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 ...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 ...

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 ...

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 ...JAMES MCFARLAND   In over 30 years of business Stanford Brown has gained extensive experience partnering with small to medium sized business owners. As small business owners ourselves, we understand ...

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 ...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 ...

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).SHAUN BACKHAUS   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.

STUART SHEARY   What strategies can be used to obtain and retain the Commonwealth Seniors Health Card (CSHC)? Self-funded retirees of age pension age may be eligible for the CSHC. The CSHC offers ...ASSYAT DAVID   Retirement planning for baby boomers has provided the foundation for significant growth in the financial services industry. It has underpinned service models, product solutions ...

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 ...

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 ...CLAIRE WIVELL PLATER   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 ...

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 ...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 ...