Ethics & Governance

Ethics & Governance Articles

ELIZABETH MCARTHUR | Comments | TUESDAY, 15 OCT 2019

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 analysing 139 multi-manager ... It's ... Read more

Converging lines

COUNTPLUS * | Comments | FRIDAY, 14 JUN 2019

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 predictors of future ... The ... Read more

Post-Royal Commission: Winning the long game for practices and licensees

TOM REDDACLIFF | Comments | FRIDAY, 12 APR 2019

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 such, we have updated our ... The ... Read more

The potential pinch of the Royal Commission

NICOLE MCMILLAN | Comments | FRIDAY, 27 JUL 2018

Financial advisers have been knowingly charging fees to customers who died up to a decade ago. Bank employees accepted cash bribes to falsify proof of employment documents in loan applications. Banks ... Financial ... Read more

The future of advice

STEPHEN ROMIC | Comments | FRIDAY, 6 JUL 2018

The Royal Commission has the financial services industry on edge. Both large institutions and small are sitting up and paying attention as they have never before. Big changes are afoot; probably the ... Read more

How the Federal Budget 2018 will impact SMSFs

DANIEL BUTLER , CHRISTIAN PAKPAHAN | Comments | THURSDAY, 21 JUN 2018

We outline below the key superannuation changes announced in the Federal Budget 2018 on 8 May 2018. Some of the proposed changes will have a substantial impact on SMSFs if they are finalised as law. ... Read more

Can the interest only bomb be defused?

DAMIEN WOOD | Comments | FRIDAY, 13 APR 2018

Interest only mortgages boomed in the U.S. in the 1920s. What followed was the Great Depression. They re-emerged Stateside in the early 2000s. What followed was the GFC and the Great Recession. In Australia ... Interest ... Read more

Expanding Australian regulatory reporting

ABRAHAM TEO | Comments | FRIDAY, 4 AUG 2017

1. Introduction The Australian Prudential Regulation Authority (APRA) and the Reserve Bank of Australia (RBA) are making a significant number of changes to core regulatory reporting requirements, some ... 1. ... Read more

How should I price my advice services?

COUNT FINANCIAL | Comments | TUESDAY, 3 NOV 2015

For accountants who add financial advice to their offering, working out the best way to price their advice can be daunting. We spoke to Hayden Lewis from Cox Partners about his firm's pricing mode For ... Read more

Government response to the Financial Systems Inquiry

IOOF TECHNICAL SERVICES | Comments | TUESDAY, 3 NOV 2015

On October 20, 2015, the Government's response to the Financial Systems Inquiry (FSI) was released by the Treasurer, Scott Morrison and Assistant Treasurer, Kelly O'Dwyer. The Government's ... On ... Read more

Industrialising your investment philosophy - scaling your business with Managed Accounts

NETWEALTH INVESTMENTS | Comments | TUESDAY, 3 NOV 2015

A Managed Account can solve a number of practice inefficiencies for those licensees that are willing to spend time working through compliance, structure and due-diligence processes. A Managed Account ... Read more

Trust and culture - what consumers want

JOHN PRICE | Comments | TUESDAY, 3 NOV 2015

I've been at ASIC since around the time when financial institutions - including credit unions, building societies and friendly societies - transferred from the previous state supervisory regimes ... Read more

The Australian wealth management industry - 2020 and beyond

DARREN STEVENS | Comments | TUESDAY, 3 NOV 2015

In this paper we outline current global trends in wealth management platforms and identify key future social and technology trends that are going to radically transform the industry over the next five ... In ... Read more

The demise of specialisation in financial services

DAVID HEATHER | Comments | TUESDAY, 3 NOV 2015

It wasn't that long ago that financial services was all about specialisation. Stockbrokers looked after people's equities portfolio, investment managers provided managed funds, insurance agents sold ... Read more

Leverage unplugged

JULIE MCKAY | Comments | THURSDAY, 11 DEC 2014

Leverage, specifically borrowing to invest, is often viewed in terms of its features, the potential to magnify gains and deductibility of interest. Of those who appreciate the benefits of gearing in ... Read more

Life insurance, super rollovers and your client's best interests

MARTIN BRECKON | Comments | THURSDAY, 11 DEC 2014

In a post-FoFA world, it has never been more important for financial advisers to understand and ensure they meet the prescribed best interests duty for their clients. In a post-FoFA world, it has ... Read more

Learning the ropes

ELEANOR DARTNALL | Comments | THURSDAY, 11 DEC 2014

2014 Association of Financial Advisers Adviser of the Year and Dartnall Advisers principal Eleanor Dartnall discusses the importance of educating your clients. 2014 Association of Financial Advisers ... Read more

The quest for passive income

MIKE SIKAR | Comments | THURSDAY, 11 DEC 2014

Not knowing what to do with a large inheritance a few years ago, thirty-something Sydney executive John Smith decided to play it safe by simply putting it in the bank. Given the state of the share market ... Not ... Read more

Climbing China's great wall of worry

HELEN ZHU | Comments | THURSDAY, 11 DEC 2014

It's tough to get a handle on China's economic growth. Ask officials: "Why do you think growth is going to be 7%?" The answer often is: "Why do you even ask this question? We told ... It's ... Read more

Five steps to networking success

DAN RICHARDS | Comments | THURSDAY, 11 DEC 2014

Few things are more frustrating than investing the time to network with prospective clients without any results to show for your efforts. But there is good news: a few simple steps to rethink your expectations ... Few ... Read more

Understanding the nature of conflicts of interest

SIMON LONGSTAFF | Comments | MONDAY, 9 JUL 2012

Most people have an intuitive grasp of what it means to have a conflict of interest. However, it should be observed that consideration of the nature of conflicts of interest is made complex by the fact ... Most ... Read more

Rethinking Employee Attraction and Retention Strategies

DAVID ANDERSON | Comments | SATURDAY, 10 JAN 2009

Even in these difficult economic times employers are saying that it can be hard work finding quality employees. This important Mercer research presented to us by David Anderson in his paper compares ... Read more

Latest News


Former adviser cops 12 years in jail HARRISON WORLEY A former Brisbane financial adviser will serve at least six years behind bars, after being found guilty of six charges of dishonestly causing detriment to clients to the tune of $5.9 million.	Dealer group shuts after advisers depart KANIKA SOOD A dealer group boss decided to close down its Australian Financial Services License after finding it hard to restock advisers with the FASEA education requirements.

ASIC nudges robo-adviser to shutter ELIZABETH MCARTHUR A digital advice firm has voluntarily shut down two robo-advice tools after ASIC raised concerns.	CountPlus firm acquires advice boutique HARRISON WORLEY A member of the CountPlus network has acquired a boutique financial planning practice.

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The challenges for AMP advisers with their buyer of last resort arrangements (BOLRs) has dominated the headlines. Many other advisers have BOLR arrangements ...	Of the 120,000 or so people who work in wealth management in Australia, only 20,000 are financial planners. Most of the other 100,000 work for product ...	Anyone who has worked closely with financial advisers, knows that they are an enthusiastic and energetic group who are great with people and optimistic ...	The release of ASIC's Report 627 Financial advice: What consumers really think, highlighted that among Australians who have received professional ...
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