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Our Advice Process

How Financial Advice Works With Ryker

Clear, personal advice, one step at a time. We’ll walk with you from the first conversation to the plan in place, and beyond.

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Step 1 of 3

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Platinum-rated on Adviser Ratings60+Years of combined experience1:1Personalised serviceExcellentRated excellent, 5 out of 5 stars on Google

ExcellentRated excellent, 5 out of 5 stars on Google

Ray & Joyce Butterfield
This has really changed our lives

Ray and his team has been incredible, they look after my entire family including my brother in law. Over the years he has helped us with investments, tax and other advice. This has really changed our lives.

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Andres Marin
Dean Desoukey is changing lives!!

From the very beginning he was warm, patient, incredibly knowledgeable, and genuinely cared about helping us make the right decisions for our future. The positive impact they've had on our family financially and the peace of mind he's given us has been huge.

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Deniz Yilmaz
I felt heard, understood, and respected

I can't speak highly enough of the service I received from Dean Desoukey. Financial conversations can often feel overwhelming, but he created a space where I felt heard, understood, and respected. He took the time to really listen, explained things clearly, and never rushed me through decisions.

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Irena Bailey
Knowledgeable, patient and caring

I cannot recommend Ray highly enough. He is an exceptional financial adviser: knowledgeable, patient and caring. From the very beginning, he took the time to truly understand my goals and helped me to create a clear structured financial plan. I never feel rushed or pressured.

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Kahtan Haddara
Thank you Ray for protecting me and my family

Ray has been my trusted financial adviser for over 12 years. He is highly knowledgeable and passionate about making sure his customers have the right insurance to secure them and their family. I was recently sick and Ray was there right away when needed most.

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Quang Vo
He went above and beyond

I recently dealt with Ricky Regmi at Ryker Capital, and I couldn't be more satisfied with the service I received. Ricky was incredibly patient and supportive throughout the entire insurance process. He went above and beyond, coordinating with my accountant and doctor to ensure everything was in order.

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Kristina B
It never feels transactional

We've been working with Jack for the past two years, and it's been an incredibly positive experience. He takes the time to build genuine relationships and really gets to know his clients beyond just the numbers. It never feels transactional; it feels like he truly cares about our wellbeing.

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Theo L
Immensely professional and diligent

Ray has been immensely professional and diligent in my most recent SMSF restructure and insurance review. He not only tweaked it to make it work more for me and my future goals but recommended future strategies to help build my wealth. Cannot recommend him enough.

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How it works

How We Work Together

  • Ray Regmi
  • Ricky Regmi
  • Dean Desoukey
  • Jack Oineza
  • Malissa Vourakis
  • Sierra Vallentine
  • Shahzeb Suhail
  • Devi Moopnar
Our team is here to help.
A smiling man in glasses and a light blue blazer shaking hands across a table

An Initial Conversation

Tell us what's on your mind and what you'd like to be different. There's no cost for the initial conversation. We'll explain how we can help, what happens next and what we'll need to get started.

  • What's prompted you to look into advice
  • Where your money is up to right now
  • The questions you'd like answered
  • What the next step involves
  • How we get started together
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Your Strategy Workshop (Consultation)

We take time to understand your goals, your circumstances and what matters most to you. We listen first, and we don't make a recommendation before this conversation.

  • Your goals, in your own words, and which ones come first
  • Your income, what you own and what you owe
  • Your household, and anyone you support financially
  • Anything you already have in place, such as super, insurance, loans or investments
  • What you'd like the next few years to look like
Two colleagues at a desk reading through a document together

Your Strategy and Plan

We research your position and the options available to you, then set out our advice in writing: where you are now, where you'd like to get to, and a suggested order of steps for your circumstances. Then we go through it with you.

  • What you hold now, including its costs, fees and features
  • The strategies we've considered for your circumstances, and how they compare
  • The recommendations in writing, with the reasoning behind each one
  • A walk through the advice with you, so every recommendation is clear before anything is in place
A tradesman in a high-vis shirt smiling at his laptop in the workshop

Putting the Plan in Place

Love the plan we've put together? We'll put it in place with you. We help with the applications and paperwork, and follow up with the providers involved.

  • The applications and forms, prepared with you for your signature
  • Follow-up with the super funds, insurers and other providers, with the insurer making the final decision on any cover
  • Coordination with your accountant, broker or solicitor where their advice is needed
  • What we need from you, and when we need it
  • Updates on what's done and what's still in progress
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We Stay in Your Corner

Ongoing advice is where the real long-term value lies. We review your plan with you each year and update it where your circumstances or the rules have changed. We're invested in your long-term success.

  • Regular reviews of your plan, as set out in your ongoing advice agreement
  • What's changed in the rules, and whether it affects you
  • Your strategy reviewed, and adjusted where your circumstances have changed
  • Your goals revisited, and the plan updated if they've moved
  • A financial adviser to talk to before you make a big financial decision

Every financial decision impacts the next

Your Financial Life Is Connected

Great advice starts with understanding the bigger picture. Every stage of life presents new opportunities and challenges, from buying property and changing careers to growing your family, planning for retirement and protecting what matters most. At Ryker, we help connect every piece of your financial world into one clear strategy.

ExcellentRated excellent, 5 out of 5 stars on Google

Book Your Initial Conversation

Whatever’s on your mind, we’re here to help. You’ll speak with an authorised financial adviser who’ll listen first and get to know what matters to you.

Reviews

Testimonials from Our Clients