TIM AMAN   Risk culture is a complex, forward looking and qualitative component of an organisation. Further, it requires unique approaches in relation to risk management and mitigation.ELIZABETH MCARTHUR   It's been a slow burn but environmental, social and governance concerns have finally become mainstream among institutional and retail investors. According to Rainmaker data ...

JASON TEH   Bear markets are great. To explain, lower prices mean greater future returns. Bear markets always occur during global slowdowns as investor confidence is shaken from lower growth ...JOHN SORRELL   During and after the global financial crisis, the prices of residential mortgage-backed securities (RMBS) were quite severely impacted; however, since then they are once again ...

RACHEL LEONG   Approaching a difficult topic Some may consider raising the topic of life insurance during a divorce as bad timing, however, it is an important conversation to have because the ...ANDRES WEBERSINKE   Individual disability income insurance (DII or income protection) is a key insurance product for consumers. It offers essential financial protection when income falls away due ...

NALIKA NANAYAKKARA   Traditional client engagement channels are being consigned to the past as voice-enabled tools and digital assistants take us to the future. The velocity of digital innovation ...PATRICK LEMMENS   Robo-advice is a hotly debated topic in the fintech space. On the one hand it has opened up the low-wealth market, that was previously unservable, to finally be consulted on their ...

MARK ELLEM   I love an election, particularly a federal one - it's the quintessential characteristic of democracy in action (provided there's no undue influence from foreign governments).DANIEL BUTLER   The next Federal election, according to our current Prime Minister Mr Scott Morrison, will be held in May 2019 and, if the Labor Government is elected, significant change is likely.

RAHUL SINGH   An aged care focus In the 2017/18 financial year, the average age of admissions to permanent residential aged care was 82 years for men and 84.5 years for women (Department of ...ANGELA HARRY   Moving into a granny flat is a great way to live close to loved ones while providing them with a first home or investment property, but before committing to such a drastic change ...

KERSTIN GLOMB   Most people have come across enduring powers of attorney (EPA), but there is still uncertainty around what an attorney can and cannot do. An EPA is a legal document that allows ...KEAT CHEW   Apart from super benefits paid from an untaxed super scheme - usually Commonwealth and State government pension funds - there are only limited circumstances where an untaxed element ...

ELIZABETH MCARTHUR   A debate is raging about what the Financial Adviser Standards and Ethics Authority's Code of Ethics means for ESG investing and advising clients on ethical investment options ...PETER TURBACH   There has been a lot of attention by the law makers and the regulators over the last few years in the advice business. Specifically in the managed accounts world, we have seen ...

NALIKA NANAYAKKARA   Firms must recalibrate their pricing models and do a better job of communicating their value to clients. Nearly half of discretionary wealth management clients are dissatisfied ...KIM GUEST   New legislation passed parliament that changes the social security assessment of lifetime income streams including lifetime annuities. This paper is the second part in a two-part ...

CLAUDIA PRITCHITT   In the past decade, the media serving financial services has changed almost as much as the financial services industry itself. Financial services changes have been regulatory ...JENNY PEARSE   The rapid evolution of digital, mobile and social technology has propelled the financial advice industry into an era of transformative agility and adaptability. Australian financial ...