RAY MCHALE   The Financial Adviser Standards and Ethics Authority (FASEA) Code of Ethics (Code) consists of the five ethical values of trustworthiness, competence, honesty, fairness, and diligence; ...PAUL DERHAM   Chances are you are reading this paper on an electronic device. You may have used the same device to video-chat with others, message your team and create or send documents—in ...

ANDREW WILSON   People often ask why interest rates are so low, what is a negative interest rate and when will rates rise again. This paper explains the economics behind low interest rates, considers ...PETER HARPER   Core exposures form the foundation of an investor's portfolio. Key attributes of these exposures are longevity, value and the ability to meet asset allocation objectives. Exchange-traded ...

MICHAEL RENNY   One of the emerging risks raised in this year's Swiss Re SONAR New emerging risk insights report (SONAR report) is 'mental health among the young'. The SONAR report ...JEFFREY SCOTT   Advisers are often asked whether or not a client should own their total and permanent disability (TPD) policy individually (self-owned) or have it structured via a superannuation ...

HUB24 PTY LTD   Financial advice is a service valued by many Australians, and many more are interested in seeking advice. However, it is currently not accessible to all. One of the main reasons ...KYLIE BRYANT   The coronavirus (COVID-19) pandemic is reshaping the global business landscape, giving rise to new consumer attitudes and behaviours that are expected to have a lasting impact.

TERRI BRADFORD   Legislation has passed allowing employees with multiple employers to opt out of receiving superannuation guarantee payments to avoid unintentionally breaching their concessional ...DANIEL BUTLER   This paper examine what advice self-managed superannuation fund (SMSF) advisers can and cannot provide without 'stepping over the line' especially in providing taxation ...

RAHUL SINGH   When a client moves into aged care, given that for many, a significant proportion of wealth is tied up in the family home, it is important to understand the impacts on social ...MANSI DESAI   From a social security assessment point of view, the principal home is generally an exempt asset irrespective of the value of the home. However, there can be circumstances when ...

APRIL KENNEDY   Capacity can be an emotionally charged topic, especially in relation to dementia or Alzheimer's disease and other degenerative conditions. This paper discusses how a Will might ...GEOFFREY MILANI   Many people generously leave gifts to charities in their Wills to support the community or important causes. Unfortunately, these gifts sometimes run into issues when the charities ...

SIMON BETCHLEY   The minute the current fee-disclosure statement (FDS) and opt-in requirements became law, advisers across the country hung their heads in the knowing that this was going to add ...ALEXA BOWDITCH   In times like these, can a business be confident that it will continue to comply with its obligations where it has outsourced certain functions? This paper explores strategies ...

ANDREW BROWNE   Get clear on what is at stake when you borrow with others. Understanding joint and severally liability loans and what it means for you You might think when you take out a joint ...MARK WILKINSON   The Financial services industry continues to undergo significant change. With the Australian economy now in a recession, many clients are looking for advice and reassurance. However ...

SCOTT BREWSTER   Due to tighter compliance requirements and changing personal priorities, many financial advisers are beginning to think of selling their practice. However, selling a practice ...SCOTT BREWSTER   According to Business Health's Catscan survey data, 25,000 clients in Australia rated the review service delivered by advisers as the worst-performing area from the perspective ...