Ensombl Advice Australia

This week we cover US Federal Chair Jerome Powell, US Manufacturing PMIs, Telix pharmaceutical and Uniti Group. <p>This market highlight is proudly brought to by Milford https://milfordasset.com.au/</p> <p>Join the XY platform:<br /> App Store: http://co.xyadviser.com/xyistore<br /> Google Play: http://co.xyadviser.com/xygplay<br /> Desktop: https://www.xyadviser.com/</p> <p>General Disclaimer – https://www.xyadviser.com/disclaimer/</p>

<p>Trish is a Financial Planner at Fox & Hare Wealth and host of the MilSpouse Money podcast. She and Jess discuss parental leave policy, and how the advice industry could change to better support expecting advisers. Trish Gregory LinkedIn: https://www.linkedin.com/in/trish-gregory-finance/<br /> Fox & Hare Wealth Website: https://foxandharewealth.com/<br /> MilSpouse Money Podcast: https://podcasts.apple.com/au/podcast/milspouse-money/id1542016079</p> <p>Brought to you by Zurich – When you recommend Zurich, you can do so with confidence. Visit https://www.zurich.com.au/</p> <p>Join the XY platform:<br /> App Store: http://co.xyadviser.com/xyistore<br /> Google Play: http://co.xyadviser.com/xygplay<br /> Desktop: https://www.xyadviser.com/</p> <p>General Disclaimer – https://www.xyadviser.com/disclaimer/</p>

Michael is the Founder of Human to Human. He returns to the XY Podcast to talk about building a motivated, success-driven team for your practice. <p>Michael Back XY: https://www1.xyadviser.com/members/2243422<br /> Michael Back LinkedIn: https://www.linkedin.com/in/michaeljback/<br /> Human to Human Website: https://humantohuman.com.au/</p> <p>Brought to you by Zurich – When you recommend Zurich, you can do so with confidence. Visit https://www.zurich.com.au/</p> <p>Join the XY platform:<br /> App Store: http://co.xyadviser.com/xyistore<br /> Google Play: http://co.xyadviser.com/xygplay<br /> Desktop: https://www.xyadviser.com/</p> <p>General Disclaimer – https://www.xyadviser.com/disclaimer/</p>

This week we cover the FOMC, the continuing impacts of the Russian invasion of Ukraine, Chinese equity markets and Australian Employment Data. <p>This market highlight is proudly brought to by Milford https://milfordasset.com.au/</p> <p>Join the XY platform:<br /> App Store: http://co.xyadviser.com/xyistore<br /> Google Play: http://co.xyadviser.com/xygplay<br /> Desktop: https://www.xyadviser.com/</p> <p>General Disclaimer – https://www.xyadviser.com/disclaimer/</p>

Lucinda is the Head Copywriter and Founder at Starr Studio. She and Jess chat all things copywriting, and how to use great copy to help create better businesses and better lives. <p>Lucinda Starr LinkedIn: https://www.linkedin.com/in/lucindastarr/<br /> Starr Studio Website: https://www.starrstudio.com.au/</p> <p>Brought to you by Zurich – When you recommend Zurich, you can do so with confidence. Visit https://www.zurich.com.au/</p> <p>Join the XY platform:<br /> App Store: http://co.xyadviser.com/xyistore<br /> Google Play: http://co.xyadviser.com/xygplay<br /> Desktop: https://www.xyadviser.com/</p> <p>General Disclaimer – https://www.xyadviser.com/disclaimer/</p>

<p>In this first episode we explore the different "Behavioural Bias" in investment decisions, from recognising them to discussing them with your clients.</p> <p>To learn more about Innova and how we can support your business please visit http://www.innovaam.com.au/</p> <p>Patricia Garcia <br /> Director and Financial Adviser at Your Vision Financial Solutions, Co-Founder of Integrate Finance.<br /> Patricia Garcia LinkedIn: https://www.linkedin.com/in/patriciagarciafinancialadviser/<br /> Your Vision Financial Solutions Website: https://yourvisionfinancial.com.au/<br /> Integrate Finance Website: https://integratefinance.com.au/</p> <p>Dr. Katherine Hunt <br /> Lecturer in Financial PlanningLecturer in Financial Planning at Griffith University, Advisor at Little Phil.<br /> Dr. Katherine Hunt LinkedIn: https://www.linkedin.com/in/drkatherinehunt/<br /> Griffith University Profile: https://experts.griffith.edu.au/8618-katherine-hunt<br /> Little Phil Website: https://www.littlephil.org/</p> <p>David Bell<br /> Executive Director at The Conexus Institute<br /> David Bell LinkedIn: https://www.linkedin.com/in/david-bell-31406565/<br /> The Conexus Institute Website: https://theconexusinstitute.org.au/</p> <p>Dan Miles<br /> Managing Director & Co-Chief Investment Officer at Innova Asset Management<br /> Dan Miles LinkedIn: https://www.linkedin.com/in/dan-miles-b264358a/<br /> Innova Asset Management Website: http://www.innovaam.com.au/</p> <p>Join the XY platform:<br /> App Store: http://co.xyadviser.com/xyistore<br /> Google Play: http://co.xyadviser.com/xygplay<br /> Desktop: https://www.xyadviser.com/</p> <p>General Disclaimer – https://www.xyadviser.com/disclaimer/</p>

<p>In this episode we cover Goals-Based Investing, from the adviser's discussions with clients to how fund managers can take on a goals-based approach.</p> <p>To learn more about Innova and how we can support your business please visit http://www.innovaam.com.au/</p> <p>Patricia Garcia <br /> Director and Financial Adviser at Your Vision Financial Solutions, Co-Founder of Integrate Finance.<br /> Patricia Garcia LinkedIn: https://www.linkedin.com/in/patriciagarciafinancialadviser/<br /> Your Vision Financial Solutions Website: https://yourvisionfinancial.com.au/<br /> Integrate Finance Website: https://integratefinance.com.au/</p> <p>Dr. Katherine Hunt <br /> Lecturer in Financial PlanningLecturer in Financial Planning at Griffith University, Advisor at Little Phil.<br /> Dr. Katherine Hunt LinkedIn: https://www.linkedin.com/in/drkatherinehunt/<br /> Griffith University Profile: https://experts.griffith.edu.au/8618-katherine-hunt<br /> Little Phil Website: https://www.littlephil.org/</p> <p>David Bell<br /> Executive Director at The Conexus Institute<br /> David Bell LinkedIn: https://www.linkedin.com/in/david-bell-31406565/<br /> The Conexus Institute Website: https://theconexusinstitute.org.au/</p> <p>Dan Miles<br /> Managing Director & Co-Chief Investment Officer at Innova Asset Management<br /> Dan Miles LinkedIn: https://www.linkedin.com/in/dan-miles-b264358a/<br /> Innova Asset Management Website: http://www.innovaam.com.au/</p> <p>Join the XY platform:<br /> App Store: http://co.xyadviser.com/xyistore<br /> Google Play: http://co.xyadviser.com/xygplay<br /> Desktop: https://www.xyadviser.com/</p> <p>General Disclaimer – https://www.xyadviser.com/disclaimer/</p>

<p>In this third instalment we tackle values-based decision making, from understanding what motivates your client's actions and behaviours to finding investments that reflect your client's goals and values.</p> <p>To learn more about Innova and how we can support your business please visit http://www.innovaam.com.au/</p> <p>Patricia Garcia <br /> Director and Financial Adviser at Your Vision Financial Solutions, Co-Founder of Integrate Finance.<br /> Patricia Garcia LinkedIn: https://www.linkedin.com/in/patriciagarciafinancialadviser/<br /> Your Vision Financial Solutions Website: https://yourvisionfinancial.com.au/<br /> Integrate Finance Website: https://integratefinance.com.au/</p> <p>Dr. Katherine Hunt <br /> Lecturer in Financial PlanningLecturer in Financial Planning at Griffith University, Advisor at Little Phil.<br /> Dr. Katherine Hunt LinkedIn: https://www.linkedin.com/in/drkatherinehunt/<br /> Griffith University Profile: https://experts.griffith.edu.au/8618-katherine-hunt<br /> Little Phil Website: https://www.littlephil.org/</p> <p>David Bell<br /> Executive Director at The Conexus Institute<br /> David Bell LinkedIn: https://www.linkedin.com/in/david-bell-31406565/<br /> The Conexus Institute Website: https://theconexusinstitute.org.au/</p> <p>Dan Miles<br /> Managing Director & Co-Chief Investment Officer at Innova Asset Management<br /> Dan Miles LinkedIn: https://www.linkedin.com/in/dan-miles-b264358a/<br /> Innova Asset Management Website: http://www.innovaam.com.au/</p> <p>Join the XY platform:<br /> App Store: http://co.xyadviser.com/xyistore<br /> Google Play: http://co.xyadviser.com/xygplay<br /> Desktop: https://www.xyadviser.com/</p> <p>General Disclaimer – https://www.xyadviser.com/disclaimer/</p>

<p>In this episode we discuss Risk Profiling and Advisers Investment Philosophy, including where we can start, and where we should stop.</p> <p>To learn more about Innova and how we can support your business please visit http://www.innovaam.com.au/</p> <p>Patricia Garcia <br /> Director and Financial Adviser at Your Vision Financial Solutions, Co-Founder of Integrate Finance.<br /> Patricia Garcia LinkedIn: https://www.linkedin.com/in/patriciagarciafinancialadviser/<br /> Your Vision Financial Solutions Website: https://yourvisionfinancial.com.au/<br /> Integrate Finance Website: https://integratefinance.com.au/</p> <p>Dr. Katherine Hunt <br /> Lecturer in Financial PlanningLecturer in Financial Planning at Griffith University, Advisor at Little Phil.<br /> Dr. Katherine Hunt LinkedIn: https://www.linkedin.com/in/drkatherinehunt/<br /> Griffith University Profile: https://experts.griffith.edu.au/8618-katherine-hunt<br /> Little Phil Website: https://www.littlephil.org/</p> <p>David Bell<br /> Executive Director at The Conexus Institute<br /> David Bell LinkedIn: https://www.linkedin.com/in/david-bell-31406565/<br /> The Conexus Institute Website: https://theconexusinstitute.org.au/</p> <p>Dan Miles<br /> Managing Director & Co-Chief Investment Officer at Innova Asset Management<br /> Dan Miles LinkedIn: https://www.linkedin.com/in/dan-miles-b264358a/<br /> Innova Asset Management Website: http://www.innovaam.com.au/</p> <p>Join the XY platform:<br /> App Store: http://co.xyadviser.com/xyistore<br /> Google Play: http://co.xyadviser.com/xygplay<br /> Desktop: https://www.xyadviser.com/</p> <p>General Disclaimer – https://www.xyadviser.com/disclaimer/</p>

<p>In this final episode rounding out the series we take on "Not So Modern" Portfolio Theory, where we discuss the Traditional Strategic Asset Allocation (or SAA) and how it compares with Dynamic or Risk Defined Portfolios, and what that means to your clients.</p> <p>To learn more about Innova and how we can support your business please visit http://www.innovaam.com.au/</p> <p>Patricia Garcia <br /> Director and Financial Adviser at Your Vision Financial Solutions, Co-Founder of Integrate Finance.<br /> Patricia Garcia LinkedIn: https://www.linkedin.com/in/patriciagarciafinancialadviser/<br /> Your Vision Financial Solutions Website: https://yourvisionfinancial.com.au/<br /> Integrate Finance Website: https://integratefinance.com.au/</p> <p>Dr. Katherine Hunt <br /> Lecturer in Financial PlanningLecturer in Financial Planning at Griffith University, Advisor at Little Phil.<br /> Dr. Katherine Hunt LinkedIn: https://www.linkedin.com/in/drkatherinehunt/<br /> Griffith University Profile: https://experts.griffith.edu.au/8618-katherine-hunt<br /> Little Phil Website: https://www.littlephil.org/</p> <p>David Bell<br /> Executive Director at The Conexus Institute<br /> David Bell LinkedIn: https://www.linkedin.com/in/david-bell-31406565/<br /> The Conexus Institute Website: https://theconexusinstitute.org.au/</p> <p>Dan Miles<br /> Managing Director & Co-Chief Investment Officer at Innova Asset Management<br /> Dan Miles LinkedIn: https://www.linkedin.com/in/dan-miles-b264358a/<br /> Innova Asset Management Website: http://www.innovaam.com.au/</p> <p>Join the XY platform:<br /> App Store: http://co.xyadviser.com/xyistore<br /> Google Play: http://co.xyadviser.com/xygplay<br /> Desktop: https://www.xyadviser.com/</p> <p>General Disclaimer – https://www.xyadviser.com/disclaimer/</p>

<p>Andrew is a Financial Adviser, Founder and Director at Peak Wealth Management. He returns to the XY Podcast after three years to discuss how his service solution has evolved since starting his business, and the lessons he's learned along the way.</p> <p>Andrew Debono LinkedIn: https://www.linkedin.com/in/andrewdebono/<br /> Peak Wealth Management Website: https://peakwm.com.au/</p> <p>Brought to you by Zurich – When you recommend Zurich, you can do so with confidence. Visit https://www.zurich.com.au/</p> <p>Join the XY platform:<br /> App Store: http://co.xyadviser.com/xyistore<br /> Google Play: http://co.xyadviser.com/xygplay<br /> Desktop: https://www.xyadviser.com/</p> <p>General Disclaimer – https://www.xyadviser.com/disclaimer/</p>

This week we cover the continuing impacts of the Russian invasion of Ukraine, US Inflation, RBA's views on Australian employment and inflation, Aristocrat Leisure, AGL Energy and Tsingshan. <p>This market highlight is proudly brought to by Milford https://milfordasset.com.au/</p> <p>Join the XY platform:<br /> App Store: http://co.xyadviser.com/xyistore<br /> Google Play: http://co.xyadviser.com/xygplay<br /> Desktop: https://www.xyadviser.com/</p> <p>General Disclaimer – https://www.xyadviser.com/disclaimer/</p>

Moo is the Director of Primary Prevention at Women's & Girls'​ Emergency Centre (WAGEC) and a strategic advisor on the development of Next Chapter, Commbank's financial abuse program. She and Jess discuss the red flags of financial abuse, and what advisers can do to help when they spot these red flags. <p>LinkedIn: https://www.linkedin.com/in/moobaulch/<br /> WAGEC Website: https://www.wagec.org.au/<br /> Commbank Next Chapter: https://www.commbank.com.au/support/next-chapter.html<br /> FW Podcast: https://futurewomen.com/theresnoplacelikehome/<br /> Deloitte Report: https://www.commbank.com.au/articles/newsroom/2022/02/next-chapter-commitment.html<br /> 1800 RESPECT: https://www.1800respect.org.au/</p> <p>Brought to you by Zurich – When you recommend Zurich, you can do so with confidence. Visit https://www.zurich.com.au/</p> <p>Join the XY platform:<br /> App Store: http://co.xyadviser.com/xyistore<br /> Google Play: http://co.xyadviser.com/xygplay<br /> Desktop: https://www.xyadviser.com/</p> <p>General Disclaimer – https://www.xyadviser.com/disclaimer/</p>

<p>Shaun is the Director and Principal Adviser at Hunt Wealth. He and Ben chat about the evolution of his business and client service solution, and what he's doing to further drive efficiency.</p> <p>Shaun Hunt LinkedIn: https://www.linkedin.com/in/shaunhunt1/<br /> Hunt Wealth Website: https://huntwealth.com.au/</p> <p>Brought to you by Zurich – When you recommend Zurich, you can do so with confidence. Visit https://www.zurich.com.au/</p> <p>Join the XY platform:<br /> App Store: http://co.xyadviser.com/xyistore<br /> Google Play: http://co.xyadviser.com/xygplay<br /> Desktop: https://www.xyadviser.com/</p> <p>General Disclaimer – https://www.xyadviser.com/disclaimer/</p> <p> </p>

<p>This week we cover the continuing impact of the Russian invasion of Ukraine, US non-farm payrolls, US ISM services data, and RBA's monthly monetary policy decision. This market highlight is proudly brought to by Milford https://milfordasset.com.au/</p> <p>Join the XY platform:<br /> App Store: http://co.xyadviser.com/xyistore<br /> Google Play: http://co.xyadviser.com/xygplay<br /> Desktop: https://www.xyadviser.com/</p> <p>General Disclaimer – https://www.xyadviser.com/disclaimer/</p>

<p>Fraser is XY Adviser's own Head of Media and Podcast Host. He catches up with Jess to pass the podcasting baton, and to discuss some of the exciting projects he's working on in 2022 and beyond.</p> <p>Fraser Jack XY: https://www1.xyadviser.com/members/2401465<br /> Fraser Jack LinkedIn: https://www.linkedin.com/in/fraserjack123/</p> <p>Brought to you by Zurich – When you recommend Zurich, you can do so with confidence. Visit https://www.zurich.com.au/</p> <p>Join the XY platform:<br /> App Store: http://co.xyadviser.com/xyistore<br /> Google Play: http://co.xyadviser.com/xygplay<br /> Desktop: https://www.xyadviser.com/</p> <p>General Disclaimer – https://www.xyadviser.com/disclaimer/</p>

In this first instalment, Fraser Jack is joined by Shan Chung, Client Development Manager from the Macquarie Virtual Adviser Network (VAN). They introduce the four success drivers of winning advice firms, and dive deep into the first two of those success drivers. You'll hear about formulating your business strategy, making better decisions and executing successfully, and the five steps to having a strong, differentiated proposition and delivering on your client promise. <p>Delivering on your client promise: 5 steps to success - https://www.macquarie.com.au/client-experience</p> <p>Shan Chung LinkedIn: https://www.linkedin.com/in/shan-chung-28102570/<br /> Macquarie Website: https://www.macquarie.com.au/advisers</p> <p>Join the XY platform:<br /> App Store: http://co.xyadviser.com/xyistore<br /> Google Play: http://co.xyadviser.com/xygplay<br /> Desktop: https://www.xyadviser.com/</p> <p>Macquarie Disclaimer: https://www.xyadviser.com/macquarie_disclaimer</p> <p>General Disclaimer – https://www.xyadviser.com/disclaimer/</p>

<p>Gavin is the CEO and Principal Financial Adviser at Your Wealth Hub Advice and Vinarc. He and Ben discuss the lessons he's learned around building a great performing team through preempting and avoiding systems and processes that bog down practices.</p> <p>Gavin Glozier LinkedIn: https://www.linkedin.com/in/gavinglozier/<br /> Your Wealth Hub Advice Website: https://www.yourwealthhubadvice.com/<br /> Vinarc Website: https://www.vinarc.com.au/</p> <p>Brought to you by Zurich – When you recommend Zurich, you can do so with confidence. Visit https://www.zurich.com.au/</p> <p>Join the XY platform:<br /> App Store: http://co.xyadviser.com/xyistore<br /> Google Play: http://co.xyadviser.com/xygplay<br /> Desktop: https://www.xyadviser.com/</p> <p>General Disclaimer – https://www.xyadviser.com/disclaimer/</p>

<p>This week we cover the market impacts of the Russian invasion of the Ukraine, including the impact on natural gas, crude oil and gold prices.</p> <p>This market highlight is proudly brought to by Milford https://milfordasset.com.au/</p> <p>Join the XY platform:<br /> App Store: http://co.xyadviser.com/xyistore<br /> Google Play: http://co.xyadviser.com/xygplay<br /> Desktop: https://www.xyadviser.com/</p> <p>General Disclaimer – https://www.xyadviser.com/disclaimer/</p>

Tim is the Chief Operating Officer at Virtual Business Partners. He joins Andrew to talk about his key observations as to what's currently working in the financial advice industry as a whole, and where practices are headed in the future. <p>Tim Farr LinkedIn: https://www.linkedin.com/in/farrtim/<br /> Virtual Business Partners Website: https://www.virtualbusinesspartners.com.au/</p> <p>This presentation is proudly brought to you by Holon. Visit us at www.holon.investments or follow us on LinkedIn. Invest different, with Holon.</p> <p>Join the XY platform:<br /> App Store: http://co.xyadviser.com/xyistore<br /> Google Play: http://co.xyadviser.com/xygplay<br /> Desktop: https://www.xyadviser.com/</p> <p>General Disclaimer – https://www.xyadviser.com/disclaimer/</p>

<p>Hugh is the Managing Director and Senior Financial Adviser at Centaur Financial Services. He sits down with Ben to talk about defining roles and setting expectations internally within the business to ensure the service agreement is met, and how the business has evolved as a result.</p> <p>Hugh Robertson LinkedIn: https://www.linkedin.com/in/hughrobertsoncfp/<br /> Centaur Financial Services: https://centaurfinancial.com.au/<br /> Hugh Robertson Website: https://hughrobertson.com.au/</p> <p>This presentation is proudly brought to you by Holon. Visit us at www.holon.investments or follow us on LinkedIn. Invest different, with Holon.</p> <p>Join the XY platform:<br /> App Store: http://co.xyadviser.com/xyistore<br /> Google Play: http://co.xyadviser.com/xygplay<br /> Desktop: https://www.xyadviser.com/</p> <p>General Disclaimer – https://www.xyadviser.com/disclaimer/</p>

This week we cover the market impacts of the geopolitical tensions in Eastern Europe, the US FOMC minutes, Australian and New Zealand Reporting Season, US Retail Sales Data and US PPI Data. <p>This market highlight is proudly brought to by Milford https://milfordasset.com.au/</p> <p>Join the XY platform:<br /> App Store: http://co.xyadviser.com/xyistore<br /> Google Play: http://co.xyadviser.com/xygplay<br /> Desktop: https://www.xyadviser.com/</p> <p>General Disclaimer – https://www.xyadviser.com/disclaimer/</p>

Corey is a Certified Financial Planner and co-founder at Verse Wealth. He chats with Ben about the skills he's gained around hiring well with consistency, and how his service solution has evolved over time. <p>Corey Wastle LinkedIn: https://www.linkedin.com/in/coreywastle/<br /> Corey Wastle XY: https://www1.xyadviser.com/members/2258095<br /> Verse Wealth Website: https://www.versewealth.com.au/</p> <p>This presentation is proudly brought to you by Holon. Visit us at www.holon.investments or follow us on LinkedIn. Invest different, with Holon.</p> <p>Join the XY platform:<br /> App Store: http://co.xyadviser.com/xyistore<br /> Google Play: http://co.xyadviser.com/xygplay<br /> Desktop: https://www.xyadviser.com/</p> <p>General Disclaimer – https://www.xyadviser.com/disclaimer/</p>

Kris is the Founding Partner at MBS Insurance. He joins Andrew to talk all things insurance, including where insurance companies are lacking in their dealing with advisers, and Kris's tips for working with claims. <p>Kris Mason LinkedIn: https://www.linkedin.com/in/kris-mason-69b08680/<br /> MBS Insurance Website: https://mbsinsurance.com.au/</p> <p>This presentation is proudly brought to you by Holon. Visit us at www.holon.investments or follow us on LinkedIn. Invest different, with Holon.</p> <p>Join the XY platform:<br /> App Store: http://co.xyadviser.com/xyistore<br /> Google Play: http://co.xyadviser.com/xygplay<br /> Desktop: https://www.xyadviser.com/</p> <p>General Disclaimer – https://www.xyadviser.com/disclaimer/</p>

James is a Principal at First Financial. He returns to the XY Podcast to discuss the lessons he's learned around building a great team, and how he's using TikTok to bring in new clients. <p>James Wrigley XY: https://www1.xyadviser.com/members/2920075<br /> LinkedIn: https://www.linkedin.com/in/james-wrigley/<br /> First Financial Website: https://firstfinancial.com.au/</p> <p>This presentation is proudly brought to you by Holon. Visit us at www.holon.investments or follow us on LinkedIn. Invest different, with Holon.</p> <p>Join the XY platform:<br /> App Store: http://co.xyadviser.com/xyistore<br /> Google Play: http://co.xyadviser.com/xygplay<br /> Desktop: https://www.xyadviser.com/</p> <p>General Disclaimer – https://www.xyadviser.com/disclaimer/</p>

Jonathan is the General Manager at Oreana Financial Services. He talks about the culture he brought to Oreana, the positive and negative impacts that COVID has had on the business, change fatigue and the future of advice. <p>Jonathan Christie LinkedIn: https://www.linkedin.com/in/jonathan-christie-a8807561<br /> Oreana Financial Services Website: https://www.oreanafinancial.com/</p> <p>This episode is proudly sponsored by First Sentier Investors. https://go.firstsentierinvestors.com/firstsentier</p> <p>Join the XY platform:<br /> App Store: http://co.xyadviser.com/xyistore<br /> Google Play: http://co.xyadviser.com/xygplay<br /> Desktop: https://www.xyadviser.com/</p> <p>General Disclaimer – https://www.xyadviser.com/disclaimer/</p>

<p>In this first installment we look back on how we got to where we are currently with Individual Disability Income Insurance, and the lessons we can learn from the past.</p> <p>MetLife. Life, inspired by you. For more information, speak to your local BDM or visit https://www.metlife.com.au/</p> <p>Cathy Kayess<br /> Financial Planner & Business Development at Affinitas Accounting<br /> Cathy Kayess XY: https://www1.xyadviser.com/members/2786338<br /> Affinitas Accounting Website: https://affinitasaccounting.com.au/</p> <p>John Cachia<br /> Founder and Strategic Wealth Adviser at AFA Group Wealth<br /> John Cachia XY: https://www1.xyadviser.com/members/2400932<br /> AFA Group Wealth Website: https://www.afagroupwealth.com.au/</p> <p>Serena West<br /> Partner and Senior Adviser at MBS Insurance WA<br /> Serena West LinkedIn: https://www.linkedin.com/in/serena-west-a2802152/<br /> MBS Insurance Website: https://mbsinsurance.com.au/</p> <p>Dr. Jeff Scott <br /> Head of Advice Strategy at MetLife<br /> Dr. Jeff Scott LinkedIn: https://www.linkedin.com/in/dr-jeffrey-scott-165762/<br /> Metlife Website: https://www.metlife.com.au/</p> <p>Join the XY platform:<br /> App Store: http://co.xyadviser.com/xyistore<br /> Google Play: http://co.xyadviser.com/xygplay<br /> Desktop: https://www.xyadviser.com/</p> <p>General Disclaimer – https://www.xyadviser.com/disclaimer/</p>

<p>In this episode, our panel discusses the new mindset advisers should adopt to move forward as we settle into the changes of IDII.</p> <p>MetLife. Life, inspired by you. For more information, speak to your local BDM or visit https://www.metlife.com.au/</p> <p>Cathy Kayess<br /> Financial Planner & Business Development at Affinitas Accounting<br /> Cathy Kayess XY: https://www1.xyadviser.com/members/2786338<br /> Affinitas Accounting Website: https://affinitasaccounting.com.au/</p> <p>John Cachia<br /> Founder and Strategic Wealth Adviser at AFA Group Wealth<br /> John Cachia XY: https://www1.xyadviser.com/members/2400932<br /> AFA Group Wealth Website: https://www.afagroupwealth.com.au/</p> <p>Serena West<br /> Partner and Senior Adviser at MBS Insurance WA<br /> Serena West LinkedIn: https://www.linkedin.com/in/serena-west-a2802152/<br /> MBS Insurance Website: https://mbsinsurance.com.au/</p> <p>Dr. Jeff Scott <br /> Head of Advice Strategy at MetLife<br /> Dr. Jeff Scott LinkedIn: https://www.linkedin.com/in/dr-jeffrey-scott-165762/<br /> Metlife Website: https://www.metlife.com.au/</p> <p>Join the XY platform:<br /> App Store: http://co.xyadviser.com/xyistore<br /> Google Play: http://co.xyadviser.com/xygplay<br /> Desktop: https://www.xyadviser.com/</p> <p>General Disclaimer – https://www.xyadviser.com/disclaimer/</p>

<p>In this installment we talk about the technical side of Income Protection product profitability, including the five levers that can be used to keep the products sustainable.</p> <p>MetLife. Life, inspired by you. For more information, speak to your local BDM or visit https://www.metlife.com.au/</p> <p>Cathy Kayess<br /> Financial Planner & Business Development at Affinitas Accounting<br /> Cathy Kayess XY: https://www1.xyadviser.com/members/2786338<br /> Affinitas Accounting Website: https://affinitasaccounting.com.au/</p> <p>John Cachia<br /> Founder and Strategic Wealth Adviser at AFA Group Wealth<br /> John Cachia XY: https://www1.xyadviser.com/members/2400932<br /> AFA Group Wealth Website: https://www.afagroupwealth.com.au/</p> <p>Serena West<br /> Partner and Senior Adviser at MBS Insurance WA<br /> Serena West LinkedIn: https://www.linkedin.com/in/serena-west-a2802152/<br /> MBS Insurance Website: https://mbsinsurance.com.au/</p> <p>Dr. Jeff Scott <br /> Head of Advice Strategy at MetLife<br /> Dr. Jeff Scott LinkedIn: https://www.linkedin.com/in/dr-jeffrey-scott-165762/<br /> Metlife Website: https://www.metlife.com.au/</p> <p>Join the XY platform:<br /> App Store: http://co.xyadviser.com/xyistore<br /> Google Play: http://co.xyadviser.com/xygplay<br /> Desktop: https://www.xyadviser.com/</p> <p>General Disclaimer – https://www.xyadviser.com/disclaimer/</p>

<p>In this episode we talk about the human side of IDII changes, from advisers and staff to claims teams and clients.</p> <p>MetLife. Life, inspired by you. For more information, speak to your local BDM or visit https://www.metlife.com.au/</p> <p>Cathy Kayess<br /> Financial Planner & Business Development at Affinitas Accounting<br /> Cathy Kayess XY: https://www1.xyadviser.com/members/2786338<br /> Affinitas Accounting Website: https://affinitasaccounting.com.au/</p> <p>John Cachia<br /> Founder and Strategic Wealth Adviser at AFA Group Wealth<br /> John Cachia XY: https://www1.xyadviser.com/members/2400932<br /> AFA Group Wealth Website: https://www.afagroupwealth.com.au/</p> <p>Serena West<br /> Partner and Senior Adviser at MBS Insurance WA<br /> Serena West LinkedIn: https://www.linkedin.com/in/serena-west-a2802152/<br /> MBS Insurance Website: https://mbsinsurance.com.au/</p> <p>Dr. Jeff Scott <br /> Head of Advice Strategy at MetLife<br /> Dr. Jeff Scott LinkedIn: https://www.linkedin.com/in/dr-jeffrey-scott-165762/<br /> Metlife Website: https://www.metlife.com.au/</p> <p>Join the XY platform:<br /> App Store: http://co.xyadviser.com/xyistore<br /> Google Play: http://co.xyadviser.com/xygplay<br /> Desktop: https://www.xyadviser.com/</p> <p>General Disclaimer – https://www.xyadviser.com/disclaimer/</p>

<p>In this final episode our panel discusses the future opportunities and threats during the final wave of changes.</p> <p>MetLife. Life, inspired by you. For more information, speak to your local BDM or visit https://www.metlife.com.au/</p> <p>Cathy Kayess<br /> Financial Planner & Business Development at Affinitas Accounting<br /> Cathy Kayess XY: https://www1.xyadviser.com/members/2786338<br /> Affinitas Accounting Website: https://affinitasaccounting.com.au/</p> <p>John Cachia<br /> Founder and Strategic Wealth Adviser at AFA Group Wealth<br /> John Cachia XY: https://www1.xyadviser.com/members/2400932<br /> AFA Group Wealth Website: https://www.afagroupwealth.com.au/</p> <p>Serena West<br /> Partner and Senior Adviser at MBS Insurance WA<br /> Serena West LinkedIn: https://www.linkedin.com/in/serena-west-a2802152/<br /> MBS Insurance Website: https://mbsinsurance.com.au/</p> <p>Dr. Jeff Scott <br /> Head of Advice Strategy at MetLife<br /> Dr. Jeff Scott LinkedIn: https://www.linkedin.com/in/dr-jeffrey-scott-165762/<br /> Metlife Website: https://www.metlife.com.au/</p> <p>Join the XY platform:<br /> App Store: http://co.xyadviser.com/xyistore<br /> Google Play: http://co.xyadviser.com/xygplay<br /> Desktop: https://www.xyadviser.com/</p> <p>General Disclaimer – https://www.xyadviser.com/disclaimer/</p>

<p>James is Head Coach at Sufficient Funds and "Australia's Most Relatable Money Guy". He talks with Ben about the decisions he made that have driven his business growth, and how to build a rock-solid team.</p> <p>James Millard XY: https://www1.xyadviser.com/members/2838349<br /> Sufficient Funds Website: https://sufficientfunds.com.au/</p> <p>This episode is proudly sponsored by First Sentier Investors. https://go.firstsentierinvestors.com/firstsentier</p> <p>Join the XY platform:<br /> App Store: http://co.xyadviser.com/xyistore<br /> Google Play: http://co.xyadviser.com/xygplay<br /> Desktop: https://www.xyadviser.com/</p> <p>General Disclaimer – https://www.xyadviser.com/disclaimer/</p>

<p>Dan is a Director and Life Risk Specialist at IMFG, the founder of Blatchy's Blues, and the winner of the 2021 ifa Risk Adviser of the Year Award. He chats about his business journey, from wanting to be a physio-therapist to ultimately landing in financial advice.</p> <p>Dan Blatch LinkedIn: https://www.linkedin.com/in/dan-blatch-604070a/<br /> IMFG Website: https://www.imfg.com.au/</p> <p>This episode is proudly sponsored by First Sentier Investors. https://go.firstsentierinvestors.com/firstsentier</p> <p>Join the XY platform:<br /> App Store: http://co.xyadviser.com/xyistore<br /> Google Play: http://co.xyadviser.com/xygplay<br /> Desktop: https://www.xyadviser.com/</p> <p>General Disclaimer – https://www.xyadviser.com/disclaimer/</p>

Thabojan is the Founder and Principal Adviser at Rasiah Private Wealth Management and Host of the Rich with Purpose Podcast. He joins Ben to talk about the "people side" of his business, and why building the right team is critical for delivery. <p>Thabojan Rasiah XY: https://www1.xyadviser.com/members/2401892<br /> Rasiah Private Wealth Management Website: https://www.rasiahprivate.com.au/</p> <p>This episode is proudly sponsored by First Sentier Investors. https://go.firstsentierinvestors.com/firstsentier</p> <p>Join the XY platform:<br /> App Store: http://co.xyadviser.com/xyistore<br /> Google Play: http://co.xyadviser.com/xygplay<br /> Desktop: https://www.xyadviser.com/</p> <p>General Disclaimer – https://www.xyadviser.com/disclaimer/</p>

<p>Adele is an award-winning Certified Financial Planner and the founder of The Savings Squad podcast and My Money Buddy. She returns to the XY Podcast to chat with Ben about her hacks for growing your business and team.</p> <p>Adele Martin XY: https://www1.xyadviser.com/members/2403682<br /> Adele Martin Website: https://www.adelemartin.com/</p> <p>This episode is proudly sponsored by First Sentier Investors. https://go.firstsentierinvestors.com/firstsentier</p> <p>Join the XY platform:<br /> App Store: http://co.xyadviser.com/xyistore<br /> Google Play: http://co.xyadviser.com/xygplay<br /> Desktop: https://www.xyadviser.com/</p> <p>General Disclaimer – https://www.xyadviser.com/disclaimer/</p>

<p>This week we cover the Federal Reserve committee meeting, UK inflation data, Australian employment data, IGO's acquisition of Western Areas, CSL's acquisition of Vifor Pharma, and the CFPB's inquiry into the "buy now, pay later" sector.</p> <p>This market highlight is proudly brought to by Milford https://milfordasset.com.au/</p> <p>Join the XY platform:<br /> App Store: http://co.xyadviser.com/xyistore<br /> Google Play: http://co.xyadviser.com/xygplay<br /> Desktop: https://www.xyadviser.com/</p> <p>General Disclaimer – https://www.xyadviser.com/disclaimer/</p>

<p>When we last caught up with Rachel, she had just started her own advice business, Flourix Wealth. Today, she joins Fraser to chat about how much it's grown and evolved in the last two and a half years.</p> <p>Rachel O'Connor LinkedIn: https://www.linkedin.com/in/rachel-o-connor-65b6a595/<br /> Flourix Wealth Website: https://flourix.com.au/</p> <p>This episode is proudly sponsored by First Sentier Investors. https://go.firstsentierinvestors.com/firstsentier</p> <p>Join the XY platform:<br /> App Store: http://co.xyadviser.com/xyistore<br /> Google Play: http://co.xyadviser.com/xygplay<br /> Desktop: https://www.xyadviser.com/</p> <p>General Disclaimer – https://www.xyadviser.com/disclaimer/</p>

<p>This week we cover US inflation, the US labour market, Consortium's Sydney Airport bid, Iron Gate, Shopping Centres Australia, Westpac, and Australian employment data.</p> <p>This market highlight is proudly brought to by Milford https://milfordasset.com.au/</p> <p>Join the XY platform:<br /> App Store: http://co.xyadviser.com/xyistore<br /> Google Play: http://co.xyadviser.com/xygplay<br /> Desktop: https://www.xyadviser.com/</p> <p>General Disclaimer – https://www.xyadviser.com/disclaimer/</p>

<p>Kate is the Managing Director at FP Assistant, which offers back office support for Financial Planners. She joins Fraser to chat about FP Assistant's Professional Year Structured Training Program: "The Financial Planning Academy".</p> <p>Kate Zerbst LinkedIn: https://www.linkedin.com/in/kate-zerbst-54234230/<br /> FP Assistant Website: https://fpassist.com.au/<br /> The Financial Planning Professional Year Hub: https://www.linkedin.com/groups/14028547/</p> <p>This episode is proudly sponsored by First Sentier Investors. https://go.firstsentierinvestors.com/l/37502/2021-12-02/xc17s6</p> <p>Join the XY platform:<br /> App Store: http://co.xyadviser.com/xyistore<br /> Google Play: http://co.xyadviser.com/xygplay<br /> Desktop: https://www.xyadviser.com/</p> <p>General Disclaimer – https://www.xyadviser.com/disclaimer/</p>

In this first episode in our Individual Disability Income Insurance series, we discuss how we go to October 2021, and the history of income protection. <p>To read more about AIA Australia's new income protection product, click here: https://www.aia.com.au/en/adviser/business-growth-hub/adviser-news/new-priority-protection-release-nov-21.html</p> <p>Katherine Hayes<br /> Director and Financial Advisor at Hayes & Co Insurance Services and Co-Founder of Money Madams<br /> Katherine Hayes LinkedIn: https://www.linkedin.com/in/katherine-hayes-44714830/<br /> Hayes & Co Website: http://hcis.com.au/</p> <p>Jeff Thurecht<br /> Director and Senior Financial Planner at Evalesco Financial Services<br /> Jeff Thurecht XY: https://www1.xyadviser.com/members/3556035<br /> Evalesco Website: https://evalesco.com.au/</p> <p>Natalie Cameron<br /> Lead Ombudsman for Investments and Advice at the Australian Financial Complaints Authority<br /> Natalie Cameron LinkedIn: https://www.linkedin.com/in/natalie-cameron/<br /> AFCA Website: https://www.afca.org.au/</p> <p>Benjamin Martin<br /> Senior Technical Manager at AIA Australia<br /> Benjamin Martin LinkedIn: https://www.linkedin.com/in/benjamin-martin-bb108729/<br /> AIA Website: https://www.aia.com.au/</p> <p>Join the XY platform:<br /> App Store: http://co.xyadviser.com/xyistore<br /> Google Play: http://co.xyadviser.com/xygplay<br /> Desktop: https://www.xyadviser.com/</p> <p>General Disclaimer – https://www.xyadviser.com/disclaimer/</p>

In this episode we're talking about sustainability, and whether or not income protection is currently in a stable position. <p>To read more about AIA Australia's new income protection product, click here: https://www.aia.com.au/en/adviser/business-growth-hub/adviser-news/new-priority-protection-release-nov-21.html</p> <p>Katherine Hayes<br /> Director and Financial Advisor at Hayes & Co Insurance Services and Co-Founder of Money Madams<br /> Katherine Hayes LinkedIn: https://www.linkedin.com/in/katherine-hayes-44714830/<br /> Hayes & Co Website: http://hcis.com.au/</p> <p>Jeff Thurecht<br /> Director and Senior Financial Planner at Evalesco Financial Services<br /> Jeff Thurecht XY: https://www1.xyadviser.com/members/3556035<br /> Evalesco Website: https://evalesco.com.au/</p> <p>Natalie Cameron<br /> Lead Ombudsman for Investments and Advice at the Australian Financial Complaints Authority<br /> Natalie Cameron LinkedIn: https://www.linkedin.com/in/natalie-cameron/<br /> AFCA Website: https://www.afca.org.au/</p> <p>Benjamin Martin<br /> Senior Technical Manager at AIA Australia<br /> Benjamin Martin LinkedIn: https://www.linkedin.com/in/benjamin-martin-bb108729/<br /> AIA Website: https://www.aia.com.au/</p> <p>Join the XY platform:<br /> App Store: http://co.xyadviser.com/xyistore<br /> Google Play: http://co.xyadviser.com/xygplay<br /> Desktop: https://www.xyadviser.com/</p> <p>General Disclaimer – https://www.xyadviser.com/disclaimer/</p>

In this episode we talk about the mindset changes that advisors need to adopt moving forward. <p>To read more about AIA Australia's new income protection product, click here: https://www.aia.com.au/en/adviser/business-growth-hub/adviser-news/new-priority-protection-release-nov-21.html</p> <p>Katherine Hayes<br /> Director and Financial Advisor at Hayes & Co Insurance Services and Co-Founder of Money Madams<br /> Katherine Hayes LinkedIn: https://www.linkedin.com/in/katherine-hayes-44714830/<br /> Hayes & Co Website: http://hcis.com.au/</p> <p>Jeff Thurecht<br /> Director and Senior Financial Planner at Evalesco Financial Services<br /> Jeff Thurecht XY: https://www1.xyadviser.com/members/3556035<br /> Evalesco Website: https://evalesco.com.au/</p> <p>Natalie Cameron<br /> Lead Ombudsman for Investments and Advice at the Australian Financial Complaints Authority<br /> Natalie Cameron LinkedIn: https://www.linkedin.com/in/natalie-cameron/<br /> AFCA Website: https://www.afca.org.au/</p> <p>Benjamin Martin<br /> Senior Technical Manager at AIA Australia<br /> Benjamin Martin LinkedIn: https://www.linkedin.com/in/benjamin-martin-bb108729/<br /> AIA Website: https://www.aia.com.au/</p> <p>Join the XY platform:<br /> App Store: http://co.xyadviser.com/xyistore<br /> Google Play: http://co.xyadviser.com/xygplay<br /> Desktop: https://www.xyadviser.com/</p> <p>General Disclaimer – https://www.xyadviser.com/disclaimer/</p>

In this episode we discuss insurance philosophies that advisers can implement in their practices. <p>To read more about AIA Australia's new income protection product, click here: https://www.aia.com.au/en/adviser/business-growth-hub/adviser-news/new-priority-protection-release-nov-21.html</p> <p>Katherine Hayes<br /> Director and Financial Advisor at Hayes & Co Insurance Services and Co-Founder of Money Madams<br /> Katherine Hayes LinkedIn: https://www.linkedin.com/in/katherine-hayes-44714830/<br /> Hayes & Co Website: http://hcis.com.au/</p> <p>Jeff Thurecht<br /> Director and Senior Financial Planner at Evalesco Financial Services<br /> Jeff Thurecht XY: https://www1.xyadviser.com/members/3556035<br /> Evalesco Website: https://evalesco.com.au/</p> <p>Natalie Cameron<br /> Lead Ombudsman for Investments and Advice at the Australian Financial Complaints Authority<br /> Natalie Cameron LinkedIn: https://www.linkedin.com/in/natalie-cameron/<br /> AFCA Website: https://www.afca.org.au/</p> <p>Benjamin Martin<br /> Senior Technical Manager at AIA Australia<br /> Benjamin Martin LinkedIn: https://www.linkedin.com/in/benjamin-martin-bb108729/<br /> AIA Website: https://www.aia.com.au/</p> <p>Join the XY platform:<br /> App Store: http://co.xyadviser.com/xyistore<br /> Google Play: http://co.xyadviser.com/xygplay<br /> Desktop: https://www.xyadviser.com/</p> <p>General Disclaimer – https://www.xyadviser.com/disclaimer/</p>

In this final installment we talk about what the future might hold for income protection in Australia. <p>To read more about AIA Australia's new income protection product, click here: https://www.aia.com.au/en/adviser/business-growth-hub/adviser-news/new-priority-protection-release-nov-21.html</p> <p>Katherine Hayes<br /> Director and Financial Advisor at Hayes & Co Insurance Services and Co-Founder of Money Madams<br /> Katherine Hayes LinkedIn: https://www.linkedin.com/in/katherine-hayes-44714830/<br /> Hayes & Co Website: http://hcis.com.au/</p> <p>Jeff Thurecht<br /> Director and Senior Financial Planner at Evalesco Financial Services<br /> Jeff Thurecht XY: https://www1.xyadviser.com/members/3556035<br /> Evalesco Website: https://evalesco.com.au/</p> <p>Natalie Cameron<br /> Lead Ombudsman for Investments and Advice at the Australian Financial Complaints Authority<br /> Natalie Cameron LinkedIn: https://www.linkedin.com/in/natalie-cameron/<br /> AFCA Website: https://www.afca.org.au/</p> <p>Benjamin Martin<br /> Senior Technical Manager at AIA Australia<br /> Benjamin Martin LinkedIn: https://www.linkedin.com/in/benjamin-martin-bb108729/<br /> AIA Website: https://www.aia.com.au/</p> <p>Join the XY platform:<br /> App Store: http://co.xyadviser.com/xyistore<br /> Google Play: http://co.xyadviser.com/xygplay<br /> Desktop: https://www.xyadviser.com/</p> <p>General Disclaimer – https://www.xyadviser.com/disclaimer/</p>

<p>Shane is a Partner at The Hopkins Group (Australia) and Beekeeper. He and Fraser talk about improving your mental and physical health during challenging times, and the mental health benefits of beekeeping.</p> <p>Shane Light LinkedIn: https://www.linkedin.com/in/lightshane/<br /> The Hopkins Group Website: https://thehopkinsgroup.com.au/</p> <p>This episode is proudly sponsored by First Sentier Investors. https://go.firstsentierinvestors.com/l/37502/2021-12-02/xc17s6</p> <p>Join the XY platform:<br /> App Store: http://co.xyadviser.com/xyistore<br /> Google Play: http://co.xyadviser.com/xygplay<br /> Desktop: https://www.xyadviser.com/</p> <p>General Disclaimer – https://www.xyadviser.com/disclaimer/</p>

<p>This week we cover the continuing impacts of the Omicron variant, Australian GDP, KFC Europe and Woolworth's API bid.</p> <p>This market highlight is proudly brought to by Milford https://milfordasset.com.au/</p> <p>Join the XY platform:<br /> App Store: http://co.xyadviser.com/xyistore<br /> Google Play: http://co.xyadviser.com/xygplay<br /> Desktop: https://www.xyadviser.com/</p> <p>General Disclaimer – https://www.xyadviser.com/disclaimer/</p>

<p>Siobhan is the Relationship Manager at Pivot Wealth. She and Fraser chat about appreciating the non-financial benefits of client relationships, and how to maximise these relationships with a BDM-style approach.</p> <p>Siobhan McTiernan LinkedIn: https://www.linkedin.com/in/siobhanmctiernan/<br /> Pivot Wealth Website: https://pivotwealth.com.au/</p> <p>This episode is proudly sponsored by First Sentier Investors. https://www.firstsentierinvestors.com.au/</p> <p>Join the XY platform:<br /> App Store: http://co.xyadviser.com/xyistore<br /> Google Play: http://co.xyadviser.com/xygplay<br /> Desktop: https://www.xyadviser.com/</p> <p>General Disclaimer – https://www.xyadviser.com/disclaimer/</p>

<p>Christopher is a Principal at MillerPrince Lawyers. He joins Fraser to discuss buying and selling financial planning businesses.</p> <p>Christopher Athanassios LinkedIn: https://www.linkedin.com/in/christopher-athanassios-5023666a/<br /> MillerPrince Website: https://millerprince.com.au/</p> <p>This episode is proudly sponsored by First Sentier Investors. https://www.firstsentierinvestors.com.au/</p> <p>Join the XY platform:<br /> App Store: http://co.xyadviser.com/xyistore<br /> Google Play: http://co.xyadviser.com/xygplay<br /> Desktop: https://www.xyadviser.com/</p> <p>General Disclaimer – https://www.xyadviser.com/disclaimer/</p>

<p>Today we cover the COVID Omicron variant, Australian Retail Sales, Fisher and Paykel Healthcare and Crown Resorts.</p> <p>This market highlight is proudly brought to by Milford https://milfordasset.com.au/</p> <p>Join the XY platform:<br /> App Store: http://co.xyadviser.com/xyistore<br /> Google Play: http://co.xyadviser.com/xygplay<br /> Desktop: https://www.xyadviser.com/</p> <p>General Disclaimer – https://www.xyadviser.com/disclaimer/</p>

<p>Lisa is a Marketing Consultant who specialises in marketing message and website makeovers for financial advisers. She talks about how advisers can use their marketing to simplify the advice process in their client's mind, and how to avoid the "curse of knowledge".</p> <p>Lisa Greensill XY: https://www1.xyadviser.com/members/4200237<br /> Lisa Greensill Website: https://www.lisagreensill.com/</p> <p>This episode is proudly sponsored by HUB24. https://www.hub24.com.au/</p> <p>Join the XY platform:<br /> App Store: http://co.xyadviser.com/xyistore<br /> Google Play: http://co.xyadviser.com/xygplay<br /> Desktop: https://www.xyadviser.com/</p> <p>General Disclaimer – https://www.xyadviser.com/disclaimer/</p>