hosts Munzurul Khan from KHI Partners and Tyrone Dutt from KHI Estate Planning to discuss portfolio succession and estate planning. While many investors focus on acquiring assets, few think about what happens to their wealth when they’re no longer around, often resulting in a large portion of assets being lost to taxes or distributed against their wishes. According to the KHI experts, a well-crafted estate plan includes a will, power of attorney, guardianship, and superannuation directives to ensure investors control their portfolio until the end. Tyrone also suggests that investors involve their families in the process, which helps avoid future disputes and builds financial literacy in the next generation. Although costs can range from $4,000 to $10,000, the KHI experts recommend that investors review their estate plans every two to three years or following major life changes to remain aligned with personal goals.

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