Equity Mates Investing Podcast Ask an Adviser: 3 enduring principles to build long-term wealth - Charlie Viola | Viola Private Wealth
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Sep 22, 2025 Charlie Viola, founder of Viola Private Wealth and a top-ranked financial adviser in Australia, shares his insights on building long-term wealth. He emphasizes the importance of understanding clients' unique goals before crafting a financial plan. Charlie discusses effective investment structures and the value of disciplined leverage once debt is cleared. He advocates for active investment strategies over generic approaches and provides guidance on maintaining liquidity and rebalancing portfolios, ensuring investments are tailored for sustained growth.
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Start With Client Context
- Understand clients' goals and living situation before making investment decisions.
- Use the gap between today and desired future to design structure and investments.
Set An 'Optional Work' Target
- Ask clients what age they want work to be optional and the passive income needed.
- Use that target to model realistic plans and required savings or investments.
Run A Personal Financial Checklist
- Self-assess housing, near-term goals, income versus expenses, and balance sheet use.
- Prioritise housing security, then plan how to use surplus income and equity to build wealth.