Guiding clients through the three phases of retirement

Guiding clients through the three phases of retirement

There are three phases of retirement: the active early years, quiet mid years and frail old age. Here’s how financial advisers can help clients prepare.

4 mins read
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What rising global interest rates mean for Australians

What rising global interest rates mean for Australians

While Australia’s interest rate remains unchanged, around the world it’s a different story. Here’s what rising global interest rates mean for Australians.

3 mins read
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Can emotional agility help you be a better adviser?

Can emotional agility help you be a better adviser?

Emotional agility is a new four-step approach helping people navigate life’s twists and turns with self-acceptance. Here’s how it can help financial advisers.

3 mins read
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How to be a good financial adviser AND leader

How to be a good financial adviser AND leader

Sure, you might be a great financial adviser. But how good are you at managing people? Here are some tips to improve your people management and leadership skills.

3 mins read
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How advice practices are using chatbots: 3 real examples

How advice practices are using chatbots: 3 real examples

Three financial advice businesses share their experiences using chatbots, including the advantages, challenges and what they've learnt along the way.

4 mins read
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4 steps to add responsible investment to your service offering

4 steps to add responsible investment to your service offering

With research showing nine out of 10 Australians expect investments to be invested responsibly, here’s four steps to get started with responsible investment.

4 mins read
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What exactly is the yield curve?

What exactly is the yield curve?

Current talk is all about an inverted US Government Bond yield curve and a possible economic slowdown for the US. But what does that mean for investors?

5 mins read
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Transitioning to AFCA: the final tasks to complete

Transitioning to AFCA: the final tasks to complete

To effectively transition to the Australian Financial Complaints Authority (AFCA), there are still a number of tasks practices need to complete by 1 July 2019.

4 mins read
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Ageing parents? How to avoid money blow-ups with your siblings

Ageing parents? How to avoid money blow-ups with your siblings

Nearly 70% of adult sibling blow-ups are about inheritances, parental care and financial support, so it’s smart to talk things through before problems arise. 

5 mins read
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Understanding Fringe Benefits Tax during the Christmas season

Understanding Fringe Benefits Tax this during the Christmas season

If you’re planning on holding a staff Christmas party or providing gifts to employees, it pays to be aware of the Fringe Benefits Tax implications.

4 mins read
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SMSFs increase diversification using offshore investments

SMSFs increase diversification using offshore investments

SMSF investors know the value of diversifying their assets. But a new CommSec report reveals a trend towards further diversification using offshore investments.

3 mins read
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SMSFs are chasing value

SMSFs are chasing value

Self-managed super funds (SMSFs) are increasingly on the hunt for value when it comes to their Australian share portfolios, a new CommSec report has found.

2 mins read
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Career advice for new financial advisers

Career advice for new financial advisers

Three industry experts share the biggest challenges they've faced in their careers, what they’ve learnt and their career advice for new financial advisers.

4 mins read
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The definition of 'income' for common concessions

The definition of 'income' for common concessions

The Australian Government uses different definitions of income to calculate different government benefits. Here’s what income means for some common concessions.

5 mins read
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6 tips to keep your SMSF records in order

6 tips to keep your SMSF records in order

Life’s hard for the trustee of an SMSF, with various records to manage. Here’s six tips to ensure your fund runs efficiently and you don’t drown in paperwork.

5 mins read
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Is it time to start your own financial advice practice?

Is it time to start your own financial advice practice?

So you’re an experienced adviser thinking of starting your own financial advice practice? Three advisers discuss how to tell when it's time to take the leap.

4 mins read
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The hidden cost of a cashless society

The hidden cost of a cashless society

With research showing only one in five Australians prefer to use cash, advisers need to consider the impact this cashless trend is having on clients’ finances.

5 mins read
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Options Part 2 - Options strategies

Options Part 2 - Options strategies

The second in our two part series, this video will help you explain the different types of options strategies to your clients. Start with 'Options Part 1 - What is an Option?' first if your client is new to options.

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Options Part 1 - What is an Option?

Options Part 1 - What is an Option?

The first part in our two part series on options, this animated video will help you explain how an option works to your clients in simple terms they can understand.

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Soft skills: an adviser's friend in the AI age

Soft skills: an adviser's friend in the AI age

With the artificial intelligence (AI) age upon us, we look at the soft skills financial advisers need in order to thrive in the future and how to develop them.

4 mins read
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A closer look at the 2018 IPO market

A closer look at the 2018 IPO market

It’s been an interesting start to the first half of 2018 for the IPO market, with the number of IPOs slightly down on last year. We take a closer look. 

3 mins read
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Co-working spaces: the pros and cons for financial advisers

Co-working spaces: the pros and cons for financial advisers

Small businesses are increasingly taking advantage of affordable flexible workspace options. A financial adviser shares their co-working space experience.

3 mins read
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Outsourcing admin tasks: what you need to know

Outsourcing admin tasks: what you need to know

Yes, outsourcing might free up resource but it doesn’t come without risks. Here’s five tips to make outsourcing successful for your financial advice practice.

4 mins read
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Trump's trade war: what Australian advisers need to know

Trump's trade war: what Australian advisers need to know

As Trump steps up his tariff tussle and trading partners respond, the risk of a global trade war looms. Here’s what Australian financial advisers need to know.

4 mins read
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Pension Loans Scheme: 5 things you need to know

Pension Loans Scheme: 5 things you need to know

Many retirees find themselves looking for a way to pay for expenses like aged care. From 1 July 2019, the Pension Loans Scheme (PLS) may be an option.

5 mins read
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A spotlight on the Australian property market

A spotlight on the Australian property market

With confidence in the Australian property market weakening, it’s important advisers have a thorough understanding of the environment.

3 mins read
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An exploration of technology stocks

An exploration of technology stocks

Technology stocks are in the spotlight after Apple recently broke the trillion dollar stock market valuation barrier. Here’s what Aussie investors need to know.

3 mins read
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Financial planning for NDIS recipients

Financial planning for NDIS recipients

As the NDIS rolls out, it’s bringing big changes to disability support systems. As a result, financial advisers may see more clients seeking help.

4 mins read
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The falling Australian dollar explained

The falling Australian dollar explained

The Australian dollar has fallen from 81 US cents at the start of 2018 to below 72 US cents. We take a look at what’s driving the AUD and who stands to benefit.

4 mins read
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The art of giving effective employee feedback

The art of giving effective employee feedback

Employee feedback is crucial to improving performance. Yet, if delivered poorly it can cause more problems than it solves. Here are seven tips to get it right.

4 mins read
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How many hours a day should a financial adviser work?

How many hours a day should a financial adviser work?

Do you or your staff really need to work a traditional eight-hour day? Or could you be more productive with less?

4 mins read
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7 tips for maximising the value of your business

7 tips for maximising the value of your business

For financial advisers moving towards retirement, there are several important steps to ensure you get maximum value for your practice when exiting the business.

5 mins read
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Not old yet: how a financial planner can fight ageism

Not old yet: how financial planners can fight ageism

In an industry that prizes youthful energy, having clocked up a few years can often be a real drawback.

4 mins read
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Which financial advice fees are tax deductible?

Which financial advice fees are tax deductible?

One of the biggest challenges is working out which financial advice fees are tax deductible. Here we break down the relevant principles.

4 mins read
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Collaboration tools: a guide to better knowledge sharing

Collaboration tools: a guide to better knowledge sharing

With the benefits of knowledge sharing in the workplace well-documented and collaboration tools now quite sophisticated, is it time to review your practices?

4 mins read
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New catch-up super contribution rules – what you need to know

New catch-up super contribution rules – what you need to know

From 1 July 2018, new catch-up super contribution rules represent an invaluable opportunity for eligible low balance clients to get more money into their super.

4 mins read
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How to find the best financial services talent

How to find the best financial services talent

Gone are the days when recruiting quality finance staff simply involved slapping a job ad on SEEK. Here’s some tips for finding top financial services talent.

4 mins read
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How to best manage introverted employees

How to best manage introverted employees

Do you have quiet, shy individuals in your team? Here’s some tips to successfully manage introverted employees and maximise their strengths.

5 mins read
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ASIC regulatory guide changes: Are you up to date?

ASIC regulatory guide changes: Are you up to date?

In the past year, ASIC has issued a regulatory guide update. Here’s an easy explanation of the changes to make sure you’re up to speed and compliant.

4 mins read
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How to build stronger client relationships using CRM

How to build stronger client relationships using CRM

Here’s how CRM can help build strong client relationships with today’s tech-empowered customers, for whom old relationship building processes may not be enough.

3 mins read
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5 secrets of a profitable financial advice practice

5 secrets of a profitable financial advice practice

Research shows there’s five key factors behind a profitable financial advice practice. Here’s a roundup of the profit drivers and how to implement them.

5 mins read
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Overcoming the trap of 'mental accounting'

Overcoming the trap of 'mental accounting'

We all have a tendency to use conceptual money jars as an easy way to manage our financial lives, but ‘mental accounting’ can lead to poor financial outcomes.

4 mins read
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How financial planners can detect elder financial abuse

How financial planners can detect elder financial abuse

Instances of financial abuse of the elderly are on the rise. So how can you tell if your client is a victim, and what should you do if they are?

3 mins read
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So, you want to give a child financial help?

So, you want to give a child financial help?

There are pros and cons for parents who want to give their children financial help, whether it be for a first home or business venture. Here’s what to consider.

5 mins read
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How to help the client who's left it all a little late

How to help the client who's left it all a little late

Every financial adviser has seen a client who’s left it late. But all is not lost. There are steps you can take to ensure their retirement years are golden.

5 mins read
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6 ways an SMSF attracts the ATO's attention

6 ways an SMSF attracts the ATO's attention

The ATO has highlighted a number of SMSF trustee activities it is concerned about. If your super is in a self-managed fund, here's what you need to know.

5 mins read
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Want younger clients? Help them with ETFs

Want younger clients? Help them with ETFs

People aged 21-35 are investing more and more into ETFs. Financial advisers can be a part of this trend, and demonstrate their value to younger clients.

3 mins read
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What financial advisers need to know about workplace complaints

What financial advisers need to know about workplace complaints

Regardless of the size of your business, you have a duty of care to employees and visitors. Here’s a guide to workplace complaints for financial advisers.

3 mins read
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Financial Year Wrap

Financial Year Wrap

Total returns on Australian shares (All Ordinaries Accumulation index) lifted by 13.7% over 2017/18 to a smidgen below record highs. 

1 min read
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What to do when a client has a personal financial crisis

What to do when a client has a personal financial crisis

Being able to steer a client through a personal financial crisis with their long-term plan intact can be a real test for any financial adviser. Here's one psychologist’s guide to success

3 mins read
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5 ways to overcome the planning fallacy

5 ways to overcome the planning fallacy

Research shows the unrealistic workloads most of us face are often because of a cognitive bias called the ‘planning fallacy’. Here’s how to improve your time management.

4 mins read
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Frankly speaking, dividends will continue to deliver

Frankly speaking, dividends will continue to deliver

Recent developments may make you worried, but while franking credits are great, even without them the dividend income from shares has plenty to offer.

3 mins read
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How financial advisers can optimise their websites

How financial advisers can optimise their websites

Everyone who visits your website is a potential client. Here’s how to snare their details and optimise your design so you convert them.

4 mins read
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These financial advisers get their business through social media

These financial advisers get their business through social media

Clients are listening differently in 2018. One financial adviser now gets 70% of their business from Facebook. Another coordinates a whole team across LinkedIn. 

4 mins read
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Elevator pitch: craft yours in 5 points

Elevator pitch: craft yours in 5 points

A succinct and focused elevator pitch can help you win clients or impress a potential employer. Adapt this 5-point approach for your style and situation.

3 mins read
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First Home Super Saver Scheme: A financial adviser's guide

First Home Super Saver Scheme: A financial adviser's guide

Buying a first home is never easy, but from July 2018, Australians can use the lower tax environment of the super system to save some of their deposit.

5 mins read
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What to expect (financially) when you're expecting a child pt. 2

What to expect (financially) when you're expecting a child pt. 2

This article will help you prepare to meet the costs associated with welcoming a new baby to the world. For part one, click here

5 mins read
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What NOT to expect from the 2018 budget

What NOT to expect from the 2018 budget

Treasurer Scott Morrison has made it very clear he will not be delivering “Christmas in May” this Federal Budget. So here's what's off the gift list. 

3 mins read
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How advisers can identify and approach a faltering client relationship

How advisers can identify and approach a faltering client relationship

There can be tell-tale signs that you're on the rocks with a client. We identify warning signs and provide a guide to rescuing a client relationship.

4 mins read
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3 financial advice dramas, and how to wake up from them

3 financial advice dramas, and how to wake up from them

Every now and then financial advisers are faced with particularly hard client situations. Here's how three advisers tried to turn these situations around.

5 mins read
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What to expect (financially) when you're expecting

What to expect (financially) when you're expecting

Welcoming a baby is one of life's great joys. It's also a time of great uncertainty. We outline what to expect, financially, when you're expecting.

5 mins read
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What clients should know before downsizing into a granny flat

What clients should know before downsizing into a granny flat

Downsizing into a granny flat out the back of a family member's home might seem like a straightforward move, but clients may not be aware of how social security and tax laws can clash under the arrangement.

4 mins read
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How compound interest works

How compound interest works

Einstein said compound interest was the greatest invention in human history, but it doesn’t take a genius to make the most of it. Learn how it can help you.

3 mins read
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What advisers need to know about AFCA, the new complaints body

What advisers need to know about AFCA, the new complaints body

Australian Financial Complaints Authority (AFCA) will act as a one-stop shop to deal with complaints across most areas of the financial services industry. Here's what you need to know.

4 mins read
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Tips for setting and spending your annual marketing budget

Tips for setting and spending your annual marketing budget

Asking 'how much should my business spend on marketing' can be like asking 'how long is a piece of string'. Here we untangle the mystery.

4 mins read
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For new clients who actually need a financial counsellor

For new clients who actually need a financial counsellor

Struggling to pay the mortgage or your bills, or facing bankruptcy? You can reach out to free, independent and confidential financial counselling services.

4 mins read
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It's time to consider investing in Aussie insurtech

It's time to consider investing in Aussie insurtech

Government incentives and a new industry body are putting insurtechs on the map in Australia, here’s what you need to know.

4 mins read
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5 tips for downsizing your house and upsizing your super

5 tips for downsizing your house and upsizing your super

Should you take advantage of the new rules to downsize your home and contribute the extra money to super? We weigh the pros and cons, and offer 5 tips.

5 mins read
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Want to improve your productivity? Find your flow

Want to improve your productivity? Find your flow

Forget time management, what you need to thrive in today's world is attention management. Learn about "flow", and how it could benefit you.

4 mins read
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5 ways to use insurance bonds

5 ways to use insurance bonds

Tighter contribution limits for super have made insurance bonds an appealing alternative for long-term savings. But they are more than a one-trick pony.

4 mins read
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What slow wage growth means for financial advisers

What slow wage growth means for financial advisers

Australia’s slow wage growth has become a focus of national debate. At a macro level it stymies income growth, but for individuals it has a real impact on investment decisions. That’s where advisers have a key role to play.

4 mins read
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What is an Investment Loan?

What is an Investment Loan?

We've created this short animated video to help you explain to your clients how an Investment Loan works, and the benefits and risks associated.

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How to prepare for the new industry education standards

How to prepare for the new industry education standards

Here's a break down of what we know so far about the FASEA reforms and how you can start preparing. Also, because they’re still being shaped, you still have time to provide input.

4 mins read
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5 tips for a financial adviser handling a handover

5 tips for a financial adviser handling a handover

Whether you're buying a book from a retiring adviser, or your boss is retiring and it's time to step up – how you manage the handover of clients is critical.

3 mins read
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4 big challenges facing advisers in 2018

4 big challenges facing advisers in 2018

As we edge further into the New Year, what weighs most heavily on the minds of financial advisers? To find out, we asked our readers.

4 mins read
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This is why you should consider using Conditional Orders

This is why you should consider using Conditional Orders

Finding it hard to stay on top of all of your clients' investment strategies? Conditional Orders might just be the answer you've been looking for.

4 mins read
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Here is why you should take on pro bono work

Here is why you should take on pro bono work

Sure, you run a business not a charity. But are there ever situations where it’s suitable to offer your services pro bono?

3 mins read
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5 unorthodox steps to attract new clients

5 unorthodox steps to attract new clients

Attracting new clients can be an expensive grind. But one unorthodox five-step method helped a former financial adviser grow his active audience to 1400 people – and it didn't cost a dime in advertising.

4 mins read
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How to lose a client graciously (so they might come back)

How to lose a client graciously (so they might come back)

Losing clients is inevitable, even for the very best of advisers. Here's how to take the bad news graciously and boost your chances of scoring future business.

4 mins read
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Are there benefits in margin lending?

Are there benefits in margin lending?

After a time in the wilderness, margin lending is gaining popularity, thanks to steadily rising share prices and some of the most competitive interest rates in more than a decade.

3 mins read
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Is objectives-based investing a fad or the future?

Is objectives-based investing a fad or the future?

Objectives-based investing isn't just a buzzword; it's an approach to financial advice that helps you focus on what the client actually wants.

4 mins read
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5 ways to tidy up your financial affairs today

5 ways to tidy up your financial affairs today

Life is more fragile than we like to admit, so it’s important to make sure key documents keep up. Here is some advice on how to tidy up your financial affairs.

4 mins read
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How to provide financial advice for millennials

How to provide financial advice for millennials

There's a lot of myths surrounding millennials and money. But not only do they want to be responsible with it, they often seek professional advice.

4 mins read
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Block out the hype: five ways to grow your wealth in 2018

Block out the hype: five ways to grow your wealth in 2018

The winds of financial change howled through 2017. But the consensus for growing your wealth in 2018 is clear: don't get blown away by hype.

 
5 mins read
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How will the government's childcare changes affect your family?

How will the government's childcare changes affect your family?

Managing work, kids and childcare is a real juggling act. Soon you'll have another factor to consider: the government's new childcare reform package.

4 mins read
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Mortgage vs super: where to stash your cash

Mortgage vs super: where to stash your cash

It’s the perennial question. You’ve got some spare income at the end of each month and you want to make the most of it. So where do you put it – in your mortgage or super?

4 mins read
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What stocks are IFAs trading for their clients?

What stocks are IFAs trading for their clients?

Financial advisers are increasingly looking outside of financial stocks when it comes to buying shares on behalf of their clients, new data reveals.

3 mins read
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2018 Economy Webinar Recording

2018 Economy Webinar Recording

2018 Economy - A new era?

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10 questions to ask yourself before retirement

10 questions to ask yourself before retirement

For many people, what they expect from their senior years, won’t be what they get. We're living longer and doing more – and we need to plan on paying for it.

4 mins read
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AI can now give in-depth financial advice via live chat

AI can now give in-depth financial advice via live chat

Financial advice powered by AI will shake up the industry, but planners can get on the front foot and use it to offer better advice to their clients.

4 mins read
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CommSec Adviser Services 2017 Christmas Message

CommSec Adviser Services 2017 Christmas Message

CommSec Adviser Services 2017 Christmas Message

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What's the employee benefit workers really want? Flexibility

What's the employee benefit workers really want? Flexibility

Eye-catching employee benefits like in-house chefs, massage therapists, gyms and games rooms aren’t exactly on the out. But employees are increasingly drawn to organisations offering the less flamboyant, but highly desirable option of flexibility.

3 mins read
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Ethical investing is bigger than ever – here's what you need to know

Ethical investing is bigger than ever – here's what you need to know

Research reveals that one in two Australian investors expect their adviser to be knowledgeable about ethical and responsible investing and to invest in products that align with their values. And Millennials are leading the charge.

3 mins read
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Are you prepared for the new SMSF reporting requirements?

Are you prepared for the new SMSF reporting requirements?

With the new TBAR regime helping the ATO track and record SMSF balances and transfers, anyone managing an SMSF needs to be prepared.

3 mins read
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What you need to do for data breaches

What you need to do for data breaches

Notifying clients at real risk of serious harm following a data breach is becoming mandatory, and must be handled with care to keep the relationship intact. Here’s how to do it.

4 mins read
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How to gauge your client's appetite for investment risk

How to gauge your client's appetite for investment risk

Traditional approaches to assessing a client’s investment risk tolerance may be doing both investor and adviser a disservice. But there is a better way.

4 mins read
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Five ways to avoid burnout

Five ways to avoid burnout

The demands of looking after clients, of running your own business and still having a home life can overwhelm financial advisers. Psychologist and CEO of Uprise Jay Spence offers five ways to avoid burnout.

3 mins read
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Tricks of the trade: calculating a portfolio for over 60s

Tricks of the trade: calculating a portfolio for over 60s

People are living longer, healthier and more active lives. Retirement planning needs to reflect this new reality.

3 mins read
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What needs to be done to close the financial advice gender gap?

What needs to be done to close the financial advice gender gap?

While women now outnumber men in the financial and insurance industry on the whole, there's still a dearth of women in the financial advice sector. One adviser's 11-year career may hold a clue as to why.

4 mins read
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Don't just anticipate digital change: Drive it

Don't just anticipate digital change: Drive it

An award-winning scientist has a message for advisers: meet new technologies head on and take control.

3 mins read
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What's ahead for emerging markets?

What's ahead for emerging markets?

Emerging markets are living up to their reputation for uncertainty with the latest rebound providing some excitement after a few years of the doldrums.

3 mins read
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Can LICs provide good value?

Can LICs provide good value?

Listed Investment Companies, or LICs, have shaken off their cardigan-wearing image to become one of hottest market sectors, leading some people to question whether the recent surge in listings is sustainable.

3 mins read
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SMSFs and estate planning: tips and traps

SMSFs and estate planning: tips and traps

Your SMSF may be set up for your family’s benefit, but it can become the focus of bitter dispute when you die. Here are some tips and traps of SMSF and estate planning.

3 mins read
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New opportunities in SMSF sector

New opportunities in SMSF sector

Take a closer look at the self-managed superannuation fund market and you might be surprised.

3 mins read
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What's the outlook for A-REITs as interest rates rise?

What's the outlook for A-REITs as interest rates rise?

Rates might be on the way up but that’s no reason to write off listed property investments just yet.

4 mins read
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Surfing the crowdsourcing wave

Surfing the crowdsourcing wave

Fancy getting your clients in as ground-floor investors in the next Google or Apple? The start of Australia’s new crowdsourced funding regime on 28 September 2017 may mean that idea is no longer a dream.

3 mins read
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Getting SMSF clients ready for CGT relief

Getting SMSF clients ready for CGT relief

With measures available for SMSFs to provide temporary relief from certain capital gains that come about because of the new transfer balance cap, we look at some of the important issues facing SMSFs.

3 mins read
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How impact investing brings good returns

How impact investing brings good returns

Investing in a good cause can deliver both financial and social returns.

4 mins read
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How to promote a mentally healthy workplace

How to promote a mentally healthy workplace

The financial services sector has Australia's highest rate of mental health and anxiety conditions. Here's how you can help promote a healthy workplace.

3 mins read
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How to identify financial abuse

How to identify financial abuse

It’s said that money is power. So, when someone uses money to gain control over their partner that’s financial abuse, and it’s considered domestic violence.

3 mins read
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When your business model needs a revamp

When your business model needs a revamp

If you’re doing the same thing you’ve always done, even if you’re doing it better than ever, you’re effectively standing still while the world around you is changing, according to an expert. Rapidly.

4 mins read
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Have your say on financial system matters

Have your say on financial system matters

Financial advisers have an opportunity to put their views on the financial system inquiries underway.

2 mins read
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What does it take to win Gen X and Gen Y clients?

What does it take to win Gen X and Gen Y clients?

Your reception area might not boast a well-stocked bar like one award-winning financial advice firm, but there are plenty of other ways you can appeal to Gen X and Y clients.

3 mins read
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How to become board-ready

How to become board-ready

Joining the board of a community or commercial organisation can extend your skills and build your networks, by creating relationships outside your usual personal and business circles. So, what does it take to become board-ready?

3 mins read
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How can you give your clients more value?

How can you give your clients more value?

You can broaden your business horizons by providing extra value to your clients.

3 mins read
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Are your employees on your wavelength?

Are your employees on your wavelength?

You've got drive, you've got vision, but can the same be said of your employees?

3 mins read
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Tips to help your pitches hit home

Tips to help your pitches hit home

There’s both an art and a science to pitching for new business and it’s not always easy to crack the code.

4 mins read
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Why employing people with disability is great for your business

Why employing people with disability is great for your business

Looking to recruit? Here's how hiring a person with disability can aid your business.

3 mins read
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Why it's never too early to plan to sell your business

Why it's never too early to plan to sell your business

Mapping out the life cycle of your business could be the best thing you’ve ever done.

4 mins read
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What the TRIS changes on SMSFs might mean for you

What the TRIS changes on SMSFs might mean for you

Find out what SMSF trustees need to know about transition to retirement income stream changes ahead of 1 July 2017, in particular the removal of the tax exemption.

4 mins read
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Answers or inspiration? How to get more from your mentor

Answers or inspiration? How to get more from your mentor

Mentors have plenty of wisdom to share but if you’re just looking for advice, you’re missing the real benefit of the relationship, warns one long-time mentor.

3 mins read
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Is life insurance in super still worth it?

Is life insurance in super still worth it?

Changes to super in 2017 means that it’s time to check whether you should be buying  life insurance through your super account or not.

3 mins read
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Looking ahead: the new financial year

Looking ahead: the new financial year

Donald Trump, Brexit, and an unexpectedly tight Australian election took the markets by surprise in 2016/17, yet resilience reigned. Can we expect the same this financial year?

3 mins read
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End of Year Wrap 2018

End of Year Wrap 2018

Prospects for the Australian economy remain good. The Reserve Bank recently said that GDP growth would be around 3½ per cent on average in 2018 and 2019. And we wouldn’t greatly disagree with the forecasts.

1 min read
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What's the state of the commercial property market?

What's the state of the commercial property market?

Everyone's talking about the residential property market, but what's happening in the commercial sector?

2 mins read
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6 ways to help your SMSF client

6 ways to help your SMSF client

SMSF trustees, struggling with their legal obligations and investment strategies, can use a hand.

3 mins read
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How to get a head start on the new tax year

How to get a head start on the new tax year

There's no better time to get the jump on the next financial year than now. Here are three early-bird tax tips to get your year off to a good start.

4 mins read
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Do I need a family trust?

Do I need a family trust?

They’re not only for the rich and famous. Family trusts are an efficient investment vehicle.

4 mins read
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How do Exchange Traded Bonds work?

How do Exchange Traded Bonds work?

If you’re looking to boost the fixed income part of your portfolio, exchange traded bonds may provide an easier and more transparent solution.

4 mins read
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Anti-detriment payments soon a thing of the past: superannuation changes

Anti-detriment payments soon a thing of the past: superannuation changes

What are anti-detriment payments and how have they worked?

2 mins read
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Rates: how low can they go and for how long?

Rates: how low can they go and for how long?

The days of the record-low cash rate are numbered but what does a rise mean for investors?

3 mins read
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Three tax tips to consider before 30 June

Three tax tips to consider before 30 June

With the end of the financial year less than a month away, here are three tax tips to help get your investments in order.

4 mins read
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Getting to know your clients in five easy steps

Getting to know your clients in five easy steps

Online surveys seem to pop up on your screen daily for good reason: they can be powerful pieces of customer intel when done right.

4 mins read
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Four ways to make the most out of community sponsorships

Four ways to make the most out of community sponsorships

Whether it's an ad hoc donation following an approach from a community group, or part of a sponsorships program you run, here are the four best ways to get bang for your buck.

3 mins read
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How to handle an unfair dismissal claim

How to handle an unfair dismissal claim

Received an unfair dismissal claim? Even if you believe you've done nothing wrong, it's worth considering the pros and cons of settling versus contesting the claim.

5 mins read
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How to coach for performance improvement

How to coach for performance improvement

Solving the problem of an underperforming staff member takes time, courage and patience. But you owe it to your business to roll your sleeves and get on with it. This is part one of a three part series.

5 mins read
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When performance management fails – what's next?

When performance management fails – what's next?

When your best efforts to manage a staff member’s poor performance have failed, the next step for some is to consider ending the employment relationship. So, what’s the best way to handle this process in a fair and respectful way? (Part two of our series on managing underperforming employees)

4 mins read
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Why an SMSF adviser might save you time and money

Why an SMSF adviser might save you time and money

They might be called self-managed super funds, but that doesn't mean you can't get some helpful financial advice from time to time.

4 mins read
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How safe is your workplace?

How safe is your workplace?

Financial planning businesses may not be considered high risk when it comes to workplace health and safety but if your employees suffer illness or injury at work, the consequences can be severe for everyone.

4 mins read
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A guide to giving: philanthropic strategies

A guide to giving: philanthropic strategies

Sharing your wealth to help others overcome disadvantage or to support worthy causes might mean digging your hand in your pocket on the street, participating in a charity auction or giving a regular amount by automatic deduction.

4 mins read
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Federal Budget 2018/2019

Federal Budget 2018/2019

Each budget has a theme. Last year the theme of the budget was “Making the right choices”. This year, and with the finances in far better shape, the government is looking to invest in the future. The theme is “Plan for a stronger economy”. But the sub-theme is 23.9: the aim to keep tax receipts below 23.9 per cent of GDP.

1 min read
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5 ways to do business with Gen Y

5 ways to do business with Gen Y

They want everything tailored. They want it hassle-free. They're entrepreneurs at heart. And they know they should be managing their money better. We're talking Gen Y, of course.

4 mins read
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Is there a better way to charge?

Is there a better way to charge?

The fee model you choose sends clients a message about you and your business, so it's important to educate them about why you've chosen a particular structure.

3 mins read
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How do managed accounts compare?

How do managed accounts compare?

Managed accounts offer a portfolio of investments with professional investment management that can be tailored for each client. 

3 mins read
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5 ways to speed up an SOA

5 ways to speed up an SOA

In six hours you can meet with up to a dozen new clients, write several social media posts, or even give yourself some much-needed downtime. So why are you using all that time to produce a simple Statement of Advice?

4 mins read
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Dealer group acquisition: How to drive post-acquisition simplification

Dealer Group Acquisition: How to drive post-acquisition simplification

Acquisition is a great way to fuel growth. But it brings with it an underbelly of risk if you don't strike the right balance between standardisation and flexibility.

3 mins read
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The dos and don'ts of investment property expenses and depreciation

The dos and don'ts of investment property expenses and depreciation

The way you manage your investment property can make or break your returns.

5 mins read
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What are international investors interested in?

What are international investors interested in?

Australians are flocking to investments that deliver international exposure, and for good reason. Australian equities have been moving sideways, property is looking expensive and a multi-year bull market in fixed interest could be about to turn.

3 mins read
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Get set for the 1 July super changes

Get set for the 1 July super changes

The biggest changes to super rules in 10 years will come into effect on 1 July 2017, affecting everything from contributions to tax. 

5 mins read
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Six Dos and Don'ts when setting up a client's SMSF

Six Dos and Don'ts when setting up a client's SMSF

'Self-managed' super funds by name, not entirely so by nature. Here's what you can do as an adviser to help your clients avoid SMSF pitfalls.

4 mins read
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More time, more control with model portfolios

More time, more control with model portfolios

One of the biggest challenges facing advisers is how to deliver tailored advice to a large client base in a cost-effective way. Model portfolios are designed to do just that, by cutting the time you spend on administration so you can spend more time servicing your clients.

4 mins read
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Technical analysis: the case for and against

Technical analysis: the case for and against

Is charting, otherwise known as technical analysis, an art or a science?

5 mins read
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Recruitment: testing for the polar opposites

Recruitment: testing for the polar opposites

A big challenge when recruiting financial advisers is to identify candidates with the right mix of technical and communication skills.

3 mins read
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Benchmarking your business against the best, and the rest

Benchmarking your business against the best, and the rest

Is your business a high achiever, a mid-pack reveller or at risk of carrying the wooden spoon? Unless you benchmark your business you just don't know.

4 mins read
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Three types of professional development you probably haven't thought of

Three types of professional development you probably haven't thought of

Professional development for financial advisers is usually about technical, product and business matters. But there are other, more general areas of expertise and knowledge that go into making a well-rounded professional.

3 mins read
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What is an IPO?

What is an IPO?

Your clients may be unsure of what an Initial Public Offering (IPO) is and the different types of IPOs available - so, to help you explain this, we have created an animated video you can share with them. It provides a definition of an IPO, explains the different types of IPOs and their features.

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Cash flow management

Cash flow management

Good cash flow management is a powerful ingredient in the recipe for financial success. We have created an animated video you can share with your clients to help you explain the principles of good cash flow and the important role you can play in helping them achieve their financial goals.

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Selling your book: a guide to when and how

Selling your book: a guide to when and how

Lost your mojo? Facing personal issues? Received a great offer? It might be time to sell your book.

5 mins read
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How staff and client alignment can be music to the ears

How staff and client alignment can be music to the ears

Fifteen years ago Glenn Calder was teaching music to teenagers. Now he's the CEO of a financial advisory firm that employs 50 people.

4 mins read
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Testing your online content with the A/B method

Testing your online content with the A/B method

You have a flashy website, a digital marketing strategy, an enewsletter, and you create regular social media posts. Great. But are they working?

4 mins read
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What it takes to make SMSF accountant partnerships work

What it takes to make SMSF accountant partnerships work

The door remains open for financial advisers to form referral relationships with accountants who advise SMSF clients – but such relationships shouldn’t be taken for granted.

3 mins read
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Four productivity habits that can make you more successful

Four productivity habits that can make you more successful

Financial advice firms need to keep pace with the rapid evolution of financial services in both a practical, day-to-day sense and in terms of their culture and way of thinking.

3 mins read
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What are your employees really thinking?

What are your employees really thinking?

Encouraging your employees to speak openly about their jobs, their ideas and any challenges is useful for them and makes sense for the business.

3 mins read
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August 2018 Reporting Season

August 2018 Reporting Season

CommSec has compiled a list of more than 100 companies that will be releasing earnings results during the August Reporting Season. 

4 mins read
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How the dining boom can feed investors' profiles

How the dining boom can feed investors' profiles

Here’s food for thought for investors: Australia’s ‘dining boom’ is starting to take over from what was the mining boom.

3 mins read
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Client content: The advice you need when starting or growing a business

The advice you need when starting or growing a business

So you've seen a great business opportunity and of course you want to capitalise on it quick smart. Time for a reality check.

4 mins read
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How game design principles can help you and your client achieve goals

How game design principles can help you and your client achieve goals

Whether it's beating your sibling at tennis, getting a flawless three stars on Angry Birds or triumphing in a Monopoly battle, games motivate people to succeed – and financial advisers can learn from them.

4 mins read
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How financial advisers can help close the Super gap

How financial advisers can help close the Super gap

Women are entering retirement with less than half the superannuation of their male counterparts. Here's how you can help close the gap.

4 mins read
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Small gestures that will vastly improve client satisfaction

Small gestures that will vastly improve client satisfaction

When it comes to personalising the service you offer clients, even the smallest gestures can go a long way.

 

5 mins read
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How to prepare to grow your business

How to prepare to grow your business

Before you can grow your financial advice business, you need scalable systems in place to ensure you maintain focus on your number one priority: your customer.

4 mins read
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CommSec Adviser Services 2016 Christmas Message

CommSec Adviser Services 2016 Christmas Message

CommSec Adviser Services 2016 Christmas Message

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What's set to change under President Donald Trump

What's set to change under President Donald Trump

We’re at that time of the year when all good analysts turn their minds to the year head. And from the perspective of Chief Economist at CommSec, Craig James, three words will sum up 2017 – President Donald Trump. At present, all the signs suggest that the economic environment under the US President-elect will be quite different.

3 mins read
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Tailoring the perfect client plan: what we can learn from the US

Tailoring the perfect client plan: what we can learn from the US

Baseball, supersized fast food and peanut butter-jelly sandwiches – there's no shortage of US creations that we Aussies haven’t embraced. But when it comes to crafting goals-based investment plans, we could learn a thing or two.

4 mins read
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Five blogs and podcasts specifically for advisers

Five blogs and podcasts specifically for advisers

Blogs and podcasts – neither word existed 20 years ago, now they've both taken the world by storm. Here we look at a mix. 

3 mins read
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What to consider when choosing a super fund

What to consider when choosing a super fund

Choosing a super fund is just like dating, warns ASIC, pick correctly and you'll enjoy a blissful retirement. Match up with the wrong fund and you're in for a world of pain.

4 mins read
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Five tips from an award-winning financial adviser

Five tips from an award-winning financial adviser

Awards are nice. Results are better. Fortunately the two go hand-in-hand, so here's how to nail the latter and scoop the former.

5 mins read
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How design thinking can help you outrun the Fintech pack

How design thinking can help you outrun the Fintech pack

Think 'design thinking' is just another gimmick? Think again. CBA’s innovation specialist discusses how design thinking can help your financial services firm outrun the Fintech pack.

5 mins read
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Marriage equality – be ready for change

Marriage equality – be ready for change

The plebiscite may have been voted down in the senate, but this certainly doesn’t mean the topic of marriage equality is off the table. The day maysoon come when same sex couples have the right to marry, and the wedding day of countless couples will serve as an important reminder to visit a financial adviser. 

3 mins read
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Financial decisions you need to make before saying "I do"

Financial decisions you need to make before saying "I do"

The guest list, the flower arrangements, the dress: while these may seem to be important decisions leading up to your big day, one often overlooked consideration is how you and your loved one will merge your finances.

5 mins read
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Why the world needs more female financial advisers

Why the world needs more female financial advisers

A woman goes to buy a car. The salesman asks: “When is your husband coming in?” The woman is Executive General Manager of Colonial First State, Linda Elkins. Recalling the incident, Elkins says it highlights societal assumptions about a woman's role in financial decision-making.

 

4 mins read
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Differences in the way men and women invest

Differences in the way men and women invest

When it comes to investing, most people want the same thing – to make decisions that will set them up for a comfortable lifestyle before and during retirement. But it turns out there can be a world of difference in the way men and women make investment decisions. 

5 mins read
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Tackling the billion dollar threat to Australian businesses

Tackling the billion dollar threat to Australian businesses

Cyber crime costs Australians over one billion dollars each year, which is why it’s not surprising that when the Federal Government’s National Innovation and Science Agenda was announced, the scheme included a multi-million dollar cyber security centre. We look at why the government has made cyber security a priority and why small businesses should sit up and take notice. 

4 mins read
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Agricultural technology – new opportunities for clients

Agricultural technology – new opportunities for clients

The people who put food on our plates are often under-appreciated. And the same goes for the industry they represent.
 

3 mins read
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Behavioural science: how to guide your client's MINDSPACE

Behavioural science: how to guide your client's MINDSPACE

To achieve successful financial outcomes, financial advisers often need to help their clients change or learn new behaviours.

3 mins read
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Impact of surprise Trump win

Impact of surprise Trump win

CommSec Chief Economist Craig James provides insights into the potential impact of Donald Trump’s surprise win on the Australian economy.

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No excuses – keeping both you and your business healthy

No excuses – keeping both you and your business healthy

Helping clients to establish goals and a clear plan to achieve them is all in a day's work for advisers. But are you putting these skills to good use when it comes to your own health, and in turn, the health of your business? While you may not think an active lifestyle and business success are closely related, they certainly are – regular exercise helps keep your mind focused and fresh. Don’t let your health become an added stress, here’s how to fit health into your busy schedule. 

5 mins read
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What the new professional standards body means for you

What the new professional standards body means for you

The new professional standards requirements will see the financial advice industry put to the test, resulting in a boost in public trust in financial advice businesses.


 

3 mins read
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Process innovation: four technologies you should consider adopting

Process innovation: four technologies you should consider adopting

Struggling to keep up with the ever-changing nature of the industry and offset increasingly-competitive fees? Help could be just a few keystrokes away.
 

3 mins read
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What the budget means for your client's super strategies

What the budget means for your client's super strategies

Retirement planning just became a little more complex after the government’s superannuation shake-up in the May budget. 

3 mins read
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How to create effective employee performance plans

How to create effective employee performance plans

If you want your business to be a well-oiled, high-performing machine, you need to have structures in place to ensure your key drivers, primarily your employees, are working effectively.

4 mins read
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Your dual role as a life coach and financial adviser

Your dual role as a life coach and financial adviser

The single greatest value proposition you can offer as a financial adviser isn’t a diversified investment portfolio, it’s your ability to act as their lifestyle coach. 

4 mins read
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What changes to the Social Security Assets Test mean for clients

What changes to the Social Security Assets Test mean for clients

As of 1 January 2017, changes will come into effect that will impact hundreds of thousands of pensioners, many of whom are your clients. To ensure you're able to assist your clients during this transition, here's a breakdown of the changes and the impact they will have.

3 mins read
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How one broker turned the loss of a client into massive gains

How one broker turned the loss of a client into massive gains

With the lines between the financial advice industry and mortgage broking continuing to blur, not providing a full financial service offering to your clients could leave them ripe for the picking by rival firms.

4 mins read
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Mind your manners

Mind your manners

Your emails tell recipients a lot more about you than you realise. Here’s how to manage your profile.

2 mins read
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Australia and the Trump effect

Australia and the Trump effect

After months of speculation and hand-wringing about the impact of a Donald Trump victory in the US presidential election, the economic outcome is likely to be both more complex, and hopefully less extreme, than the pre-poll argy-bargy suggested. 

3 mins read
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What a Clinton victory would mean for Australia

What a Clinton victory would mean for Australia

When the news came through on Monday that the FBI had once again cleared US presidential candidate Hillary Clinton of any wrongdoing related to using a private email server, the Australian market soared. So what would be the effect for Australia if she wins the presidency this week?

3 mins read
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Helping clients to make a worthy investment

Helping clients to make a worthy investment

Australians are increasingly concerned that their money supports the ‘right’ kinds of businesses. We outline the strategies you can use to identify investments that are personally rewarding and profitable for clients.

4 mins read
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Learn from the best – cut costs to fuel growth

Learn from the best – cut costs to fuel growth

Cut and grow. It sounds like an oxymoron, but businesses that successfully connect their cost-cutting efforts with a sharp focus on future sources of growth will be best-placed to ride the wave of digital disruption in a low-growth world.

4 mins read
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How to exceed your client's expectations

How to exceed your client's expectations

Driven by new technology and changes in the economy, the environment that advisers operate in is evolving and so too are the expectations of clients. Better informed and more engaged with their finances than ever before, National Strategic Accounts Manager for CommSec Adviser Services, Chris Hill identifies five ways to exceed your client's expectations.  

4 mins read
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How often should you be speaking with your clients?

How often should you be speaking with your clients?

When it comes to deciding how often to touch base with clients, financial advisers need to find their ‘Goldilocks’ communication level – not too much or too little, but just enough to inspire confidence in the value of their advice.

3 mins read
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How to build trust with your clients

How to build trust with your clients

Advisers are in the business of looking after customers, so great customer service and relationship building are fundamental to commercial success.

3 mins read
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Client content: Questions you should ask

Client content: Questions you should ask

Choosing a financial adviser is a little like choosing a new pair of shoes.

While shiny good looks can initially impress, what you’re really looking for is a genuine partnership; a confidence they’re going to give you all the right support, in all the right places, as you start walking the path to financial freedom.

But how do you make sure your prospective adviser is the right fit for you? While good old gut instinct is important, make an informed choice by asking your own questions. Here are seven to get you started.

3 mins read
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Client content: How to duck investment scams

Client content: How to duck investment scams

In the first seven months of 2015, over $45 million had been scammed from people in Australia. Here’s what you need to know to ensure you recognise and avoid investment scams – and how your adviser can help if you’re even remotely unsure.

4 mins read
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Five steps to business goal success

Five steps to business goal success

If you find the business goals you set often go the same way as your new year’s resolutions, fear not. We’ve got five tips to help ensure your next set of business goals last the course.

3 mins read
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6 ways to make sure the first impression counts

6 ways to make sure the first impression counts

It’s a cliché, granted, but you only get one chance to make a first impression. Here are six tips to ensure potential clients leave that very first meeting confident in the value you’ll bring to an ongoing relationship.

3 mins read
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Using Social Media

Using Social Media

While you may already have a LinkedIn profile, are you truly getting the most out of it?

In the first of a series of social media ‘how-to’ articles, we discuss how to use LinkedIn to promote your practice, and engage with potential and current clients.

3 mins read
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The changing role of a financial adviser

The changing role of a financial adviser

The world of financial advice is changing apace and sometimes keeping up can be a job in itself.

In the first of a series of articles, we explore the broad landscape of forces driving change in the sector, and over the next few weeks will delve deep to discover how you can use these changes to your advantage.

3 mins read
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Ethical standards: the power of one

Ethical standards: the power of one

It goes without saying that public confidence and trust in the advisory space has been somewhat shaken over recent times. This has, however, presented a huge opportunity to rebuild the profession, inside and out. And we all have a role to play.

2 mins read
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Getting your clients - and potential clients - to "like" you

Getting your clients - and potential clients - to "like" you

If the thought of using Facebook to engage with clients sends shivers down your spine – fear not. Using Facebook for business purposes is very different to using it to engage with family and friends.

4 mins read
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How technology disrupters can help you rethink your business

How technology disrupters can help you rethink your business

The days when anything to do with technology was the responsibility of the IT department are long gone. If you’re not up to speed with technological innovations, you may well find your business being left behind as the technology disrupters move in.

2 mins read
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Economic Update with Savanth Sebastian

Economic Update with Savanth Sebastian

This CommSec Adviser Services webinar aims to provide you with an in-depth overview and analysis of current economic trends in the Australian and global economies. The webinar is presented by Savanth Sebastian, Market Analyst at CommSec.

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How to find out what your clients really think

How to find out what your clients really think

While the mantra “what I don’t know can’t hurt me” might work in some situations, when it comes to knowing what your clients think of you, what you don’t know definitely can hurt. Knowing if your clients are dissatisfied in any way is crucial if you have any chance of nipping trouble spots in the bud.

4 mins read
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Is lifting the accountants' exemption a threat or opportunity?

Is lifting the accountants' exemption a threat or opportunity?

You cannot be complacent about the upcoming lifting of the accountants’ exemption. Instead, you should be using the time before the exemption ends to work out how to best position your business and see this development as a strategic opportunity.

3 mins read
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Client content: Is an SMSF right for you?

Client content: Is an SMSF right for you?

At some point, your clients are likely to ask whether you think it makes sense for them to have a self-managed super fund (SMSF). So what do you tell them?

4 mins read
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Understanding the Enhanced AML Obligations

Understanding the Enhanced AML Obligations

This CommSec Adviser Services webinar aims to help you learn the key legislative changes to the Anti-Money Laundering and Counter-Terrorism Financing Act, and to understand the new obligations impacting the way you establish a new account with us.

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Five tips on forming strong referral partnerships

Five tips on forming strong referral partnerships

Being able to seal the deal with a referral partner is an art and a valuable asset.

4 mins read
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How to get personal with your clients

How to get personal with your clients

We’ve all experienced that moment of panic when you’re struggling to remember someone’s name. But when it’s a key part of your job, you can’t afford to skim over the details, you need to make sure you know your Jims from your Joes.

4 mins read
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Robo-advice: why humans have the upper hand

Robo-advice: why humans have the upper hand

While many fear the rise of robo-advice, industry experts see the positives and say it can’t compete with the insight and understanding a financial adviser can offer

4 mins read
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Are you at a point in your business where you could benefit from mentoring?

Are you at a point in your business where you could benefit from mentoring?

Seeking out a mentor and working together can have huge benefits for your business and for you personally.

3 mins read
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Client content: Investment opportunities once the mortgage has been paid

Client content: Investment opportunities once the mortgage has been paid

You've paid off your mortgage, probably the biggest debt you’ll ever have, but now what?

4 mins read
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Case study: Building up a successful advice business

Case study: Building up a successful advice business

What does it take to build a successful advice business? We ask John Blangiardo, who has been in the financial services industry for almost 20 years, to share what’s worked for him.

5 mins read
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The year ahead – Part Two

The year ahead – Part Two

In part two of this series, Savanth Sebastian discusses how advisers can position for growth in 2016.

2 mins read
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Client content: Property vs shares – which one's right for you?

Client content: Property vs shares – which one's right for you?

When it comes to the debate over whether property or shares make better investments, it’s not a simple case of one delivering consistently better returns than another. We look at some factors to consider before making any decisions.

5 mins read
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Stay abreast of changes in the property market

Stay abreast of changes in the property market

In order to offer sound advice, financial advisers need to understand the environments their clients are considering investing in. We look at the potential in the property market, give an overview of the recent initiatives implemented by ASIC to curb investor lending, and explore SMSF-specific opportunities.

4 mins read
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Improve the chance of your Facebook posts being seen

Improve the chance of your Facebook posts being seen

With 93 per cent of Australian social media users more active on Facebook than any other platform, Facebook appears to be the ideal place to promote your business. In our third social media how-to article, we look at what you can do to increase the likelihood of your posts being seen.

3 mins read
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The art of delegation

The art of delegation

Delegation is an art that allows you to work less and do more, and who doesn’t want that?

3 mins read
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Client content: 10 New Year's resolutions which could boost your wealth in 2016

Client content: 10 New Year's resolutions which could boost your wealth in 2016

Want to get ahead in 2016? Here are 10 New Year's resolutions that can help give your financial situation a boost.

4 mins read
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Stuck for words? Here's how to get the conversation started

Stuck for words? Here's how to get the conversation started

Sometimes it can be difficult to get your clients to open up. This is because the art of business conversation is actually quite a science. So we’ve prepared some tactical advice to ensure the conversation flows.

3 mins read
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The year ahead by Savanth Sebastian - Part One

The year ahead by Savanth Sebastian - Part One

Investors will be watching the world’s central banks in 2016. Europe and Japan will do whatever it takes to lift inflation and growth. While in the US, the key question is when will interest rates come? In this two part series, Savanth Sebastian shares predictions for the year ahead.

3 mins read
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5 tips to managing your cash flow

5 tips to managing your cash flow

You spend the majority of your day discussing your clients’ money, but is it sometimes a case of do as I say, not as I do?

2 mins read
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Client content: Transition to retirement pensions

Client content: Transition to retirement pensions

Pssst. Here’s a way you can reduce your working hours, but not your income. Alternatively, the same strategy could help to boost your super balance, giving you more to retire on later.

6 mins read
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Connect with clients in the right way for your business

Connect with clients in the right way for your business

Connecting with clients has never been quite the digital minefield that it is today, with a new tool or app hitting the market every other week promising to make client connections easier and faster.

3 mins read
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Client content: If you have clear financial goals, you need a plan to achieve them

Client content: If you have clear financial goals, you need a plan to achieve them

No rudder, no GPS, no life jacket. You wouldn’t board that kind of boat, so why skipper your finances that way? Having direction, knowing your current financial position and establishing a safety net are all vital when it comes to charting your financial goals.

3 mins read
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Is salary packaging the right move for you?

Is salary packaging the right move for you?

In a competitive world full of employment opportunities, it pays to go the extra mile to attract and retain staff. That's where a solid salary packaging strategy comes in. Used effectively, it can give your business a much needed edge.

3 mins read
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The telltale signs of a scam

The telltale signs of a scam

Spot the telltale signs of a scam to avoid being fooled by fraudsters. Fraud is a huge concern among Australian businesses; but particularly for those working in the finance sector.

2 mins read
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Your options when a client wants to hold direct equities

Your options when a client wants to hold direct equities

When a client wants to hold direct equities it can be a challenge to find the right way to manage them while still effectively servicing their needs. We explore some of your options.

4 mins read
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Client content: There's much more to estate planning than a will

Client content: There's much more to estate planning than a will

Do you know how your loved ones will be cared for if something happens to you? If the answer is “no”, then it’s time you took steps to put your affairs in order.

5 mins read
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Client Content: What to look out for when reading the Terms and Conditions

Client Content: What to look out for when reading the Terms and Conditions

Let’s be honest, no one wants to spend their time reading extensive terms and conditions. But you mustn't let fine print apathy get the better of you, warns financial lawyer David Huggins.

3 mins read
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5 steps to the perfect handshake

5 steps to the perfect handshake

It’s easy to make a good first impression when you know how. Communications specialist, Dr Louise Mahler, explains what not to do when shaking a client’s hand.

3 mins read
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How one adviser secured the clients he wants

How one adviser secured the clients he wants

For Christopher Bates, the Founding Director of Canopy Private, content marketing was not only a tactic to attract new clients, it was a way to attract a certain type of client.

4 mins read
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What financial advisers can learn from fitness professionals

What financial advisers can learn from fitness professionals

Need a spotter? Fitness professionals and financial advisers have more in common than you may think.

3 mins read
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The gains one adviser made from taking on less clients

The gains one adviser made from taking on less clients

While other advisers work hard to grow their client numbers, Dean Mountford has deliberately shrunk his.

3 mins read
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A Guide to Investing in Exchange Traded Funds (ETFs)

A Guide to Investing in Exchange Traded Funds (ETFs)

This CommSec Adviser Services webinar aims to provide you with an overview on how to invest in Exchange Traded Funds (ETFs). The webinar is presented by Steve James, Head of Advised Distribution Investor Sales at Commonwealth Bank.

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Appealing to Gen Y clients

Appealing to Gen Y clients

Generation Y will dominate the financial space in the next few years, which is why you need to understand what they want and how you can help them achieve it.

4 mins read
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Client content: How women can close the super gap

Client content: How women can close the super gap

It’s no secret that women retire with about half as much in superannuation savings as men. While we wait for government policies to close the savings gap, it’s up to us to do what we can to ensure we enjoy a financially-secure retirement.

4 mins read
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2016 Federal Budget

2016 Federal Budget

This CommSec Adviser Services webinar aims to provide you with an overview and analysis of the 2016 Federal Budget and the impact these changes will have on Australians. The webinar is presented by Savanth Sebastian, Market Analyst at CommSec.

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Blockchain technology – why all the hype?

Blockchain technology – why all the hype?

As one of the most talked about emerging technologies, some say blockchain technology could revolutionise everything from stock exchange settlements and transport logistics to voting or welfare payments. So what is it and why is it relevant to financial advisers?

4 mins read
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Are you able to identify a client with cognitive decline?

Are you able to identify a client with cognitive decline?

Australia’s elderly population is set to double over the next 25 years, which means issues surrounding cognitive decline will inevitably rise. Here’s how you can better protect yourself and your client.

4 mins read
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How to communicate your value to clients

How to communicate your value to clients

Communicating your value as a professional is key to winning new clients and retaining existing ones.

4 mins read
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Role for advisers in margin lending equation

Role for advisers in margin lending equation

Margin loans are a popular tool for investors who want to accelerate wealth creation with leverage. But without careful management, leverage can magnify losses as easily as gains. That’s where advisers with margin lending expertise have much to offer their clients.

4 mins read
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Cybersecurity – how to protect your business and your clients

Cybersecurity – how to protect your business and your clients

In failing to protect your data and take the very real threat of cybersecurity seriously you put both you and your clients at risk. Implement this five-point plan to stave off any potential attacks.

4 mins read
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How to communicate effectively and authentically with clients

How to communicate effectively and authentically with clients

Part of our series on presenting yourself professionally, we explain how to harness the power of your voice.

4 mins read
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Client content: Investing in a low interest rate environment

Client content: Investing in a low interest rate environment

With interest rates showing every sign of staying lower for longer, it could be time to rethink your income strategy.

3 mins read
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How to get global exposure

How to get global exposure

The rapidly growing popularity of exchange traded funds (ETFs) is providing an international flavour to many portfolios. ETFs can provide exposure to global market indexes and international currency as well as international market sectors and fixed income products.

3 mins read
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The value of working with a financial adviser

The value of working with a financial adviser

Potential clients may not be fully aware of the many ways financial advisers can help them – so, to help you communicate this, we have created an animated video that you can share with them. It provides a clear, succinct and engaging summary of the far reaching benefits of working with a financial adviser. This video is the first in a series that aim to keep you on the front foot.

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What the budget means for small business clients

What the budget means for small business clients

Following the recent budget announcements, advisers will need to help their small business clients review their business exit and retirement plans.

4 mins read
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Fintech: threat or opportunity?

Fintech: threat or opportunity?

If you’re feeling threatened by financial technology, you’re not alone. According to a recent PwC survey, 83 per cent of respondents from traditional financial institutions believe part of their business could be lost to fintech companies.

4 mins read
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Brexit – what happens next?

Brexit – what happens next?

The 23 June vote for a British exit – or Brexit – from the European Union has sent the global economy into unchartered waters. While the initial impact sent shockwaves through global financial markets, the economic ripple effects will be felt for years. 

4 mins read
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Follow their lead – Top advisers and their Twitter profiles

Follow their lead – Top advisers and their Twitter profiles

What does it take to make an impact with just 140 characters? We showcase 10 financial advisers with successful Twitter accounts and get their advice on how to use Twitter to make an impact.

10 mins read
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Are your processes holding you back?

Are your processes holding you back?

By pulling their processes apart The Wealth Designers were able to halve the time spent preparing documents, which benefited both their advisers and their clients.  

3 mins read
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Shift to a global tax reporting standard

Shift to a global tax reporting standard

Offshore tax avoidance has been receiving increased scrutiny by governments in Australia and overseas in recent years. It’s a global issue and it’s about to be tackled with a global response. 

3 mins read
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Five impacts of election uncertainty

Five impacts of election uncertainty

Now that the federal election is out of the way, investors can begin to plan for the future; but that doesn’t mean it will be plain sailing. Here are 5 take-outs from the election outcome.

3 mins read
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A beginner's guide to SMAs

A beginner's guide to SMAs

The growing popularity of a different type of managed investment might just be the correct approach for some investors. It allows you to own shares and participate in the market without too much, or too little, control.

3 mins read
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Social listening: Find out what your clients want to know before they even ask

Social listening: Find out what your clients want to know before they even ask

They say you can find the answer to anything online. But what if you’re looking for questions, not answers? Social listening is a way to find out what your clients want to know, before they even ask.

 

3 mins read
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The scalability of ETFs - a simple solution for advisers

The scalability of ETFs - a simple solution for advisers

This CommSec Adviser Services webinar aims to provide you with an overview on how Exchange Traded Funds (ETFs) fit into an advice strategy. Alex Zaika from BlackRock Australia takes you through case studies as examples of how ETFs are being used by advisers today.

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Client content: How to invest internationally through exchange traded funds

Client content: How to invest internationally through exchange traded funds

Relying on investments in Australian assets means your portfolio is firmly tied to local markets. 

3 mins read
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Ever wished there were more hours in the day?

Ever wished there were more hours in the day?

As an adviser, it can often feel like you’re chained to your desk completing SOAs. We explore five reasons why you should consider outsourcing paraplanning.

4 mins read
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Navigating the new rules and complexities of aged care advice

Navigating the new rules and complexities of aged care advice

Before people buy their first home they research the market and prepare their finances. Entering aged care can take a similar financial commitment, but decisions are often made hastily with little understanding of the potential financial and emotional fallout. This is where financial advisers can play a vital role.

4 mins read
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ASIC removes barriers to fintech innovation

ASIC removes barriers to fintech innovation

From the digital wallet to peer-to-peer lending and robo-advice, new financial technology is beginning to change the way Australians do business and generally run their lives. More than that, it is also having an impact on the way financial service providers, including advisers, interact with their clients. 

3 mins read
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Become a thought leader on LinkedIn

Become a thought leader on LinkedIn

There are plenty of powerful reasons to share your expertise on LinkedIn. We spoke with one of the platform’s experts to find out how.

3 mins read
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Five essential tools of a digital adviser

Five essential tools of a digital adviser

The following new technologies have been designed specifically with advisers in mind, to help you streamline your processes and improve your offering to clients. 

4 mins read
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How to rebuild financial strength following a divorce

How to rebuild financial strength following a divorce

Going through a divorce can be an emotional roller-coaster, and when emotions are high, it can cause you to make irrational financial decisions. During this time, a financial adviser can be a helpful source of support and a voice of reason. 

4 mins read
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Targeting your ideal customer using market research

Targeting your ideal customer using market research

Before a financial adviser can begin to satisfy the needs of their ideal customer, they must first understand what those needs are. However, not everyone can afford the services of a market research firm, so here's how one company did it on the cheap.

4 mins read
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AI VS robo-advice: where is the future headed?

AI VS robo-advice: where is the future headed?

The terms artificial intelligence and robo-advice can at times seem interchangeable. But they are different, and when utilised correctly, both offer advantages. 

4 mins read
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How to get into the property market young

How to get into the property market young

To buy or not to buy? It's one of the biggest 'grown-up' decisions you'll make. But, when done right, it doesn't have to tie up all your money.

5 mins read
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How to use Google Analytics to your advantage

How to use Google Analytics to your advantage

Google’s web analytics tool offers powerful information about your site visitors and their behaviour.

6 mins read
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Robo-advice – where does the responsibility lie?

Robo-advice – where does the responsibility lie?

There are significant benefits to be gained from the rise of robo-advice, but advisers need to be aware that they cannot outsource their obligations. The buck stops with you.

5 mins read
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How to leverage your LinkedIn connections

How to leverage your LinkedIn connections

LinkedIn is a powerful platform for building your brand, which is why you should always look for opportunities to make new and relevant connections. One of the best ways to do this is to call on your existing connections to expand your network. 

3 mins read
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Five young advisers paint a picture of the future of the financial advice industry

Five young advisers paint a picture of the future of the financial advice industry

We're all too happy to impart life lessons on the younger generations – but how often do we stop and listen to their fresh perspective? Here we speak to five young advisers about the future of the industry and how they aim to help shape it.

 

5 mins read
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SMAs – what's the big attraction?

SMAs – what's the big attraction?

A sudden burst of activity has accelerated the separately managed accounts (SMAs) sector. While SMAs have been available for years — with a steady but muted popularity — the past 18 months or so have seen an upsurge in investment and interest by planners. 

3 mins read
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