In the balance

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.

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.

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.

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.

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.

In this episode of In the Balance, Phil Tarrant from SPI is joined by co-hosts Munzurul Khan and his wife Purabi from KHI Partners to discuss how investors can create wealth through their portfolios while giving back to the community. The co-hosts start the conversation by following up on the concept of a property chief financial officer from the previous episode, with Munzurul explaining how managing a large portfolio requires strategic decision-making, focusing on factors like interest rates and maintenance costs. The trio then moves on to Purabi’s experience, transitioning from education to corporate management as she became the chief operating officer of KHI. The episode also explores the Khan Foundation, a charity that supports health and education initiatives in Kenya, Bangladesh, and Asia. Munzurul and Purabi emphasise the significance of giving back through thoughtful charity work, highlighting that kindness and making an impact are possible at any point in an investor’s journey, regardless of their wealth.

In this episode of In the Balance, hosts Munzurul Khan from KHI Partners and SPI’s Phil Tarrant are joined by the lead internal accounting partner at KHI Partners, Gary Yang, to discuss the role of a chief financial officer (CFO) within a property investment portfolio. The trio starts by exploring the traditional roles of CFOs in businesses, which typically encompass managing the balance sheet, profit and loss, and cash flow, which are essential to property investment. Gary explains that the role of a property CFO involves more than just presenting financial data. It requires understanding the client’s objectives and the ability to construct and analyse data while providing actionable insights. As property portfolios grow and evolve, the trio emphasises the need for a structured approach to financial management and presenting a compelling narrative to lenders, which a CFO can facilitate.

For their first episode of 2025, hosts Munzurul Khan from KHI Partners and SPI’s Phil Tarrant are joined by Sandeep Kaur and Michael Elias from KHI Legal to discuss the complexity of property laws and the importance of having a trusted conveyancer. According to legal experts, legal agreements are essential in property investments, especially in joint ventures where all parties must understand their roles and responsibilities to avoid disputes. The discussion then touches on the strategic aspects of property law, including asset protection and estate planning. The co-hosts emphasise the importance of having a trusted lawyer aligned with his client’s goals and ensuring the relationship continues once the deals are concluded, as legislative changes may impact their investments.

Strategic planning with a trusted mortgage broker and accountant can improve the chances of better loan terms and make a difference in investors’ complex portfolios. In this episode of In the Balance, hosts Munzurul Khan from KHI Partners and SPI’s Phil Tarrant are joined by Frank Wong and Janine Sim of KHI Finance to discuss Australia’s ever-changing economic landscape and the strategic role of mortgage brokers and accountants in helping investors build their portfolio. The group starts their discussion by reflecting on the current worldwide economic climate, including the role of the Reserve Bank of Australia and its forecast interest rate cut in the coming months. Drawing from their years of expertise, Frank and Janine share their insights on the importance of strategic financial planning, particularly in the face of rising interest rates and challenging markets, noting the need to have a trusted team around. Additionally, the group also discusses the growing interest in property trusts and the rise of private lending.

While property investment appears to be the go-to strategy for many Australians, financial experts have urged them to diversify their holdings into liquid assets, such as stocks, to protect themselves in the event of unforeseen expenses. In this episode of In the Balance, hosts Munzurul Khan from KHI Partners and SPI’s Phil Tarrant are joined by financial planners Stephen James and Max Pagnin to discuss the benefits of investment diversification. Drawing from their expertise and firsthand experience, Stephen and Max explain how to diversify your investment portfolio and the importance of investing in shares as they offer liquidity – an advantage property lacks – which can be crucial for unexpected expenses. The group also discusses financial planners’ role in guiding clients through the complexities of wealth creation.

There has never been a better time for Australians to take control of their financial futures, all it takes is a little bit of time and research. On this episode of In the Balance, hosts Munzurul Khan from KHI Partners and SPI’s Phil Tarrant discuss avenues for increasing financial literacy. They welcome to the show two of Munzurul’s colleagues, Stephanie Youngman and Aboho Haroon, who each share some of the valuable lessons they’ve learnt as accountants from observing client risks and opportunities. Stephanie shares her experience as a property investor, and how she amassed a portfolio of six properties to secure her financial goals. Aboho, meanwhile, delves into the intricacies of self-managed super funds as one avenue for a prosperous retirement.The group discusses how access to information has changed, and shares how resources – just like this podcast – have made information on financial matters more accessible to the general public.

What does “wealth” mean? Ideas will differ, but everyone can have a plan for attaining that goal. In the inaugural episode of In the balance, Munzurul Khan and Trevor Hau from KHI Partners join SPI’s Phil Tarrant to talk about wealth creation and the many different avenues open to people in Australia for solidifying their financial future – and the professionals who can help get them there. The trio discuss what it means to take control of your money, and how to go about crafting a strategy to achieve financial goals. In this podcast series, listeners can expect to dive into the nitty-gritty of accounting, finance and strategy to make sure their books are always balanced, and their future is bright.