Volume 15 Number 4

Volume 15 Issue 4

Ethics & Governance

ATTRACTA LAGAN | Comments | FRIDAY, 10 JAN 2020

It seems everyone has experienced a code of conduct or business ethics training session that is unmemorable, generic and fails to resonate. The unintended consequence of such training is that it leaves ... ... Read more

Elder financial abuse

JENNIFER SHAW | Comments | FRIDAY, 25 SEP 2020

Time and again, the courts hear cases concerning vulnerable elderly people who have been taken advantage of financially by their own family members. This paper examines the circumstances in which the ... ... Read more

The dangers of ignoring client vulnerability

PAUL DERHAM | Comments | FRIDAY, 27 NOV 2020

Chances are you are reading this paper on an electronic device. You may have used the same device to video-chat with others, message your team and create or send documents-in the last hour. Navigating ... ... Read more

Investment

The hunt for yield during COVID-19

SABIL CHOWDHURY | Comments | FRIDAY, 28 AUG 2020

The search for yield is proving to be an endless challenge for investors during the market crisis brought on by the coronavirus (COVID-19) pandemic. Finding attractive yield has become more difficult ... ... Read more

A lasting bond

PAUL CHIN | Comments | THURSDAY, 3 SEP 2020

High-grade sovereign (or government) bonds remain as relevant as ever in an uncertain and complex market environment. Today's bond yields are indeed low, and some investors may be finding it difficult ... ... Read more

Bonded to the benchmark

JUSTIN TYLER | Comments | THURSDAY, 22 OCT 2020

Benchmarks are commonly used to measure performance. However, this paper explains why this approach may be problematic in fixed income investing and how to track performance and find returns when investing ... ... Read more

How closed-ended LICs and LITs benefit investors

ANGUS GLUSKIE | Comments | FRIDAY, 6 NOV 2020

Closed-ended investment entities such as listed investment companies (LICs) or listed investment trusts (LITs) have a fixed capital. When investors seek to reduce their investment in a LIC or LIT, they ... ... Read more

Insurance

TPD inside and outside super

JEFFREY SCOTT | Comments | FRIDAY, 5 FEB 2021

Advisers are often asked whether or not a client should own their total and permanent disability (TPD) policy individually (self-owned) or have it structured via a superannuation fund where they are ... Read more

Insurance advice for business clients

CRISSY DEMANUELE | Comments | FRIDAY, 4 DEC 2020

Running a business means taking all sorts of risks, many of which can be difficult to control: economic ups and downs, increased competition and changing consumer behaviour, to name a few. However, one ... ... Read more

Technology

Leveraging the technology ecosystem

KYLIE BRYANT | Comments | WEDNESDAY, 30 SEP 2020

The coronavirus (COVID-19) pandemic is reshaping the global business landscape, giving rise to new consumer attitudes and behaviours that are expected to have a lasting impact. In particular, there has ... ... Read more

Superannuation

Superannuation: Employees with multiple employers

TERRI BRADFORD | Comments | TUESDAY, 13 OCT 2020

Legislation has passed allowing employees with multiple employers to opt out of receiving superannuation guarantee payments to avoid unintentionally breaching their concessional contributions cap. This ... ... Read more

Taxation & Estate Planning

Leaving a gift to charity

GEOFFREY MILANI | Comments | TUESDAY, 27 OCT 2020

Many people generously leave gifts to charities in their Wills to support the community or important causes. Unfortunately, these gifts sometimes run into issues when the charities named in the Will ... Read more

Challenging a will based on mental capacity

APRIL KENNEDY | Comments | FRIDAY, 20 NOV 2020

Capacity can be an emotionally charged topic, especially in relation to dementia or Alzheimer's disease and other degenerative conditions. This paper discusses how a Will might be challenged on the basis ... ... Read more

Compliance

The impact of complaints

ANGELIQUE AKSENOFF | Comments | FRIDAY, 11 SEP 2020

As at 30 June 2020, the Australian Financial Complaints Authority (AFCA) had received 80,546 complaints, of which 78% were closed, and $258.6 million paid in compensation. Complaint areas and associated ... ... Read more

Outsourcing and obligation

ALEXA BOWDITCH | Comments | FRIDAY, 18 SEP 2020

In times like these, can a business be confident that it will continue to comply with its obligations where it has outsourced certain functions? This paper explores strategies that a business can implement ... ... Read more

Applied Financial Planning

Why budget is not a dirty word

JULIE KNOX | Comments | FRIDAY, 4 SEP 2020

A fellow advice professional I met recently said he avoids the term 'budget' when meeting with clients as they see it as a dirty word. He went on to explain that if you ask clients to complete ... ... Read more

FS Roundtable: Call to action

KARREN VERGARA | Comments | THURSDAY, 29 OCT 2020

As the global health and economic crises continue to roil equity markets, adviser-led investment strategies need to be actively monitored and managed not only to survive - but to thrive - in a post-COVID-19 ... ... Read more

Is your client really a sophisticated investor?

MARK WILKINSON | Comments | FRIDAY, 13 NOV 2020

The Financial services industry continues to undergo significant change. With the Australian economy now in a recession, many clients are looking for advice and reassurance. However, as the number of ... ... Read more

Latest News


ASIC prepares advisers for DDO KARREN VERGARA \| 12:32PM ASIC is urging financial advisers to be well prepared for the new Design and Distribution Obligations regime, warning that there should be no surprises when it kicks into gear on October 5.	William Buck merges with sixth firm KARREN VERGARA A Melbourne-based advisory firm has merged with William Buck as the latter continues its aggressive expansion strategy.

DDO nil-reporting rule scrapped KARREN VERGARA In a win for financial advisers, the Design and Distribution Obligations (DDO) regime will scrap the nil-reporting rule.	Advisers embrace technology, lack budget KARREN VERGARA Financial advisers have dramatically relied on technology over the last 18 months yet are unwilling to increase their budget to improve the clients' digital experience, new research finds.

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No shame in dreaming

VICTORIA DEVINE
MANAGING DIRECTOR
ZELLA WEALTH PTY LTD

The podcast She's on the Money has become a personal finance juggernaut and catapulted its founder and Zella Wealth director Victoria Devine into the public eye. But she doesn't want to make it all about her, instead she's focused on the power of money to change lives. Elizabeth McArthur writes.

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Jason Andriessen Consulting Partner Admin Special Accounts	Warwick Gribble National Manager - Advice Relationships Aware Super	Emma Johnsen Senior Associate Marque Lawyers	John Dyall Head of Investment Research Rainmaker Information
Lean on me: Rethinking the value of advice	We're in the money: Empowering the next generation through advice	Finfluencers, financial influencers: ASIC is watching your stories	Portfolios hide volcanoes of volatility
A sense of control is important for our mental health and overall well-being. That's why the COVID lockdown has been so confronting for so many of us.	Australia's superannuation sector has recently topped $3.3 trillion in funds under management. But there's an even bigger game in town; one that ...	Aspiring influencers are spruiking their tips for financial success across YouTube, Twitter, Instagram, Reddit and in particular FinTok, the corner of ...	Jargon is something I don't fully understand. So, when I use jargon, I know it's going to be doubly confusing to the person I'm speaking with ...
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Volume 15 Issue 4

Latest News

Videos

More from FS Advice

Cover Story

Expert Feed

Lean on me: Rethinking the value of advice

We're in the money: Empowering the next generation through advice

Finfluencers, financial influencers: ASIC is watching your stories

Portfolios hide volcanoes of volatility

Industry Events

Your Opinion

Have you felt equipped to respond to client enquiries relating to bitcoin or other digital assets?