Podcast appearances and mentions of Keith Ford

In this episode of the ifa Show, host Keith Ford is joined by Nathan Fradley of Fradley Advice to take a look at all of the big topics that are impacting the financial advice profession, from AI and data security to AML/CTF and the CSLR. Nathan breaks down why AI is both a powerful tool and worthy of some scepticism, how some of the change flowing through the sector is going to change the way that advisers work with their clients, and whether the Delivering Better Financial Outcomes reforms will improve how the profession operates. Tune in to hear: Why data security is a vital consideration despite some links in the chain falling short. Whether there is any way to fix the Compensation Scheme of Last Resort to serve its intended purpose. Why, despite cost, levies and reform fatigue, financial advice is still a great career.

In this episode of the SMSF Adviser Show, host Keith Ford is joined by Marloo co-founder Shak Lala to unpack how AI is moving from note-taking to becoming a true AI partner for financial advisers. Shak explains how AI can materially increase adviser capacity, manage SMSF complexity, lift compliance standards, and improve client experience, while also allowing advisers to consolidate their tech stack and avoid the tedious admin tasks. Tune in to hear: How AI tools have evolved already to handle a wider range of tasks. What kind of efficiency gains the early adopters are experiencing. Where the future of AI in financial advice practices is heading.

In this episode of the ifa Show, host Keith Ford speaks with Charlotte O'Meara, general manager of Falcon Financial Advisers, about her move away from her former role as head of responsible investment at Challenger to running an advice practice. Charlotte unpacks the differences between being on the product provider side of the financial services sector and the advice side, how her understanding of client needs has evolved, and the expertise she can transfer across. Tune in to hear: How Falcon is planning to accelerate its growth strategy with the "Falcon engine". What the biggest challenges of shifting to a whole new side of the industry are. How the firm is applying better processes, technology, and structured pathways for the next generation of advisers.

In this episode of the ifa Show, host Keith Ford speaks with FAAA general manager of policy, advocacy and standards Phil Anderson about the spate of consultations that the government is undertaking in the financial advice space. Phil breaks down what is in the education reform proposal, the options put forward to deal with the Compensation Scheme of Last Resort (CSLR) cost blow out, as well as the potential action on superannuation switching and lead generation in the wake of the Shield and First Guardian scandal. Tune in to hear: Why the FAAA supports more a flexible pathway for prospective financial advisers. What the CSLR consultation gets right – and what it gets wrong. Whether any of the potential changes to super and lead generation would have actually helped avoid a fund failure disaster.

In this episode of the SMSF Adviser Show, hosts Keith Ford and Aaron Dunn explore some of the key developments shaping the SMSF landscape, including whether the Division 296 tax on high‑balance members could lead to a spike in wind‑ups. They also break down how the proposed financial adviser education reforms could create a more flexible pathway and grow the number of advisers in the profession, and take a look at how bankruptcy is being treated for SMSF trustees. Tune in to hear: Whether the introduction of Div 296 will drive SMSF wind-ups or if any change will be a drop in the bucket. How the proposed changes to education standards could improve access to SMSF advice. Why the Federal Court might allow an SMSF trustee to stay on despite bankruptcy.

In this episode of the SMSF Adviser Show, hosts Keith Ford and Aaron Dunn unpack the proposals that would see SMSFs included in funding the Compensation Scheme of Last Resort (CSLR) and why the approach to Division 296 post-death earnings attribution is a fraught proposition. A flurry of consultations flowed this week as the government seeks to address the fallout from the Shield and First Guardian collapses, with the exploding cost of compensation now putting pressure on the government to find new areas to cover the costs and SMSFs are firmly in the conversation. Tune in to hear: Whether there is any reasonable basis for including SMSFs in funding the scheme. Why the draft Div 296 regulations on post‑death earnings attribution are a death tax by stealth. What else is in the early responses to the draft regs.

In this episode of the ifa Show, host Keith Ford is joined by Paul Luu, financial adviser and life insurance specialist at Evalesco and Principal Edge, to unpack the scale and causes of Australia's underinsurance problem. Paul explains how risk advice fits within a holistic planning framework and outlines the "minimum effective dose" philosophy – structuring just enough cover to meaningfully protect clients and their families without over‑insuring or blowing up the budget. Tune in to hear: Why dedicated risk specialists are increasingly important inside advice practices. The real‑world consequences of underinsurance for clients. How advisers can reframe the conversation to better connect insurance to long-term legacy outcomes.

In this episode of the SMSF Adviser Show, hosts Keith Ford and Aaron Dunn are joined by SMSF Association CEO Peter Burgess and Adelaide University's Dr George Mihaylov to break down new research that compares the performance of SMSFs to that of APRA funds. By applying the same methodology used for APRA funds to a dataset covering more than 400,000 SMSFs, the study delivers a more accurate, "apples with apples" view of sector performance, underscoring the role of advice and diversification in outcomes. Tune in to hear: How investment performance of SMSFs and APRA funds stack up. Why there is a much larger variance in performance among SMSFs. The benefits that advisers are able to deliver, particularly for low-performing funds.

In this episode of The ifa Show, host Keith Ford is joined by financial adviser Jayde Jenkins to unpack the realities of starting and running an advice business, and why the idea of launching a firm can be appealing for many advisers but doesn't always deliver the outcomes they expect. Jayde explores the pressures of business ownership, from operational demands to personal trade-offs, and why stepping away from running a firm can sometimes be the right decision. Tune in to hear: How the appeal of independence can quickly be outweighed by the realities of running a business. Why moving between roles and structures can provide valuable perspective and lead to better long-term fit. The importance of aligning your role with your strengths.

In this episode of the ifa Show, host Keith Ford speaks with Unbound Financial founder Charmaine Hall about how she has embedded AI across her financial advice business to reclaim time, cut costs, and deepen client relationships. Charmaine dives into the risks, boundaries, and ethics of AI in advice, stressing the importance of accuracy checks, not over‑trusting AI, and putting tight security and data‑handling controls in place. Tune in to hear: How AI can enhance the human side of advice. Why advisers need to look beyond simply generating file notes to reap the benefits. Balancing the use of AI with ethical concerns.

In this episode, host Keith Ford speaks with Michael Khouri, principal adviser at Better Financial Planning and host of the 'Sharing More Than the Sheets' podcast, about the value that a financial adviser's podcast can have for both their firm and their clients. Michael explains that although he originally launched his podcast to find new clients, it quickly evolved into a passion project focused on helping people with practical money topics rather than technical product discussions. Tune in to hear: Why podcasts can be a powerful tool for trust and vetting. How episodes can be used as follow-up resources and tools for referral partners. The importance of efficiency in advice businesses so advisers can help more Australians.

In this episode of the SMSF Adviser Show, hosts Keith Ford and Aaron Dunn sit down with Andrew Inwood, global CEO of CoreData, to explore how SMSFs are evolving and the structural shift from accumulation to decumulation. Inwood explains that SMSFs are moving into a "next wave" of growth and maturity, with technology, changing member expectations, and an enormous looming intergenerational wealth transfer all reshaping the sector. Tune in to hear: Why younger, wealthier cohorts are increasingly starting SMSFs. The central role SMSFs will play in how capital is managed and deployed. Why the industry needs to articulate a clear, positive narrative about SMSFs' role in delivering better retirement and intergenerational outcomes.

In this episode of the ifa Show, host Keith Ford speaks with Jordan Vaka, an independent financial adviser at PlanningSolo, about his niche focus on clients experiencing divorce and bereavement, particularly older women who have not previously managed the household finances. Jordan explains the practical and emotional realities of advising recently widowed or divorced clients, from working closely with lawyers and unwinding complex structures to slowing things down or comforting a distressed client. Tune in to hear: How both divorce and bereavement can consumes clients' mental capacity. The importance of simplifying financial affairs and focusing on predictable, regular income rather than elaborate structures. Why deep specialisation in niches can significantly improve client outcomes.

In this episode of the SMSF Adviser Show, host Keith Ford is joined by Robert Talevski, CEO of Webull Securities Australia, to explore how technology and global markets are reshaping advice and SMSF investing. Talevski argues that if trustees and advisers go to the effort of running a self‑managed fund, they should be thinking beyond simple passive exposures, while still respecting client risk profiles, retirement horizons and the extra admin burden inside super. Tune in to hear: Why the bigger opportunity may sit with companies using AI rather than building it. How ETF use is evolving toward active, thematic and outcome‑focused products. The value of advisers looking offshore for opportunities and global diversification.

In the second episode of the SMSF Adviser Show's special SMSF Association National Conference editions, hosts Keith Ford and Aaron Dunn are joined by three more industry experts in Adelaide. SMSF Association policy manager Keddie Waller joins the show to break down a range of superannuation reforms that are impacting the SMSF landscape, including the AML/CTF changes that are on the horizon. Then Tony Negline from Chartered Accountants ANZ explains why payday super is going to cause a lot more headaches then many professionals expect, as well as what businesses need to do to get ready for the 1 July start date. Finally, Dr Evan Morrison from HUB24's Innovation Lab takes us through the ways that artificial intelligence is reshaping professional practice and where the new frontier of agentic AI is heading.

In this special episode of the SMSF Adviser Show, hosts Keith Ford and Aaron Dunn are joined by a selection of prominent industry members at the SMSF Association National Conference in Adelaide. In part one, SMSF Association chief executive Peter Burgess joins the show to talk about where the SMSF sector is heading, how it's growing, and the major issues impacting professionals. Then Class CEO Tim Steele and Financial Services Council CEO Blake Briggs chat about the thought leadership breakfast on the first day of the conference, why many SMSF members are not receiving advice, and how to get more advice to these members.

In this episode of the ifa Show, host Keith Ford speaks with Shannon Freney of Direct Wealth about practical ways financial advice firms can improve efficiency without compromising client outcomes. Freney explains why firms should treat efficiency as part of an ongoing process, while maintaining a measured and deliberate approach rather than change for its own sake, and how understanding where the bottlenecks exist can help advisers streamline their operations. Tune in to hear: Why it's vital to map out the advice process to find bottlenecks, unnecessary complexity, and hidden workarounds. How being clear on your value proposition and target client profile can reduce inefficiencies. The importance of shifting from product to strategy-focused advice.

In this episode of the ifa Show, host Keith Ford speaks with Dwayne Fernandes, senior financial adviser and partner at Principal Edge, about the complex realities of intergenerational wealth transfer for high‑net‑worth families and why a multi-disciplinary team is so important for client success. Fernandes breaks down the blind spots that can undermine long-term outcomes when professionals take a siloed approach rather than working collaboratively, and why financial advisers are well placed to take the project lead role. Tune in to hear: How the $3 million super tax – and the new $10 million threshold – could change client thinking. Why early, proactive estate and succession planning is essential. The shifting role of the financial adviser.

There has already been a flurry of activity within the SMSF sector in the first month of the year and keeping on top of all the upcoming changes is set to be a challenge. On this episode of the SMSF Adviser podcast hosts Keith Ford and Aaron Dunn look at the key themes shaping the SMSF advice industry from the new draft of the Division 296 legislation, to contribution cap changes, the impact of inflation on superannuation and how the latest RBA rate hike will impact superannuation. Listen as they discuss: Impact of Division 296 and contribution cap changes. Inflation and transfer balance cap adjustments. The need for SMSF practitioners to be on top of the reporting of the self-managed fund. Superannuation and the victims of crime bill. The RBA rate decision and future legislative changes.

In this episode of the ifa Show, general manager of Viridian Advisory Brett Arnol joins host Keith Ford to speak about how the firm approaches the Professional Year as a strategic talent pipeline rather than a compliance hurdle. Arnol explains that simply following the regulatory framework is not enough to turn a new adviser into a capable "advice‑ready" professional, and breaks down how Viridian maps each adviser's path over one, three and five years, using the PY as a foundation for long‑term career development, clarity of expectations, and strong retention. Tune in to hear: How listening, confidence, and the willingness to have difficult client conversations can be just as important as technical knowledge. Why clarity within the PY process is vital to setting advisers up for long-term success. How a well‑run PY program creates loyal, "homegrown" advisers, but firms must accept a three- to five-year horizon before candidates are fully productive.

On this episode of the ifa Show, Forte Asset Solutions principal Steve Prendeville joins host Keith Ford to break down the advice sector M&A outlook and why the feared wave of exits never aligned with what he was seeing on the ground, particularly among advice business owners. While consolidation is accelerating, Prendeville stressed that successful deals are less about headline price and more about cultural alignment, client continuity and protecting staff outcomes, with many advisers choosing to sell without exiting and remain in advice roles post-transaction. Tune in to hear: Why adviser exits linked to the education deadline have been far lower than forecast. How rising fees and profitability are underpinning strong M&A activity, with demand from both private equity-backed groups and traditional buyer-to-buyer transactions. Why the bottom line price isn't always the biggest factor.

In this episode of the SMSF Adviser podcast, hosts Keith Ford and Aaron Dunn dissect the draft Division 296 legislation with SMSF Association CEO Peter Burgess, including the fresh challenges around equity, complexity and "system neutrality" between SMSFs and large APRA funds. Breaking down the association's submission to the draft legislation consultation, Burgess stresses that while the sector "won the battle" on unrealised gains, the new fight is ensuring that realised earnings allocated to in‑scope members are fair and transparent, especially given the different calculation methods across fund types. Tune in to hear: Why the TSB integrity measure is a red flag for the SMSFA. How the issues that remain in the draft legislation can be fixed. When to expect the bill to enter Parliament.

In this episode of the SMSF Adviser podcast hosts Keith Ford and Aaron Dunn take a look back at the biggest events in the SMSF space for 2025, from the federal election and Division 296 uncertainty to tighter regulatory scrutiny across the sector and the ramifications of pension errors.  They also break down concerns that the government may look to drag SMSFs into the Compensation Scheme of Last Resort, including how exactly it could be achieved and whether it makes any sense at all. Listen as they discuss How the Div 296 changes are setting up a Groundhog Day for EOFY Whether new draft legislation will actually be seen before Christmas Where SMSFs are heading in 2026 How the CSLR could impact the SMSF sector

On this episode of the ifa Show, Omura Wealth Advisers director Terry Vogiatzis joins host Keith Ford to dive into why aggressive, growth-focused investing, smart tax structures and customised portfolios can dramatically change long-term outcomes. Vogiatzis argues that for many younger investors, the real risk is being too conservative for too long, rather than riding out volatility in pursuit of higher compounding returns, and why it is vital to adapt an investment strategy that recognises that these clients are providing consistent inflows. Tune in to hear: Why the real risk is for younger clients is being too conservative for too long. How compliance and fee pressures are reshaping advice. Why customisation and tax efficiency are critical for higher‑earning younger clients.

In this episode of the SMSF Adviser podcast hosts Keith Ford and Aaron Dunn unpack the unresolved details of Division 296, including how the shift to taxing realised gains may affect high-balance SMSF members, particularly in the year of death. They discuss why "hold-until-you-die" strategies are unlikely to be practical due to pension and liquidity pressures.   They also delve into the government's new Digital Assets Framework Bill, which brings crypto platforms into the AFSL regime to improve consumer protection – an important shift given SMSFs' strong involvement in digital assets.  Listen as they discuss: Div 296 uncertainty and end-of-year legislative timing Strategy concerns for high-balance SMSF members Financial abuse risk within SMSFs Role of advisers and practical vigilance

In this episode of the ifa Show, Vanguard Australia head of multi-asset solutions Matthew Cho joins host Keith Ford to unpack how advisers are rethinking portfolio construction amid rising regulatory demands, administrative complexity and broader market uncertainty. With advisers under pressure to deliver tailored portfolios while preserving efficiency, Cho explains why scalable, rules-based investment solutions – particularly managed accounts and model portfolios – are becoming essential tools for modern practices. Tune in to hear: How utilising a core–satellite approach can balance the goals of diversification, cost efficiency, and alpha generation. Why rising compliance load and limited time is driving advisers to scalable model portfolio solutions. The practical benefits that model portfolios can provide for both advisers and their clients. Vanguard Investments Australia Ltd (ABN 72 072 881 086 / AFS Licence 227263) (Vanguard) is the Portfolio Manager of the Vanguard Core-Satellite Model Portfolios (Portfolios). Lonsec Investment Solutions Pty Ltd (LIS) (ABN 95 608 837 583) is engaged to provide investment advisory services in relation to the Portfolios. LIS is a Corporate Authorised Representative (CAR) of Evidentia Financial Services Pty Ltd (ABN 97 664 546 525 / AFS Licence 546217).  

In this episode of the ifa Show, Direct Wealth technology manager and Halosoft co-founder Nick Downey joins host Keith Ford to explore the real reasons many Australian financial advisers remain hesitant about AI, despite 74 per cent of practices are either using or planning to use AI.  Downey explains why this hesitation exists, why it's rational – particularly when it comes to security concerns – and how tools purpose-built for advice practices are starting to shift adviser comfort and confidence. Tune in to hear: What the real barriers to AI adoption are and why it isn't about resistance to technology. How adviser confidence shifts quickly once they experience a high-quality, adviser-aligned AI tool firsthand. Why the future of advice technology is workflow-driven, client-centric, and focused on freeing advisers to do more of the human work that matters.  

In this episode of the SMSF Adviser Show, CoinSpot chief business development officer Tim Wilks joins host Keith Ford to break down the rapid rise of digital asset investing within the SMSF sector – and why trustees are increasingly looking to crypto as part of a broader diversification strategy.    Wilks explains how institutional adoption, regulatory progress and improved compliance frameworks have helped shift perceptions of cryptocurrency from a speculative punt to a legitimate high-growth asset class.   Tune in to hear: Why SMSFs are increasingly allocating to cryptocurrencies and other digital assets. How to practically work with SMSF clients in the digital asset space. Why advisers who skill up early on crypto will be better positioned to attract and retain clients as demand accelerates.

In the latest episode of The ifa Show, Dr Ben Neilson, adjunct professor at Central Queensland University and adviser at Complete Wealth, and Shelley Labartolo, client service officer at Complete Wealth, join host Keith Ford to break down their research on the stages of client emotions during the advice process.   Their research centred on how understanding and mapping client emotions at each stage – from discovery and strategy development to implementation and review – not only improves decision quality and trust but also enhances the client experience and reduces the need for follow-up.   Tune in to hear: How advisers can practically implement the findings to foster greater levels of trust with clients. Why it's important to address emotions proactively with feedback, empathetic questioning, and clear communication. The value for advisers with high emotional intelligence and how they can build greater trust and achieve stronger, more durable client relationships.

In this special episode of the SMSF Adviser Show, hosts Keith Ford and Aaron Dunn are joined by Liam Shorte, managing director of SONAS Wealth, and Phil Broderick, principal at Sladen Legal, at the SMSF Technical Strategy Day in Sydney.   Shorte joins the show to discuss the evolving world of contribution and why it's important to understand the contribution rules and caps to ensure planning decisions remain sound regardless of the final policy settings.   Listen as Broderick unpacks a range of estate planning issues he covered in his session at the strategy day, including how some recent case law should impact the way SMSF professionals consider death benefit nominations.

In the latest episode of The ifa Show, Andrew Gale and Stephen Huppert from the Actuaries Institute's Help, Guidance and Advice Working Group joins host Keith Ford to take a deep dive into the recently released framework to address the complexities of financial advice in Australia, focusing on creating clearer pathways for consumers to access financial support. Andrew and Stephen explain that the current system leaves approximately 60 per cent of Australians without adequate financial support, while the HGA framework aims to bridge this gap by providing a more flexible approach that allows for different levels of support, from basic information to comprehensive personalised advice, while maintaining clear regulatory boundaries. Tune in to hear: •    The challenges facing the provision of financial advice and how the framework aims to solve them. •    Why clearer boundaries between different levels of financial support are vital to improve client outcomes. •    How the still unfinished Delivering Better Financial Outcomes reforms can provide some positive results.

In the latest episode of The ifa Show, MLC Expand CEO Liz McCarthy and Shadforth Financial Group CEO Terry Dillon join host Keith Ford to discuss the transformative role of AI in financial advice and how AI tools are being implemented to drive efficiency. With advice firms looking for greater automation of routine administrative tasks, AI is set to reshape the advice profession's approach to client service and business growth. Tune in to hear: How MLC Expand and Shadforth are responding to the need for greater efficiency through AI tools. Why rigorous governance and privacy protocols to ensure data security and accuracy are so vital. The crucial role of AI in expanding client service capacity, improving financial literacy, and addressing the broader advice gap in the market.

After nearly two decades, the SMSF lending market has matured into a stable and well-regulated segment – yet complexity and misconceptions persist. Bluestone Home Loans head of specialised distribution, Richard Chesworth, joins host Keith Ford to break down the nuances of limited recourse borrowing arrangements (LRBAs). From redrawing for property repairs to understanding offset structures and pre-2018 grandfathering rules, Chesworth highlights that success in SMSF lending depends as much on precision and teamwork as it does on opportunity. Listen as they discuss: How advisers can work through the complexity that still exists in SMSF borrowing. What technical traps remain and how redraws, offsets, and refinancing can trigger compliance risks. The importance of collaborating closely with lenders and prioritising expertise and structure over rate alone.

The announcement this week from the government outlining the changes to the $3 million super tax was met with relief, but there are still many unknowns. On this episode of The SMSF Adviser podcast, hosts Keith Ford and Aaron Dunn unpack the changes from the initial proposal to the current version released this week. The discussion emphasises that while the major concerns of taxing unrealised gains and lack of indexation have been addressed, many technical details still need to be clarified through the legislative process and further consultation. Listen as they discuss: Taxable earnings: Originally, the tax applied to all earnings, whether realised or not. The revised measure will only tax realised gains. Indexation: The $3 million threshold will be indexed against the Consumer Price Index (CPI) in $150,000 increments, pegged to transfer balance cap movement. The $10 million threshold will be indexed in $500,000 increments, also aligned with CPI. Tax rates: For balances above $3 million, an additional 15 per cent tax applies to earnings. For balances above $10 million, an additional 10 per cent tax applies to earnings. Start date: The effective start date has been moved to 1 July 2026, with the first assessments issued in the 2027–2028 financial year. Liability: The tax liability remains with the individual, who can pay it directly or seek a release from their super fund. The ATO will calculate the tax. Consultation: There is optimism for constructive consultation on the implementation details, particularly regarding how realised earnings will be calculated for APRA funds and SMSFs, and the treatment of CGT discounts and pre-2026 asset gains.

In this crossover episode of The ifa Show, host Keith Ford is joined by The SMSF Adviser Show co-host Aaron Dunn to unpack the changes from the initial proposal to the current version released this week. The discussion emphasises that while the major concerns of taxing unrealised gains and lack of indexation have been addressed, many technical details still need to be clarified through the legislative process and further consultation. Listen as they discuss: Taxable earnings: Originally, the tax applied to all earnings, whether realised or not. The revised measure will only tax realised gains. Indexation: The $3 million threshold will be indexed against the consumer price index (CPI) in $150,000 increments, pegged to the transfer balance cap movement. The $10 million threshold will be indexed in $500,000 increments, also aligned with CPI. Tax rates: For balances above $3 million, an additional 15 per cent tax applies to earnings. For balances above $10 million, an additional 10 per cent tax applies to earnings. Start date: The effective start date has been moved to 1 July 2026, with the first assessments issued in FY2027–28. Liability: The tax liability remains with the individual, who can pay it directly or seek a release from their super fund. The ATO will calculate the tax. Consultation: There is optimism for constructive consultation on the implementation details, particularly regarding how realised earnings will be calculated for APRA funds and self-managed super funds, and the treatment of CGT discounts and pre-2026 asset gains.

In the latest episode of The ifa Show, Falcon Financial Advisers partner and financial adviser Tom Moloney joins host Keith Ford to break down why he decided to establish his own firm around 18 months ago, and the importance of developing new talent in financial advice. Moloney explains how he took an intentional approach to his career in financial advice, some of the pros and cons of setting up a new advice firm, and the different options that a prospective practice principal can explore when going out on their own. Tune in to hear: The value of having the support of an established business, including leveraging shared resources, economies of scale, and established referral networks. How transitioning from an adviser to a business owner requires a significant mindset shift. Why nurturing "soft skills" like communication and client understanding in new advisers, alongside technical expertise, is vital.

Updated legislative and regulatory instruments were added to the ever-expanding cache in the SMSF sector last month. In this episode of the SMSF Adviser podcast, hosts Keith Ford and Aaron Dunn unpack what it all means with Bryce Figot, special legal counsel for DBA Lawyers. Figot delves into the changes made in LCR 2021/2 and TR 2010/1, focusing on non-arm's length income provisions and contributions and specifically how they may affect professionals working in the sector. Listen as they discuss: The new “safe harbour” example (7A) in LCR 2021/2. Paragraph 51, outlining discounted prices for SMSF services. Contribution updates in TR 2010/1 that clarify how acquiring an asset for below-market value is not a contribution if it's a purchase under a sale contract. The importance of proper documentation and arm's length valuations that are crucial for mixed part-purchase and part-contribution scenarios. The disproportionate outcomes that still exist where small non-arm's length capital gains can taint entire net capital gains or distributions from unit trusts.

The SMSF sector is in a holding pattern as key regulatory and legislative changes remain unresolved. In this episode of the SMSF Adviser podcast, hosts Aaron Dunn and Keith Ford discuss some of the key changes that are still to be clarified, such as the Div 296 tax and the much-anticipated NALI/E amendments. The podcast touches on recent updates from the ATO, specifically regarding Law Companion Ruling (LCR) 2021/2 relating to super contributions and the recently released annual Class Benchmark report. Listen as they discuss: Revelations that more SMSFs will be impacted by the proposed Div 296 than originally estimated. The changing face of the SMSF sector demographics. The ongoing advice gap in the SMSF sector. Implications of commuting market-linked pensions.

In the latest episode of The ifa Show, Ben Walsh, principal research consultant at WealthVantage Partners, joins host Keith Ford to break down the corporate regulator's new report on the private credit market and highlight the main areas that financial advisers need to understand. Walsh delves into the report's detailed examination of the industry, emphasising the need for greater transparency and scrutiny, particularly regarding special purpose vehicles, fee disclosures, and product labelling. Tune in to hear: Why advisers need to conduct thorough due diligence and not rely on any third party when recommending private credit to clients. The danger of private credit funds often being mislabelled as “defensive exposure” despite the illiquid nature of their underlying assets. Why advisers shouldn't be considered gatekeepers, and more onus needs to be on the fund managers themselves.

In the latest episode of The ifa Show, Mazi Wealth financial adviser Deline Jacovides joins host Keith Ford to delve into the complexities of making financial advice more accessible and why accessibility extends beyond simply trying to deliver advice at the lowest cost possible. Jacovides explains that she believes making advice more accessible includes utilising diverse delivery methods like ad hoc services that may appeal to clients who may not require continuous engagement, while also requiring government action to reduce the cost burden on financial advisers. Tune in to hear: Why transparency and education are crucial to bridge the gap between client expectations and the true cost of financial advice. How clients who have engaged with online “finfluencer” content often have some level of foundational financial literacy. The role of technology in streamlining operations and enhancing the efficiency of advice delivery. Why fixing the onerous statement of advice process should be the top priority in advice reform.

In the latest episode of The ifa Show, host Keith Ford is joined by Shail Singh, lead ombudsman for investments and advice at AFCA, for a deep dive into two of the most complex – and crucial – pillars of financial consumer protection: the Australian Financial Complaints Authority and the Compensation Scheme of Last Resort. From resolving disputes early and rebuilding client relationships to tackling large-scale cases like Dixon Advisory, Singh sheds light on how AFCA operates and the challenges posed by mounting case volumes. The discussion also unpacks the role of the CSLR in firm failures, deadline-driven complaint surges, and the often-confusing treatment of self-managed super funds under retail versus wholesale classifications. Hear about: AFCA's approach to resolving disputes and why early resolution is encouraged. The challenges of the CSLR in handling firm failures and complaint deadlines. What advisers need to know about SMSF classifications, multi-party disputes, and managing risk.

In the latest episode of The ifa Show, host Keith Ford sits down with David Berry, inaugural CEO of the Compensation Scheme of Last Resort, to unpack the challenges of protecting investors when financial advice goes wrong. They discuss high-profile failures like Dixon Advisory, Shield, and First Guardian, and the legislative and regulatory changes needed to ensure the CSLR's long-term sustainability. Tune in to hear: The complexities of addressing financial firm failures, including Dixon Advisory and United Global Capital. Legislative and regulatory improvements that could strengthen the CSLR for the future. How transparency and ethical advice are crucial to maintaining trust in the financial advice profession.

As it recovers from massive fines and reputational headaches, Qantas has a new hairy problem to deal with over its move to make QantasLink flight crews adopt the same grooming standards as mainline Qantas and Jetstar pilots: namely, no beards allowed. Qantas insists this is for safety reasons, with a report saying facial hair can interfere with oxygen masks – but hirsute Qantas pilots are crying “not by the hair on our chinny-chin-chins,” and pointing to studies showing beards shave hardly anything off the safety margin. So, who's right? Jake is joined by special guest host and fellow facial hair enthusiast Keith Ford of the ifa and SMSF Adviser podcasts to look at the arguments for and against the beard ban, and to take a brave stand against pogonophobia. Plus, a bunfight erupts over government frequent-flyer perks, and Koala Airlines responds to our challenge – were we wrong about the scrappy start-up?

In the latest episode of The ifa Show, Hayes & Co Insurance Services financial adviser Trish Gregory joins host Keith Ford to explain the importance of childhood trauma policies, how they can help parents through a child's significant health issues and why more advisers should be keeping them top of mind for their clients. Gregory details the benefits of the somewhat niche policy and what advisers need to know about the relatively straightforward process to set the coverage up, as well as the value of having an expert on hand at claim time. Tune in to hear: Why the ability to transfer a childhood trauma policy to an adult policy with no underwriting can be so valuable. The broader issues with fewer financial advisers working in risk advice. How advisers who don't write a lot of risk should lean on insurer's business development managers. Why there needs to be a more transparent system for professional year candidates.

The updated rules on when a pension commences and ceases have created confusion in the SMSF sector. On this week's episode of the SMSF Adviser podcast, hosts Aaron Dunn and Keith Ford delve into the intricacies of TR2013/5 with Tim Miller, head of education and technical for Smarter SMSF. Miller explains how the revised ruling, which was updated in June 2024, primarily reflects changes from the super reforms introduced on 1 July 2017. He provides a fresh perspective on what needs to happen when a super income stream fails to meet the pension standards for a financial year, particularly with minimum pension requirements. Listen as they discuss: How the consequences of failing to meet pension standards have become more stringent. The trust law aspect of pensions. The importance of understanding the minimum pension obligation and the consequences of failing to meet it. The retrospective application of these rules. The complexities surrounding TRIS. The time frame for losing ECPI beyond the traditional 12 months.

In the latest episode of The ifa Show, Rasiah Private Wealth founder and principal adviser Thabojan Rasiah joins host Keith Ford to discuss why the self-confessed “investment geek” believes maximising returns shouldn't be the sole objective of financial advice. Rasiah explains that while investing wisely is crucial, an overly narrow focus on investments can lead to neglecting other crucial aspects of financial advice and potentially overshadow a client's broader life goals. Tune in to hear: Why looking beyond just returns can ensure that other outcomes important to your clients are sufficiently addressed. How to benchmark and measure the success of goals that aren't focused on percentage-based performance. The role of thoughtful questioning in helping clients articulate their true goals. Why making advice accessible to a wider audience is a pressing issue for the profession.

Australia is currently grappling with a complex web of regulatory reforms, which has left many advisers in a state of limbo. In this episode of the SMSF Adviser podcast, hosts Keith Ford and Aaron Dunn discuss the pressing issue of financial advice reform. One of the most troubling issues is in the advice sector, and after nearly three years since the Quality of Advice Review (QAR) report was delivered, the sector is still waiting for significant progress. Listen as Keith and Aaron discuss: The fragmented nature of the regulatory framework. The challenges in the requirement for an account number on fee consent forms. The government's focus on super, particularly in the retirement phase. Technical aspects of SMSF management, including deferred tax accounting. Recent actions by ASIC against SMSF auditors.

In this crossover episode with The ifa Show, hosts Maja Garaca Djurdjevic and Keith Ford are joined by shadow financial services minister Luke Howarth to discuss the Coalition's goals for financial advice and the economy. They begin the podcast discussing the Coalition's stance on implementing the Quality of Advice Review (QAR) recommendations. The podcast then turns to analysing the Australian economy following high inflation and increased government spending. The trio wrap up the podcast discussing whether the financial advice profession would be better off under a Coalition government.

The 20th and 21st centuries have produced some outstanding (and award-winning) legal, or legal-adjacent, motion pictures. Here, we flesh out what makes a good legal movie and why, and what are the best and most enjoyable cinematic experiences involving lawyers. In this episode of The Lawyers Weekly Show, host Jerome Doraisamy is joined by Keith Ford (deputy editor of Lawyers Weekly's sister brand, ifa) to discuss his passion for cinema, the tropes and themes that can make up a legal-adjacent motion picture, the myriad forms a legal movie can take, from courtroom drama to class action investigation, and whether legal movies need to be realistic to be good. The episode also delves into the necessity or otherwise of a true story to make a good legal movie, the importance of social, cultural or personal themes that can hit home for the audience, the extent to which the Australian movie industry has produced good legal films, the tenet of injustice being overcome by central characters, and what both Doraisamy and Ford view as being the best legal movies of all time, and what their personal favourites are. If you like this episode, show your support by  rating us or leaving a review on Apple Podcasts (The Lawyers Weekly Show) and by following Lawyers Weekly on social media: Facebook, Twitter and LinkedIn. If you have any questions about what you heard today, any topics of interest you have in mind, or if you'd like to lend your voice to the show, email editor@lawyersweekly.com.au for more insights!

#FenceFam You know you're getting old and boring when you're in bed at 8:45pm during the week of FenceTech! In all fairness night one, hour one, on Sunday, Keith Ford and I tried to drink with Brad Jones. We learned real quick Canadians can hold thier own! With that being said Matt and I dropped a few bangers and here's the first of many to come! ... Get Signed up for the Mr. Fence Retreat and the NE AFA Regional Show! Below!!!   Here's the link for the 2024 Northeast Chapter AFA Regional Tradeshow!!! https://web.cvent.com/event/f1a681b6-d4ef-4d04-8a37-f6182823bac2/summary   Help Justen Meneses help out those that protect us! Let's show these guys what the FenceFam is all about!!! Venmo @turkeys4soldiers Checks to:  413 North 7th Street Plattsmouth, NE 68048   Sign up today for the Mr. Fence Academy Retreat https://www.eventbrite.com/o/mr-fence-academy-44525883583   Cheers! Remember to like, share, comment and REVIEW!   Mr. Fence Companies:  Mr. Fence https://gomrfence.com Mr. Fence Tools https://mrfencetools.com Mr. Fence Academy https://mrfenceacademy.com ...Remember to tell Shawn #TeamRed sent you!!!   Episode Links: @TheFenceIndustryPodcast @RiverCityFence1985 TheFenceIndustryPodcast@gmail.com   StainAndSealExperts.com @stainandsealexperts on IG Stain & Seal Experts on YouTube Stain and Seal Expert's Staining University on FB   Greenwood Fence CALL LISA NOW!!! #630-359-3328 Tell her Dan from The Fence Industry Podcast Sent You!!! greenwoodfence.com IG @greenwood_fence FB Greenwood Fence   FenceNews Visit fencenews.com    Ozark Fence & Supply promo code: TFIP15 for 15% off! ozfence.com   Benji with CleverFox for all your FENCE website needs! cleverfox.online   The Fence Industry Podcast is Produced by "Rob The Producer" Check him out at @therobnoble everywhere.