Ensombl Advice Australia

In this episode, Rocksy speaks with Josh Cratchley, CEO & Founding Partner at Walker Lane. Josh explains how they support and grows advice practices through shared services, a flexible licensee model, and a focus on efficiency and specialization.

Josh Cratchley LinkedIn: https://www.linkedin.com/in/josh-cratchley-cfp-16189246/
Walker Lane Website: https://www.walkerlane.com.au/

Explore the road less travelled at https://www.pmcapital.com.au/

General Disclaimer – https://www.ensombl.com/disclaimer/

Managed accounts are often sold on efficiency, but their impact can run much deeper than streamlining portfolio administration. In this episode, host Ben Nash is joined by Lance Rowlands from Wealth Directions and David Hutchison from AMP to explore how managed accounts are reshaping the advice model itself.

Drawing on Lance’s experience implementing managed portfolios across his practice, the discussion looks at how greater efficiency, stronger governance and more consistent portfolio implementation can free advisers to spend more time on strategy, client goals and the parts of advice that matter most. From client engagement and fee models to customisation, performance measurement and implementation challenges, the episode offers a practical look at what changes when managed accounts become embedded in the way an advice business operates.

David Hutchison LinkedIn: https://www.linkedin.com/in/davidkhutchison/
Lance Rowlands LinkedIn: https://www.linkedin.com/in/lance-rowlands-a0879b8/

Grown with North: https://lnkd.in/gwczfBKK

General Disclaimer – https://www.ensombl.com/disclaimer/

Important Information

The information has been provided by NMMT Limited ABN 42 058 835 573, AFSL 234653 (NMMT). It contains general advice only, does not take account of your personal objectives, financial situation or needs, and you should consider whether this information is appropriate for you before making any decisions. It’s important you consider your circumstances and read the relevant product disclosure statement and target market determination, available from northonline.com.au or by contacting the North Service Centre on 1800 667 841, before deciding what’s right for you.

You can read the Financial Services Guide online for more information, including the fees and
benefits that companies related to NMMT, N.M. Superannuation Proprietary Limited ABN 31 008 428 322, AFSL 234654 (N.M. Super) and their representatives may receive in relation to products and services provided.

MyNorth Lifetime is a part of MyNorth Super and Pension which is issued by NM Super, as trustee of the Wealth Personal Superannuation and Pension Fund ABN 92 381 911 598. Past performance is no guarantee of future performance.

The views and opinions of the advisers in this podcast are theirs and do not necessarily reflect the views and opinions of NMMT. The adviser has not been paid to provide their view or opinion in this podcast.

North and MyNorth are trademarks registered to NMMT

In this episode, Ben is joined by Yvonne Chu, Head of Technical and Paraplanning at Entireti. They discuss how advisers can deliver stronger and more defensible life insurance advice by developing a clear insurance philosophy, applying consistent needs analysis, documenting client conversations, managing replacement advice and pre-assessments, and clearly explaining premiums, policy terms and trade-offs to clients.

Yvonne Chu LinkedIn: https://www.linkedin.com/in/yvonne-chu-8b2b9a51/
Entireti Website: https://entireti.com.au/

Visit The Adviser Portal and partner with Zurich and OnePath today: https://advisers.zurich.com.au/resources/adviser-portal

General Disclaimer – https://www.ensombl.com/disclaimer/

Global markets may be dominated by the US, but that doesn’t mean the best opportunities are. In this episode, host Andrew Rocks is joined by Kevin Bertoli from PM Capital to explore how long-term, flexible investing can uncover genuine market anomalies around the world.

From European banks and global decoupling to inflation, AI and commodity cycles, Kevin explains why they're looking beyond index weights and short-term market narratives to back a small number of high-conviction themes. With valuations stretched in parts of the US and Australian markets, the discussion highlights why flexibility, patience and a truly global opportunity set may matter more than ever.

Kevin Bertoli LinkedIn: https://www.linkedin.com/in/kevinbertoli/

Explore global market opportunities with PM Capital’s Global Companies Fund: https://www.pmcapital.com.au/

General Disclaimer – https://www.ensombl.com/disclaimer/

When markets become captivated by the next big theme, some of the best opportunities can emerge in the places investors have stopped looking. In this episode, host Ben Nash is joined by Allan Gray senior investment specialist Chris Hestelow to explore how a contrarian, bottom-up approach is finding value beneath the market headlines.

From AI and semiconductor beneficiaries to healthcare, property, energy and overlooked industrial businesses, Chris explains why a great story doesn’t always make a great investment—and why price still matters. The pair also unpack recent reporting-season volatility, rising index concentration and the case for looking beyond today’s market leaders to build genuinely diversified portfolios.

Our distinctive take on investing means that each of our Funds brings something different to portfolios. To learn more, reach out to our team or visit https://www.allangray.com.au/

Chris Hestelow LinkedIn: https://www.linkedin.com/in/chris-hestelow-cfa-97264812a/
Ben Nash LinkedIn: https://www.linkedin.com/in/benjaminjnash/

General Disclaimer – https://www.ensombl.com/disclaimer/

In this episode, Ben talks with Nicole Bendeich from Calibre Life. They discuss her journey from admin and paraplanning into running a boutique risk advice practice, and how thoughtful processes, clear client communication, and confidence in human connection can make small, specialist life insurance businesses both viable and deeply rewarding.

Nicole Bendeich LinkedIn: https://www.linkedin.com/in/nicole-bendeich/
Calibre Life Website: https://www.calibrelife.com.au/

Visit The Adviser Portal and partner with Zurich and OnePath today: https://advisers.zurich.com.au/resources/adviser-portal

General Disclaimer – https://www.ensombl.com/disclaimer/

Earn 0.75 CPD here: https://quiz.ensombl.com/CPDC-26071702-34390001
0.25 Client Care & Practice
0.25 Technical Competence
0.25 Regulatory Compliance and Consumer Protection

In this first episode, Sarah Leslie is joined by Matthew Lloyd and Alex Berlee from AGS Financial Group. They discuss how recent Australian aged care reforms have increased complexity and costs, reshaped home and residential care funding (including packages, co-contributions, RADs, and respite), and why advisers must proactively plan, skill up or partner with specialists, and start aged care conversations early to better support clients and their families.

Matthew Lloyd LinkedIn: https://www.linkedin.com/in/matthew-lloyd-mfinplan-mba-21913349/
Alex Berlee LinkedIn: https://www.linkedin.com/in/alexberlee/
AGS Financial Group Website: https://agsfinancialgroup.com.au/

For more information on aged care, access our whitepaper: https://ensombl.com/go/20260720-2/

General Disclaimer – https://www.ensombl.com/disclaimer/

Earn 1.0 CPD here: https://quiz.ensombl.com/CPDC-26071702-40430001
0.25 Client Care & Practice
0.25 Technical Competence
0.25 Regulatory Compliance and Consumer Protection
0.25 Professionalism and Ethics

In this episode, Sarah speaks with Ben Hillier, Director Retirement at AMP. They explore how advisers can integrate aged care into holistic retirement planning by recognizing changing spending patterns, modeling government and out-of-pocket care costs, using structured frameworks like the 5Ls, and implementing income and equity strategies that give clients financial confidence and flexibility throughout retirement.

Ben Hillier LinkedIn: https://www.linkedin.com/in/ben-hillier-au/

For more information on aged care, access our whitepaper: https://ensombl.com/go/20260720-2/

General Disclaimer – https://www.ensombl.com/disclaimer/

Earn 1.25 CPD here: https://quiz.ensombl.com/CPDC-26071702-47270001
0.25 Client Care & Practice
0.50 Technical Competence
0.25 Regulatory Compliance and Consumer Protection
0.25 Professionalism and Ethics

In this final installment, Sarah talks to Shaun Ganguly, Founder & Principal Adviser at Prime Years Financial Planning. They discuss how advisers can effectively integrate aged care into long‑term retirement planning by reshaping advice processes, managing Centrelink and facility interactions, using specialised income and asset strategies, pricing and scoping aged care work appropriately, and collaborating with specialists to better support families emotionally, practically, and financially.

Shaun Ganguly LinkedIn: https://www.linkedin.com/in/australiasretirementguy/
Prime Years Website: https://www.primeyears.com.au/
Shaun Ganguly Website: https://shaunganguly.com.au/

For more information on aged care, access our whitepaper: https://ensombl.com/go/20260720-2/

General Disclaimer – https://www.ensombl.com/disclaimer/

Earn 1.0 CPD here: https://quiz.ensombl.com/CPDC-26071401-57440001
0.25 Technical Competence
0.25 Client Care and Practice
0.25 Regulatory Compliance & Consumer Protection
0.25 Professionalism and Ethics

This week, Rocksy speaks with Matt Fogarty, Executive General Manager - Partnerships at Infocus. They explore Matt’s journey in financial advice and his leadership of Infocus, and its four-pillar model and partnerships that help advice practices grow.

Matt Fogarty LinkedIn: https://www.linkedin.com/in/matt-fogarty-2900825/
Infocus Website: https://www.infocus.com.au/

Explore the road less travelled at https://ensombl.com/go/20260715-2/

General Disclaimer – https://www.ensombl.com/disclaimer/