Each week Doug Hoyes talks to industry experts about debt, money, and personal finance. Don't be confused; listen as the guest experts cut through the jargon and share practical advice.
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A woman’s search for her father—a pilot who disappeared during a mission in Vietnam—collides with the fight over what we owe those who never returned from war. From the producers of "America's Girls" and "Tom Brown's Body," and hosted by Texas Monthly writer Josh Alvarez, the show debuts April 2025. Texas Monthly Audio subscribers get early access to the show, plus bonus episodes and more subscriber-only audio. Visit texasmonthly.com/audio to learn more.…
IFA: Key issues emerging from the Dixon/CSLR inquiry
Manage episode 453098200 series 2774996
Контент предоставлен Momentum Media. Весь контент подкастов, включая эпизоды, графику и описания подкастов, загружается и предоставляется непосредственно компанией Momentum Media или ее партнером по платформе подкастов. Если вы считаете, что кто-то использует вашу работу, защищенную авторским правом, без вашего разрешения, вы можете выполнить процедуру, описанную здесь https://ru.player.fm/legal.
In this episode of The ifa Show, co-hosts Keith Ford and Maja Garaca Djurdjevic are joined by Money Management editor Laura Dew to dissect some of the submissions that industry stakeholders have made to the Senate’s Dixon Advisory inquiry.
Submissions for the Senate inquiry into failure of wealth management companies and the impact on the Compensation Scheme of Last Resort (CSLR) have started to be released, and some key issues have started to emerge around where the major problems lie and what can be done to fix them.
Listen as they discuss:
- How the CSLR came about and why the Dixon Advisory collapse has caused so many problems.
- The ongoing concern of what will happen when the $20 million subsector cap is exceeded.
- Options to address large firms walking away from their subsidiaries and leaving it to advisers to pick up the tab.
327 эпизодов
ПоделитьсяManage episode 453098200 series 2774996
Контент предоставлен Momentum Media. Весь контент подкастов, включая эпизоды, графику и описания подкастов, загружается и предоставляется непосредственно компанией Momentum Media или ее партнером по платформе подкастов. Если вы считаете, что кто-то использует вашу работу, защищенную авторским правом, без вашего разрешения, вы можете выполнить процедуру, описанную здесь https://ru.player.fm/legal.
In this episode of The ifa Show, co-hosts Keith Ford and Maja Garaca Djurdjevic are joined by Money Management editor Laura Dew to dissect some of the submissions that industry stakeholders have made to the Senate’s Dixon Advisory inquiry.
Submissions for the Senate inquiry into failure of wealth management companies and the impact on the Compensation Scheme of Last Resort (CSLR) have started to be released, and some key issues have started to emerge around where the major problems lie and what can be done to fix them.
Listen as they discuss:
- How the CSLR came about and why the Dixon Advisory collapse has caused so many problems.
- The ongoing concern of what will happen when the $20 million subsector cap is exceeded.
- Options to address large firms walking away from their subsidiaries and leaving it to advisers to pick up the tab.
327 эпизодов
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In this week’s episode of Relative Return Unplugged, Dr Vladimir Tyazhelnikov from the University of Sydney’s School of Economics joins the show to break down the shifting sands of global trade dynamics and attempt to understand the way US President Donald Trump is employing tariffs. An expert on international trade and global value chains, Tyazhelnikov explains why the current approach has led to such an extreme reaction from the US’ trade partners and the alternative options that are available to avoid a trade war that is so economically damaging for all involved. Join us to hear about: Why the fluctuations in commodities prices could have benefits for some sectors despite broader concerns. How Chinese TikTokers are helping consumers skirt around trade restrictions. What the volatile nature of the policies means for businesses trying to keep up with the changes.…
In this episode of The ifa Show, host Keith Ford is joined by Sarah Abood, chief executive of Financial Advice Association Australia (FAAA), to break down the Coalition's promises to the advice profession if they come into power and the merits of the latest draft legislation of Labor's advice reforms. Ahead of the federal election, Abood explored some of the possible solutions offered from both sides for addressing the Compensation Scheme of Last Resort, as well as the possible implications of superannuation funds providing retirement advice through collective charging. Listen as they discuss: What the FAAA wants from the incoming government. Why it's important that advisers gain access to the ATO portal. How government funding could boost new entrants to the profession.…
In this edition of the SMSF Adviser podcast, hosts Keith Ford and Aaron Dunn are joined by legal specialist Phil Broderick, principal at Sladen Legal, to discuss the implications of the Bendel court decision - a landmark ruling with potentially far-reaching consequences for SMSFs and private trusts. This ruling has profound implications for the use of discretionary trusts and corporate beneficiaries, potentially allowing distributions to remain unpaid without triggering Division 7A consequences. The podcast delves into the significance of the case, drawing parallels to pivotal decisions like Bamford, and explores how it could reshape the landscape for tax and accounting practices in Australia. Listen as they discuss: The interpretation of "financial accommodation" within Division 7A. The relevance of this decision for SMSFs The potential for the Bendel decision to influence other areas of superannuation law.…
In this week’s special episode of The ifa Show, we present shadow treasurer Angus Taylor’s address at Momentum Media’s Election 2025 event, followed by a Q&A covering the Coalition’s plans for the financial services sector. Taylor outlined what a Peter Dutton-led government would deliver for the Australian economy, why the role of financial advisers is "absolutely central" to its economic blueprint, and how the nation's leader needs to handle negotiations with US President Donald Trump. Tune in to hear about: The Coalition's plans to reshape the economy. How Taylor plans to get the cost-of-living crisis under control. Why the shadow treasurer aims to double financial adviser numbers.…
In this week’s special episode of Relative Return Unplugged, we present shadow treasurer Angus Taylor’s address at Momentum Media’s Election 2025 event, followed by a Q&A covering the Coalition’s plans for the financial services sector. Taylor outlined what a Peter Dutton-led government would deliver for the Australian economy, why the role of financial advisers is “absolutely central” to its economic blueprint, and how the nation’s leader needs to handle negotiations with US President Donald Trump. Tune in to hear about: The Coalition's plans to reshape the economy. How Taylor plans to get the cost-of-living crisis under control. Why the shadow treasurer aims to double financial adviser numbers.…
In this week’s episode of Relative Return Unplugged, AMP chief economist Shane Oliver joins the show to unravel the web of tariffs that US President Donald Trump launched on trading partners and take a look at the way global economies are likely to be impacted. The so-called Liberation Day has shaken up the conventions of international trade, and how affected nations respond will go a long way to determining the scale of the potential trade war. Join us to hear about: Why Oliver has dubbed it “Retro Day” instead. What kind of flow-on effects can be expected for the Australian economy, after getting off relatively easily. How markets are expected to react and what is on the horizon for the US.…
In this episode of The ifa Show, host Keith Ford is joined by independent financial adviser Nathan Fradley to discuss the Aged Care Act reforms set to come into effect on 1 July and how advisers can prepare their clients. With the funding of aged care also heading for change, Fradley breaks down what advisers who don’t specialise in the space need to know and the value of building a network of professionals they can refer clients to, to ensure they can meet the needs of clients navigating the complex aged care space. Listen as they discuss: Why it’s so important that advisers stay up to date on the incoming reforms. The value of specialisation within the advice industry. What impact DBFO 1.5 could have on clients’ retirement income and Centrelink eligibility.…
In this episode of Relative Return, host Laura Dew is joined by Andrew Lockhart, managing partner at Metrics Credit Partners, to discuss the attraction of real estate debt and why it can be a compelling option for portfolio diversification. Listen as they discuss: How it compares to traditional equities and fixed income. Metrics’ due diligence process. Potential returns from the asset class. Its role in diversified portfolios for private wealth or retail investors. How Metrics mitigates possible risks to protect investor capital. Disclaimer: Metrics Credit Partners Pty Ltd ABN 27 159 646 996 AFSL 416 146 (Metrics) makes no representation or warranty with respect to the accuracy, completeness, or currency of the content. The content is for educational purposes only and is not intended to provide you with financial advice. It has been prepared without taking into account your objectives, financial situation or needs. Independent advice should be obtained from an Australian financial services licensee before making investment decisions. To the extent permitted by law, Metrics excludes all liability for any loss or damage arising in any way due to or in connection with the publication of this content, including by way of negligence. Past performance is not an indicator of future performance. All investments contain risk and may lose value. The Trust Company (RE Services) Limited (ABN 45 003 278 831, AFSL 235 150) is the Responsible Entity of the Metrics Master Income Trust (MXT) (ARSN 620 465 090), Metrics Income Opportunities Trust (MOT) (ARSN 631 320 628) and the Metrics Real Estate Multi-Strategy Fund (MRE) (a stapled structure consisting of the Metrics Real Estate Multi-Strategy Passive Trust (ARSN 679 413 293) and the Metrics Real Estate Multi-Strategy Active Trust (ARSN 679 413 695)). All content in respect of MXT, MOT and MRE is issued by The Trust Company (RE Services) Limited (ABN 45 003 278 831) (AFSL 235 150) as the responsible entity. Equity Trustees Limited (ACN 004 031 298, AFSL 240 975) (EQT) is the Responsible Entity of the Metrics Real Estate Income Fund (MREIF) (ARSN 671 699 228) (together “the Funds”). The Investment Manager for the Funds is Metrics Credit Partners Pty Ltd (Metrics) ABN 27 150 646 996, AFSL 416 146. Before making any investment decisions, please refer to the Funds’ PDS, TMD and any Additional Disclosures which is available at www.metrics.com.au and assess whether the Funds are appropriate given your objectives, financial situation or needs. Please note that the PDS and TMD for MREIF will be available soon. If you require advice that takes into account your personal circumstances, you should consult a licensed or authorised financial adviser. Target return may not be achieved. The payment of monthly cash income is a goal of each Fund only and is not guaranteed.…
In this special post-budget episode of the SMSF Adviser podcast, hosts Keith Ford and Aaron Dunn navigate a complex web of budgetary and political issues. Although it was a budget with nothing much in it for the SMSF sector, it was what wasn’t included that may have dramatic implications for the sector moving forward. With the departure of Financial Services Minister Stephen Jones, the sector faces uncertainty over future leadership and policy direction, while the emergence of the Teal independents and the potential for a minority government add layers of complexity to an already unpredictable political landscape. Listen as they discuss: The budget's limited offerings with small tax cuts and cost-of-living adjustments taking centrestage. The alignment between the reduced tax rates and superannuation accumulation rates. The broader implications of the upcoming election on the SMSF and financial services sectors. The DBFO 1.5. proposed changes, including the shift from a statement of advice to a client advice record.…
In this episode of The ifa Show, hosts Keith Ford and Maja Garaca Djurdjevic are joined by Phil Anderson, general manager of policy, advocacy and standards at the Financial Advice Association Australia (FAAA), to break down the latest tranche of financial advice reforms. With an election on the horizon, there won’t be any meaningful movement on the draft legislation, but the version delivered last week has fallen well short of the FAAA’s expectations, with Anderson characterising the association’s response as having a “fairly strong tone of disappointment”. Listen as they discuss: What’s in the Delivering Better Financial Outcomes (DBFO) exposure draft – and what isn’t. Why the FAAA is so strongly against the legislation in its current form. The specifics around what advice super funds would be allowed to collectively charge members. Whether there are any real differences between the proposed client advice record and a statement of advice. How little there was in the budget for financial services and advice.…
In this week’s episode of Relative Return Unplugged, AMP’s chief economist, Shane Oliver, joins us to break down Labor’s budget, focusing on its re-election strategy and cost-of-living support, and cautioning about the long-term impact of structural deficits, increased government spending, and potential risks to productivity growth. Join us to hear about: Why the budget raises alarms about the long-term impact of structural deficits. How government spending impacts productivity growth. Oliver's advice for the next government.…
In this episode of Relative Return, host Laura Dew chats with Mark Barnes, head of investment research, and Catherine Yoshimoto, director of product management, from FTSE Russell about markets in Donald Trump's second presidency and how US small caps are faring compared to their large-caps counterpart. Listen as they discuss: Markets, inflation and interest rates in Trump 2.0. Trump’s growth policies and their impact on equities. The diversified nature of the Russell 2000 Index. How today's small caps can become tomorrow's winners. Benefits for advisers of using index-linked products. Disclaimer: FTSE Russell is not an investment firm, and this podcast is not advice about any investment activity. This podcast is solely for informational purposes.…
1 Relative Return Unplugged: Superannuation reforms, budget pressures, and economic uncertainty 42:40
In this episode of Relative Return Unplugged, we examine the push for superannuation tax reforms aimed at saving $10 billion annually, as well as the immense pressure being placed on Treasurer Jim Chalmers ahead of the budget and Deloitte’s warning of a $26.1 billion deficit. Join us as we discuss: The key superannuation tax reforms being proposed and their potential impact. How the budget is shaping up amid economic uncertainty and fiscal pressures. The broader implications of global instability on Australia’s economic outlook. Tune in for our insights on the policy decisions shaping the nation’s financial future.…
In this episode of The ifa Show, host Keith Ford is joined by Eugene Ardino, chief executive of Lifespan Financial Planning, to discuss some of the hot-button topics impacting financial advice and why, despite some challenges, there is still plenty of reason for optimism. Financial advisers are facing headwinds in the form of sluggish regulatory reform and the growing impact of the Compensation Scheme of Last Resort (CSLR), which Ardino said is currently the biggest issue for advice, though high demand and deregulation on the horizon should see things improve. Listen as they discuss: What steps need to be taken to ensure the CSLR is sustainable without crippling financial advice. How the advice profession can work to attract more new entrants and sell the positives of the sector. Whether a change in minister is likely to speed up the implementation of reforms.…
In this episode of The ifa Show, host Keith Ford is joined by Marc Fabris, founder of Risk Hub, to discuss how technology and artificial intelligence are being used to boost efficiency in the advice process, making risk advice commercially viable for holistic advisers. While commissions have certainly played a significant role in the exodus of holistic advisers from the risk sector, Fabris explains how regulatory changes and compliance requirements have made risk advice more challenging and expensive, which has ultimately led to an underinsurance issue in Australia. Listen as they discuss: The likelihood of government addressing risk commissions soon. How collaboration with insurers could streamline the risk advice process. Why advisers need to embrace AI to stay competitive for the future.…
With auditing season in full swing and the ATO increasing its scrutiny of the sector, this week’s SMSF Adviser podcast focuses on the challenges auditors may face regarding compliance. Hosts Keith Ford and Aaron Dunn are joined by legal specialist Bryce Figot from DBA Lawyers, one of the sector’s leading experts in the intricacies of SMSF auditing, to discuss what’s involved in managing the myriad regulatory obligations SMSF auditors now face. Figot touches on, among other things, the Tax Office’s renewed focus on auditor compliance for 2025 – especially in maintaining professional standards and quality control. He also reflects on the importance of auditors as gatekeepers in the industry with responsibility for ensuring the integrity of over a trillion dollars in SMSF assets. The podcast also delves into: The ATO's scrutiny of ‘volume auditors’. The importance of professional indemnity insurance for SMSF auditors. Pricing matters and what auditors should be charging per audit. The rigours and importance of documentation. The evolving landscape of the SMSF auditing industry with a shrinking number of auditors and an increasing number of SMSFs.…
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Financial Services Podcast Network
In this episode of Relative Return Unplugged, hosts Maja Garaca Djurdjevic and Keith Ford are joined by AMP’s chief economist, Shane Oliver, to discuss the ever-evolving state of global markets as the US pursues its protectionist trade war. The fast-moving rollout of tariffs against major trade partners has had a profound impact on stock markets around the world, with tensions and reciprocal tariffs threatening to inflame a trade war that could have prolonged effects. Listen as they discuss: How global markets are responding to the increasing volatility of a Trump presidency. Whether the President’s tactics will change if the downturns become more pronounced. Why Australia not hitting back with tariffs of its own is the right path.…
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Financial Services Podcast Network
In this episode of The ifa Show, host Keith Ford is joined by Katherine Spitzkowsky, founder and principal adviser at Yulania Financial, ahead of International Women's Day to discuss the specific needs of women seeking financial advice, as well as how advisers can work with neurodiverse clients. While many financial advisers aim to tailor their offering to every client based on their individual needs, Spitzkowsky explains why it is still important to understand the differences in the way that men and women approach financial literacy to ensure clients receive the best outcome from the financial advice process. Listen as they discuss: The value of referring clients to other advisers who would be a better fit. Why neurodiverse clients can often be perceived as difficult because of a mismatch in communication styles. How financial advisers can provide a better service through flexibility in their processes.…
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Financial Services Podcast Network
In this episode of The ifa Show, host Keith Ford is joined by the executive director of the Association of Independently Owned Financial Professionals, Peter Johnston, to break down how the poor design of the Compensation Scheme of Last Resort (CSLR) could lead to the downfall of the financial advice profession as they face a $70 million levy. With the responsibility of addressing the CSLR seemingly being left in the hands of the next government, Johnston explains the importance of advisers using their vote in the upcoming federal election to support those that will, in turn, support the profession and deliver on their promises. Listen as they discuss: Whether there are any legal pathways for the profession to challenge the CSLR. How advisers can push back against political pressures in the upcoming federal election. What the long-term implications of the CSLR could be for the profession.…
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Financial Services Podcast Network
In this special two-part episode of the SMSF Adviser Show, hosts Keith Ford and Aaron Dunn are joined by a selection of prominent industry members at the SMSF Association National Conference. In part two, Tracey Scotchbrook, head of policy and advocacy at the SMSF Association, joins to break down the major regulatory issues impacting the sector, including the ongoing confusion around how to apply wholesale investor thresholds for SMSFs. Ben Marshan, director at Marshan Consulting, also joins the show to talk about the importance of financial advisers staying ahead of regulatory shifts to ensure they are prepared for the future, rather than waiting for long-gestating reforms to take place before streamlining their practice. Finally, Peter Crump, senior consultant at BDO, covers the importance of an exit plan for SMSF members and the considerations that can maximise client outcomes when it comes time to wind up a fund.…
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Financial Services Podcast Network
1 Relative Return Unplugged: Is ASIC making super funds enemies with private market crackdown? 48:34
In this episode of Relative Return Unplugged, hosts Maja Garaca Djurdjevic and Keith Ford discuss the corporate regulator’s recent discussion paper looking into the rapid growth of private markets and the role of superannuation funds in this “opaque” sector. In what ASIC chair Joe Longo described as one of its “most important pieces of proactive work”, the corporate cop has sought to open a discussion on its regulatory approach and gather actionable ideas to improve Australia’s capital markets. We break down the paper and the research report informing it, how ASIC has approached the shifting dynamics of capital markets, and why super funds have emerged as the focal point of the discussion. Tune in to hear: What the corporate regulator is looking to achieve with its attempts to increase transparency in private markets. How market participants have responded to the discussion paper. The role of Australia’s superannuation funds in both public and private markets.…
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Financial Services Podcast Network
In this episode of The ifa Show, co-hosts Maja Garaca Djurdjevic and Keith Ford break down what Financial Services Minister Stephen Jones' impending retirement means for the upcoming federal election. While many advisers will be glad to see Jones go after years of disappointment from the Labor government, particularly in relation to the government's handling of the Compensation Scheme of Last Resort (CSLR), many are still hesitant to trust the Coalition, remembering the decade of mistreatment. Listen as they discuss: How United Global Capital is impacting the CSLR more than Dixon Advisory. Industry associations' criticisms of both major political parties. Whether advisers can expect to see a draft on tranche two of the Delivering Better Financial Outcomes reforms prior to the election.…
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Financial Services Podcast Network
In this special two-part episode of the SMSF Adviser Show, hosts Keith Ford and Aaron Dunn are joined by a selection of prominent industry members at the SMSF Association National Conference in Melbourne. In part one, SMSF Association chief executive Peter Burgess and Class CEO Tim Steele join the show to talk about the thought leadership breakfast on the first day of the conference, the growth of the SMSF sector, and the major issues impacting professionals. Phil Broderick, principal at Sladen Legal, also joins the show to break down the considerations when advising clients on which type of investment structure they should use depending on their personal circumstances and goals. Finally, Shelley Banton, head of technical at ASF Audits, covers the thorny subject of business real property and the difficulties that auditors can have in determining whether an investment meets the criteria or if a member is trying to fit a square peg in a round hole.…
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Financial Services Podcast Network
On this episode of Relative Return Unplugged, host Maja Garaca Djurdjevic is joined by AMP’s chief economist Shane Oliver to break down the Reserve Bank of Australia’s long anticipated rate cut to 4.1 per cent. Is the central bank being overly cautious? What does this mean for inflation, the job market, and future rate moves? Tune in as the pair unpacks the economic and political implications of the decision – and what lies ahead for interest rates in 2025. Listen as they discuss: The election timing speculation and economic uncertainties shaping the RBA’s decisions. Whether the RBA will continue easing, and when. The impact of the bank’s new two-board system on future monetary policy decisions.…
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Financial Services Podcast Network
In this episode of The ifa Show, host Keith Ford is joined by the chief executive of WT Financial Group, Keith Cullen, to break down the government’s adviser education reform announcement, and why the profession needs to be pragmatic about the pathways to bring in new advisers. Cullen explains why he sees opening up financial advice to a wider range of degrees is vital, and the importance of maintaining the appropriate additional requirements, such as completing the adviser exam, professional year, and CPD training. Listen as they discuss: What advisers can expect from the upcoming federal election. How the next tranche of DBFO is tracking and the measures it needs to get right. Why the government needs to stop its constant meddling in the super system.…
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Financial Services Podcast Network
It’s already been a hectic first few weeks of the year in the SMSF sector with legislative changes and political manoeuvring. In this week’s SMSF Adviser Show, hosts Keith Ford and Aaron Dunn delve into what has happened and what may transpire in the coming months. They’re joined by Daniel Butler, director of DBA Lawyers, to talk about the complexities of investing in rental properties within SMSFs, the considerations advisers need to keep in mind, and the impact of various state taxes on property investment. With a burgeoning interest in property as a significant asset class within SMSFs, Butler highlights the nuances and challenges trustees face. Listen as they discuss: Investment trends in SMSFs. Key considerations of commercial v residential property. Regulatory and tax implications. The challenges of property management. The evolving tax landscape.…
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Financial Services Podcast Network
In this episode of Relative Return Unplugged, hosts Maja Garaca Djurdjevic and Keith Ford, along with special guest Liam Garman, break down the economic landscape ahead of the Reserve Bank’s highly anticipated first rate call of 2025. With two major banks already dropping rates on some fixed mortgage offerings, the consensus that the RBA will lower interest rates for the first time in more than four years has grown even stronger. We explore the factors driving this solidified view and whether there is likely to be a considerable change in property prices on the back of a cut, as well as how the move would impact other asset classes. Tune in to hear: How sticky US inflation and President Donald Trump’s tariffs are going to affect the American, global and Australian economies. Why Australia is in a good position to avoid the worst of a potential global trade war. How the RBA’s decision on rates could impact the federal election.…
In this episode of Relative Return, host Laura Dew chats with David Russell, chair of the Transition Pathway Initiative, and Tony Campos, head of sustainable investment at FTSE Russell, about the intricacies of climate investment. Listen as they discuss: How climate investment is becoming a mainstream concern. A trend towards transition-focused investing for a low-carbon economy. The partnership between FTSE Russell and the TPI. TPI’s role in evaluating a company’s carbon performance. Further plans, including exploring performance by private companies.…
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Financial Services Podcast Network
In the latest episode of The ifa Show, host Keith Ford is joined by the founder of The Cyber Collective, Fraser Jack, to discuss how technological advancements have impacted the cyber security space and the doubled-edged sword of AI. Reflecting on the evolving landscape of cyber security, Jack emphasised the importance of creating resilient businesses that can withstand and recover quickly from attacks as despite best efforts, attacks still can occur. Listen as he discusses: How third-party providers can increase cyber risk. Why leaders’ knowledge is crucial to protecting the business. The consistent vulnerability of human error.…
In this episode of Relative Return Unplugged, hosts Maja Garaca Djurdjevic and Keith Ford, along with special guest Steve Kuper, discuss a whirlwind start to US President Donald Trump’s second term that all but kicked off a trade war. We explore the lay of the land following a flurry of executive orders, abrupt policy changes, and escalating tensions that seem to have no clear end in sight. The tariffs on Canada and Mexico are paused for now, but China did not experience the same sudden reversal. Trump’s leadership style has so far led to volatility in global markets as investors grapple with the significant uncertainty and a potential market correction on the horizon. Tune in to hear: The case for tariffs as bargaining chips and if this is ultimately a chaotic approach to diplomacy. Whether volatility is here to stay as a feature of Trump’s presidency. What kind of flow-on impact tariffs could have on the Australian economy.…
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Financial Services Podcast Network
In this episode of The ifa Show, we share a discussion between host Maja Garaca Djurdjevic and associate professor Nathan Eva, from Monash Business School, on the global implications of US President Donald Trump's "me-first agenda" on organisational culture, including within Australia. Eva breaks down Trump’s executive orders rolling back diversity, equity, and inclusion (DEI) initiatives and clean energy efforts, and how these moves could flow through into the domestic landscape. Listen as they discuss: The risks that come with deprioritising diversity and how Australian leaders can resist these trends. What organisations can do to stay committed to fairness, equity, and sustainability amid political and social upheaval. The leadership qualities needed to navigate this challenging new era.…
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Financial Services Podcast Network
1 SMSF: How digital advice can benefit the SMSF sector and Australia’s growing appetite for financial guidance 44:20
There has been significant movement in the digital advice space over the past decade. As the industry accelerates its efforts to address the undersupply of financial advice, digital solutions are essential to meet the demands of Australia’s 12.9 million financial advice beneficiaries. In this episode of the SMSF Adviser podcast, host Keith Ford talks to David Barrett, an independent consultant with a wealth of experience in the industry, to delve into the evolving landscape of digital advice for SMSFs. Barrett highlights a recent partnership between a digital advice provider and a major institution, showcasing the industry’s progress. While the initial iterations of digital advice have been simplistic, they have laid the groundwork for more complex solutions in the future. However, when faced with complex scenarios such as defined benefit schemes, digital advice may still require human intervention. Listen as they discuss: The role of digital advice in SMSFs. Challenges and drawbacks of digital advice. Legislative agenda and future considerations.…
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Financial Services Podcast Network
The emergence of DeepSeek, a Chinese artificial intelligence (AI) start-up that claims to have built an advanced large language model in just two months for under US$6 million, sent shockwaves through the AI world and cratered US tech stocks. In this episode of the Relative Return Unplugged podcast, Professor Geoff Webb from Monash University’s Department of Data Science and AI unpacks what the emergence of a Chinese challenger to established US AI players means and whether scepticism over its claims is warranted. We discuss how markets have responded to DeepSeek’s arrival, whether tech giants are overspending on AI, the possibility of other challengers popping up around the world, and the security concerns when dealing with Chinese tech. Tune in to hear Webb’s insights on how these new developments are going to impact the future of AI.…
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Financial Services Podcast Network
In the latest episode of The ifa Show, host Keith Ford is joined by academic and consultant Dr Katherine Hunt to dive into the barriers that are holding advice firms back from bringing on young advisers and why overcoming them is important for the future of the profession. Reflecting on conversations with advisers who have decided working with professional year (PY) advisers simply doesn’t fit their business model, Hunt outlined why this is an area where advice firms can take on more responsibility for improving the overall profession while still gaining value from a new adviser’s skills. Listen as she discusses: How to reposition the value proposition of a PY adviser as a positive for your clients. Why the proposed new class of adviser could be reason for optimism and lead to growth in adviser numbers in the long-term. How to get the most out of mandated ethics continuing professional development rather than just ticking a box.…
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Financial Services Podcast Network
1 Relative Return Unplugged: Leadership in a changing world – Trump’s influence on DEI and beyond 36:12
Donald Trump’s presidency has already begun reshaping the corporate and political landscape in the US, with executive orders rolling back diversity, equity, and inclusion (DEI) initiatives and clean energy efforts. In this episode of the Relative Return Unplugged podcast, associate professor Nathan Eva from Monash Business School discusses the global implications of Trump’s “me-first agenda” on organisational culture, including within Australia. We explore the risks of deprioritising diversity, and how Australian leaders can resist these trends, as well as what organisations can do to stay committed to fairness, equity, and sustainability amid political and social upheaval. Tune in to hear Nathan’s insights on the leadership qualities needed to navigate this challenging new era.…
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Financial Services Podcast Network
In the latest episode of The ifa Show, host Keith Ford sits down with founder and director of Forte Asset Solutions, Steve Prendeville, to break down what’s happening in the financial services mergers and acquisitions (M&A) space. With activity high across the board, including multiple bidders attempting to take over Insignia Financial, Prendeville shares his insights on the growing international interest in Australian financial services firms and why this is happening. Listen as he discusses: The impact of offshore ownership on the domestic financial services market. Why 2025 is set to be a busy year for M&A advice firms, driven by a combination of supply and demand dynamics. How financial advisers can build better businesses and enhance profitability.…
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Financial Services Podcast Network
In the first episode of the SMSF Adviser Show for 2025, hosts Keith Ford and Aaron Dunn take a look at the hot topics that will impact the SMSF space in the new year. The pair discuss the upcoming federal election, which is set to dominate the outlook for the first half of the year, as a range of measures related to SMSF advice hang in the balance and are unlikely to be decided until the polls are closed. Listen as they discuss: Why litigation over estate benefits is expected to continue to grow. How a strong focus on retirement outcomes will take centrestage in 2025. The possibility of accountants being given a larger role in providing financial advice.…
In this episode of Relative Return Unplugged, hosts Maja Garaca Djurdjevic and Keith Ford are joined by AMP chief economist Shane Oliver to take a look at what can be learned from 2024 as attention turns to what markets will do in the new year. The strong share market returns of 2024 may not quite be repeated in 2025, but Oliver believes it is still set to be a solid year for markets; however, volatility is set to continue on the back of uncertainty around how much central banks are going to cut rates. Listen as they discuss: Why monetary policy is still an effective tool to control inflation. How a Trump presidency is likely to impact the global and domestic markets. The key issues ahead of the federal election and how the different potential outcomes could affect the economy.…
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Financial Services Podcast Network
In this episode of the SMSF Adviser Show, hosts Keith Ford and Aaron Dunn are joined by Tim Miller, SMSF technical and education manager at Smarter SMSF, to break down an early Christmas present for the SMSF sector – the introduction of regulations on legacy retirement product commutations and reserves. Miller explains why there was a need for these regulations to be put in place and who is set to benefit from legacy pension changes, the important dates for the measures, and considerations for both SMSF members and their advisers when deciding if exiting a pension is the right decision. The podcast also takes a look back on a big year for SMSF professionals. Even though the Division 296 changes never got across the line, there were changes to the stage 3 tax cuts, the objective of super was legislated, and the government raised the ire of accountants with some ill-advised changes to the code of professional conduct for tax practitioners – and much more. Listen as they discuss: How the SMSF sector was impacted by the biggest events of 2024. The key areas covered on the SMSF Adviser Show over the year that was. Why a number of these important issues are going to still be on the agenda in 2025.…
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Financial Services Podcast Network
1 Relative Return Unplugged: EXCLUSIVE – The Coalition’s vision for financial advice with shadow minister Luke Howarth 53:11
Join us for a special episode of Relative Return Unplugged as hosts Maja Garaca Djurdjevic and Keith Ford are joined by shadow financial services minister Luke Howarth to discuss the Coalition’s goals for financial advice. In this conversation, Howarth shares his perspective on the current state of the sector, what a change in government would bring about for financial advice reform efforts, the prospect of super funds returning to advice, and what needs to change regarding the Compensation Scheme of Last Resort. Tune in to hear the shadow minister’s vision for the advice profession ahead of next year’s federal election. You’ll hear: What the Coalition’s plan to implement all the Quality of Advice Review recommendations means in practice. His plans to turn around what has been a contentious relationship between the advice profession and successive governments on both sides of politics. How Australia’s economy is looking following an extended period of high inflation and increased government spending. Whether the shadow minister is just talking a good game ahead of an election or if financial advice would be better off under a Coalition government.…
In this episode of The ifa Show, host Keith Ford is joined by Kylie Denton, the owner and director of Performance Advisory Group, to explore how advisers can navigate the complex landscape of the intergenerational transfer of wealth and engage with different generations of clients. Denton explains why financial advisers need to start thinking about how they will connect with this new generation now, as around $435 billion of wealth is set to transfer from Baby Boomers to generations X, Y, and Z over the next 10 years. Listen as they discuss: The conversations that advisers should be having with clients and both their children and grandchildren. How advisers can tailor their offerings to younger generations that communicate very differently compared with older clients. The different concerns that younger clients hold, not just from a financial perspective but also on a broader level.…
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Financial Services Podcast Network
In this special episode of Relative Return Unplugged, we are sharing a discussion between Momentum Media’s Steve Kuper, Major General (Ret’d) Marcus Thompson and AMP chief economist Shane Oliver on the latest economic data and what it means for Australia’s economy and national security. There are a range of complexities impacting Australia’s economic landscape amid rising geopolitical tensions, and there is a dire need for strategies to bolster the nation’s defence capabilities in the face of potential threats. The trio take a look at the challenges facing the nation, such as stagnant productivity and a significant slowdown in GDP growth, highlighting the importance of balancing economic and national security priorities, particularly in the face of an increasingly complex and uncertain geopolitical landscape. They also discuss: The need for a strategic approach to industrialisation, focusing on high-tech and automated manufacturing, to enhance Australia’s defence capabilities while maintaining economic stability. The need to boost economic complexity and diversity to better prepare the nation to face the mounting geopolitical and “whole-of-nation” efforts being leveraged against Australia in this new multipolar world and how best to deliver such a monumental change. The urgent need for a serious national debate with the Australian public about the future of the country and its economic future and the intersection of national security.…
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Financial Services Podcast Network
In this episode of The ifa Show, co-hosts Maja Garaca Djurdjevic and Keith Ford break down Financial Services Minister Stephen Jones’ latest update on the Delivering Better Financial Outcomes (DBFO) reforms and how the new class of adviser (NCA) is set to operate. Details have been short on the second tranche of the DBFO and the delays have been lengthy, but the minister has provided a more in-depth look at how the super funds and insurers will be able to utilise NCAs to provide simple advice to members – though there is still no date for the release of draft legislation. Listen as they discuss: Whether the ability for NCAs to charge for their service is a net positive and why it became a point of friction among stakeholders. The reaction from across the financial services industry. How likely it is that the legislation will be passed in the current term of Parliament, given the ever-shrinking window before the federal election.…
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Financial Services Podcast Network
Following a whirlwind of legislative activity in the last few days of the parliamentary sitting calendar for the year, the Senate passed a number of bills via a guillotine motion. Although the controversial Division 296 tax was not among them after a last-minute reprieve, several other bills were passed that will ultimately affect the SMSF sector. In this final episode of the SMSF Adviser Podcast for 2024, hosts Keith Ford and Aaron Dunn, CEO of Smarter SMSF, discuss the implications of these measures. Listen as they discuss: The perseverance and success of the campaign by the SMSF Association regarding the Division 296 tax. The objective of super bill and how it may influence future policy decisions. The collapse of wealth management companies, particularly Dixon Advisory, and its impact on the Compensation Scheme of Last Resort. The ATO’s updated advice on long-running NALI regulations.…
In this episode of Relative Return Unplugged, co-hosts Maja Garaca Djurdjevic and Keith Ford break down some of the legislation that passed during the government’s last-minute guillotine motion, including the measures to restructure the Reserve Bank into a two-board system. As the parliamentary year came to a close last week, the government rushed 31 bills through the Senate on Thursday night, followed up with a 32-minute sitting in the lower house on Friday. Among the flurry of bills was the controversial measure to create separate monetary policy and governance boards at the RBA. We explore the process that ended in this result, the reaction from economists and the opposition, and whether critics are right that the government will use the likely March start date for the new structure to stack the board ahead of the federal election. Listen as they discuss: Why even the perception of political interference could damage the credibility of the bank. Whether the objective of superannuation will impact future legislation in the space. The government’s latest announcement on financial advice reform detailing how a new class of advisers will operate.…
In this episode of The ifa Show, co-hosts Keith Ford and Maja Garaca Djurdjevic are joined by Money Management editor Laura Dew to dissect some of the submissions that industry stakeholders have made to the Senate’s Dixon Advisory inquiry. Submissions for the Senate inquiry into failure of wealth management companies and the impact on the Compensation Scheme of Last Resort (CSLR) have started to be released, and some key issues have started to emerge around where the major problems lie and what can be done to fix them. Listen as they discuss: How the CSLR came about and why the Dixon Advisory collapse has caused so many problems. The ongoing concern of what will happen when the $20 million subsector cap is exceeded. Options to address large firms walking away from their subsidiaries and leaving it to advisers to pick up the tab.…
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Financial Services Podcast Network
In this episode of Relative Return Unplugged, co-hosts Maja Garaca Djurdjevic and Keith Ford are joined by Money Management editor Laura Dew to dissect some of the submissions that industry stakeholders have made to the Senate’s Dixon Advisory inquiry. The Compensation Scheme of Last Resort (CSLR) has become a hot-button topic among financial advisers, with the sector bearing the brunt of the costs following the collapse of Dixon Advisory. However, it isn’t the only financial services sector impacted, as the 10 largest banking and insurance companies are already covering the pre-CSLR period of complaints to the tune of $241 million. As the submissions for the Senate inquiry into the failure of wealth management companies and the impact on the CSLR have started to be released, some key issues have started to emerge around where the major problems lie and what can be done to fix them. Listen as they discuss: How the CSLR came about and why the Dixon Advisory collapse has caused so many problems. The ongoing concern of what will happen when the $20 million subsector cap is exceeded. Options to address large firms walking away from their subsidiaries and leaving it to advisers to pick up the tab.…
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Financial Services Podcast Network
In this episode of The ifa Show, host Maja Garaca Djurdjevic is joined by Bryce Quirk, Group Executive of Distribution at CFS, and Recep Peker, Managing Director of Empower Business Advisory, to explore the findings of the firms’ recent Advice Practice Profitability Report. Quirk and Peker break down the report’s most important insights for advisers, from the way practice inefficiencies are hindering their ability to serve a greater number of clients to the importance of investing in the foundation of their businesses to accommodate future growth. Listen as they discuss: How to address the ongoing issue of advice accessibility. The importance of advocating for the value of financial advice and reducing servicing costs. The role of managed accounts in simplifying processes and improving client outcomes. Why advisers should seek technology partners that facilitate consistency and simplicity and how this can boost profitability.…
In a rapidly evolving financial landscape, cryptocurrency continues to carve out its niche, particularly within the realm of SMSFs. In this SMSF Adviser podcast, host Keith Ford speaks with Simon Ho, the COO and head of SMSF at CoinStash, about how SMSFs can safely utilise cryptocurrencies as part of their investment portfolio. In this episode, they discuss: The difference between an investor and a trader and differing tax treatments. The importance of clear reporting and compliance. Methods for gaining exposure to crypto assets. Strategies to contend with market volatility.…
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Financial Services Podcast Network
In this episode of Relative Return Unplugged, hosts Maja Garaca Djurdjevic and Keith Ford are joined by special guest Shane Oliver, chief economist at AMP, to break down what’s happening with the Trump trade and the broader global economy, and what it means for Australia. Markets reacted quickly when it became clear that Donald Trump was set to win the US presidential election, with many seeking to capitalise on the expected corporate tax cuts and tariff hikes. However, messier economic conditions than in 2016 have dampened the party in some areas. We take a look at the potential for volatility on the back of ongoing trade tensions between the US and China, whether the global economy will fare as poorly as some forecasts indicate, and how the Australian market is reacting to events both globally and locally. Tune in to hear: Why tampering with the Future Fund’s mandate could be a slippery slope that ultimately compromises returns. Whether the government’s big-spending budgets have hindered efforts to curb inflation. What to expect from the Reserve Bank of Australia ahead of the upcoming federal election.…
In this episode of The ifa Show, co-hosts Keith Ford and Maja Garaca Djurdjevic sit down to discuss tranche two of the Delivering Better Financial Outcomes legislation and Liberal senator Andrew Bragg’s admonishment of the government for the ever-extending timeline to deliver a draft of the legislation. Together, the pair delve into the potential impact of Australia’s 2025 federal election and how politics are playing a role in the legislative process, suggesting financial services could become a key battleground as the election nears. Listen as they discuss: The private member’s bill hoping to provide advisers a reprieve from onerous statements of advice. Advisers who are left in a state of limbo as they await legislative change. The Compensation Scheme of Last Resort and the ongoing battle against Dixon Advisory.…
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Financial Services Podcast Network
In this episode, hosts Maja Garaca Djurdjevic and Keith Ford take a look at what’s making news in the investment world, from President-elect Donald Trump’s cabinet nominations to Cbus fronting up to a Senate inquiry. Trump has remained in the news in the week since he cruised to victory in the US presidential election as more major figures in the world of finance weigh in on what his inflationary policies could mean for global economies. We’ll discuss what Trump’s picks for secretary appointments could signal going forward and likely policy impacts, breaking down Future Fund CEO Raphael Arndt’s take on a Trump presidency, and the surging price of crypto in the wake of a Republican sweep. Tune in as we also unpack embattled super fund Cbus’ appearance before a Senate committee and the Australian Securities and Investments Commission’s newly launched lawsuit against the trustee.…
In this episode of The ifa Show, host Keith Ford is joined by Conrad Travers, director and principal consultant at Tangelo Advice Consulting, to discuss the ATO’s final determination on tax deductibility of advice fees and how advice firms can put the changes into practice to benefit their clients. Travers explains how the new guidance works, what has changed from the draft determination that was released last year, and why it is important to work alongside accounting professionals to ensure the best outcomes for clients. Listen as they discuss: Why advice firms need to identify areas of friction in their processes to enhance their operational efficiency. How to get your practice ready for the changes coming out of the first Delivering Better Financial Outcomes (DBFO) legislation. What to expect from the second tranche of DBFO and why you shouldn’t rely on regulatory change to improve your practice.…
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Financial Services Podcast Network
In this episode of Relative Return, host Laura Dew speaks with Eric Braz, MFS portfolio manager on the global small and mid-cap fund, the MFS Global New Discovery Strategy, to discuss the power of small and mid-cap investing in today’s global markets. Listen as they discuss: The importance of a broad, diversified portfolio. MFS’ key sources of investment ideas. Why an active, global approach matters in this asset class. The benefits of having a dedicated exposure to small and mid-caps. Where the exciting trends and opportunities are.…
In this episode of the SMSF Adviser Show, host Keith Ford is joined by Andrew McVeigh, managing partner at Remara, to discuss the changes within investment markets that SMSF professionals and investors should keep an eye on. McVeigh explains that Remara has seen the appetite for credit starting to slow, which he said the RBA would consider as it starts to look at potentially cutting rates, while equity markets have been volatile, leading to some good opportunities, some bad opportunities, and a lot of sideways movement. Listen as they discuss: The launch of the Remara Opportunistic Development Fund. Limitations on how SMSFs can invest in different asset classes. Navigating the complexities of the current market and utilising funds to reduce risk.…
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Financial Services Podcast Network
In this episode, hosts Maja Garaca Djurdjevic and Keith Ford are joined by special guest Steve Kuper to dive deep into the recent US election results and what they mean for the world. With Donald Trump reclaiming the presidency in a sweeping victory, we examine the global implications from both a geopolitical and economic perspective. We’ll discuss how Trump’s campaign strategies resonated so strongly with voters, the missteps that left the Democrats struggling to connect, and Kamala Harris’ challenge in defining her own path apart from President Joe Biden. Tune in as we unpack what went right – and wrong – on both sides of the aisle, and what it could mean for allies, adversaries, and markets worldwide.…
In this episode of The ifa Show, host Keith Ford is joined by Dr Ben Neilson, a financial adviser from Complete Wealth, to discuss a new framework for advice – developed through his recently completed PhD – focusing on six critical barriers: professionalism, trust, engagement, comprehension, costs, and serviceability. Neilson discusses the role of technology in improving efficiency in the advice process and the need to outsource administrative tasks to increase client capacity and reduce the cost to serve. Listen as they discuss: The key barriers impacting financial advisers. How firms can act to reduce the cost of advice. The perception of financial advice as a profession.…
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Financial Services Podcast Network
In this episode of Relative Return Unplugged, hosts Maja Garaca Djurdjevic and Keith Ford are joined by special guest Stephen Miller, market strategist at GSFM, to unpack the latest inflation figures and what they could mean for the RBA’s coming rate decisions. Australia’s latest consumer price index print has seen inflation drop to 2.8 per cent over the past 12 months to September, bolstered by temporary government subsidies, while annual trimmed mean inflation remained at 3.5 per cent, which places the Reserve Bank in a cautious stance on rate cuts. We take a look at what the latest numbers say about the broader Australian economy and how the RBA is likely to respond, as well as comparing the Aussie central bank’s rate decisions with global counterparts and whether it made the right call when it was raising rates. Tune in to hear: How the competing duties of governments and central banks can result in tension. Why the headline inflation number tells a misleading story. What the future holds for rates as inflation remains sticky.…
In this episode of The ifa Show, host Maja Garaca Djurdjevic is joined by specialist financial adviser Nathan Fradley to discuss the growing importance of aged care advice in Australia as the population gets older, and the need for specialised knowledge to successfully handle complexities of Australia's aged care system. Fradley discusses his journey to aged care advice, the challenges of navigating complicated relationship dynamics, and what can happen when people receive incorrect advice. Listen as they discuss: The emotional side of aged care advice. Unique challenges of advising clients on aged care and retirement. The evolving landscape of aged care legislation.…
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Financial Services Podcast Network
In this special episode of the SMSF Adviser Show, hosts Keith Ford and Aaron Dunn are joined by a pair of experts on the floor of the SMSF Adviser Technical Strategy Day to provide insight into some of the complex topics facing SMSF professionals. Daniel Butler, director at DBA Lawyers, joins to discuss the changes to non-arm's length income and expense (NALI/E) rules, why there is still so much confusion, and the need to understand the grey area. Tim Miller, SMSF technical and education manager at Smarter SMSF, also joins the show to break down the importance of understanding the nuances of different contribution strategies and explain how his contributions matrix can help make things easier.…
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Financial Services Podcast Network
In this episode of Relative Return Unplugged, host Maja Garaca Djurdjevic, along with Momentum Media political commentator Liam Garman and special guest Shane Oliver, chief economist at AMP, dive into the looming US election and what it means for Australia’s economy. With less than two weeks until Americans head to the polls, the race between the candidates is tightening, particularly in crucial swing states. The stakes are high, not just for the US, but for global allies like Australia, which is keenly aware of how different policies might impact international economic relations. We take a look at the economic policies of the candidates, including Trump’s focus on lower corporate taxes and higher tariffs, compared with Harris’ emphasis on taxing the wealthy to fund social programs. Tune in to hear: Whether the election’s outcome will have as significant implications for markets and economic policy as many believe. Why there are concerns about the US’ growing budget deficit. How Australia’s alignment with US policies could complicate its relationship with China.…
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Financial Services Podcast Network
In this episode of Relative Return, host Maja Garaca Djurdjevic speaks with Grant Hackett, CEO of Generation Life, and Rebecca Pritchard, senior financial planner at Rising Tide Financial Services, to discuss the challenges posed by evolving superannuation and tax policies and how advisers can support clients in this shifting landscape. Together, they explore the key challenges these changes present for advisers and clients, and how financial professionals can navigate this new terrain to better serve their clients’ long-term financial goals. Tune in for expert insights into critical issues, including: The effects of recent regulatory changes on financial planning strategies. How superannuation reforms are transforming retirement planning. New research from Generation Life revealing that 75 per cent of Australians are concerned about their retirement savings. The evolving role of financial planners in helping clients navigate uncertainty. Effective strategies for sustaining client confidence during economic and policy shifts, and more.…
In this episode of The ifa Show, host Maja Garaca Djurdjevic is joined by Grant Hackett, CEO of Generation Life, and Rebecca Pritchard, senior financial planner at Rising Tide Financial Services, to discuss the increasingly complex financial landscape shaped by evolving superannuation and tax policies. Together, they explore the key challenges these changes present for advisers and clients, and how financial professionals can navigate this new terrain to better serve their clients’ long-term financial goals. Tune in for expert insights into critical issues, including: The effects of recent regulatory changes on financial planning strategies. How superannuation reforms are transforming retirement planning. New research from Generation Life revealing that 75 per cent of Australians are concerned about their retirement savings. · The evolving role of financial planners in helping clients navigate uncertainty. Effective strategies for sustaining client confidence during economic and policy shifts, and more.…
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Financial Services Podcast Network
In this episode of Relative Return Unplugged, hosts Maja Garaca Djurdjevic and Keith Ford, along with special guest Steve Kuper, dive into the burgeoning world of defence ETFs in Australia and take a look at what is driving this sudden emergence. We explore the current state of global military power structures and how a range of factors are influencing defence spending among both the large powers and their smaller counterparts. Viewing this from an investment market perspective, we break down the almost inevitable move from investment managers to launch defence-related ETFs. Comparing the new defence ETFs launched by VanEck (DFND), Betashares (ARMR), and Global X (DTEC), we look at the key differentiators across the market and which technologies and regions they are focused on. Tune in to hear: How a new era of conflict and defence spending is affecting global markets and investor behaviour. The ethical considerations of investing in defence and military companies. Whether defence investment is sustainable in the long term. The potential risks of volatility in defence stocks over time.…
In this episode of Relative Return, host Laura Dew speaks with Anne Fuchs, executive general manager of advice, guidance and education at Australian Retirement Trust, to discuss how the fund is helping its 2.4 million members. Listen as they discuss: The progress of the QSuper and Sunsuper merger. Helping its 2.4 million members access financial advice. Keeping members engaged with their superannuation. Legislative priorities in the super space. The next developments for ART.…
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Financial Services Podcast Network
Welcome to the inaugural episode of Relative Return Unplugged, where we dive into one of the most pressing issues in Australia's financial landscape - the future of the Reserve Bank of Australia (RBA). In this episode, hosts Maja Garaca Djurdjevic and Keith Ford, along with special guest Liam Garman, tackle the rising scrutiny surrounding the RBA and whether its independence is at risk. We explore the RBA review findings and the controversial proposal to restructure the bank into a two-board system. With recent attacks from political parties and opposing views from key economists like Shane Oliver and Stephen Miller, we break down what’s really at stake. From internal challenges to political pressure and the push for a change in board governance, this episode delivers insights and analysis on whether the RBA’s authority is being eroded—and what the future might hold for Australia’s central bank. Tune in to hear: The proposed reforms to the RBA’s governance structure. Why political parties are divided on these changes. The impact of these proposals on the RBA’s decision-making process. The bigger picture: Is the RBA’s independence truly being tested?…
In this episode of The ifa Show, host Maja Garaca Djurdjevic is joined by ifa deputy editor Keith Ford to discuss a range of issues within the financial advice space, including the opposition’s strong statement on delays to implementing the Quality of Advice Review’s (QAR) recommendations. The pair delve into shadow financial services minister Luke Howarth’s criticism of the government due to the lack of movement on the second tranche of the Delivering Better Financial Outcomes (DBFO) bill, despite the final QAR report being handed down more than 650 days ago. Listen as they discuss: Whether there is still time for DBFO tranche two legislation to be delivered. The public inquiry into the Compensation Scheme of Last Resort, Dixon Advisory and wealth management companies. Super funds embracing digital advice and the response from the advice community.…
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Financial Services Podcast Network
In this episode of The ifa Show, host Keith Ford is joined by Dawn Thomas, a senior wealth adviser with The Wealth Designers, to explore the challenges of completing a PhD while continuing to work as a financial adviser, as well as the ongoing challenges that the profession faces. Thomas discusses her PhD on Generation Z’s initial experience with superannuation, and the heavy workload of pursuing her research while balancing work and family obligations. She also shares why she believes that combining her academic background with her practical experience will enhance her expertise and help improve financial literacy among younger individuals, ultimately fostering greater engagement with the superannuation system. Listen as they discuss: The sacrifices she’s making to complete her PhD. Advisers’ struggle to be viewed as a profession. Improving people’s engagement with their super, and more.…
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Financial Services Podcast Network
1 SMSF: Unpacking the data – what’s happening in the SMSF sector from a statistical standpoint 44:32
In this episode of the SMSF Adviser Show, hosts Keith Ford and Aaron Dunn are joined by Tim Steele, general manager at Class, to dig down on the information that came out of the annual Class Annual Benchmark Report . The report is an annual snapshot from a macro standpoint of how the SMSF sector is developing, using data from the Class Super platform, which is representative of the broader Australian SMSF market. This year’s report highlights several trends that are likely to influence the future of the sector. Listen as they discuss: • The continued growth of the sector and its projections • The unmet advice needs of SMSF members • How the proposed Div 296 may impact funds • Transition to retirement strategies and their impacts…
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Financial Services Podcast Network
In this episode of Relative Return, host Maja Garaca Djurdjevic chats with Chris McGibbon, global head of real estate at Nuveen, about the long-term outlook and why the “knife has stopped falling” in property. Listen as they discuss: Real estate’s role in investor portfolios. Should investors take a diversified approach or focus on specific sectors? The benefits that property allocation brings to investors. The real estate market in Australian cities. Mitigating geopolitical risk in real estate.…
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Financial Services Podcast Network
In this episode of The ifa Show, host Keith Ford is joined by author and financial adviser Helen Baker to unpack the transformative potential of artificial intelligence (AI) and how financial advisers can highlight prime investment opportunities in the market. Baker identifies the industries set to benefit from AI for advisers looking to integrate these into client portfolios and the ethical concerns surrounding these new technologies. Listen as they discuss: The revolutionary benefits and potential dangers of AI. How clients can benefit from AI investments. The ESG considerations that advisers should keep in mind.…
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Financial Services Podcast Network
In this episode of The ifa Show, host Maja Garaca Djurdjevic is joined by Olympian and financial adviser at HLB Mann Judd Sarah Carli to discuss her experience at the 2024 Paris Olympics and the importance of being well prepared both on and off the track. Having competed in the 400-metre hurdles at the recently completed Paris Games, Carli explains the thought process of transitioning to retirement from athletics and dedicating more time to her financial advice career. Listen as they discuss: Readjusting to an office environment after competing in the Olympics. How a career as a track athlete has helped her become a better adviser and vice versa. Why financial advice is an appealing career for young people who may not know what it entails.…
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Financial Services Podcast Network
In this episode of the SMSF Adviser Show, hosts Keith Ford and Aaron Dunn are joined by Peter Johnson, director of Advisers Digest, to give a sneak peek at his upcoming session at the SMSF Adviser Technical Strategy Day and why it’s vital to understand the evolving needs of older clients. Johnson explains some of the opportunities that are available for older clients as the intersection between contributions and pensions grows and how to deal with uncertainty through careful forward planning. Listen as they discuss: How clients are trying to preserve as much of their SMSF assets to pass on to their children. The impact that the $3 million super tax will play in designing strategies. Why CGT should be top of mind for small-business owners well before they enter retirement.…
In this episode of The ifa Show, host Maja Garaca Djurdjevic and Eugene Ardino, CEO of Lifespan Financial Planning, explore the challenges that single adviser firms face and why they have an important place in the market. Ardino explains what the future holds for these firms and how reductions in red tape will make life easier, as well as how outsourcing arrangements can free the adviser to spend more time providing advice rather than in the back office dealing with admin tasks. Listen as they discuss: Why advisers need to decide early if they want to remain a single practitioner firm. The difference between working as an adviser and running an advice firm. How single practitioners can ensure they remain sustainable in the long run.…
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Financial Services Podcast Network
In this episode of the SMSF Adviser Show, hosts Keith Ford and Aaron Dunn are joined by Matthew Burgess, director of View Legal, to take a look at some of the estate planning considerations that SMSF professionals need to keep top of mind. Burgess explains why the outcomes of a number of recent court cases hold valuable information for everyone in the SMSF sector, as well as highlighting the importance of professionals ensuring they work together to reach the best outcome for their clients. Listen as they discuss: Why a project manager role is vital when professionals collaborate on a client’s estate planning. What SMSF advisers can learn from the mistakes of others. How taking a holistic approach can help avoid pitfalls in the estate planning process.…
In this episode of The ifa show, host Maja Garaca Djurdjevic and Matt Esler, co-founder and co-CEO of Padua, explore how financial advisers can maximise the potential of their CRM systems. He emphasises that while CRMs are powerful tools, their effectiveness hinges on the quality of data input. Esler also discusses the importance of personalisation in client relationships, leveraging tools like Padua’s Discover and Research Manager to enhance the accuracy and relevance of financial advice. He concludes by reaffirming the evolving role of paraplanners, who will become more strategic in delivering better, faster advice. Don’t miss Esler’s expert tips on refining your CRM for greater success. CRM data gaps: CRM data often has gaps, limiting its effectiveness. Personalisation: Tools like Discover help personalise advice and updates. Client relationships: Better data leads to stronger client engagement and outcomes. Future trends: Embracing new tech and ISO-certified tools for enhanced financial insights.…
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Financial Services Podcast Network
In this episode of The ifa Show, host Keith Ford is joined by Lana Clark, founder of GSD Lab and senior consultant at Elixir Consulting, powered by VBP, to take an in-depth look at some of the key findings from the firm’s recently released Advice Operations Research Report. Clark breaks down the ingredients that make up the secret sauce of great advice firm operations, explaining the areas that the research found make the largest contribution to successful firms and how practice principals can ensure the business is ready for the future. Listen as they discuss: The importance of separating the role of practice manager as quickly as possible. How building a good culture is harder than it seems but is vital to business success. Why nailing down bulletproof processes within an advice firm is a fundamental step.…
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Financial Services Podcast Network
1 SMSF: 100th episode special – Peter Burgess on the glimmer of hope for $3m super tax changes 44:51
In this special episode of the SMSF Adviser Show, hosts Keith Ford and Aaron Dunn celebrate the 100th episode of the podcast with a discussion of how the sector has changed over the last four years. SMSF Association CEO Peter Burgess also joins the show to break down the current state of the $3 million super tax bill and why the growing support for amendments to the legislation is a positive sign that the controversial elements, such as taxation of unrealised gains and the lack of indexation, might be fixed. Listen as they discuss: What the SMSF Association wants to see happen with Div 296 and why the current delays could be a good thing. How SMSF professionals can deal with the uncertainty that currently pervades the regulatory landscape. Whether there could be changes to the recent code of conduct for tax practitioners determination.…
In this episode of The ifa Show, host Keith Ford is joined by Neil Younger, CEO of Entireti, to discuss the firm’s recently announced strategic partnership that will see Entireti take a majority stake in AMP’s three licensees and the Jigsaw offering. Younger explains how the move will impact the advisers moving across as well as what the deal means for the broader advice landscape. He also covers what the future looks like for licensees, and whether this period of consolidation among the larger licensees is set to continue. Listen as they discuss: Why the growing trend of firms self-licensing is a positive when done for the right reasons. What the upcoming second tranche of advice legislation needs to include. How the CSLR is affecting the advice community and whether it can be fixed.…
In this episode of Relative Return, host Laura Dew chats with Kellie Wood, head of fixed income and deputy head of fixed income and multi-asset at Schroders Australia, to discuss why fixed income is returning to favour after a 12-year wait. Listen as they discuss: Why fixed income is in a good position now. The unique challenge in Australia’s economic environment versus other markets. Its favoured fixed income asset classes. The merger of Schroders’ multi-asset and fixed income teams. Her 25 years in fund management and challenges she faced.…
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Financial Services Podcast Network
In this episode of The ifa Show, host Keith Ford is joined by Ryan Watson, chief executive of Tribeca Financial, to discuss the importance of bringing more advisers into the profession and why he believes there is currently an incredible opportunity to help people through financial advice. Watson covers the advice firm’s recent expansion with a new Sydney office, how Tribeca goes about attracting talent, and why growth and removing friction from the advice process is an opportunity to help more Australians access a financial adviser. Listen as they discuss: Why there has never been a better time to be in financial advice. The freedom, flexibility, and responsibilities that come with holding an AFSL. Why value-based pricing and truly client-centric advice is the best way forward.…
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Financial Services Podcast Network
In this episode of the SMSF Adviser Show, hosts Keith Ford and Aaron Dunn are joined by Chris Hill, co-founder – legal at Inherit Australia, to dive into all of the issues and challenges that can arise when an enduring power of attorney and an SMSF collide. Hill explains why SMSF professionals need to have discussions with their clients around incapacity and estate planning so they aren’t caught out when the time comes, particularly when they may not be aware that power of attorney can also come with SMSF trustee responsibilities. Listen as they discuss: The role of an enduring power of attorney in the context of the definition of a SMSF. Why setting up a trusted professional as a “fund guardian” is an important consideration. How the two roles can work together in the member’s best interests.…
In this episode of Relative Return, host Laura Dew speaks with Michael Hunstad, deputy chief investment officer and chief investment officer of global equities at Northern Trust Asset Management, to debunk myths around index investing. Listen as they discuss: Misconceptions around index investing. Impacts of market volatility on index funds. Why “passive” investing requires active choices. Risks presented by the options. Factors to consider when selecting a fund.…
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Financial Services Podcast Network
In this episode of The ifa Show, host Keith Ford is joined by Ben Marshan, director of Ben Marshan Consulting, to break down how the Delivering Better Financial Outcomes reforms will impact advisers and how they can look beyond the shifting regulatory landscape to improve their businesses. Marshan explains how the ongoing financial services reforms have stacked on top of each other to create the unwieldy situation the sector finds itself in, and why streamlining labyrinthine regulation could be an impossible task. Listen as they discuss: How advisers can help their clients find purpose as they enter retirement. Why a new class of advisers shouldn’t be viewed as an attack on professional advisers. The importance of cutting down on unnecessary compliance steps that are no longer needed.…
In this episode of Relative Return, host Maja Garaca Djurdjevic chats with Robin Tsui, APAC gold strategist at State Street Global Advisors, to discuss gold’s role as a diversifier in portfolios. Listen as they discuss: The recent performance of gold. Factors driving increased gold demand The effect of geopolitical risk. Why market risk makes diversification important? How gold can be accessed in portfolios. [Disclosure] Timestamp references 1:55 - Source: State Street Global Advisors, Bloomberg Finance L.P. 11:10-12:00 – Source: State Street Global Advisors, World Gold Council State Street Global Advisors, Australia, Limited (AFSL Number 238276, ABN 42 003 914 225) (“SSGA Australia”). Registered office: Level 14, 420 George Street, Sydney, NSW 2000, Australia · Telephone: +612 9240-7600 · Web: ssga.com . Investing involves risk including the risk of loss of principal. Diversification does not ensure a profit or guarantee against loss. Commodities investing entail significant risk as commodity prices can be extremely volatile due to wide range of factors. A few such factors include overall market movements, real or perceived inflationary trends, commodity index volatility, international, economic and political changes, change in interest and currency exchange rates. Past performance is not a reliable indicator of future performance. Assets may be considered “safe havens” based on investor perception that an asset’s value will hold steady or climb even as the value of other investments drops during times of economic stress. Perceived safe-haven assets are not guaranteed to maintain value at any time. This material is general information only and does not take into account your individual objectives, financial situation or needs and you should consider whether it is appropriate for you. There is no representation or warranty as to the current accuracy of, nor liability for, decisions based on such information. The views expressed in this material are the views of Robin Tsui through the period ended 17 July 2024 and are subject to change based on market and other conditions. This document contains certain statements that may be deemed forward-looking statements. Please note that any such statements are not guarantees of any future performance and actual results or developments may differ materially from those projected. The whole or any part of this work may not be reproduced, copied or transmitted or any of its contents disclosed to third parties without SSGA Australia’s express written consent.…
In this episode of The ifa Show, host Keith Ford is joined by Matt Hale, senior financial planner and director at Rising Tide Financial Services, to discuss where the advice profession is heading and the pressures that are impacting the provision of advice. Hale explains how Rising Tide found its core client base and moulded its offering around their needs as well as the importance of attracting a younger cohort of advisers and the difficulties that can arise in doing so. Listen as they discuss: • Why it is important to not get too wrapped up in regulatory changes until they actually happen. • How advice firms can look to improve business processes for greater efficiency. • The key role compliance plays when running an advice firm.…
In this episode of the SMSF Adviser Show, hosts Keith Ford and Aaron Dunn are joined by Craig Day, head of technical services at Colonial First State, to discuss the nuances surrounding invalidity for SMSF trustees and members. Day breaks down some of the positives and negatives of holding TPD insurance within an SMSF and explains what advisers who may be recommending their clients go down this path need to understand. Listen as they discuss: • The most pressing considerations around invalidity and SMSFs. • Why it is important to understand the compliance rules related to SMSFs and insurance. • The role of beneficiaries in the context of recent legal challenges relating to spouses and de facto relationships.…
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Financial Services Podcast Network
In this episode of The ifa Show, host Keith Ford is joined by experienced financial services executive Tony Beaven to take a look at the similarities and differences between the UK and Australian financial advice sectors – and what each can learn from one another. Beaven, who has worked in advice businesses across both countries, explains how the regulators across these jurisdictions work together to improve their processes and how the Financial Conduct Authority in the UK works could inform the future of Australian advice regulation. Listen as they discuss: The place of robo-advice in reducing the advice gap. Why self-licensed advice firms need to fully understand the responsibilities that come along with it. How lowering the education benchmark for a new class of advisers could undermine professionalism.…
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Financial Services Podcast Network
In this episode of The ifa Show, host Keith Ford is joined by managing director of WT Financial Group Keith Cullen to discuss the recent passage of the first Delivering Better Financial Outcomes bill and the need to expand the advice profession. Cullen explains how advisers engaging with the political process delivered a tangible outcome in the amendments that were made to section 99FA, and why he believes the next tranche of legislation needs to include practical ways for advice firms to incorporate the proposed new class of advisers into their businesses. Listen as they discuss: The Senate’s recent report on ASIC and its recommendation to overhaul the way the industry funding model operates. Why it is vital that the profession finds new ways to bring talent into advice. The case for licensees taking on a greater share of the ASIC levy.…
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Financial Services Podcast Network
In this special budget episode, hosts Keith Ford and Aaron Dunn discuss the flurry of activity happening on the regulatory front – and the noticeable absence of the $3 million super tax from the final two sitting weeks of Parliament. They discuss what has led to the debate over Division 296 being delayed, including the government’s increasingly precarious position in the Senate, as well as some of the recent changes that will have a more tangible impact in the short term, such as the ATO’s update to its tax ruling on pensions commencing and ceasing. Listen as they discuss: The Senate’s recent report on ASIC and its recommendation to overhaul the way the industry funding model operates. How TR 2013/5 will operate and what SMSFs need to know. The changes to NALI and the impact it will have on SMSF members.…
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