FS Advice

Developing effective stakeholder trust strategies

RAY MCHALE   Developing effective stakeholder trust strategies has become increasingly important in the world of corporate governance.

Wills and 'the guilt of giving'

LARISA KAPUR   A Will should be structured in a way that reflects your personal wishes, not the expectations of those around you.

Making the case for alternative real estate

JULIAN BIGGINS   The last few years has been challenging for traditional real estate investment.

Guide to active cash management

MACQUARIE BANK   With the cash rate at its highest in over a decade and ongoing investor uncertainty about financial markets, the focus on cash allocations is growing. Given the higher yields now available, there could be an opportunity cost to holding idle cash.

Life insurance: Orchestrating transformation

CAPGEMINI RESEARCH INSTITUTE   This article comprises an excerpt from the World Life Insurance Report 2025, produced by Capgemini Research Institute.

Life insurance: The path to customer centricity

CAPGEMINI RESEARCH INSTITUTE   This article comprises an excerpt from the World Life Insurance Report 2025, produced by Capgemini Research Institute.

Australia's cyber security legislative package

LESLEY SUTTON, EMILIE WILLIAMS   The government recently introduced a raft of bills to parliament as part of a Cyber Security Legislative Package. This article explores the proposals to strengthen the existing obligations and government powers under the Security of Critical Infrastructure Act 2018.

Kraken' the DDO regime

JAIME LUMSDEN, MICHELE LEVINE   The outcome of Australian Securities and Investments Commission v Bit Trade Pty Ltd [2024] FCA 953 (Kraken Case), for which judgment was handed down on 23 August 2024, was somewhat unenlightening so far as it related to the application of the design and distribution (DDO) regime to credit - which is to say, rather, that it clarified nothing of note.

Debunking myths of lifetime annuities

MANSI DESAI   Lifetime income streams, such as a lifetime annuity, can provide an important benefit to a portfolio, in that they can help address the issue of longevity risk.

The evolution of superannuation operating models

PETER SHERRIFF, CLAYTON ISSITT   Regulatory and stakeholder demands are driving superannuation funds to evaluate their operating models, with a focus on improving efficiency, preparing for potential mergers and scaling in a sustainable fashion.

Changes to the retirement condition of release

STUART SHEARY   The most common condition of release to access a personal superannuation account is reaching preservation age and retiring.

Navigating the transfer balance cap

STEPHEN BLAKE   The transfer balance cap imposes a limit on the amount of capital that can be held in retirement phase in order to support a retirement phase superannuation income stream - also commonly referred to as a superannuation pension.

Superannuation binding death benefit nomination

GERARD BASHA   Superannuation legislation and many superannuation trust deeds permit a member of a super fund to sign a binding death benefit nomination (BDBN) in favour of their dependants or the legal personal representative of the member's estate.

Fringe benefits tax essentials

CHRISANTHE LEKATIS   Fringe benefits tax (FBT) is a tax payable by employers on certain benefits provided to employees.

Advice fees from super

SAMANTHA HILLS   It pays to understand super trustees' obligations as modified by the Treasury Laws Amendment (Delivering Better Financial Outcomes and Other Measures) Act 2024 (the DBFO Act), when it comes to advice fees.

Conflicted remuneration escape hatch

SAMANTHA HILLS   Licensees who provide financial product advice in relation to general insurance, life insurance or consumer credit insurance will be familiar with the exemption from conflicted remuneration for commissions on these products.

Dwelling on selling? Top tips when selling the home

MARK GLEESON   When a client sells their main residence, you can add considerable value by helping them understand key tax, superannuation and social security issues and opportunities.

The role of risk management in practice growth

EMANUEL KAZOULLIS   What if I told you that risk management could be the key to unlocking your business's full potential?

How CFOs can add value through communication

NICK FOX   Communication skills are a crucial element in the ability to add value to an organisation.

Five strategies to increase the closing ratio for financial advisers

ESZYLFIE TAYLOR   As a financial adviser, building trust and credibility with potential clients is paramount to increasing your closing ratio and growing your wealth management practice.