Volume 14 Number 4

Volume 14 Issue 4

Ethics & Governance

TIM AMAN | Comments | FRIDAY, 1 NOV 2019

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. Its DNA begins with understanding ... Risk ... Read more

Investment

RMBS: Weighing up risk vs reward

JOHN SORRELL | Comments | FRIDAY, 13 SEP 2019

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 proving popular with investors. During ... Read more

The anatomy of bear markets

JASON TEH | Comments | THURSDAY, 17 OCT 2019

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 expectations. It is ... Read more

Bullish case for macro outlook

BCA RESEARCH | Comments | FRIDAY, 22 NOV 2019

BCA Research has been the market's leading source for independent global macro research for 70 year. Occasionally, this independence has resulted in strongly diverging views. Today, two views on ... Read more

Bearish cases for macro outlook

BCA RESEARCH | Comments | TUESDAY, 26 NOV 2019

This paper outlines the cyclical (six to 12 months) bearish outlook for assets within BCA Research's team. The group foresees a further deterioration in activity or a delayed recovery, additional ... This ... Read more

The AUD, foreign debt and trade

PETER PONTIKIS | Comments | MONDAY, 9 DEC 2019

In this whitepaper, Peter Pontikis discusses what the next decade will look like in practical terms. Australia posts its first current account surplus in 44 years Recent Australian overseas trade and ... In ... Read more

Insurance

Time for action

ANDRES WEBERSINKE | Comments | FRIDAY, 11 OCT 2019

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 to sickness or injury but ... Individual ... Read more

Providing insurance advice to divorcees

RACHEL LEONG | Comments | FRIDAY, 8 NOV 2019

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 splitting of finances ... Read more

Men's health and life insurance

RACHEL LEONG | Comments | THURSDAY, 5 DEC 2019

Annual events such as Movember highlight the need to consider the various insurance policies that can protect clients against the financial impacts of serious diseases most commonly affecting men, such ... Annual ... Read more

Technology

How advice is digitally evolving

NALIKA NANAYAKKARA | Comments | THURSDAY, 19 SEP 2019

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 in wealth management is ... Read more

Retirement

Everything you need to know about granny flat agreements

ANGELA HARRY | Comments | FRIDAY, 25 OCT 2019

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 in living arrangements ... Moving ... Read more

Til death do us part

RAHUL SINGH | Comments | FRIDAY, 15 NOV 2019

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 Health, 2017-18 Report ... Read more

Taxation & Estate Planning

Superannuation death benefits

YVONNE CHU | Comments | FRIDAY, 26 OCT 2018

A lump sum superannuation death benefit paid to someone who is not a death benefits dependant for tax purposes can be subject to significant tax (refer to Table 1 for details). In contrast, lump sum ... Read more

Enduring powers of attorney

KERSTIN GLOMB | Comments | FRIDAY, 27 SEP 2019

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 a person (which may be ... Most ... Read more

Compliance

Debatable ethics

ELIZABETH MCARTHUR | Comments | FRIDAY, 15 NOV 2019

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, with FASEA chief executive ... A ... Read more

Applied Financial Planning

How to align pricing with value

NALIKA NANAYAKKARA | Comments | FRIDAY, 4 OCT 2019

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 with the fees they pay ... Firms ... Read more

Latest News


CountPlus firm makes acquisition KARREN VERGARA A CountPlus member firm has acquired the accounting revenues of a boutique advice firm.	Managed accounts inch to $80bn KARREN VERGARA Managed accounts assets continue to grow steadily, having hit nearly $80 billion despite setbacks caused by COVID-19.

Advice too expensive, hard to access: FPA ALLY SELBY New research has revealed COVID-19 has altered Australian spending behaviour, with more households in a fragile financial position than ever before and facing reduced access to financial advice.	CFS partnership to sustain advice industry ANNABELLE DICKSON Colonial First State has entered into a partnership with graduate coaching provider Striver in order to drive graduates into the financial advice industry.

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In safe hands

HUGH ROBERTSON
MANAGING DIRECTOR
CENTAUR FINANCIAL SERVICES PTY LTD

Centaur Financial Services principal adviser Hugh Robertson doesn't need shortcuts. His business is built on a philosophy of sticking to the fundamentals and staying the course. Even with all the curve balls 2020 has to throw, he's confident the tried and true will prevail. Elizabeth McArthur writes.

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Simon Carrodus Solicitor Director The Fold Legal	Dawn Thomas Senior Financial Adviser Wealthwise	Scott Bunny Managing Director & Senior Consultant B & K Consulting	Paul Barrett Co-Founder Absolute Wealth Advisors
Managed accounts and FASEA	The new normal for financial advisers	Why mentoring matters	Are you ready for a high net wealth divorce?
I've always enjoyed irony, so the irony wasn't lost on me when I first read Standard 3 of the FASEA Code of Ethics (Standard 3). It's ironic ...	During these unpredictable times, it's understandable that people are feeling high levels of uncertainty. All aspects of our lives - from health, work ...	It's been a year unlike no other we've experienced. The financial planning profession has had an unprecedented year of change and as a result ...	COVID 19 is driving up divorce rates across the country and family law offices expect the numbers to keep surging over the coming months. High net worth ...
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