Podcasts about fasea

In this episode of the ifa podcast, host Maja Garaca Djurdjevic is joined by Stuart Robert, shadow financial services minister and shadow assistant treasurer. Mr Robert shares his and the Liberal party's views on the final report of the Quality of Advice Review and why they support its adoption in full, explaining why Minister Stephen Jones' proposed review of the review is an insufficient response. “It's like an episode of Monty Python. You've got a Minister presiding now over the Ministry of Silly Walks. This Michelle Levy review is an outstanding piece of work. The Coalition believes it should be implemented in full and implemented now,” the shadow minister says. Mr Robert also reflects on how the adviser industry fared under the Coalition and explains why FASEA was an act of “desperation”. The shadow minister doesn't hold back and accuses the Labor party of holding advisers at an arm's length. 

In this episode we speak to Marisa Broome, former chair of the Financial Planning Association of Australia (FPA) and certified financial planner. Marisa provides exciting insight into what you can bring to the financial planning industry, what you can do to learn as much as you can from experienced professionals, the changes you can expect to see in the coming years, and how you can maximise the opportunities provided to you.Note: Please be advised that this recording was made in 2021 during the COVID-19 pandemic and prior to the conclusion of FASEA. For the most current regulatory information on financial planning, kindly refer to the Department of Treasury and ASIC websites.

In this episode, we speak to Amelia Constanditis, Standards Director of The Financial Adviser Standards and Ethics Authority (FASEA). Amelia provides us with a step by step walkthrough of what is required to become a financial planner, from university all the way through to advising clients. Amelia tackles topics such as choosing your degree, the professional year, tips for those with foreign qualifications, non-approved degrees, and advice for those who are looking to sit the entrance exam.Note: Please be advised that this recording was made in 2021 during the COVID-19 pandemic and prior to the conclusion of FASEA. For the most current regulatory information on financial planning, kindly refer to the Department of Treasury and ASIC websites.

In this episode, we speak to Julian Place, an experienced financial planning professional who has both provided financial advice to clients, and has coached up-and-coming financial planners. Julian's extensive experience has taught him many lessons, which he shares with us in this episode. We cover the daily duties involved in the job, work life balance, pay, the challenges you may face, the highlights of the role, and much more.Note: Please be advised that this recording was made in 2021 during the COVID-19 pandemic and prior to the conclusion of FASEA. For the most current regulatory information on financial planning, kindly refer to the Department of Treasury and ASIC websites.

Gaur amaitu da Gernikan zesta puntako Winter Series txapelketako lehen fasea. Ligaxka amaituta, finalerdiak eta finala baino ez dira geratzen txapelketa amaitzeko....

Gaur amaitu da Gernikan zesta puntako Winter Series txapelketako lehen fasea. Ligaxka amaituta, finalerdiak eta finala baino ez dira geratzen txapelketa amaitzeko....

The time has come for the final episode of the ifa Show for the year. Host Maja Garaca Djurdjevic is joined by ifa journalists Jon Bragg and Keith Ford to wrap up 2022. Maja, Jon and Keith count down the top five most-read stories on the website this year, including articles that look at adviser numbers, FASEA and the Quality of Advice Review. The team also highlights some of the most interesting or engaging comments on these popular stories. Listen to the full episode below.

Welcome to part 2 of our 2 part conversation with Adam Drinkwater from Treysta and his client Steve Mark. In this episode we flip the conversation and tap into Steve's vast legal ethics experience to gain his and Adam's reflections on how the Lumiant experience helps advisers meet their ethical obligation.  In this episode we leverage Steve's insights from when he helped shape the FASEA ethics education program to unpack: The questions advisors must ask of their process when interpreting regulation How advisors should consider the questions clients might consider and address these as part of their processThe requirement to invest in interpersonal and communication skills to overcome the barriers clients might put up that obstruct truly getting to know a client's interests The practice of taking yourself through your experience to feel what a client would feel To learn more about how Lumiant can help you embed values based advice into your business click visit www.lumiant.io

In a Lumiant Live first, Mark is not only joined by adviser Adam Drinkwater from Treysta Wealth but also his client, Steve Mark!Treysta Wealth has been in practice for 30 years and Adam is one of 2 key advisers in the firm. Adam and the team proudly bring values based advice to their 400 clients. Steve, not only is Adam's client but is a lawyer by profession. Steve's business, Creative Consequences is a law, business and regulation advisory. Steve has also been a teaching fellow in legal ethics and business law and played a key role in developing the ethics education program for people who are facing the FASEA code of conduct.In part 1 of this 2 part series  Adam, Steve and Mark discuss the experience Steve had firstly as a client, specifically talking about: * How Adam pre-positioned the experience on his introductory call* Steve's first impressions of the experience as a client* How Steve offered not to go through the experience because he was only simple, and how Adam talked him through it. * How the experience helped Steve explore who he was and what his own barriers were* How the Investment Preferences conversation helped Steve understand what he's doing and why he's doing it when it comes to risk tolerance and investment choices.To learn more about how Lumiant can help you embed values based advice into your business click visit www.lumiant.io

In this exclusive interview with shadow financial services minister and shadow assistant treasurer, Stephen Jones MP, join Momentum Media's editor of mortgages Annie Kane as she speaks to the member for Whitlam about the valuable role that financial advisers and brokers play in supporting Australian borrowers and what the Australian Labor Party would offer the financial services, credit and superannuation space should it win the federal election. Tune in to find out: Why he thinks the FASEA education changes have been a debacle  The reason he changed from going direct to using a mortgage broker What he thinks financial and credit advisers need to be focusing on moving forward And much more!

In this exclusive interview with shadow financial services minister and shadow assistant treasurer, Stephen Jones MP, join Momentum Media's editor of mortgages Annie Kane as she speaks to the member for Whitlam about the valuable role that financial advisers and brokers play in supporting Australian borrowers and what the Australian Labor Party would offer the financial services, credit and superannuation space should it win the federal election. Tune in to find out: Why he thinks the FASEA education changes have been a debacle  The reason he changed from going direct to using a mortgage broker What he thinks financial and credit advisers need to be focusing on moving forward And much more!

In this exclusive podcast, shadow financial services minister and shadow assistant treasurer, Stephen Jones MP, joins Momentum Media's editor of mortgages Annie Kane to chat through the ALP's assessment of the financial services industry. Mr Jones dissects the government's treatment of advisers and outlines Labor's plans to revamp education requirements. Tune in to find out: Why fixing the advice area is the greatest unfinished business in the financial services area His thoughts on FASEA education changes and Labor's pledge to experienced advisers  The government's proxy advice regulations and why Labor disapproves  And much more! The ifa Show is brought to you by Sharesight

In this exclusive interview with shadow financial services minister and shadow assistant treasurer, Stephen Jones MP, join Momentum Media's editor of mortgages Annie Kane as she speaks to the member for Whitlam about the valuable role that financial advisers and brokers play in supporting Australian borrowers and what the Australian Labor Party would offer the financial services, credit and superannuation space should it win the federal election. Tune in to find out: Why he thinks the FASEA education changes have been a debacle The reason he changed from going direct to using a mortgage broker What he thinks financial and credit advisers need to be focusing on moving forward And much more!

On the final episode of the ifa Show for 2021, host Maja Garaca Djurdjevic is joined by fellow presenter of the podcast, Neil Griffiths, to talk about the year that was on the ifa website. Maja and Neil go through the top five most-read stories on the website this year, including articles that look at adviser numbers, the FASEA exam and ASIC regulations. As well as looking at the stories, Maja and Neil also discuss any possible updates or progressions on the subjects since they were published in the year. The ifa Show is brought to you by Sharesight

On a very special episode of the ifa show, host Neil Griffiths is joined by Greg Cook of Eureka Whittaker Macnaught and Mia Johnson of Keyman Financial Services to talk all things FASEA. With responsibilities to be wound up at the end of the year, this episode looks at FASEA's work and exams through Greg, who has been in the industry for 30 years, and Mia, who is midway through her professional year. Greg and Mia also discuss a recent opinion piece published on ifa by The Advisers Association's Neil Macdonald, who said advisers would exit the industry in droves if the current requirement for existing advisers with no degree to have an approved qualification by 1 January 2026 is not addressed. “I don't know whether I'd term it as a mass walkout, but certainly the number of advisers is going to decline, while the number coming through on the Professional Year is picking up from what I can see, the number of advisers that will have to leave the industry will be much higher,” Greg said. Mia added: “My concern at the moment is that when the time comes, 2026 rolls around, I feel as though we're almost not going to have an industry left because everybody's going to leave. So what I'm really passionate about at the moment is getting younger people into the industry.” The ifa Show is brought to you by Sharesight

We discuss three recent developments that impact the world of financial advice and financial advising. These are the passage of the Better Advice Bill, the introduction of legislation around the 2021 Federal Budget superannuation announcements, and the current FASEA led consultation on Standard 3 of the FASEA Code of Ethics. Disclaimer: The podcasts are for adviser use only. They must not be made available to any person and any information in them must not be communicated to any person without the prior written consent of BT, part of the Westpac Banking Corporation. The views expressed in this webinar are those of the presenters alone unless otherwise quote, and do not reflect the views of policy of any company in the Westpac Group. The Westpac Group accepts no responsibility for the accuracy or completeness of, nor does it endorse any such opinions. To the maximum extent permitted by law, we intend by this notice to exclude liability for these opinions. The information in this podcast is provided solely as general information and it should not be considered a comprehensive statement on any matter or relied upon as such. The information provided is factual only and does not constitute financial product advice. Before acting on it, you should seek independent advice about its appropriateness to your or your clients objectives, financial situation and needs. Any projections in this webinar are predictive in character. Whilst we have used every effort to ensure that any assumptions on which any projections are based are reasonable, any projections may be affected by inaccurate assumptions or may not take into account known or unknown risks and uncertainties. The results actually achieved may differ materially from any projections herein. Past performance is not a reliable indicator of future performance. The podcast recordings are being shared with the prior written consent of our participants.

In this episode of FPA student podcast series we speak to Jemimah McMurray, Student Engagement Manager at the Financial Planning Association of Australia (FPA). Jemimah walks you through exactly what a professional year entails, and where to find all the resources required to start. Jemimah also shares some of the great ways in which new entrants can ensure they are ready to have the professional year conversation with their employers.This episode is all about demystifying the professional year and breaking it down into simple, easy to understand steps. Jemimah provides clarity on some of the frequently asked questions, so that you have the answers you need to get started.What You'll Learn From This Episode:● What is the professional year & why was it made?● What are the requirements?● What is involved in each of the PY quarters?● At what stage do I need to pass the FASEA exam?● What are acceptable job titles for new entrants?● How long should a professional year go for?● What if I take a career break midway?● What if I change workplaces? Do I have to start my professional year again?● When can you commence a professional year?● Can internships count towards a professional year?● Do experienced people in the industry still have to do a professional year?● What resources will I need to use?● Where can I find these resources?● Are there ongoing education requirements after you've completed the professional year?

Debates become heated, dick-taties examined, judgement is passed. We're purging ourselves of our evils through bile and hate, spinning up the cult of personality and joining everybody down in the countryside to FASEA the music. http://surething.money 

This week's episode of the ifa Show features Timothy Munro, CEO and director of Change Accountants & Advisors. Timothy joins Maja Garaca Djurdjevic to discuss the red tape and bureaucracy thrust on advisers as well as the recent ASIC levy relief announcement. Timothy also shares his personal experience with the FASEA exam and why he thinks there is something fundamentally wrong with the industry. Lastly, he touches on the need for the government to listen to the concerns and thoughts of mum and dad advisers, who essentially make up a bulk of the industry.

Tony Machin has worked in the financial services industry for over 35 years and was considering retirement before he instead opted to take the FASEA exam and passed the first time. Tony, who works with Equilibrium Financial Services, joined this week's episode of the ifa Show to share his story with host Sarah Kendell and what inspired him to stay. “It was important that I left the industry on my terms,” he said. “I was determined to do the FASEA [exam] and I was confident that I could do it once.” In this episode, Tony also shares his thoughts on the exam process and the current landscape of the advice sector.

With the resumption of Parliament, the “Better Advice” Bill has continued its progression through Parliament to give effect to the wind up of FASEA at the end of 2021. In this week, we look at the outcome from a Senate Committee review of the Bill, as well as the commencement of a consultation on supporting regulations. Disclaimer: The podcasts are for adviser use only. They must not be made available to any person and any information in them must not be communicated to any person without the prior written consent of BT, part of the Westpac Banking Corporation. The views expressed in this webinar are those of the presenters alone unless otherwise quote, and do not reflect the views of policy of any company in the Westpac Group. The Westpac Group accepts no responsibility for the accuracy or completeness of, nor does it endorse any such opinions. To the maximum extent permitted by law, we intend by this notice to exclude liability for these opinions. The information in this podcast is provided solely as general information and it should not be considered a comprehensive statement on any matter or relied upon as such. The information provided is factual only and does not constitute financial product advice. Before acting on it, you should seek independent advice about its appropriateness to your or your clients objectives, financial situation and needs. Any projections in this webinar are predictive in character. Whilst we have used every effort to ensure that any assumptions on which any projections are based are reasonable, any projections may be affected by inaccurate assumptions or may not take into account known or unknown risks and uncertainties. The results actually achieved may differ materially from any projections herein. Past performance is not a reliable indicator of future performance. The podcast recordings are being shared with the prior written consent of our participants.

With the FASEA appearance at the Senate Estimate Committee this week, this week's podcast looks at the potential for amendments to Standard 3 of the FASEA Code of Ethics. Disclaimer: The podcasts are for adviser use only. They must not be made available to any person and any information in them must not be communicated to any person without the prior written consent of BT, part of the Westpac Banking Corporation. The views expressed in this webinar are those of the presenters alone unless otherwise quote, and do not reflect the views of policy of any company in the Westpac Group. The Westpac Group accepts no responsibility for the accuracy or completeness of, nor does it endorse any such opinions. To the maximum extent permitted by law, we intend by this notice to exclude liability for these opinions. The information in this podcast is provided solely as general information and it should not be considered a comprehensive statement on any matter or relied upon as such. The information provided is factual only and does not constitute financial product advice. Before acting on it, you should seek independent advice about its appropriateness to your or your clients objectives, financial situation and needs. Any projections in this webinar are predictive in character. Whilst we have used every effort to ensure that any assumptions on which any projections are based are reasonable, any projections may be affected by inaccurate assumptions or may not take into account known or unknown risks and uncertainties. The results actually achieved may differ materially from any projections herein. Past performance is not a reliable indicator of future performance. The podcast recordings are being shared with the prior written consent of our participants.

With a federal election on the cards in the next 12 months, both sides of politics are showing more interest in what can be done to balance consumer outcomes with red tape reduction in the advice sector. In this episode of The ifa Show, AIOFP executive director Peter Johnston joins host Sarah Kendell to discuss the adviser association's campaign to make MPs sit up and take notice about the impact of regulatory change in the industry. Peter unpacks the main points of contention for AIOFP members, including the government's poor implementation of the FASEA standards and rapidly rising compliance costs as a result of the annual opt-in legislation. He also discusses why advisers may want to consider abandoning the traditionally pro-business Coalition at the ballot box in the coming months.

Recent exam results from FASEA have shown there are a large number of advisers still to successfully pass the FASEA exam, but there is still time to make it. And given the current environment, the opportunities for providing advice are increasing. Disclaimer: The podcasts are for adviser use only. They must not be made available to any person and any information in them must not be communicated to any person without the prior written consent of BT, part of the Westpac Banking Corporation. The views expressed in this webinar are those of the presenters alone unless otherwise quote, and do not reflect the views of policy of any company in the Westpac Group. The Westpac Group accepts no responsibility for the accuracy or completeness of, nor does it endorse any such opinions. To the maximum extent permitted by law, we intend by this notice to exclude liability for these opinions. The information in this podcast is provided solely as general information and it should not be considered a comprehensive statement on any matter or relied upon as such. The information provided is factual only and does not constitute financial product advice. Before acting on it, you should seek independent advice about its appropriateness to your or your clients objectives, financial situation and needs. Any projections in this webinar are predictive in character. Whilst we have used every effort to ensure that any assumptions on which any projections are based are reasonable, any projections may be affected by inaccurate assumptions or may not take into account known or unknown risks and uncertainties. The results actually achieved may differ materially from any projections herein. Past performance is not a reliable indicator of future performance. The podcast recordings are being shared with the prior written consent of our participants.

FASEA can be seen as a bit of 'white noise' to Paraplanners but in this episode, we talk bigger picture on the long term impact of the new regulations within the financial advice industry. The standards will see a lot of movement both from exiting advisers and new entrants to the industry which will change the demand for key roles in each firm. As a Paraplanner, we need to understand what is happening as a whole to our industry and in this episode Joel Ronchi breaks down what the standards will mean for us. Connect with Joel:https://www.linkedin.com/in/joel-ronchi/ The Rise of the Paraplanner is powered by Contract Paraplanning Services:https://www.contractpps.com.au/

With ASIC exploring how access to affordable advice can be improved, including scaled or limited advice, BT head of financial literacy and advocacy Bryan Ashenden discusses what Consultation Paper 332 means for the future of advice. Bryan talks to hosts Aaron Dunn and Miranda Brownlee about some of the challenges and barriers impeding the provision of limited advice, particularly in the SMSF context. He also explores what a new model of advice regulation could look like and what ASIC’s role will be in regulating the industry following the wind-up of FASEA.

With ASIC exploring how access to affordable advice can be improved, including scaled or limited advice, BT head of financial literacy and advocacy Bryan Ashenden discusses what Consultation Paper 332 means for the future of advice. Bryan talks to hosts Aaron Dunn and Miranda Brownlee about some of the challenges and barriers impeding the provision of limited advice, particularly in the SMSF context. He also explores what a new model of advice regulation could look like and what ASIC's role will be in regulating the industry following the wind-up of FASEA.

With the government resuming its focus on the legislative response to the royal commission, 2021 promises to be a busy year for advisers from a regulation and compliance perspective. In this episode of The ifa Show, host Sarah Kendell is joined by BT head of financial literacy and advocacy Bryan Ashenden to discuss adviser regulatory priorities in the new year.  Bryan touches on what's next as FASEA's powers are rolled into Treasury and ASIC's Financial Services and Credit Panel, how advisers have been preparing for the removal of grandfathered revenue, and what we might see from ASIC's consultation into affordable advice. Bryan also dives into the debate around raising the superannuation guarantee and the challenges of providing scaled advice under the current regulatory regime.

This week's podcast discusses the announcements around the single disciplinary body and the future of FASEA, as well as an update from this week in Parliament on Royal Commission measures. The podcasts are for adviser use only. They must not be made available to any person and any information in them must not be communicated to any person without the prior written consent of BT, part of the Westpac Banking Corporation. The views expressed in this webinar are those of the presenters alone unless otherwise quote, and do not reflect the views of policy of any company in the Westpac Group. The Westpac Group accepts no responsibility for the accuracy or completeness of, nor does it endorse any such opinions. To the maximum extent permitted by law, we intend by this notice to exclude liability for these opinions. The information in this podcast is provided solely as general information and it should not be considered a comprehensive statement on any matter or relied upon as such. The information provided is factual only and does not constitute financial product advice. Before acting on it, you should seek independent advice about its appropriateness to your or your clients objectives, financial situation and needs. Any projections in this webinar are predictive in character. Whilst we have used every effort to ensure that any assumptions on which any projections are based are reasonable, any projections may be affected by inaccurate assumptions or may not take into account known or unknown risks and uncertainties. The results actually achieved may differ materially from any projections herein. Past performance is not a reliable indicator of future performance. The podcast recordings are being shared with the prior written consent of our participants.

This week's podcast discusses the latest draft guide issued by FASEA in respect of the Code of Ethics. The podcasts are for adviser use only. They must not be made available to any person and any information in them must not be communicated to any person without the prior written consent of BT, part of the Westpac Banking Corporation. The views expressed in this webinar are those of the presenters alone unless otherwise quote, and do not reflect the views of policy of any company in the Westpac Group. The Westpac Group accepts no responsibility for the accuracy or completeness of, nor does it endorse any such opinions. To the maximum extent permitted by law, we intend by this notice to exclude liability for these opinions. The information in this podcast is provided solely as general information and it should not be considered a comprehensive statement on any matter or relied upon as such. The information provided is factual only and does not constitute financial product advice. Before acting on it, you should seek independent advice about its appropriateness to your or your clients objectives, financial situation and needs. Any projections in this webinar are predictive in character. Whilst we have used every effort to ensure that any assumptions on which any projections are based are reasonable, any projections may be affected by inaccurate assumptions or may not take into account known or unknown risks and uncertainties. The results actually achieved may differ materially from any projections herein. Past performance is not a reliable indicator of future performance. The podcast recordings are being shared with the prior written consent of our participants.

Amongst the flurry of regulatory changes introduced by FASEA in the last couple of years, one major change has been pushed to the back of the minds of many: The professional year. With the number of registered advisers reducing rapidly, it is time we start getting serious about the pathways for new entrants, but where do we start?  In this episode, we speak to Jemimah McMurray, Student Engagement Manager at the Financial Planning Association of Australia (FPA). Jemimah walks us through exactly what a professional year entails, what is involved for the practices supporting a new entrant, and where to find all the resources required to start. Jemimah also shares some of the great ways in which advisers are engaging with the next generation of advisers, and how you can help.  This episode is all about demystifying the professional year and breaking it down into simple, easy to understand steps. Jemimah provides clarity in a time of great confusion and provides great tips and insights for financial planning businesses and new entrants alike! Resources: To reach out to Jemimah McMurray, please contact her via students@fpa.com.au What You'll Learn From This Episode: What is the professional year? What is involved in each of the PY quarters? What duties are required of practice, licensee and new entrant? What are acceptable job titles for new entrants? How long should a professional year go for? When can you start a professional year? Where to find resources including professional year logbook templates What does the professional year application look like for practices? Gender statistics of current financial planning students How advisers can attract the next generation through storytelling What are the motivators driving new entrants into the industry? About Our Guest: Jemimah McMurray is the Student Engagement Manager at the Financial Planning Association of Australia (FPA). Jemimah has become a subject matter expert on all things professional year, helping engaged students learn more about what a career in financial planning looks like, and how to get there in a new regulatory environment. Jemimah is passionate about supporting the next generation of advisers, and is consistently creating opportunities for industry progression through events, collaboration and innovation. For more conversations with the thinkers and movers in the world of financial advice, go to Goals-Based Advice Podcast. You can also access more episodes on Apple Podcasts and Spotify. For updates, follow our Facebook page.  If you have more questions, don't forget to reach out to me on LinkedIn and to send an email at jacqui@adviceintelligence.com. Thanks for tuning in!

It is no question that the cost to deliver financial advice has increased dramatically over the years. A combination of a tighter compliance landscape and increasing education requirements have made the concept of delivering advice to the everyday Australian a seemingly impossible task. Adding additional services like cashflow into the mix seems even more challenging. In this episode, we speak to Jodie Douglas and Azaria Bell from Mad About LIFE, who are doing just this. We discuss transitioning from an insurance business to a full scope advice business, how to decide on your fees, how to incorporate cashflow into your service offering, how to tackle the professional year, and much more.  This episode is all about looking to the future of advice delivery and centring your service offering around what your clients need from you. We touch on client surveys, mentoring, asking deeper questions, and we even find out how Jodie landed 25 referrals the first time she asked for one! Resources: To reach out to Jodie Douglas, please contact her via jodie@madaboutlife.com.au or connect on LinkedIn. To reach out to Azaria Bell, please contact her via azaria@madaboutlife.com.au  or connect on LinkedIn. What You'll Learn From This Episode: How to transition from a risk business to a full scope advice practice How to develop a client value proposition How to approach your first fee conversations with clients How to incorporate cashflow into your service offering How to grow a business organically via referrals How to ask deeper questions to understand your clients on a personal level How to approach the FASEA professional year What new entrants are looking for in a potential employer How to start measuring and tracking client goals from day one How to ask for referrals from clients confidently How to survey the client experience effectively without the hassle  How to build and shape advisers who align with your business goals About Our Guest: Jodie Douglas is the owner and financial adviser of Mad About LIFE, based on the Gold Coast. Starting out in the industry as a risk specialist, Jodie has organically built a full scope, high touch point advice business that caters to everyday Australians. Azaria Bell is a money coach at Mad About LIFE and previous FPA award winner, currently undergoing the FASEA Professional Year. The Mad About LIFE team are known for their commitment to innovation, fun approach to advice and passion for helping everyday Aussies access financial advice.  For more conversations with the thinkers and movers in the world of financial advice, go to Goals-Based Advice Podcast. You can also access more episodes on Apple Podcasts and Spotify. For updates, follow our Facebook page.  If you have more questions, don't forget to reach out to me on LinkedIn and to send an email at jacqui@adviceintelligence.com Thanks for tuning in!

Stephen drops back into the XY Podcast to give an update on the last 12 months of the FASEA roll out. FASEA Website: https://www.fasea.gov.au/ This podcast is brought to you by Integrity Life. Go to https://www.integritylife.com.au/xy to find out more. Join the XY platform: App Store: http://co.xyadviser.com/xyistore Google Play: http://co.xyadviser.com/xygplay Desktop: https://www.xyadviser.com/ General Disclaimer – https://www.xyadviser.com/disclaimer/

Welcome to Finance and Fury. Quick announcement – only episode this week – have my FASEA exam coming up so need to spend spare time studying for that – back to normal next week – sorry for any delays getting back to any of you In this episode – I walk to talk about different forms of capital – What is the first thing that you think of when you hear capital – outside of finance, might be capital letters or a capital city – but capital as an economic definition - consists of assets that can enhance one's power to perform economically useful work – and this can range from many different forms beyond the financial Going off of pure financial topic today – I find these topics incredibly interesting – Came across this concept of additional forms of capitals that builds upon Bill Mollison’s original conception - Bill was an Australian researcher, author, scientist, teacher and biologist – passed away a few years ago but his works were massive in developing and promoting the theory and practice of permaculture – which I have been studying for the past few months Permacultureis a set of design principles centred on whole systems – mainly focusing on simulating the patterns and resilient features observed in natural ecosystems - It uses these principles in a growing number of fields from regenerative agriculture, rewilding, and community resilience in Permaculture – there are many valuable assets to an ecosystem which categorized non-monetary forms of wealth by their potential – interesting on a conceptual level - but not easily applied to the real world as value and capital are fairly engrained into society to mean monetary wealth However – brings up a number of points on what isnon-monetary capital Example – might be a stone or an arrow is capital for a hunter-gatherer who can use it as a hunting instrument – or might be the knowledge to combing the two and know how to shoot the completed material Capital is anything that is useful that can be brought to society that is of some worth – doesn’t necessarily need to be have a monetised value Concept of give someone a fish, they are fed for a day – or you could sell someone fish or be the purchaser of the fish – go to Coles and buy 1kg of Barramundi for $32 - But granted for the resources around them - tech someone to fish – they are fed for a lifetime – but the need forms of capital to achieve this – the capital in the form of tools, capital in form of knowledge   By viewing the financial system through the lens of all forms of capital - there can be unique forms of currencies -  Financial, material, living, social, intellectual and experiential Financial Capital - This is the one that we are all familiar with – one that I talk about most on this podcast – It is a core component of the modern financial system – so hard not to – it is the means by which pretty much all exchange goods and services occurs within society – If you need to buy anything – you use money as a medium of exchange to do so – the more money that you have at your disposal the more you can purchase When the world is viewed solely in financial capital terms – you have the pure materialistic – but it ignores all other forms of capital Not saying that it isn’t important – but if you could purely have money and nothing else – doesn’t put you in a well rounded position – so what other forms of capital are there Material Capital - Beyond money, it is easy for us to conceptualize physical goods and objects that we own as being their own sort of capital When this is brought up – most people will think of materialistic concepts – like cars, possessions, etc. But the real concept of this goes far beyond – it can be extended to the raw materials extracted from the Earth and are developed into more complex forms such as houses, cars, consumer goods, etc. In a society where financial capital falls through – material capital becomes one of the more important factors – for instance bater economies – the stories of trading a wheelbarrow for bread in hyper inflated Germany In parts of the world right now – those that have fallen due to centralise power of governments with price controls – like Venezuela - have black markets of material capital for food and other resources Living (Natural) Capital - This form of capital is closely related to material capital - but involves both the living organisms upon which we depend and necessities of life which sustain us For example – things like plants, animals (foods), water – this form of capital comes back the abundance or quality of these resources that you have Here – Land, water and power is the best example – do you have the ability to produce something that can be traded for financial capital Are these things being provided by yourself or something else – where you exchange financial capital in return Also goes into food produce – especially land and water in combination – if you produce some of your own food or resources – can reduce the financial capital you need Social Capital – What is your friends and family network like? Specialisation of services is a key component of modern society – If you were to be viewed as having large social capital – or be wealthy in social capital - would be described as being well connected within social standings – where within your network of friends and family and neighbours – you have a strong support network – individuals in a community can help to provide support to one another people can trade in gifts and favours – IOUs with friends or family – where you help someone to move, then you should be able to ask them to help you move down the road in return – save on financial capital The more interpersonal connections are the currency of this form of capital - Intellectual Capital - This is the knowledge that you possess, acquire, and exchange with others In the education system – we are taught specialist knowledge - that intellectual capital is a factor for generating financial capital – if you have a specialist job – that is where this can be traded for many things Experiential Capital – this goes hand in hand with intellectual capital – it is the practical side to it – I can know in theory how to build a house – but the practical application to this comes with experience – Comes in the form of skilled trades – where individuals who have acquired experiential capital can become very valuable – especially if they choose to trade this in the form of financial capital – Lots of jobs have this component to them - this form of capital goes hand-in-hand with intellectual capital I know I learn best when theory is combined with practical   All of these are interrelated – and everyone has some value of each of these aspects – and without everyone having their primary form of capital – society wouldn’t function so well – need a good spread of it – like a good ecosystem for society to function well Example of these working together in society – I go to markets each Sunday – there I spend some money (financial capital) to buy food - exchanging financial capital for natural capital One of the stalls –become friendly with the guy who runs the stall (social capital) - has rhubarb – wife was talking to him about what to make out of it and started talking about jam and how to make it (intellectual capital) – now she knows how the make the jam and when she made it (experiential capital) – but he mentioned that he love that type of jam and said he would give us the rhubarb for free each week if we brough him back some jam every now and then So end result – win win – get free rhubarb to bring him some jam (material capital) This is how society functions – off the back of all forms of capital – however the driving factor is seen as financial capital – Makes us very reliant to this one form of the capital forms in the system But like investing in financial capital – have to invest in all forms of capital – learning, social, experiences   Why It Matters Humans are pretty complicated social animals – and having an understanding of all forms of capital reduces the reliance of money being the sole acceptable medium for exchanging value Financial independence – Someone might need $100,000 in income to be financially independent – or $10,000 if they produce all their own food, can trade their intellectual or experiential services in a bater economy and have a good social capital – there is no one right path to FI wealth can be measured as a form of total wealth – rather than just pure financial – it is just easier to count dollars than try to put a monetary value on your friends and family – probably should do Example – someone who lives completely off the grid – what do they care if the dollar collapses? I find this fascinating –think about if we were to experience an extinction event – where a solar flare knocks out all electricity overnight – in cities – means financial capital is gone, material may shut down as well – even natural is supply chains get massively disrupted - what cultures would survive – people living in the amazon – The more that you can build all forms of capital – the more resilient you will be – might sound weird for me to day – but the more you can strengthen the other forms of capital – the more you can minimize your reliance and need for financial capital – plus helps to build more well-rounded individuals and society Technically – someone might be below the poverty line but could be immensely wealthy in other forms of capital Having other forms of capital can help to reduce financial stress or worry about collapses within the financial system Also happiness - For instance – how do you monetize happiness – a lot of people try – ends up on the hedonic treadmill – but meets the phrase that money cant buy happiness – Money can provide security – but a greater purpose is needed – many studies and real world examples illustrate that once someone has enough annual income to meet all of their needs – additional income starts to not be factor in levels of happiness – Example – Someone earning $10,000 to $75,000 – someone on the $75k may be likelier to be happy – due to being less financially stressed – as essential things are covered But the difference in happiness that $75k to $750k p.a. yields is mixed – especially when it comes to the nature of getting the additional income - Yet – people remain unhappy in many jobs for the pursuit of money due to many outside factors What about a capital pursuit of happiness - What would that something else look like, and how would it function? Thank you for listening to today's episode. If you want to get in contact you can do so here: http://financeandfury.com.au/contact/

Covid-19aren eraginez, aurten ez dute Uharteko artzain egunik antolatuko eta nondik norakoak eman dizkigute Aralar Mendi Elkarteko zuzendaritza batzordetik. Urretxuko Aikur museoak berriz, 25 urteko ibilbidearen ostean ateak itxi ditu. Ateak ireki dituena berriz, Igeldoko Kooperatibaren denda da. Esanahi handiko eraikinean kokatu dute denda. ...

Covid-19aren eraginez, aurten ez dute Uharteko artzain egunik antolatuko eta nondik norakoak eman dizkigute Aralar Mendi Elkarteko zuzendaritza batzordetik. Urretxuko Aikur museoak berriz, 25 urteko ibilbidearen ostean ateak itxi ditu. Ateak ireki dituena berriz, Igeldoko Kooperatibaren denda da. Esanahi handiko eraikinean kokatu dute denda....

According to the director of Synchron, Don Trapnell, the life insurance industry has truly stepped up to the mark since the pandemic began in order to meet the needs of both advisers and consumers in this challenging time. Don joins host Sarah Kendell on this episode of The ifa Show to discuss the options available to life insurance clients experiencing financial hardship, the impacts of the coronavirus on life insurance sales, and the value of reducing the amount of regulation for advisers. Don also reflects on the reasons behind the increase in advisers leaving the industry, whether the coronavirus and FASEA deadline extension have encouraged advisers to stay on longer than intended, and the key focuses for Synchron heading into the new financial year.

After appearing as a panellist on ifa's recent live webcast, Bryan Ashenden, head of financial literacy and advocacy at BT Financial, delves into the finer details of the FASEA standards with host Sarah Kendell on this episode of The ifa Show. Bryan shares the key concerns he's hearing from advisers regarding sitting the exam remotely and which standards advisers are finding most challenging at the moment. He also explains what constitutes "informed consent", how advisers can compliantly structure referral arrangements in line with standard 3, and what qualifications are needed in order to enter one's professional year.

On this episode of The ifa Show, host Sarah Kendell is joined by Australian Unity Advice's executive general manager, Matt Brown, to discuss the impact of the government's relief measures on advisers in the wake of the coronavirus crisis. Matt shares his insight on how useful the changed SOA requirements are for advisers, whether advisers should be prepared for the FASEA exam compliance deadline to remain as it is, and how the regulatory burden on advisers can be further reduced. Matt also delves into what can be done to keep advice affordable and accessible, where he sees the industry progressing over the next decade, and how advisers can help educate their clients in financial literacy.

With all face-to-face FASEA exam sessions replaced with online exams as a result of COVID-19 and the bill to extend the 1 January 2021 compliance deadline in limbo, many advisers are expressing concerns about passing the test in time. On this episode of The ifa Show, host Sarah Kendell is joined by Joel Ronchi, the principal consultant of myIntegrity in Practice, a training organisation that specialises in preparing advisers for the exam. Joel outlines some of the concerns he's been hearing from advisers around sitting the exam remotely, what is driving the trend of fewer advisers passing over time, and how advisers can adequately prepare themselves for taking the exam in the coming months.

With all face-to-face FASEA exam sessions replaced with online exams as a result of COVID-19 and the bill to extend the 1 January 2021 compliance deadline in limbo, many advisers are expressing concerns about passing the test in time. On this episode of The ifa Show, host Sarah Kendell is joined by Joel Ronchi, principal consultant of myIntegrity in Practice, a training organisation that specialises in preparing advisers for the exam. Joel outlines some of the concerns he's been hearing from advisers around sitting the exam remotely, what is driving the trend of less advisers passing over time, and how advisers can adequately prepare themselves for taking the exam in the coming months.

Back to school with the FASEA exam can be nerve racking, so we chat to Nancy Mikhail from Tafe NSW to uncover some great ideas to reduce the nerves and pass with flying colours….

Daniel Brammall considers the imminently legislated recommendations following the financial services royal commission as an opportunity for advisers to transition their business to true independence. The president of the Profession of Independent Financial Advisers joins host Sarah Kendell on this episode of The ifa Show. Daniel delves into the Hayne report recommendations expected to come into force on 1 July, the challenges advisers can face in transitioning their business model to fit new legislation, and the Path to Professionalism education program that helps advisers move towards independence. Daniel also explains the impacts of FASEA regulations on the finance industry, the demand for a uniform code of conduct via professional recognition, and whether it's possible for advisers to eliminate all conflicts in their practice.

In this special episode David interviews Malcolm Stewart from MJS Business & Financial Services. Malcolm met David at the Perth Xero Roadshow and asked to be on the podcast. Turns out we’re in the business of making dreams come true.  In this episode you will learn: The best, safest investment strategy Managing through the wealth industry revenue model changes Managing a practice through the mining boom, and after it! Malcolm’s favorite tech change (My Prosperity integrating with X Plan) Why older accountants struggle with the physicality of the FASEA exams  Old school targeted marketing. A paper solution to a digital problem.  www.sendhandwritten.com.au About Us From the Trenches is brought to you by Paul Meissner from Freedom Mentoring and David Boyar from Change GPS. Proudly sponsored by BGL and The Outsourced Accountant.

Matthew Wood is a WA based Adviser who has had the benefit of going overseas to learn from the bright boffins all the way over in Cambridge college! Matthew was also one of the first to knock over the FASEA exam and we get into the detail on the pod. Insight Perth Website: https://insightperth.com/ Matthew Wood Linkedin: https://www.linkedin.com/in/mattwood6/ General Disclaimer – https://www.xyadviser.com/disclaimer/ This podcast is brought to you by HUB24 (www.HUB24.com.au), an ASX listed company with over $15b in funds under management and one of the fastest growing platforms in the market. They believe in connecting advisors to innovative solutions that create opportunity, while delivering an awesome user and client experience. They’re big time supporters of advisors going solo and their BDM team are great to work with. We’re proud to partner with HUB24 - they’re big fans of the XY community and are continuing to help drive the positive evolution of financial advice. New XY platform now available: App Store: http://co.xyadviser.com/xyistore Google Play: http://co.xyadviser.com/xygplay Desktop: https://www.xyadviser.com/ Get CPD points for the XY Podcast here at Caddie https://thinkcaddie.com/ 20% off for XY+ members https://www.xyadviser.com/plus

In this episde, Bryce Doherty at UBS Asset Management speaks to Association of Financial Advisers (AFA) CEO Phil Kewin about the detrimental effects recent regulatory reforms – FASEA, in particular – have had on financial advice, and how long he predicts it will take for the industry to put itself back together.

Stephen is the CEO of FASEA, making him the centre of attention of the financial advice industry right now. Clayton sits down to dive deep into some of the more controversial topics, and hopefully provide some clarity on the changes coming in 2020. FASEA Website: https://www.fasea.gov.au/ General Disclaimer – https://www.xyadviser.com/disclaimer/ This podcast is brought to you by HUB24 (www.HUB24.com.au), an ASX listed company with over $15b in funds under management and one of the fastest growing platforms in the market. They believe in connecting advisors to innovative solutions that create opportunity, while delivering an awesome user and client experience. They’re big time supporters of advisors going solo and their BDM team are great to work with. We’re proud to partner with HUB24 - they’re big fans of the XY community and are continuing to help drive the positive evolution of financial advice. New XY platform now available: App Store: http://co.xyadviser.com/xyistore Google Play: http://co.xyadviser.com/xygplay Desktop: https://www.xyadviser.com/ Get CPD points for the XY Podcast here at Caddie https://thinkcaddie.com/ 20% off for XY+ members https://www.xyadviser.com/plus

Joel as been involved in the startup and running of a number of businesses aimed at Financial Adviser education. His most recent providing education to those sitting the FASEA exam. In this episode Joel shares many learnings from his journey to this point.

In this episode, we chat with FASEA CEO Stephen Glenfield.   You can hear our conversation with  Stephen (see links below) and while you're at it, why not subscribe to hear our future conversations as soon as they're released. Apple - http://bit.ly/GBAPodApple Spotify - https://lnkd.in/enn9kAP Android - https://lnkd.in/eHKv-xc

  Podcast with Stephen Kostarelas Show Notes In this episode we talk with Stephen Kostarelas of The Wealth Designers (TWD) about his life as a director and financial adviser. Amongst a range of interesting topics, we discuss how he came to financial planning from an accounting background and how TWD came to be AFA’s Firm of the Year in 2018. Stephen also shares some interesting thoughts about the incoming FASEA rules and the potential implications for accountants currently operating on a limited licence for providing financial advice. Interestingly, Stephen formerly enjoyed an excellent collaborative relationship with Slipstream Coaching’s Rachel Wilson, back in the days she was running her accounting firm. He talks about what made that relationship so beneficial for mutual clients and his views on the role of specialisation in offering solutions to those clients. Contact details for Stephen Kostarelas are: Email: stephen.kostarelas@twd.com.au Phone: 08 6363 5300 Web: www.twd.com.au Linked In: www.linkedin.com/in/stephenkostarelas/ Scott’s contact details are: Email: scott@slipstreamcoaching.com.au Phone: 0409 870 330 Web: www.slipstreamcoaching.com.au Twitter: ScottCharlton1 Linked In: www.linkedin.com/in/scottcharlton Exclusive offer from Fuseworks - Find out how FuseWorks can help you to work smarter FuseWorks create smart solutions for accountants and financial planners to help you turbocharge your productivity and create time for what really matters. They’ve extended a special code for all listeners of In the Slipstream to receive 50% off the annual subscription fee of their latest solution – FuseCharts. Just use the code peloton at www.fuse.work/fusecharts Website: www.fuse.work LinkedIn: https://www.linkedin.com/company/fuseworksteam/ To take an interest in Tim Lane’s music Facebook: The Backstick Agenda. (Please go and Like this page.) Website: www.thebackstickagenda.com/ To see film clips and to hear Tim’s music: https://thebackstickagenda.bandcamp.com/ (To purchase Tim’s music, you need to register on Bandcamp before you can download.)  

CEO of Licensing for accountants Kath Bowler joins host Katarina Taurian on this week’s episode of Accountants Daily insider to discuss all things FASEA and what it means for the financial advice space. Kath shares what steps accountants need to take to ensure they are able to continue to provide financial advice, reactions from industry professionals around the changes and her top 5 tips for nailing the implementation of the changes.

I was recently invited to share my experiences sitting the FASEA adviser exam with the Melbourne Financial Planning Network. The audio in this podcast was taken from that presentation.

Podcast with Phil Little, 12 months on as a Slipstream coach Show Notes In this episode, we talk with Phil Little of Slipstream about how he has found his first 12 months as a coach with Slipstream Coaching. Amongst a range of interesting items covered, we discuss the importance of knowing one’s future business cash flow, the importance of delegation and why taking on all comers as clients is detrimental to profits and team morale. Phil is well known for his insights with respect to business matters and financial services firms in particular. During the discussion, he shares some interesting aspects with respect to FASEA and his predictions for what successful firms will look like in the future. It makes for fascinating listening. Phil Little’s contact details are Email: phil@slipstreamcoaching.com.au Phone: 0411 668 867 Web: www.slipstreamcoaching.com.au Linked In: www.linkedin.com/in/phillip-little-04162378/ Scott Charlton’s contact details are: Email: scott@slipstreamcoaching.com.au Phone: 0409 870 330 Web: www.slipstreamcoaching.com.au Twitter: ScottCharlton1 Linked In: www.linkedin.com/in/scottcharlton To take an interest in Tim Lane’s music Facebook: The Backstick Agenda. (Please go and Like this page.) Website: www.thebackstickagenda.com/ To see film clips and to hear Tim’s music: https://thebackstickagenda.bandcamp.com/ (To purchase Tim’s music, you need to register on Bandcamp before you can download.)  

Podcast with Jenny Brown Show Notes In this episode, we talk with Jenny Brown of JBS Financial Strategists about FASEA, the Royal Commission and other matters relevant to the future of the financial planning profession. Amongst a range of interesting topics, we discuss doing further study, the increased requirement for professional development in the field of ethics and bringing on the next generation of advisers. Jenny also shares her thoughts about creating an enjoyable environment for clients and team members, the vision of her future firm along with some interesting personal aspirations. Jenny’s contact details are Email: jbrown@jbsfinancial.com.au Phone: (03) 8677 0688 Web: http://jbsfinancial.com.au/ Twitter: JBSFinancialJB Linked In: https://www.linkedin.com/in/jennybrownjbs/ Scott’s contact details are: Email: scott@slipstreamcoaching.com.au Phone: 0409 870 330 Web: www.slipstreamcoaching.com.au Twitter: ScottCharlton1 Linked In: www.linkedin.com/in/scottcharlton To take an interest in Tim Lane’s music Facebook: The Backstreet Agenda. (Please go and Like this page.) Website: www.thebackstickagenda.com/ To see film clips and to hear Tim’s music: https://thebackstickagenda.bandcamp.com/ (To purchase Tim’s music, you need to register on Bandcamp before you can download.)  

In this episode, we talk with Tim Lane of Centurion Market makers about practice valuations. Amongst a range of interesting topics, we explore trends in valuation including why there is a difference between CBD firms and regional firms. For planners, we also canvass discuss the impact that the Royal Commission and FASEA may have on valuations and of course, we touch upon the perennial issues of recurring revenue and BOLA’s for financial planning firms. For accountants we consider the favourable valuation impact of introducing a monthly recurring revenue model. Listeners will also hear about the complimentary telephone consultation that Tim offers to other practitioners about practice valuation. Tim also shares some interesting aspects from his experience with respect to developing a speciality within one’s firm – accumulating the expertise, systems, team members, marketing and strategic partnership. On top of all this, we look at the musical career that Tim has forged for himself and his group The Backstick Agenda alongside his day job at Centurion.   Tim Lane’s contact details are Email: tim@centurionmarketmakers.com.au Phone: 1300 766 156 Mobile: 0409 792 798 Web: https://centurionmarketmakers.com.au/ Linked In: https://www.linkedin.com/in/tim-lane-3513719/ Keep in mind the complimentary (and highly valuable!) consultation that Tim offers to practitioners regarding practice valuation and related issues – partnership matters, entry of new partners etc.   To take an interest in Tim’s music Facebook: The Backstreet Agenda. (Please go and Like this page.) Website: www.thebackstickagenda.com/ To see film clips and to hear Tim’s music: https://thebackstickagenda.bandcamp.com/ (To purchase Tim’s music, you need to register on Bandcamp before you can download.)   Scott’s contact details are: Email: scott@slipstreamcoaching.com.au Phone: 0409 870 330 Web: www.slipstreamcoaching.com.au Twitter: ScottCharlton1 Linked In: www.linkedin.com/in/scottcharlton

The FASEA requirements with Neil Kendall In this episode, we talk with Neil Kendall about the pending Financial Adviser Standards and Ethics Authority (FASEA) requirements. In a wide ranging interview, we cover many aspects of FASEA and what this will mean for financial advisers. Amongst a range of highly relevant topics, we discuss the qualifications required of advisers, the FASEA exam and what the approved code of ethics course is likely to entail. We also look at the situation for new advisers entering the financial planning profession and what will be expected of them in order to become fully qualified, including the proposed Professional Year. The expectations for CPD are also canvassed, particularly in relation to professional standards and ethics. Neil also shares his expectations with respect to how FASEA will impact stock brokers, risk specialists and accountants. His analogy relating to the medical profession here is particularly illuminating. Resources The consultation papers released by FASEA referred to on during this podcast can be found on the FASEA website: www.fasea.com.au The resources provided by the Financial Planning Association (FPA) are available on the FPA website: www.fpa.com.au. These can be found within: Advocacy; Policy issues; Education and professional standards requirements. The infographics on for existing financial planners and for new entrants are particularly helpful and hence are highly recommended. Scott’s book, Your Professional Headspace was also mentioned, due to the content it includes in Chapter 14 on going back to study. For more information about the book or to purchase go to www.scottcharlton.com.au/author/ Scott Charlton’s contact details are: Email: scott@slipstreamcoaching.com.au Phone: 0409 870 330 Web: www.slipstreamcoaching.com.au Twitter: ScottCharlton1 Linked In: www.linkedin.com/in/scottcharlton  

In this podcast, Risk Adviser speaks to Asteron Life regional manager Michael Iacuone about the challenges and opportunities in the life insurance industry – from LIF to FASEA to product design and distribution – and the enduring role of advisers in protecting clients. This episode is brought to you by Asteron Life. www.riskadviser.com.au

Join the Accountants Daily tag team of Terry Braithwaite and Katarina Taurian for a rundown of the week that was. Katarina gets fired up about FASEA, the Royal Commission and ASIC, while Terry settles the mood with a wrap of the Australian Accounting Awards. The team share their learnings and observations from the gala dinner in Sydney last week, including advice for accountants who are considering throwing their hat in the ring next year. www.accountantsdaily.com.au

In this week’s episode, Ben Nash’s ‘let’s have at it’ approach with Philip Kewin (CEO) (@afa_ceo) and Marc Bineham (National President) (@afa_pres) of the AFA (www.afa.com.au) explores some of the most discussed and debated topics within the XY community and the advice profession as a whole. We’re talking vertical integration, fee for no service, grandfathering, FASEA and the Royal Commission itself. Philip and Marc do a great job of sharing their insights and providing a ‘big picture’ overview regarding the cost of advice and how we can leverage technology to work towards a more sustainable advice profession [for all involved]. If you have concerns or questions on any of the topics mentioned above, you can contact the AFA directly with any and all feedback by heading to their contact page. (www.afa.asn.au/contact-us)  To sink your teeth (but more so your ears) into some other great XY episodes, head on over to www.xyadviser.com/podcast   This podcast is brought to you by HUB24 (www.HUB24.com.au), your comprehensive super and investment platform. The team at HUB24 have been delivering market-leading solutions since 2007. They believe in connecting advisers to innovative solutions that create opportunity, and are number one in terms of user experience, managed accounts functionality and adviser satisfaction. They’re big time supporters of advisers going solo and if you’ve ever dealt with their BDM team as we have, you’d know they are total legends! We’re proud to partner with HUB24 who are big fans of the XY community and driving the positive evolution of financial advice. This podcast is also brought to you by Centuria (www.centuria.com.au), an ASX-listed specialist investment manager with $4.6 billion in funds under management. Through their Investment Bonds and listed and unlisted property funds, they’re genuinely enthusiastic about helping people achieve their financial goals and accumulate wealth. Centuria offers technical and educational support to advisers, and supported with a dedicated team of distribution managers to help you deliver great solutions for your clients. They have been long-time supporters of XY Adviser and these podcasts dedicated to driving this profession we all love.