COUNTPLUS *   The coming years may be the most tumultuous in the history of the Australian financial services sector. This paper, based on the research of CoreData, argues that one of the core ...TOM REDDACLIFF   The original version of this paper was written in August 2018 - however, we cannot ignore the potential implications of the Hayne Royal Commission Final Report (RC report). As ...

PHILIP SAUNDERS   The fast view Humanity faces an unprecedented challenge: to transition quickly to a carbon-free growth model, one that reduces the emissions causing climate change and could also ...MARK ARNOLD   The secret to making money in a capitalist system The secret to building long-term wealth is simple - earn consistent, attractive returns on capital, and allow them to compound ...

GREG MARTIN   Discontent is engulfing the retail income protection insurance sector. This is not surprising given income protection claims have doubled in the last ten years. The steep trajectory ...DANIEL BIONDI   Insurance has long been viewed as a relatively stable offering within the financial services sector. Traditionally, people paid their premiums on a regular basis with monies invested ...

JEROEN VAN OERLE   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 ...HUB24 PTY LTD   In a world where technology is reshaping the way we live, it was always a question of when, not if, digital innovation would change the way consumers manage their money and 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). It's ...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.

LINDA BRUCE   Ageing populations across western industrialised nations like Australia are a result of increased life expectancy and lower birth rates. In fact, as at 30 June 2018, our nation ...TIMOTHY SMART   For most Australian retirees, the age pension is a meaningful portion of their retirement income, and for all retirees it should be considered as part of the retirement planning ...

DANIEL BUTLER   The recent case of Burgess v Burgess [2018] WASC 279 ('Burgess') continues a line of cases that consider the conflict that arises where a person acts as executor of a deceased ...DON HAMSON   The ALP is proposing a raft of tax changes that will negatively impact after tax outcomes for many Australian investors should they be enacted. Arguably the most controversial ...

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 ...SONIA CRUZ   There are four things that you need to do after 1 July 2013 when providing personal advice to retail clients - in addition to the disclosure requirements. The four things include ...

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 ...KIM GUEST   New legislation passed parliament that changes the social security assessment of lifetime income streams including lifetime annuities. Under the new rules, lifetime income streams ...

LEEANNE BLAND   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 as ...NAOMI CHRISTOPHER   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 ...