Ensombl Advice Australia

<p>You've heard the term 'holistic advice', but what does it actually mean and how do you shift yours or your boss' way of thinking to adopt this more modern approach to financial advice?</p> <p>Andrew Shakespeare (@ajshakey82) of The JSA Group (www.jsagroup.com.au), and 2010's AFA Rising Star Award Winner leads a team of financial professionals who are consistently looking beyond client's investment returns and super balances to develop strategies that are far more meaningful and valuable to their client's wealth and wellbeing.</p> <p>In this short and sweet episode with Ben and Clayton, Andrew explains why he rarely starts with traditional financial planning concepts in the first meeting, how he prices initial and ongoing advice, how to attract organic referrals and why it's conversations like this one that are important ones to be having in light of the Royal Commission and the future state of financial advice.</p> <p> </p> <p>Support us on Patreon -<br /> https://www.patreon.com/xyadviser<br /> <br /> Join XY Adviser -<br /> https://www.xyadviser.com</p> <p>Facebook Group -<br /> https://facebook.com/groups/XYAdviser</p> <p>General Disclaimer -<br /> https://www.xyadviser.com/disclaimer/ </p> <p>This podcast has been brought to you by Sunsuper (www.sunsuper.com.au), one of the country's fastest growing profit for members super funds with more than one million members and $49 billion in funds under management. They're committed to providing advisers with a timely service, flexible products and innovative member services.</p> <p>They're long-time supporters of XY Adviser and believe this highly passionate community represents the future of financial advice. We're proud to partner with Sunsuper who are helping drive the positive evolution of financial advice.</p>

<p>Advisers don't start a financial planning business purely to take on and manage employees. But growth often requires more people, so how do you master the hiring, managing and firing of staff within your business? Enter Natasha Hawker (@NatashaHawker) of Employee Matters (<a href= "https://www.employeematters.com.au/">https://www.employeematters.com.au/</a>)</p> <p>The proof that Natasha is a HR guru is seen in the sheer number of topics she covers in this in-depth discussion with Clayton, Ben and special guest host Dean Holmes. The fact that she's hired, managed and fired over 15,000 people in her career is another indication of her expert status when it comes to attracting the best staff and maintaining employee longevity. </p> <p>Natasha explains why there's been a shift in the hiring market, how to nail the interview process and hire great talent, how to set new employees up for success, legal responsibilities that employers may not even be aware of and much, MUCH more.</p> <p> </p> <p>Show Notes:</p> <p>Winning the War on Talent Ebook - <a href= "http://bit.ly/xypodcast87-1" target="_blank" rel= "noopener">http://bit.ly/xypodcast87-1</a></p> <p>Employee Metrics Mini Survey - <a href= "http://bit.ly/xypodcast87-2" target="_blank" rel= "noopener">http://bit.ly/xypodcast87-2</a></p> <p> </p> <p><span style="font-family: Arial;">Support us on Patreon -</span></p> <p><a href="https://www.patreon.com/xyadviser" target="_blank" rel= "noopener"><span style= "font-family: Arial;">https://www.patreon.com/xyadviser</span></a></p> <p><span style="font-family: Arial;">Join XY Adviser -<br /></span> <a href="https://www.xyadviser.com/" target="_blank" rel= "noopener"><span style= "font-family: Arial;">https://www.xyadviser.com</span></a></p> <p><span style="font-family: Arial;">Facebook Group -<br /></span> <a href="https://facebook.com/groups/XYAdviser" target="_blank" rel="noopener"><span style= "font-family: Arial;">https://facebook.com/groups/XYAdviser</span></a></p> <p><span style="font-family: Arial;">General Disclaimer -</span></p> <p><a href="https://www.xyadviser.com/disclaimer/" target="_blank" rel="noopener"><span style= "font-family: Arial;">https://www.xyadviser.com/disclaimer/</span></a><span style="font-family: Arial;"> </span></p> <p> </p> <p><strong>This podcast has been brought to you by Sunsuper (<a href="http://www.sunsuper.com.au" target="_blank" rel= "noopener">www.sunsuper.com.au</a>)</strong>, one of the country's fastest growing profit for members super funds with more than one million members and $49 billion in funds under management. They're committed to providing advisers with a timely service, flexible products and innovative member services.</p> <p>They're long-time supporters of XY Adviser and believe this highly passionate community represents the future of financial advice. We're proud to partner with Sunsuper who are helping drive the positive evolution of financial advice.</p>

<p>Whoever said you can't rule from the grave, never met Vik Sundar (LinkedIn:/viksundar) of Chamberlains Law Firm (<a href= "http://www.chamberlains.com.au">www.chamberlains.com.au</a>) – the country's fastest growing legal firm in Australia. Vik is Canberra's leading Tax and Estate Planning lawyer who works closely with Financial Advisers to ensure their client's assets, estates, businesses and families are protected when they're gone and while honouring their wishes.</p> <p>With a special guest appearance from Shaun Green (LinkedIn:/shaungreen1) of Spark Partners (<a href= "http://www.sparkpartners.com.au">www.sparkpartners.com.au</a>); Vik explains how he successfully integrates the estate planning process with advisers and their clients, what his one piece of advice is for young advisers looking at buying into a business and whether robo advice is changing the Financial Planning and legal space… yet.</p> <p> </p> <p>Support us on Patreon -</p> <p><a href= "https://www.patreon.com/xyadviser">https://www.patreon.com/xyadviser</a></p> <p> </p> <p>Join XY Adviser -<br /> <a href= "https://www.xyadviser.com">https://www.xyadviser.com</a></p> <p> </p> <p>Facebook Group -<br /> <a href= "https://facebook.com/groups/XYAdviser">https://facebook.com/groups/XYAdviser</a></p> <p> </p> <p>General Disclaimer -</p> <p><a href= "https://www.xyadviser.com/disclaimer/">https://www.xyadviser.com/disclaimer/</a> </p> <p> </p> <p><strong>This podcast is brought to you by HUB24 (<a href= "http://www.HUB24.com.au">www.HUB24.com.au</a>)</strong><span style="font-weight: 400;">, your comprehensive super and investment platform. The team at HUB24 have been delivering market-leading solutions since 2007. They believe in connecting advisers to innovative solutions that create opportunity, and are number one in terms of user experience, managed accounts functionality and adviser satisfaction.</span></p> <p><span style="font-weight: 400;">They're big time supporters of advisers going solo and if you've ever dealt with their BDM team as we have, you'd know they are total legends! We're proud to partner with HUB24 who are big fans of the XY community and driving the positive evolution of financial advice.</span></p>

<p>This episode is what <a href="https://www.xyadviser.com" target= "_blank" rel="noopener">XY Adviser</a> is all about. Shaking up the financial status quo. Doing things differently.</p> <p>Ever heard of dreams driven advice? What about speaking with purpose? It's these out of the box topics and more that <a href= "https://www.linkedin.com/in/peitad/" target="_blank" rel= "noopener">Peita Diamantidis</a> (@peitad) of <a href= "https://www.caboodlefs.com.au/" target="_blank" rel= "noopener">Caboodle Financial Services</a> (www.caboodlefs.com.au/) has been exploring and is keen as ever to share with the XY Adviser community. </p> <p>Known as a speaker, author and financial adviser and loved for being a geek hybrid and wish activist; Peita dives into why storytelling is a powerful sales strategy, how to nail a presentation when you're not a natural speaker and how to incorporate dreams driven advice into your service offering (and what it actually is).</p> <p>This quite simply, is a podcast for modern advisers.</p> <p>If you're an adviser looking to build on your speaking and presenting skills, you can reach out to Peita direct through any of her socials with the handle /peitad.</p> <p>General Advice Disclaimer - <a href= "http://www.xyadviser.com/disclaimer">http://www.xyadviser.com/disclaimer/</a></p> <p> </p> <p><strong>This podcast is brought to you by <a href= "http://www.HUB24.com.au" target="_blank" rel="noopener">HUB24</a> (<a href= "http://www.HUB24.com.au">www.HUB24.com.au</a>)</strong><span style="font-weight: 400;">, your comprehensive super and investment platform. The team at HUB24 have been delivering market-leading solutions since 2007. They believe in connecting advisers to innovative solutions that create opportunity, and are number one in terms of user experience, managed accounts functionality and adviser satisfaction.</span></p> <p><span style="font-weight: 400;">They're big time supporters of advisers going solo and if you've ever dealt with their BDM team as we have, you'd know they are total legends! We're proud to partner with HUB24 who are big fans of the XY community and driving the positive evolution of financial advice.</span></p> <p><strong>This podcast is also brought to you by <a href= "http://www.centuria.com.au" target="_blank" rel= "noopener">Centuria</a> (<a href= "http://www.centuria.com.au">www.centuria.com.au</a>)</strong><span style="font-weight: 400;">, an ASX-listed specialist investment manager with $4.6 billion in funds under management. Through their Investment Bonds and listed and unlisted property funds, they're genuinely enthusiastic about helping people achieve their financial goals and accumulate wealth.</span></p> <p><span style="font-weight: 400;">Centuria offers technical and educational support to advisers, and supported with a dedicated team of distribution managers to help you deliver great solutions for your clients. They have been long-time supporters of XY Adviser and these podcasts dedicated to driving this profession we all love.</span></p>

<p><a href="https://www.linkedin.com/in/stevecrawfordewa/" target= "_blank" rel="noopener">Steve Crawford</a> (@SteveCrawford78) is the owner and head financial coach of <a href= "http://www.experiencewealth.com.au/" target="_blank" rel= "noopener">Experience Wealth</a> (<a href= "http://www.experiencewealth.com.au">www.experiencewealth.com.au</a>). He's the opinionated show pony presenter (his words, not ours) on a mission to help young people and their families make meaningful connections with their money and build wealth.</p> <p>Beyond the initial house renovation chat (7:15) is where you can hear what Steve has really been up to in the advice space. This episode explores why young people in Australia are saving less on average and what Steve is doing with his clients to address this, the current state of the lending market and how advisers can bridge this gap with clients, how businesses can position new services with their licensees and why Steve would love to see fee for service come in as an option for mortgage lending.</p> <p>General Advice Disclaimer - http://www.xyadviser.com/disclaimer</p> <p> </p> <p><strong>This podcast is brought to you by <a href= "http://www.HUB24.com.au" target="_blank" rel="noopener">HUB24</a> (<a href= "http://www.HUB24.com.au">www.HUB24.com.au</a>)</strong><span style="font-weight: 400;">, your comprehensive super and investment platform. The team at HUB24 have been delivering market-leading solutions since 2007. They believe in connecting advisers to innovative solutions that create opportunity, and are number one in terms of user experience, managed accounts functionality and adviser satisfaction.</span> </p> <p><span style="font-weight: 400;">They're big time supporters of advisers going solo and if you've ever dealt with their BDM team as we have, you'd know they are total legends! We're proud to partner with HUB24 who are big fans of the XY community and driving the positive evolution of financial advice.</span></p> <p><strong>This podcast is also brought to you by <a href= "http://www.centuria.com.au" target="_blank" rel= "noopener">Centuria</a> (<a href= "http://www.centuria.com.au">www.centuria.com.au</a>)</strong><span style="font-weight: 400;">, an ASX-listed specialist investment manager with $4.6 billion in funds under management. Through their Investment Bonds and listed and unlisted property funds, they're genuinely enthusiastic about helping people achieve their financial goals and accumulate wealth.</span></p> <p><span style="font-weight: 400;">Centuria offers technical and educational support to advisers, and supported with a dedicated team of distribution managers to help you deliver great solutions for your clients. They have been long-time supporters of XY Adviser and these podcasts dedicated to driving this profession we all love.</span></p>

<p>When a podcast starts with challenging the notion of what Financial Planning actually is, you know it's going to be good. Our guest is <a href="https://www.linkedin.com/in/andrewrocks/" target="_blank" rel="noopener" data-saferedirecturl= "https://www.google.com/url?hl=en-GB&q=https://www.linkedin.com/in/andrewrocks/&source=gmail&ust=1527818105786000&usg=AFQjCNF6bnpKRxyMFAM5Nx9UmDV43ej35A">Andrew 'Rocksy' Rocks</a> (LinkedIn: /andrewrocks) and he's the CEO and 'healthiest employer' from the <a href= "https://www.announcer.com.au/" target="_blank" rel="noopener" data-saferedirecturl= "https://www.google.com/url?hl=en-GB&q=https://www.announcer.com.au/&source=gmail&ust=1527818105786000&usg=AFQjCNGz9Zhix_Uv4waUmdtp2ItTIYRjOA">Announcer Group</a> (<a href="http://www.announcer.com.au/" target= "_blank" rel="noopener" data-saferedirecturl= "https://www.google.com/url?hl=en-GB&q=http://www.announcer.com.au/&source=gmail&ust=1527818105786000&usg=AFQjCNFBVYSZXdSPzUX1vlpOnaM9kdeZTw">www.announcer.com.au</a>); a boutique and bespoke financial services practice shaking up the status quo and traditional financial planning model like you wouldn't believe.</p> <p>This discussion between Andrew, <a href= "https://www.linkedin.com/in/claytondaniel1/" target="_blank" rel= "noopener" data-saferedirecturl= "https://www.google.com/url?hl=en-GB&q=https://www.linkedin.com/in/claytondaniel1/&source=gmail&ust=1527818105786000&usg=AFQjCNFSk47izqNrFHNE5FB5laS3guXfYQ">Clayton</a> and <a href="https://www.linkedin.com/in/adrianpatty/" target="_blank" rel="noopener" data-saferedirecturl= "https://www.google.com/url?hl=en-GB&q=https://www.linkedin.com/in/adrianpatty/&source=gmail&ust=1527818105786000&usg=AFQjCNG16mktDZHucF9XrCMXyuE_Apz5Xg">Adrian</a> is definitely not short on humour, insight or wit. With over 20 years experience in the financial services game, Andrew knows more than a thing or two and explains why a one-size-fits-all communication process in your business won't work with clients, what the leading indicator of the health of your business is and how to incorporate intergenerational meetings into your service offering.</p> <p>If you've been asking how you can move away from the traditional (and dated) financial planning model and differentiate yourself in the market, this is the podcast for you.</p> <p>Notes from this episode:</p> <ul> <li>Excite Safety First Aid Courses (<a href= "http://www.excitesafety.com.au/first-aid-courses/)" target= "_blank" rel="noopener" data-saferedirecturl= "https://www.google.com/url?hl=en-GB&q=http://www.excitesafety.com.au/first-aid-courses/)&source=gmail&ust=1527818105786000&usg=AFQjCNHS8IQKZdxK64xd_RCuYgE8ccZLXg">excitesafety.com.au/first-<wbr />aid-courses/)</a></li> <li>Episode Disclaimer (<a href= "http://www.xyadviser.com/disclaimer">www.xyadviser.com/disclaimer</a>)</li> </ul> <p> </p> <p><strong>This podcast is brought to you by <a href= "http://www.hub24.com.au/" target="_blank" rel="noopener" data-saferedirecturl= "https://www.google.com/url?hl=en-GB&q=http://www.hub24.com.au/&source=gmail&ust=1527818105787000&usg=AFQjCNF4kZnGv5ndlJY7KDkfIHFX_vZ_GQ">HUB24</a> (<a href="http://www.hub24.com.au/" target="_blank" rel="noopener" data-saferedirecturl= "https://www.google.com/url?hl=en-GB&q=http://www.hub24.com.au/&source=gmail&ust=1527818105787000&usg=AFQjCNF4kZnGv5ndlJY7KDkfIHFX_vZ_GQ">www.HUB24.com.au</a>)</strong>, your comprehensive super and investment platform. The team at HUB24 have been delivering market-leading solutions since 2007. They believe in connecting advisers to innovative solutions that create opportunity, and are number one in terms of user experience, managed accounts functionality and adviser satisfaction.</p> <p>They're big time supporters of advisers going solo and if you've ever dealt with their BDM team as we have, you'd know they are total legends! We're proud to partner with HUB24 who are big fans of the XY community and driving the positive evolution of financial advice.</p> <p><strong>This podcast is also brought to you by <a href= "http://www.centuria.com.au/" target="_blank" rel="noopener" data-saferedirecturl= "https://www.google.com/url?hl=en-GB&q=http://www.centuria.com.au/&source=gmail&ust=1527818105787000&usg=AF

<p style="font-weight: 400;">In this week's episode, Ben Nash's 'let's have at it' approach with Philip Kewin (CEO) (@afa_ceo) and Marc Bineham (National President) (@afa_pres) of the AFA <a href="http://www.afa.com.au/" target="_blank" rel="noopener" data-saferedirecturl= "https://www.google.com/url?hl=en-GB&q=http://www.afa.com.au&source=gmail&ust=1527205960470000&usg=AFQjCNHBpRDajVKH2IUsd1K02qwyv0rmhw">(www.afa.com.au)</a> explores some of the most discussed and debated topics within the XY community and the advice profession as a whole. We're talking vertical integration, fee for no service, grandfathering, FASEA and the Royal Commission itself.</p> <p style="font-weight: 400;">Philip and Marc do a great job of sharing their insights and providing a 'big picture' overview regarding the cost of advice and how we can leverage technology to work towards a more sustainable advice profession [for all involved].</p> <p style="font-weight: 400;">If you have concerns or questions on any of the topics mentioned above, you can contact the AFA directly with any and all feedback by heading to their contact page. (<a href= "http://www.afa.asn.au/contact-us">www.afa.asn.au/contact-us)</a> </p> <p style="font-weight: 400;">To sink your teeth (but more so your ears) into some other great XY episodes, head on over to <a href= "http://www.xyadviser.com/podcast">www.xyadviser.com/podcast</a></p> <p style="font-weight: 400;"> </p> <p><strong>This podcast is brought to you by HUB24 (<a href= "http://www.HUB24.com.au">www.HUB24.com.au</a>)</strong><span style="font-weight: 400;">, your comprehensive super and investment platform. The team at HUB24 have been delivering market-leading solutions since 2007. They believe in connecting advisers to innovative solutions that create opportunity, and are number one in terms of user experience, managed accounts functionality and adviser satisfaction.</span></p> <p><span style="font-weight: 400;">They're big time supporters of advisers going solo and if you've ever dealt with their BDM team as we have, you'd know they are total legends! We're proud to partner with HUB24 who are big fans of the XY community and driving the positive evolution of financial advice.</span></p> <p><strong>This podcast is also brought to you by Centuria (<a href="http://www.centuria.com.au">www.centuria.com.au</a>)</strong><span style="font-weight: 400;">, an ASX-listed specialist investment manager with $4.6 billion in funds under management. Through their Investment Bonds and listed and unlisted property funds, they're genuinely enthusiastic about helping people achieve their financial goals and accumulate wealth.</span></p> <p><span style="font-weight: 400;">Centuria offers technical and educational support to advisers, and supported with a dedicated team of distribution managers to help you deliver great solutions for your clients. They have been long-time supporters of XY Adviser and these podcasts dedicated to driving this profession we all love.</span></p>

<p><em>"Second only to your health is your financial wellbeing. We [the driven and passionate advisers] have a big role to play to ensure the Australian public are looked after financially"</em> – Dante De Gori</p> <p>At a time when impugning comments about this industry we all love are being flung around left right and centre, <a href= "https://www.linkedin.com/in/dante-de-gori-23ab602a/" target= "_blank" rel="noopener">Dante De Gori</a> (@ddegori10)of the FPA (<a href="http://www.fpa.com.au" target="_blank" rel= "noopener">Financial Planning Association - www.fpa.com.au</a>) believes this is also a great opportunity to start producing positive content that highlights the benefits consumers receive when they engage with an adviser and implement a financial plan.</p> <p>This is a thought-provoking and informative podcast that is sure to spike your curiosity and get you thinking about the current and future state of the advice-giving process and how we price our services accordingly.</p> <p>The highlight reel of this podcast includes a discussion around why the ongoing relationship piece with clients is continually changing, why we have to get better at nailing the intangibles of our service offerings, what we are doing to charge for advice and Dante's take on what financial advice will look like in 5 years.</p> <p>Any advisers who would like to contribute to the FPA's Money & Life Website (which includes a consumer audience of nearly 500,000 visits and 10,000 subscribers) is encouraged to contact the FPA marketing team at <a href= "mailto:[email protected]">[email protected]</a>.</p> <p><span id="ember10368" class="ember-view">You can also check out some other recent episodes here -</span> <a id="ember10371" class= "feed-link ember-view" href="http://www.xyadviser.com/podcast" target="_blank" rel="noopener" name= "ember10371">www.xyadviser.com/podcast</a></p> <p>----------</p> <p><strong>This podcast is brought to you by HUB24 (<a href= "http://www.HUB24.com.au">www.HUB24.com.au</a>)</strong><span style="font-weight: 400;">, your comprehensive super and investment platform. The team at HUB24 have been delivering market-leading solutions since 2007. They believe in connecting advisers to innovative solutions that create opportunity, and are number one in terms of user experience, managed accounts functionality and adviser satisfaction.</span></p> <p><span style="font-weight: 400;">They're big time supporters of advisers going solo and if you've ever dealt with their BDM team as we have, you'd know they are total legends! We're proud to partner with HUB24 who are big fans of the XY community and driving the positive evolution of financial advice.</span></p> <p><strong>This podcast is also brought to you by Centuria (<a href="http://www.centuria.com.au">www.centuria.com.au</a>)</strong><span style="font-weight: 400;">, an ASX-listed specialist investment manager with $4.6 billion in funds under management. Through their Investment Bonds and listed and unlisted property funds, they're genuinely enthusiastic about helping people achieve their financial goals and accumulate wealth.</span></p> <p><span style="font-weight: 400;">Centuria offers technical and educational support to advisers, and supported with a dedicated team of distribution managers to help you deliver great solutions for your clients. They have been long-time supporters of XY Adviser and these podcasts dedicated to driving this profession we all love.</span></p>

<p>There's developing a standard business model of advice, and then there's being at the forefront of digital innovation to maximise the client experience. Mike Weeding (@michaelweeding) and Sean Brennan (LinkedIn: /brennansean/) are two creative brains that make up part of the AMP (<a href= "http://www.amp.com.au">www.amp.com.au</a>) 'think tank' dedicated to digital innovation and human centred design.</p> <p>Whether you are part of a big corporation or operating as a one-man-adviser-band, there is plenty of value in this podcast for anyone interested in experimenting with digital strategies to improve client communication and to better coach them to achieve their financial goals. Mike and Sean give us some valuable insights taken from their extensive market research which explains how clients view the financial advice process, the most effective way to simplify a client's cash flow analysis and why imagery is so important in the client journey.</p> <p> </p> <p style="text-align: center;"><a href= "http://www.facebook.com/groups/xyadviser" target="_blank" rel= "noopener">JOIN THE XY ADVISER FACEBOOK GROUP</a></p> <p> </p> <p><strong>This podcast is brought to you by <a href= "http://www.hub24.com.au" target="_blank" rel="noopener">HUB24</a> (<a href= "http://www.hub24.com.au">www.hub24.com.au</a>)</strong><span style="font-weight: 400;">, your comprehensive super and investment platform. The team at HUB24 have been delivering market-leading solutions since 2007. They believe in connecting advisers to innovative solutions that create opportunity, and are number one in terms of user experience, managed accounts functionality and adviser satisfaction.</span></p> <p><span style="font-weight: 400;">They're big time supporters of advisers going solo and if you've ever dealt with their BDM team as we have, you'd know they are total legends! We're proud to partner with HUB24 who are big fans of the XY community and driving the positive evolution of financial advice.</span></p> <p><strong>This podcast is also brought to you by <a href= "http://www.centuria.com.au" target="_blank" rel= "noopener">Centuria (www.centuria.com.au)</a></strong><span style= "font-weight: 400;">, an ASX-listed specialist investment manager with $4.6 billion in funds under management. Through their Investment Bonds and listed and unlisted property funds, they're genuinely enthusiastic about helping people achieve their financial goals and accumulate wealth.</span></p> <p><span style="font-weight: 400;">Centuria offers technical and educational support to advisers, and supported with a dedicated team of distribution managers to help you deliver great solutions for your clients. They have been long-time supporters of XY Adviser and these podcasts dedicated to driving this profession we all love.</span></p>

<p>In this episode, you're going to hear how a children's story about a rhino and a monkey can help financial advisers understand their clients better and in turn provide amazing value. Quite frankly, we think it's pretty spot on.</p> <p>Our guest is <strong>Daniel Murray</strong> (LinkedIn:/daniel-empathicconsulting) of Empathic Consulting (www.empathicconsulting.com). He's the applied mathematics corporate turned empathy coach combining formulas with emotions. He has a toolbox of strategies designed to help advisers benefit from incorporating empathy into their value proposition and business model.</p> <p>Daniel walks us through what 'The Skill of Empathy' is and how we can apply it, how diverse brains can positively impact your business outcomes, how to use empathy to combat societal and client expectations and why we should all stay curious.</p> <p>Be sure to listen all the way through as Daniel shares an empathy experiment all advisers can try.</p> <p> </p> <p><strong>This podcast is brought to you by <a href= "http://www.hub24.com.au" target="_blank" rel= "noopener">HUB24</a> (<a href= "http://www.HUB24.com.au">www.HUB24.com.au</a>)</strong><span style="font-weight: 400;">, your comprehensive super and investment platform. The team at HUB24 have been delivering market-leading solutions since 2007. They believe in connecting advisers to innovative solutions that create opportunity, and are number one in terms of user experience, managed accounts functionality and adviser satisfaction.</span></p> <p><span style="font-weight: 400;">They're big time supporters of advisers going solo and if you've ever dealt with their BDM team as we have, you'd know they are total legends! We're proud to partner with HUB24 who are big fans of the XY community and driving the positive evolution of financial advice.</span></p> <p><strong>This podcast is also brought to you by <a href= "http://www.centuria.com.au" target="_blank" rel= "noopener">Centuria</a> (<a href= "http://www.centuria.com.au">www.centuria.com.au</a>)</strong><span style="font-weight: 400;">, an ASX-listed specialist investment manager with $4.6 billion in funds under management. Through their Investment Bonds and listed and unlisted property funds, they're genuinely enthusiastic about helping people achieve their financial goals and accumulate wealth.</span></p> <p><span style="font-weight: 400;">Centuria offers technical and educational support to advisers, and supported with a dedicated team of distribution managers to help you deliver great solutions for your clients. They have been long-time supporters of XY Adviser and these podcasts dedicated to driving this profession we all love.</span></p>

<p>XY Adviser started when a handful of curious financial advisers wanted to know what others in the industry were doing and how they could improve their business practices. From just a couple hundred members to now etching towards 2,000 with an average active user rate of 70% each day, it's obvious the Facebook Group (www.facebook.com/groups/xyadviser) is the heart and soul of what makes the XY community so great!</p> <p>In this podcast, Clayton and Adrian discuss how the community has evolved over time and give us a sneak peek at the biggest thing to hit XY in just a few weeks (hint: it will provide a crazy level of value for advisers!). The conversation also steers in other directions as they shoot the breeze on the best adviser business model, how to incorporate tech while still providing a high touch client experience, the benefit of having an initial consult fee and how advisers could incorporate 'lifestyle management' into their value proposition.</p> <p>Opinions, ideas, hacks and rants - this episode has it all.</p> <p>A big thank you and virtual high five goes out to our major partner HUB24 (www.hub24.com.au) and also to Centuria (www.centuria.com.au) for their support in helping us collectively drive our profession forward.</p>

<p>Caitlin Iles' (@ms_iles) story is one we're sure Universal Studios wish they could get their hands on. After discovering she was dyslexic in year 12 she then went on to start a property investment company in Dubai at the age of 24, receive an invitation to Necker Island from 'Mr. Virgin' himself and is now creating the largest portfolio of female founded startups through her Venture Capital firm Capital XX (<a href= "http://www.capitalxx.com">www.capitalxx.com</a>).</p> <p>Her extensive knowledge and passion becomes very apparent as she explains the current situation and the benefits of having female founders in the startup world, the most important trait entrepreneurs need to have, how to carry out due diligence on potential investments, why the traditional VC model hasn't necessarily been the most optimal and how advisers, both male and female can (really) disrupt the financial advice space.</p> <p>To anyone who has ever thought of giving the startup world a go, especially those with the XX chromosome, do not let fear, concern or worry get in the way because "to be an entrepreneur, you need to be a little bit crazy" – Caitlin Iles.</p> <p>A big thank you to our major partner HUB24 (<a href= "http://www.hub24.com.au">www.hub24.com.au</a>) and also to Centuria (<a href= "http://www.centuria.com.au">www.centuria.com.au</a>) for supporting the podcast that is driving the positive evolution of financial advice.</p>

<p>After 'retiring' from the unique Latvian sporting code that is Novus, Berin Delforce (@stickmanwealth) of Stickman Wealth Management (www.stickmanwealth.com.au) switched the snooker-like table for SOA's. He never initially had his sights set on Financial Planning though. It was only after a tumultuous job history (his words, not ours) that he saw a great entrepreneurial opportunity within the industry.</p> <p>Not too dissimilar to the Novus game, this podcast bounces around in all kinds of directions and elaborates on some great topics such as Berin's early business challenges, the philosophy behind his awesome business name, the key to successfully outsourcing, when you should niche down in a business and how advisers can delight their clients.</p> <p>While touching on the client experience, Berin throws it out to the audience and asks what other XY advisers are doing to delight their clients; to go beyond the expected level of service and differentiate themselves in the market. You can jump in on the conversation and reach out to Berin at <a href= "mailto:[email protected]">[email protected]</a>.</p> <p>A big thank you to our major sponsor HUB24 (<a href= "http://www.zurich.com.au">www.hub24.com.au</a>) and to Centuria (<a href="http://www.sunsuper.com.au">www.centuria.com.au</a>) for the continued support.</p>

<p>We think it's fair to say that despite being one of the most debated topics within the XY Community, it's also a topic that fosters the biggest absence of knowledge. We are of course talking about… cryptocurrency.</p> <p>To combat this, we've brought in one of the most qualified people in this space to define, debunk and dive into the ins and outs of cryptocurrency. As a qualified accountant, stock broker, financial adviser and business coach to over 4,000 financial planners, Warrick Pleash (@warrickpleash) the now partner manager of Bitcoin Trader (<a href= "http://www.bitcointrader.org.au/">www.bitcointrader.org.au/</a>) uses some awesome (and hilarious) analogies to explain what crypto is, what a blockchain is, how crypto is valued, where it sits relative to estate planning, market volatility of bitcoin and crypto's place within an investment strategy.</p> <p>The aim of this podcast is to simply help advisers understand the fundamentals of cryptocurrency better so that when faced with a question about the evolving 'internet money' from a client, a loved one or a friend, they can handle it from an informed and educated space.</p> <p>A big thank you to our major partner Zurich (<a href= "http://www.zurich.com.au">www.zurich.com.au</a>) and Sunsuper (<a href="http://www.sunsuper.com.au">www.sunsuper.com.au</a>) for the continued support.</p>

<p><a href="https://www.linkedin.com/in/roganneil/" target="_blank" rel="noopener">Neil Rogan</a> (<a href= "https://www.linkedin.com/in/roganneil/">www.linkedin.com/in/roganneil/</a>) of <a href="https://centuria.com.au/" target="_blank" rel= "noopener">Centuria</a> (<a href= "https://centuria.com.au/">www.centuria.com.au/</a>) is the guy turning investment bond jargon into terminology that advisers can easily understand and use with their clients. Thanks to the <a href="https://www.facebook.com/groups/XYAdviser/" target= "_blank" rel="noopener">XY community</a> for throwing up the investment bond discussion on several occasions; you asked and we listened.</p> <p>This podcast explores the ins and outs of investment bonds – what they are and where they sit in the investment world, when you should consider an investment bond for your client, key features to look for in a bond, the estate planning advantages of investment bonds and the implications faced (or not faced) with legislative changes compared to superannuation.</p> <p>Neil Rogan is in the business of equipping advisers with relevant tools to help them make informed decisions when looking at investment bonds for their clients.</p> <p>A big thank you to our major partner <a href= "https://www.zurich.com.au/" target="_blank" rel= "noopener">Zurich</a> (<a href= "http://www.zurich.com.au">www.zurich.com.au</a>) and also <a href="https://www.sunsuper.com.au/" target="_blank" rel= "noopener">Sunsuper</a> (<a href= "http://www.sunsuper.com.au">www.sunsuper.com.au</a>) for the continued support.</p>

<p>For those eagerly awaiting a smooth and sultry solo podcast from <a href="https://www.linkedin.com/in/claytondaniel1/" target= "_blank" rel="noopener">Clayton Daniel</a>, unfortunately (or fortunately?!), thanks to <a href= "https://www.linkedin.com/in/benjaminjnash/" target="_blank" rel= "noopener">Ben Nash</a> you'll have to continue waiting for that one. In this episode, Ben and Clayton shoot the breeze and give us an update on the <a href= "https://www.facebook.com/groups/XYAdviser/" target="_blank" rel= "noopener">XY Adviser</a> community and discuss why this awesome group just might be the sanity check we all need as to where we, as advisers and the industry itself is headed.</p> <p>We especially loved the conversation around these topics:</p> <ul> <li>The astounding stats on XY's group conversations (hint: it's in the 4 digits)</li> <li>The compounding effects of fostering a community full of people dedicated to pushing our profession forward</li> <li>How to leverage the demand for direct consumer financial education</li> <li>The three types of clients and the biggest market gap</li> <li>The <a href= "https://www.afa.asn.au/news/education-requirements-existing-advisers" target="_blank" rel="noopener">education debate</a> and the impact this will have on advisers</li> </ul> <p>So what does the future of financial advice look like? Will more or less people seek out a financial adviser and what does the financial services profession look like in 10 years' time?</p> <p>A big thank you to our major partner <a href= "https://www.zurich.com.au/" target="_blank" rel= "noopener">Zurich</a> and also to <a href= "https://www.sunsuper.com.au/" target="_blank" rel= "noopener">Sunsuper</a> for the continued support.</p>

<p><a href="https://www.linkedin.com/in/christopherbates/" target= "_blank" rel="noopener">Chris Bates</a> of <a href= "http://www.wealthful.com.au/" target="_blank" rel= "noopener">Wealthful</a> is the Financial Adviser and Mortgage Broker with a very unique (and very successful) service offering for young families looking to 'live a life fulfilled with what they value'.</p> <p>Step inside his virtual <a href= "https://www.linkedin.com/in/christopherbates/detail/recent-activity/posts/" target="_blank" rel="noopener">LinkedIn</a> abode and you'll instantly get a feel for the kinds of ideas, information and opinions that swirl around in Chris' head on the daily. With his short form posts reaching an audience of 20,000 + people a day, it's obvious his stuff has a lot of merit and is having a very positive effect on his 18,000 + followers (and his bottom line).</p> <p>This podcast swings in all kinds of directions and touches on some really interesting stuff like:</p> <ul> <li>How to nail your LinkedIn presence Chris Bates style</li> <li>How to use social media to develop client relationships at scale</li> <li>Chris' bold and unique approach to qualifying (or de-qualifying) potential clients</li> <li>Chris' advice on how not to get blocked by LinkedIn… twice.</li> <li>Chris' tips on the current property market and where it's headed</li> </ul> <p>We're just thankful Chris made it out of Africa prison-free to sit down and chat with us. Yep, for the full (uncensored) version of THAT story, you'll definitely want to tune in for this episode…</p> <p> </p> <p>A big thank you to <a href="https://www.zurich.com.au/" target= "_blank" rel="noopener">Zurich</a> our major partner and also to <a href="https://www.sunsuper.com.au/" target="_blank" rel= "noopener">Sunsuper</a> for the continued support.</p>

<p>"Our mission is to be the Amazon of Comparison sites" – Fred Schebesta</p> <p>When it comes to <a href= "https://www.linkedin.com/in/fredschebesta/" target="_blank" rel= "noopener">Fred Schebesta</a>, we <em>could</em> tell you about the digital agency business he started and then sold to a publicly listed company at the ripe age of 25. We <em>could</em> tell you about the plethora of awards he's received OR we could just tell you that Fred has got the 'direct to market' business model crafted down to such a fine art, it's the reason his company <a href= "http://www.finder.com.au" target="_blank" rel= "noopener">finder.com.au</a> receives over 6 million unique visits a month! So what's his secret? </p> <p>If you want to:</p> <ul> <li>Understand your audience and clients better than anyone else</li> <li>Know how to create amazing content that speaks to your different consumer personalities</li> <li>Learn how advisers and companies like Finder can foster highly valuable partnerships</li> <li>Open your mind to the possibilities of Cryptocurrency</li> </ul> <p>…then this podcast has your name written all over it.</p> <p>Let us let Fred leave you with this – "If you think that crypto is a scam, a pyramid scheme or it's non-existent, you sound like someone who is looking at the early internet".</p> <p>And that's coming from a guy who is about to launch a platform where sophisticated investors can buy cryptocurrency between $250k up to $300million!</p> <p> </p> <p>A big thank you to our major partner <a href= "http://www.zurich.com.au" target="_blank" rel= "noopener">Zurich</a> and also <a href="http://www.sunsuper.com.au" target="_blank" rel="noopener">SunSuper</a> for the continued support.</p>

<p>What do the words dulcet and game-changing business coach have in common? Two words. <a href= "https://www.linkedin.com/in/bellstewart/" target="_blank" rel= "noopener">Stewart Bell</a>.</p> <p>Stewart is the industrious business coach of <a href= "http://www.audere.com.au/" target="_blank" rel="noopener">Audere Coaching & Consulting</a> who is teaching frustrated advisers how to turn their business challenges into opportunities.</p> <p>Having spent the last two decades working with financial professionals, Stewart has seen significant shifts in the way our industry markets itself and how to do it effectively. Aside from the Tinder references, here's our favourite takeaways from this podcast:</p> <ul> <li>The biggest asset of a startup advice business</li> <li>The digital platform set to take over from email marketing according to Stewart</li> <li>How to position the asking of referrals in a way that actually works</li> <li>Why information is useless if not implemented correctly, or at all</li> <li>The importance of accountability in any business model</li> </ul> <p>If not for the endless nuggets of wisdom, listen to this episode purely for the 'dulcet' sounds of Stewart Bell who will inspire you to think outside the box when it comes to innovation within your business.</p> <p>A big thank you also to our major partner <a href= "https://www.zurich.com.au/" target="_blank" rel= "noopener">Zurich</a> and also to <a href= "https://www.sunsuper.com.au/" target="_blank" rel= "noopener">SunSuper</a> for the continued support.</p>

<p>"I'll never invest money in a fund unless I meet the fund manager" – Paul Mann (<a href="http://truedirection.com.au/" target="_blank" rel="noopener">True Direction Financial Services</a>)</p> <p>With 25 years of combined experience as a futures trader and a financial adviser, <a href="https://www.linkedin.com/in/paul-mann/" target="_blank" rel="noopener">Paul Mann</a> has watched the evolution of financial advice change from a very heavy sales culture to one that is more focused on making a lasting difference in clients lives. For Paul, transitioning into the advice space was an opportunity to make a significant contribution to society and to give back. Sure, he took a 75% cut in his wage when he got started, but was it worth it? Absolutely!</p> <p>Fast forward to 2018 where you will now find the title 'Principal and Financial Adviser' on Paul's office door. In this podcast, Paul expands on his past trading experience and how that has helped shape his client value proposition as a self-employed adviser. Our favourite key takeaways from this discussion look at:</p> <ul> <li>What it was like to be apart of an open outcry in the 90's</li> <li>What the financial advice industry looked like 18 years ago</li> <li>The psychology of money and how to become a client's trusted adviser</li> <li>How Paul is niching down with his target market</li> <li>How advisers can leverage the corporate super space and help employees of (really) big companies</li> <li>Why people who are very emotionally connected to their cash flow and disconnected from their super have got it around the wrong way</li> </ul> <p>From a chalkie on the stock exchange, to building a company from 8 to 65 employees globally, Paul Mann has a level of knowledge and understanding that can only come from years of experience working in the trenches of financial advice. For a bunch of fresh ideas and some interesting history on the industry, this is a podcast you don't want to miss.</p> <p> </p> <p>As always, we would like to thank our major partner <a href= "https://www.zurich.com.au/" target="_blank" rel= "noopener">Zurich</a> and also <a href= "https://www.sunsuper.com.au" target="_blank" rel= "noopener">SunSuper</a> for the continued support. </p>

<p>If marketing, public relations and social media were like Kung-Fu, <a href="https://www.linkedin.com/in/adelemartin/" target= "_blank" rel="noopener">Adele Martin</a> is definitely your Bruce Lee. She's the <a href="http://adelemartin.com/" target="_blank" rel="noopener">Money Mentor</a>, financial adviser and keynote speaker who has nailed the one-to-many market and continues to use her trusted personal brand to grow and scale her advice business, and boy is it growing.</p> <p>She's a big believer in a sharing economy and is full of tested ideas and strategies that will help you build trusted relationships with your clients, position yourself as a leader in the industry and increase your bottom line.</p> <p>Of the many nuggets of wisdom shared in this podcast (and there's so many), here's our standouts:</p> <ul> <li>The single piece of advice Adele would give to anyone starting out as an adviser</li> <li>Adele's proven strategy to work 'on' your business rather than just 'in' it</li> <li>How to commercialise a Facebook Group and build a trusted community</li> <li>How to kick start your marketing, PR and social media plan</li> <li>How Adele's virtual office has allowed her to leverage the amazing skills of people she would never find in Newcastle</li> </ul> <p>Let's be honest, a 45-minute podcast is just not enough, so we'll have Adele front and centre at our event next week in Sydney for a 'warts 'n all' discussion around using digital media to scale your business and master your client value proposition. This event is a must for employed, aspiring and self-employed advisers. If you can't attend the event in person, be sure to tune into the Facebook Live on Thursday 22nd Feb at 6:30pm.</p> <p>Get your last minute tickets here - <a href= "http://bit.ly/2DdD4tJ" target="_blank" rel= "noopener">http://bit.ly/2DdD4tJ</a></p> <p> </p> <p>A big thank you to our major partner Zurich and to SunSuper for the continued support.</p>

<p>If you're an active member in the XY community, you've probably seen her name start to pop up regularly, you may have even connected with her some way, somehow. But what do you <em>actually</em> know about XY's newest team member, the new Community Manager – <a href= "https://www.linkedin.com/in/emily-blanch-992a2069/" target= "_blank" rel="noopener">Emily Blanch</a>?</p> <p>Experience wise, Emily is a mixed bag of paraplanning, online media and writing, but she is totally in her element when she is delivering an unforgettable client or customer experience. She can't tell a story without using her hands and if she could, she'd climb to a tall building somewhere and shout it out to the world that travelling (at some point in your life) is without a doubt <em>the</em> best thing you can do for your health, your wealth and your happiness.</p> <p>Amongst the travelling stories, the clichés (all of the clichés) and some of the amazing things <a href="https://www.xyadviser.com/" target="_blank" rel="noopener">XY Adviser</a> has coming up this year, here's our favourite highlights:</p> <ul> <li>Why travelling is sometimes the best career advice you can give</li> <li>Clayton's greatest success emotionally with clients as a financial adviser</li> <li>Why a lifestyle change can open up a world of new opportunities</li> <li>The brand-new look and feel of XY</li> <li>The big names we are determined to get on the XY Podcast this year</li> <li>How Adrian is looking to combine the skillsets of accountants and advisers to maximise the value provided to clients</li> <li>And what does beer and financial advice have to do with each other?</li> </ul> <p>If travelling has ever been on your radar, we're pretty sure Emily's stories will have you wanting to book a ticket overseas now (apologies to employers everywhere). But if getting an employee back with a fresh perspective, a new outlook and a sense of accomplishment and motivation, we think that's a pretty good return on investment.</p> <p>P.S. This podcast is best enjoyed with a cold beer!</p> <p> </p> <p>And as always, a big thank you to our major partner ZURICH and also to SunSuper for the continued support.</p>

<p><a href="https://www.linkedin.com/in/glenjames/" target="_blank" rel="noopener">Glen James</a> is the financial adviser whose life does not revolve around his work. Instead, he moulds his work around his life up on the Central Coast and enjoys every minute of it. After starting his business <a href= "http://fortifyfinancial.com.au/" target="_blank" rel= "noopener">Fortify Financial</a> at the ripe age of 25, Glen recalls being young enough and dumb enough to think he could do it – and it turns out he could. With 8 years under his belt as a self-employed adviser, Glen has discovered what works and what doesn't work in his business and shares with us some of the lessons and ideas he has picked up along the way, like: </p> <ul> <li>Why he will only meet with clients on his terms (and what those terms are)</li> <li>Glen's guaranteed way to lock in a financial relationship with a client</li> <li>How to find a quality dealer group and build a strong professional relationship with them</li> <li>How Glen is using his '<a href= "https://www.sortyourmoneyout.com/savings-challenge/" target= "_blank" rel="noopener">2k18 Savings Challenge</a>' as a one to many approach and the response he is getting</li> <li>Why he uses the review process to re-educate his clients and how effective it is</li> <li>How he built his '<a href= "https://www.sortyourmoneyout.com/podcast/" target="_blank" rel= "noopener">Sort Your Money Out</a>' podcast from scratch</li> <li>Why Glen tells people he retired at 25 and what he loves about being a financial adviser</li> </ul> <p>Plus much, much more…</p> <p>This podcast is full of witty remarks, memorable one-liners and a bunch of new ideas and strategies that will have you thinking about how to shake things up within your practice and with your clients. </p> <p>-----</p> <p>As always, we'd like to give a big shout out to our major partner <a href="https://www.zurich.com.au/" target="_blank" rel= "noopener">Zurich</a> and to <a href="https://www.sunsuper.com.au/" target="_blank" rel="noopener">SunSuper</a> for the continued support.</p>

<p>At the age of 20, <a href= "https://www.linkedin.com/in/jamesmillard1/" target="_blank" rel= "noopener">James Millard</a> had it all figured out. He was going to make it big in the clothing industry, sell his 'Insufficient Funds' branded T-shirts to Billabong and never work a day in his life. Unfortunately for James this dream never eventuated, but fortunately for us, this failed business venture sent James down a 10-year career path in personal finance for which he now co-owns <a href="http://www.yolofs.com.au/" target="_blank" rel= "noopener">YOLO Financial Services</a>, hustles a lifestyle blog called '<a href="http://www.sufficientfundz.com/" target="_blank" rel="noopener">Sufficient Fundz</a>' and shares with us a some of the cool and innovative things he and his partners are trying within their business.</p> <p>Amongst the many topics discussed, here's some we really liked:</p> <ul> <li>How YOLO developed an in-depth marketing plan and how they are catering to three very different client demographics</li> <li>The (really cool) types of content marketing James and YOLO are focusing on in 2018</li> <li>What James thinks is one of the best business play cards you can have (hint: it rhymes with 'biting a hook')</li> <li>Why it's difficult for advisers to incorporate an element of 'story telling' and how to not just overcome it, but nail it</li> <li>Why there is a massive market for one-to-many online courses and who benefits most from this kind of business model</li> </ul> <p>Between juggling a financial planning business, maintaining a blog and recently adding the title 'Dad' to his repertoire, James has also kindly put his hand up to be the MC at our upcoming event in Sydney (thanks legend!) with a discussion around starting and scaling an advice business. With a power panel of speakers and an MC all with startup financial advice practices, it's guaranteed to be a night full of great ideas, advice and inspiration. <a href= "https://www.eventbrite.com.au/e/starting-and-scaling-an-advice-business-tickets-41800865514" target="_blank" rel="noopener">Click here</a> to grab your tickets.</p> <p>----------</p> <p>And as always, a big thank you to our major partner <a href= "https://www.zurich.com.au/" target="_blank" rel= "noopener">Zurich</a> and to <a href="https://www.sunsuper.com.au/" target="_blank" rel="noopener">SunSuper</a> for the continued support.</p>

<p>If straight up insight and opinion on the royal commission and areas around best interest duty, tough regulation for advisers and everything in between makes your ears prick up then this XY Podcast is exactly what you've been waiting for.</p> <div class="" data-block="true" data-editor="cj816" data-offset-key="1uh4j-0-0"> <div class="_1mf _1mj" data-offset-key="1uh4j-0-0"> <span data-offset-key="1uh4j-0-0"> </span></div> </div> <div class="" data-block="true" data-editor="cj816" data-offset-key="a7vrq-0-0"> <div class="_1mf _1mj" data-offset-key="a7vrq-0-0"> <span data-offset-key="a7vrq-0-0">With punchy lines like "are they bad advisers or just good employees", <a href= "https://www.linkedin.com/in/aleks-vickovich-ba018329" target= "_blank" rel="noopener">Aleks Vickovich,</a> author of <a href="https://www.amazon.com.au/USA-GDay-Aleks-Vickovich-ebook/dp/B0774TDV2X" target="_blank" rel="noopener">G'day USA</a>, award-winning journalist and legend commentator in the financial services space, ignites a constructive and thought-provoking discussion that looks into what brought this Royal Commission to light, implications that are likely to arise for various stakeholders and Aleks' crystal ball prediction on the result of this 12-month inquest.</span></div> </div> <div class="" data-block="true" data-editor="cj816" data-offset-key="fgn0r-0-0"> <div class="_1mf _1mj" data-offset-key="fgn0r-0-0"> <span data-offset-key="fgn0r-0-0"> </span></div> </div> <div class="" data-block="true" data-editor="cj816" data-offset-key="f803c-0-0"> <div class="_1mf _1mj" data-offset-key="f803c-0-0"> <span data-offset-key="f803c-0-0">Surrounding the buzz that is the royal commission, both Aleks and the XY panel also touch on other important topics affecting financial advisers like:</span></div> </div> <div class="" data-block="true" data-editor="cj816" data-offset-key="7rqso-0-0"> <div class="_1mf _1mj" data-offset-key="7rqso-0-0"> <span data-offset-key="7rqso-0-0"> </span></div> </div> <div class="" data-block="true" data-editor="cj816" data-offset-key="20lka-0-0"> <div class="_1mf _1mj" data-offset-key="20lka-0-0"> <span data-offset-key="20lka-0-0">• Why more and more advice businesses are looking to self-licence</span></div> </div> <div class="" data-block="true" data-editor="cj816" data-offset-key="6r4ks-0-0"> <div class="_1mf _1mj" data-offset-key="6r4ks-0-0"> <span data-offset-key="6r4ks-0-0">• The barriers advisers face having a responsibility to their client's but also to their employers - think professional ethics vs. KPI's.</span></div> </div> <div class="" data-block="true" data-editor="cj816" data-offset-key="5r56a-0-0"> <div class="_1mf _1mj" data-offset-key="5r56a-0-0"> <span data-offset-key="5r56a-0-0">• Implications for advisers regarding best interest duty and the way it is viewed by the law versus being viewed by a judge</span></div> </div> <div class="" data-block="true" data-editor="cj816" data-offset-key="7cjbm-0-0"> <div class="_1mf _1mj" data-offset-key="7cjbm-0-0"> <span data-offset-key="7cjbm-0-0">• Why Aleks believes it's paramount that the industry differentiates between financial product salespeople and holistic advisers but why both play an important role for consumers.</span></div> </div> <div class="" data-block="true" data-editor="cj816" data-offset-key="5dfo5-0-0"> <div class="_1mf _1mj" data-offset-key="5dfo5-0-0"> <span data-offset-key="5dfo5-0-0"> </span></div> </div> <div class="" data-block="true" data-editor="cj816" data-offset-key="ca69q-0-0"> <div class="_1mf _1mj" data-offset-key="ca69q-0-0"> <span data-offset-key="ca69q-0-0">Aleks Vickovich is a man of many words. He is willing to say what most are thinking and backs it up with facts and figures that can only come about by surrounding himself with the political play makers and financial industry shakers. This podcast is bound to give you plenty of i

<p>Master of 'technoclientology', financial adviser, behavioural specialist, speaker and author, there's not much that <a href= "https://www.linkedin.com/in/andymarshall68/" target="_blank" rel= "noopener">Andy Marshall</a> can't do.</p> <p>It's been two years since he hosted XY's <a href= "https://www.youtube.com/watch?v=-4A-wcIerDw" target="_blank" rel= "noopener">'The Modern Adviser' event</a> so we thought a catch up on all things finance, behaviour and everything in between was well and truly in order.</p> <p>In this comical and thought provoking podcast, Andy gives his insights and demonstrates his expertise by highlighting some important points surrounding the systematic and behavioural elements within the financial advice environment, some of which include:</p> <ul> <li>The importance of peer-to-peer networks and how this creates innovation within your business</li> <li>Why client's respond well to forward thinking advisers and how seasoned advisers are staying relevant</li> <li>How to balance the 'warm and fuzzy' goals based advice with the investment position to deliver the best possible outcomes for clients.</li> <li>Why sharing your own life experiences or those of other client's is extremely beneficial in building trust during the client journey</li> <li>The best kind of Fintech solution to add to your 'weapons of advice choice'</li> <li>Three things the best advice businesses are doing differently</li> </ul> <p>Andy Marshall is a serious wealth of knowledge who now spends most of his time with financial advisers, providing new ideas to help implement efficiency into their businesses. With a book titled 'Client Engagement for Financial Advisors' and a passion for using technology to engage with clients in a meaningful and relevant way, this is a guy you definitely want to listen to (and then google later on).</p>

<p>2017 has been a year full of surprises, changes and announcements. We saw a world divided over the inauguration of President Trump, the Australian Government announced a royal commission within the banking sector and cryptocurrencies appear to have become a household term overnight.</p> <p>For the XY community, 2017 has undoubtedly been the biggest year yet with an increasing presence of nearly 1,500 enthusiastic members driving the positive evolution of financial advice. With the Facebook group evolving into a central intelligence hub for advisers, the podcast getting a professional makeover, a new membership site on its way and events that are now moving out of Sydney and into a national agenda, it's fair to say that when it comes to XY in 2018, you ain't seen nothin' yet!</p> <p>To reflect on the year that was and to discuss the exciting things ahead; Clayton, Adrian, Ben and Ray all got together to shoot the breeze on things like:</p> <ul> <li>The hype around Bitcoin and why people want to invest in something 'sexy' (but probably shouldn't)</li> <li>Ideas and strategies Ben brought back from Fincon and why you should include content within a service based business to stay relevant</li> <li>Everything the XY community can look forward to in 2018</li> <li>Different practices and systems that are working (and not working) in advice businesses</li> <li>What the next toy of financial advice will be in 2018 (did someone say Big Data?) </li> </ul> <p>…plus loads more and with plenty of laughs!</p> <p>XY Adviser started when a handful of people got together and asked how they could best serve their clients and the industry they love. Today, the success of XY Adviser is the result of an entire community who understands the value and benefit that comes with sharing knowledge and ideas and supporting each other. 2017 has been great, but we have a feeling 2018 is going to be EPIC!</p> <p><br /> Enjoy.</p>

<p>Two years ago we interviewed <a href= "https://www.linkedin.com/in/cathryn-gross/" target="_blank" rel= "noopener">Cathryn Gross</a> who was just two months into launching her brand new business <a href="http://twelvewealth.com/" target= "_blank" rel="noopener">Twelve Wealth</a>. Two years on from the single most downloaded XY Live podcast ever (<a href= "https://www.youtube.com/watch?v=_m-Gh5wM4ak" target="_blank" rel= "noopener">watch it here</a>), it was a no brainer that we had to get Cathryn back on the show to follow up and get the juicy on what it's <em>really</em> like building an advice business from scratch. </p> <p>From starting out with referrals from her hairdresser and GP to now working with upwards of 30 really engaged and sticky clients, Cathryn has developed a business model that targets a very specific niche clientele while providing a high level of service focusing on both the logical and emotional value she can add to client's lives and financial wellbeing.</p> <p>In this episode both Cathryn and Ben are not shy in opening up about some of the important and often personal aspects of running an advice business such as:</p> <ul> <li>Their pricing models</li> <li>Their fee structures</li> <li>Their client exit rates</li> <li>Their referral process</li> <li>Other ways to generate income streams and acquire new clients</li> </ul> <p>…and all with figures included!</p> <p>Cathryn also explains why she has moved away from the traditional process of trying to implement all of the different elements of a full SOA all at the same time and how she has successfully retained the client's commitment to fulfilling their implementation obligations by doing this.</p> <p>This episode is for anyone who has ever thought about taking the leap and going out on their own. This episode is for anyone who already owns an advice business. This episode is for anyone who wants some fresh ideas as to how they can best service their clients. This episode is for everyone in advice.</p> <p>Take it all in, take notes and enjoy!</p>

<p>Is this the most useful whitepaper ever produced in Financial Services?</p> <p><a href="https://www.linkedin.com/in/benjamin-marshan-6617191/" target="_blank" rel="noopener">Benjamin Marshan</a> is at the forefront of a digital whitepaper having just been released by the <a href="https://fpa.com.au/fintech/" target="_blank" rel= "noopener">FPA</a> and encompassing months (and months) of research looking at the marketplace relative to Fintech and the Financial Services industry. We have an accidental run-in at Bunnings to thank for the idea which kick started a project analysing over 400 Fintech startups and piecing together a document designed to act as a 'thought starter' when looking at practice efficiencies and the advice process.</p> <p>Ben addresses the obvious pain points being felt by most advisers like which technologies should we be implementing in our practices and questions that perhaps we haven't even considered – is there a benefit to working with Fintech companies that look to exclude the adviser? Here's our favourite takeaways from this week's XY Live:</p> <ul> <li>Why it's important to map out the entire advice giving process within your practice and how to address inefficiencies</li> <li>Ben's thoughts on advisers being replaced by robots</li> <li>The key area in the advice process that is lacking Fintech</li> <li>Why Ben wants to disrupt the way we present the SOA and how he plans on doing it</li> <li>How ASIC is monitoring new Fintech companies and their duty of care for clients</li> <li>How to decide on which technologies to implement into your practice</li> </ul> <p>With chapter titles such as 'Do you know how to Fintech', this interactive digital whitepaper is chock-a-block full of useful information, tips and advice which you can implement into your practice now and evolve into the future. Don't worry, there is also a paper version available <a href="https://fpa.com.au/fintech/" target="_blank" rel="noopener">here</a> which can be downloaded, saved, opened, printed, stapled, read and then probably lost in amongst all the other paperwork floating around your office. Or, check out the digital version <a href="https://fpa.com.au/fintech/" target="_blank" rel="noopener">here</a> and experience interactive technology in the way your client's may just be able to do so with your advice presentation soon.</p>

<p>Daring. Different. Disruptive. <a href= "http://foxandharewealth.com/" target="_blank" rel="noopener">Fox & Hare</a> are taking everything we know about the 'traditional' approach of giving advice and breaking it, re-shaping it and re-building a framework (from the ground up might we add) that is value driven and specifically tailored to help their clients live a life they aspire to.</p> <p>You could say <a href= "https://www.linkedin.com/in/glen-hare-8594a528/" target="_blank" rel="noopener">Glen Hare</a> and <a href= "https://www.linkedin.com/in/jessica-brady-21165812/" target= "_blank" rel="noopener">Jessica Brady</a> were both crazy (and some people did) for leaving behind highly successful corporate roles to start their own advice firm and without purchasing a single book of clients. You could say they are still crazy for the 13+ hour days they put in and the Saturday morning client meetings they organise on the regular.</p> <p>But it's when you digest the 'whys' of what they do that you realise they're not crazy at all, they're passionate. From this XY Live, here's a summary of what two courageous and driven individuals are doing to change the way we deliver advice, straight from the Fox & Hare's mouth: </p> <ul> <li>How to create a manageable and productive work/life balance</li> <li>Lessons learnt around building an advice firm from scratch</li> <li>Which area of the market they saw was not being serviced</li> <li>Understanding their client's frustrations and overcoming them</li> <li>How to <em>show</em> the value of a client proposition and not <em>sell</em> it</li> <li>Why critiquing is so important for business growth and the best way to get valuable feedback (think focus groups)</li> </ul> <p>And plenty more…</p> <p>Glen and Jessica believe everyone has some kind of financial aspiration, but most just don't have a game plan. They are making it their mission to understand their client's pain points and then move mountains to overcome them.</p> <p>Enjoy!</p>

<p>You've heard the latest industry buzzwords popping up left, right and centre – disruption, innovation, Fintech. But what do that actually mean and more importantly, how do they relate and what benefit are they to financial advisers?</p> <p>Back from a recent expedition across the seas to the annual <a href="https://finconexpo.com/" target="_blank" rel= "noopener">Fincon</a> Conference and jumping on the opportunity to further understand the people and technologies that have changed the world in Silicon Valley, Pieta Diamantidis, Co-Founder of <a href="http://caboodlefs.com.au/" target="_blank" rel= "noopener">Caboodle Financial Services</a> and aspiring 'bionic adviser' helps us to understand how far we've come since the first 'tech bubble', to what's happening (or not happening) in the industry now and where this ever-evolving digital space is headed.</p> <p>As this informative (and energetic) discussion coincides with the upcoming XY Adviser event '<a href= "https://www.eventbrite.com.au/e/silicon-valley-on-bridge-street-tickets-37904737089" target="_blank" rel="noopener">Silicon Valley on Bridge Street</a>'; Peita, Ray & Adrian delve down the rabbit hole of some interesting and thought provoking topics such as:</p> <ul> <li>Looking for ideas with applied innovation that can be effectively implemented to create real and lasting improvements to clients and/or staff and practice efficiencies</li> <li>Why focusing on 'creating' the marketplace around an idea and <em>then</em> building the product is much more effective than the other way around</li> <li>Companies in the tech space capturing psychological data with A.I. and how financial advisers can implement this into their advice proposition</li> <li>Startups creating the tools to help advisers bridge the gap between data capture and the human connection</li> <li>Looking for the next 'Hoover' idea and why it needs to change the way people engage with their money…</li> </ul> <p> </p> <p>Identifying such interesting and at times controversial topics, Peita is excited as ever to expand on this by asking the hard-hitting questions with guest speakers Joel Robbie (<a href= "https://nod.money/home" target="_blank" rel="noopener">Nod Money</a>), Ben Heap (<a href="https://h2.vc/" target="_blank" rel= "noopener">H2 Ventures</a>) and Clayton Daniel (<a href= "http://sproutsuper.com.au/" target="_blank" rel="noopener">Sprout Super</a>) at next week's event.</p> <p>If you have a question surrounding the disruptive Fintech space, feel free to shoot it through to <a href= "mailto:[email protected]">[email protected]</a> and Peita be sure to address them on the night. Or better yet, grab your ticket for the event and ask the experts yourself. It's going to be a cracker of a night!</p>

<p>Investing with your head and your heart. This sums up the work of <a href="https://www.linkedin.com/company/1075845/" target= "_blank" rel="noopener">Geoff Wilson</a> and his team of investment fund managers at <a href="http://wilsonassetmanagement.com.au/" target="_blank" rel="noopener">Wilson Asset Management (WAM)</a>.</p> <p>With over 37 years' experience in the investment market industry, <a href="http://wilsonassetmanagement.com.au/about-us/" target="_blank" rel="noopener">Geoff Wilson</a> pioneered Australia's first ever listed philanthropic wealth creation vehicles (Future Generation Investment Company & Future Generation Global Investment Company) and has crafted a philosophy that benefits shareholders and investors and uses this as a driver to give back to the community by donating a percentage of investment returns to Australian and International charities.</p> <p>Geoff brings the what's, the how's and the why's of philanthropic investing by exploring some key elements including:</p> <ul> <li>The major benefits offered to investors including access to top performing fund managers and the opportunity to be involved in the philanthropic process</li> <li>The best types of clients suited to this style of investing</li> <li>The benefits of investing in a system with increased job fulfilment, high fund manager retention and positive brand awareness</li> <li>The abilities of top tier fund managers to pinpoint undervalued assets and investment mispricing opportunities to generate significant returns for shareholders and in turn charities</li> <li>The benefits of having a scalable business model that produces positive philanthropic returns</li> <li>The benefits of a Listed Investment Company (LIC) as opposed to other trusts</li> </ul> <p>Geoff believes that as we move up the Maslow hierarchy of needs, there comes a time when we should ask ourselves how we can give back to the community we operate in.</p> <p><em>"We all have a responsibility and a right to give back, and we are simply providing the funnel or the structure for this to happen" – Geoff Wilson.</em><em> </em></p> <p>You're going to love this one!</p>

<p>"<em>Having rubbish content is like trying to put lipstick on a pig</em>" – Thea Cowie from <a href= "https://www.99content.co/#home" target="_blank" rel= "noopener">99Content</a></p> <p>Thea Cowie is the editor and content marketing guru from <a href="https://www.99content.co/#home" target="_blank" rel= "noopener">99Content</a> who understands the importance of using content marketing to make your business' brand really shine.</p> <p>In today's episode we explore all of the components that make up great content marketing and how you can implement these best practices to provide consistent, engaging and personalised content that will continually add value to your current and future clients and in turn, your bottom line.</p> <p>During this exciting and comical Q&A discussion, Thea gives us the low down on the following:</p> <ul> <li>How the Financial Services Industry has embraced content marketing</li> <li>Why having good quality content is critical for successful content marketing</li> <li>The do's and absolutely do not's of content marketing</li> <li>Free online programs to help amplify the quality of your images and visuals</li> <li>Traditional vs. Progressive advisers and how content marketing can benefit both</li> <li>How to outsource content creation when you are not a natural writer (it's really easy!)</li> <li>How injecting your personality into your content is going to make you stand out from the crowd</li> <li>Guest posting, the best types of content to create and how much time you should spend creating it…</li> </ul> <p>…and much more!</p> <p> </p> <p>There's a piece of content on the internet for just about every topic. How are you going to ensure you position yourself as an expert in your industry and provide clients with quality, value added content to best help them through their financial journey?</p> <p> </p> <p>Enjoy!</p>

<p>On this episode of XY Live, we will be discussing with Chris how to balance out all the competing priorities in your business, from business development to service innovation and getting the right people around you. As the current CEO of MyProsperity and ex CEO of Xero Chris will share the mistakes he's made and many of the things he's learnt at the business start up stage which are useful to financial advice practices.</p> <p>Note: there was some great value shared in this session, however, audio issues were experienced at times. Please use the fast forward function to skip through when low audio quality is experienced.</p>

<p>Interviews by Adrian Patty</p> <p>Michael Back, a specialist consultant to Financial Advice businesses, will be joining us to unpack how people can achieve more fulfillment in the workplace. We'll be running through how employees can find more passion in what they do and also what businesses can do to help them achieve this. Michael will share his personal story as well as the insights he's gleaned from working with some of the best advice businesses in Australia.</p>

<p>Interviews by Ray Jaramis</p> <p>So you're in your business and wondering how you can get better relationships with your clients and keep them around for longer whilst leveraging referral opportunities at the same time.<br /> Social proof in the digital age is huge and potential clients are googling more than ever to learn about the people they're considering doing work with.</p> <p>Join us with Ray McHale to discuss all things building a digital presence and what this means for your business now and into the future.</p>

<p>Interviews by Clayton Daniel.</p> <p>Join us on this exciting episode with Steve Crawford, Financial Coach & Adviser at Experience Wealth to discuss Cash Flow and a lot more. Watch it here.</p>

<p>On this special episode of XY Live, we had Simon O'Dell, Co-founder of Manner & Director of Eagle Insurance Brokers to talk about general insurance in your advice offering.</p>

<p>On this special episode of XY Live, we have Clayton Daniel chat with Angus Woods, Managing Director at Adviser Ratings to discuss about Dealer Groups. Listen here as they talk about how they are connecting people and bring bright ideas with those who provide it at a better cost, in better ways and with greater transparency.</p>

<p>Interviews by Ray Jaramis</p> <p>Finding a personal loan with good terms can be challenging, which is why some borrowers consider peer-to-peer (P2P) lending. Crown Money Management is Australia's leading specialist in debt and money management and we are fortunate enough to have CEO Scott Parry join us to talk all things P2P lending solutions for his clients.</p>

<p>Interviews by Adrian Patty</p> <p>This week we had Muneesh Wadha, Founder of Humanity in Business, to share his story on how they have been inspiring leaders who are creating highly engaged and purposeful businesses. They have also talked about how can advisers get their clients.</p> <p> </p>

<p>Interviews by Adrian Patty</p> <p>Sam Robinson and Josh Winsgrove will delve into why they made the call to set up a board and how the did it. We'll discuss the benefits the challenges and the way other advice practices can do it as well.</p>

<p>In this episode we had Adrian Patty talk to Gavin Glozier from Your Wealth Hub about some of the stats around financial wellness program. Learn more of the prospective client journey and how has it been designed. Listen to what technology was helpful and how it affected the bottom line.</p>

<p>In this episode of XY Live with Ben Nash, Adrian Patty, Phil Thompson and Naomi Christopher had a very informative Forum Chat with Dante De Gori, CEO of the Financial Planning Association of Australia (FPA). Listen here as they talked about Digital Advice and how it is changing the game. Learn about the role of the traditional adviser play in the future of advice and professional standards play out with technology.</p> <p>Join our community on Facebook! In the interest of making people comfortable to share in confidence we require everyone to complete a short survey and acknowledge the intent of the group:</p> <p>https://www.facebook.com/groups/XYAdviser</p>

<p>Interviews by Adrian Patty and Phil Thompson</p> <p>In this episode of XY Live, Christopher Bates of Wealthful has focused a lot on the property conversation with clients over the last few years. He has been a Financial Planner and Mortgage Broker based in Sydney and Melbourne. He will be sharing how he incorporates it into his advice offering, what the challenges have been and his hot tips for advisers wanting to expand their engagement and service in this space. He will be also be sharing how his conversations take place around helping clients understand when there's a conflict between their goals.</p>

<p>On this XY Live on Facebook Live session, we have Adrian Patty and Ben Nash to talk to David Boyer from Sequal CFO and the From the Trenches podcast. In 2014, he established Sequel CFO subsequent to seeing an excessive number of SME organizations neglect to increase financial control and perceivability from their internal accounting function.<br /> He'll be explaining how to engage for a profitable relationship with accountants, explore the challenges, find opportunities and share insights and tips on how to go about it.</p>

<p>Interviews by Phil Thompson and Clayton Daniel<br /> <br /> In this episode of XY Live on Facebook Live, we had Chris Hockey of Innovative Financial Solutions, who talked about how he was able to build a national advice firm from a one-man practice. Listen to his story.</p>

<p>Interviews by Ben Nash and Naomi Christopher</p> <p>In this episode of XY Live on Facebook Live, we have James Millard, Founder and Director of YOLO Financial Services, to share with you lessons , debunk a few myths, and provide guidance on starting a Financial Blog.</p>

<p>Interviews by Ray Jaramis and Phil Thompson</p> <p>Did you know you can offer financial advice for $30? NOD has facilitated over 2000 consumers questions to advisers with an average turn around time of 24 hours.</p> <p>Nod's mission is to create a platform where everyone on the planet can get on-demand access to help with financial decisions and questions about money from a network of trusted financial experts. NODs target market are young people – generally those under 35 – who do not currently have a financial adviser but are making big money decisions around things like buying a car or house, getting married, starting a family, or launching a business.</p> <p>Getting advice about money is as simple as: 1) Ask a question. 2) Pick an adviser. 3) Get a great answer.</p> <p>Founder Joel Robbie is interviewed this week to talk all things start up about how the platform came into being.</p> <p>Join us again next week. XY Live Episode 41 - Lessons learned from starting a financial blog and tips for setting one up on XY Adviser Facebook Live!</p>

<p>Interviews by Ben Nash, Phil Thompson, Adrian Patty, Clayton Daniel and Naomi Christopher</p> <p> </p> <p>In this episode of XY Live on Facebook Live, we have the folks of XY Live together with Nick Hake, General Manager, Partnerships & Campus AFA. This exciting Forum Chat is about exchanging ideas around education in the financial advice profession - is a degree a high enough benchmark?</p>