Individual licensing - FPA, PP.  Professionalism

ALRC - 3 year to presentation, 10 year to deliver, Sept 22, Nov 23 (Final) Website now

QAR - Michelle Levy. Low hanging fruit

1. Advice Docs

2. TMD

3. General Advice

4. Not having to give full advice

5. Language

6. Tax deductibility

Adding value, 

Remove fear of the regulator

Finfluences

Vertical integration

Insurance commissions

Mental Health

Andrew Inwood and Core Data insights