Ensombl Advice Australia

Imagine having access to a proven financial coaching strategy designed to help millennial clients smash their financial and lifestyle goals and become the best version of themselves. Now imagine learning this strategy from the #1 Advice firm for millennials - Wealth Enhancers (www.wealthenhancers.community).

Finn Kelly (@TheFinnKelly) is the Wealth Enhancers co-founder, Young Presidents and Entrepreneurs Organisations Forum Facilitator, Speaker and Millennial Money Expert who built a niche business model which didn't yet exist in Financial Services. Aside from providing a highly successful financial coaching service to high performing millennials, Wealth Enhancers have also built a strong and reputable brand which has become well renowned not only in the finance industry but with consumers seeking advice.

In this episode, Finn explains the key differences between a Financial Adviser and a Financial Coach, how Wealth Enhancers built a different view of Financial Advice for a generation who traditionally haven't sought advice, the four elements you need in your offering to help millennials build financial wealth and how Financial Advisers can work together to raise the collective consciousness and provide great advice to those who really need it.

XY Adviser Online Training Platform - https://www.xyadviser.com

General Disclaimer - https://www.xyadviser.com/disclaimer/

This podcast is proudly supported by netwealth (www.netwealth.com.au), an ASX listed company ranked #1 for overall platform functionality and user satisfaction by Investment Trends for the past three years.

netwealth understands that the Financial Advice landscape is changing and is providing market leading technology to help you explore new perspectives and realise new efficiencies. Through excellent customer service and expertise, netwealth are working with XY Advisers to innovate and drive Financial Advice forward.

Imagine being part of a career advocacy program specifically designed to help female financial advisers obtain guidance, advice and support from other experienced and successful advisers to help them achieve their full potential.

Allison Macfarlane (LinkedIn: allisonmacfarlane/) is the Distribution Manager from Centuria (www.centuria.com.au) who has a wealth of experience working closely with Financial Advisers and is passionate about supporting women in Financial Services through the Financial Executive Women Association (www.executivewomeninfinance.com.au/).

In this episode, Allison and Ray discuss why we're seeing more females start a career in Financial Services than ever before and why the current regulatory framework needs to change to reach the 80% of consumers who would benefit from sound financial advice. Allison also explains how Centuria's unlisted and listed property funds work, the types of Advisers suited to this model of specialist investing and the licensing requirements you need to be aware of.

XY Adviser Online Training Platform - https://www.xyadviser.com

General Disclaimer - https://www.xyadviser.com/disclaimer/

This podcast is proudly supported by Netwealth (www.netwealth.com.au), an ASX listed company ranked #1 for overall platform functionality and user satisfaction by Investment Trends for the past three years.

Netwealth understands that the Financial Advice landscape is changing and is providing market leading technology to help you explore new perspectives and realise new efficiencies. Through excellent customer service and expertise, Netwealth are working with XY Advisers to innovate and drive Financial Advice forward.

Are you a Financial Adviser looking for ways to engage more people with their money? Learn from a business strategist, innovator and financial adviser who has created a platform giving more people access to great financial support to make better financial decisions.

Gavin Glozier (@GGlozier) is the Director & Co-Founder of Your Wealth Hub (YWH) (www.yourwealthhub.com.au) who works with progressive employers to deliver financial wellness programs to employees designed to alleviate financial stress around money and improve workplace morale and productivity.

In this episode, Gavin explains how YWH is able to go into a workplace and give employees a safe space to discuss their financial problems, how Financial Advisers can leverage the power of education to help more people start engaging with their money, how Gavin runs four businesses while working remotely from Bali for part of the year and whether Gavin believes legislation will get re-written to de-couple financial advice from products post Royal Commission.

XY Adviser Online Training Platform - https://www.xyadviser.com

General Disclaimer - https://www.xyadviser.com/disclaimer/

This podcast is proudly supported by Netwealth (www.netwealth.com.au), an ASX listed company ranked #1 for overall platform functionality and user satisfaction by Investment Trends for the past three years.

Netwealth understands that the Financial Advice landscape is changing and is providing market leading technology to help you explore new perspectives and realise new efficiencies. Through excellent customer service and expertise, Netwealth are working with XY Advisers to innovate and drive Financial Advice forward.

When it comes to vertical integration and regulatory requirements in the advice industry, there's no one more qualified to give us the 101 then Claire Wivell Plater (@ClaireWivPlat) of The Fold Legal (www.thefoldlegal.com.au).

In this insightful episode with Ray and Adrian of XY Adviser, Claire discusses whether the industry has an issue with 'vertical integration' or rather a 'conflict of interest'. She also explains what Target Market Determination is and how it will help advisers provide more appropriate advice as well as the key to managing the potential issues that arise with in-house products.

If the words compliance, best interest duty or vertical integration have ever made your ears prick up, this is the episode you want to listen to.

XY Adviser Online Training Platform - https://www.xyadviser.com

General Disclaimer - https://www.xyadviser.com/disclaimer/

This podcast is proudly supported by Netwealth (www.netwealth.com.au), an ASX listed company ranked #1 for overall platform functionality and user satisfaction by Investment Trends for the past three years.

Netwealth understands that the Financial Advice landscape is changing and is providing market leading technology to help you explore new perspectives and realise new efficiencies. Through excellent customer service and expertise, Netwealth are working with XY Advisers to innovate and drive Financial Advice forward.

Stella Norberti (LinkedIn: /stellanorberti/) is the gung-ho adviser and part owner of Absolute Wealth Advisors (AWA: www.absolutewealthadvisors.com.au/ )who juggles a family of three kids and holds the unofficial record for the loudest keyboard tapping (according to Ben). Stella started out providing great customer service to clients nine years ago as a CSO and is now providing great strategic advice to families and individuals, and loving it!

In this episode, Ben and Adrian find out what work-life balance looks like for Stella, how the AWA team structure their upfront and ongoing services, how they shift their advice process to cater for both younger and older clients, the benefits of mapping out client reviews a year in advance and how AWA is leveraging videos to train staff and educate clients.

XY Adviser Online Training Platform - https://www.xyadviser.com

General Disclaimer - https://www.xyadviser.com/disclaimer/

This podcast has been brought to you by Zurich Life & Investments (www.zurich.com.au), one of the last true independent life insurers in Australia. Zurich has always believed in the value of advice and the professionals who provide it.

They continue to invest in programs such as this one that are designed to strengthen the health and reputation of the advice profession. We are proud to partner with Zurich to help shape the future direction of advice and make it more accessible to more Australians.

Brian Parker is a public speaker and regular on Sky Business as Sunsuper’s Chief Economist. Aside from great banter, Brian also has over 20 years’ experience in asset allocation, macroeconomics and the art of investing.

In this episode, Brian, Clayton and Adrian discuss key macro factors advisers need to be aware of as well as a snapshot of what’s happening across international markets. Brian also touches on jobs likely to be the source of growth in the future and what makes a sound investment. Adrian opens up the ethical investing and social business conversation while Clayton wants to know if AI is really making humans redundant in Financial Services.  

XY Adviser Online Training Platform  -

https://www.xyadviser.com

General Disclaimer -

https://www.xyadviser.com/disclaimer/

This podcast has been brought to you by Zurich Life & Investments (www.zurich.com.au), one of the last true independent life insurers in Australia. Zurich has always believed in the value of advice and the professionals who provide it.

They continue to invest in programs such as this one that are designed to strengthen the health and reputation of the advice profession. We are proud to partner with Zurich to help shape the future direction of advice and make it more accessible to more Australians.

Brian Parker (@parkernomics) is a public speaker and regular on Sky Business as Sunsuper's Chief Economist (www.sunsuper.com). Aside from great banter, Brian also has over 20 years' experience in asset allocation, macroeconomics and the art of investing.

In this episode, Brian, Clayton and Adrian discuss key macro factors advisers need to be aware of as well as a snapshot of what's happening across international markets. Brian also touches on jobs likely to be the source of growth in the future and what makes a sound investment. Adrian opens up the ethical investing and social business conversation while Clayton wants to know if AI is really making humans redundant in Financial Services.

XY Adviser Online Training Platform -

https://www.xyadviser.com

General Disclaimer -

https://www.xyadviser.com/disclaimer/

This podcast has been brought to you by Zurich Life & Investments (www.zurich.com.au), one of the last true independent life insurers in Australia. Zurich has always believed in the value of advice and the professionals who provide it.

They continue to invest in programs such as this one that are designed to strengthen the health and reputation of the advice profession. We are proud to partner with Zurich to help shape the future direction of advice and make it more accessible to more Australians.

Pop the virtual champagne – XY Adviser celebrates its 100th podcast episode - and what a ride it's been! We invited XY legend Naomi Christopher (@naomi_midwinter) into the studio to reflect and reminisce on early podcast episodes, the modern adviser conference and the day the XY Adviser idea was born.

We also discuss how the XY community has evolved thanks to incredible peer to peer engagement (shout out to XY champion Dylan Martin) and give insights into what it's like to moderate a group of 2,500 + professionals.

We look at how far advice has come, where it's headed and how the XY Community is going to help it get there. And in light of everything going on in the industry, Ben poses the question – in 12 months from now, will more or less people have a financial adviser?

XY Adviser Online Training Platform -

https://www.xyadviser.com

General Disclaimer -

https://www.xyadviser.com/disclaimer/

This podcast has been brought to you by Zurich Life & Investments (www.zurich.com.au), one of the last true independent life insurers in Australia. Zurich has always believed in the value of advice and the professionals who provide it.

They continue to invest in programs such as this one that are designed to strengthen the health and reputation of the advice profession. We are proud to partner with Zurich to help shape the future direction of advice and make it more accessible to more Australians.

There has been plenty of discussions as well as some confusion in the XY community around QROPS. What is it (really) and how do we help our UK expat clients in this space compliantly? So to go beyond just the nuts and bolts of it all, we went straight to the source and invited Adam Turk (@adamdturk) – UK Expat and CEO of Harbourside Capital (www.harboursidecapital.com.au/) into the studio to give us the lowdown.

Aside from getting the 'everything you need to know about QROPS' spiel, this episode also explores (and debates) Best Interest Duty, holistic advice against vertical integration, important changes coming for anyone using an MDA and Adam's take on passive investing.

Let the debate begin….

XY Adviser Online Training Platform -

https://www.xyadviser.com

General Disclaimer -

https://www.xyadviser.com/disclaimer/

This podcast has been brought to you by Zurich Life & Investments (www.zurich.com.au), one of the last true independent life insurers in Australia. Zurich has always believed in the value of advice and the professionals who provide it.

They continue to invest in programs such as this one that are designed to strengthen the health and reputation of the advice profession. We are proud to partner with Zurich to help shape the future direction of advice and make it more accessible to more Australians.

There has been plenty of discussions as well as some confusion in the XY community around QROPS. What is it (really) and how do we help our UK expat clients in this space compliantly? So to go beyond just the nuts and bolts of it all, we went straight to the source and invited Adam Turk (@adamdturk) – UK Expat and CEO of Harbourside Capital (www.harboursidecapital.com.au/) into the studio to give us the lowdown.

Aside from getting the ‘everything you need to know about QROPS’ spiel, this episode also explores (and debates) Best Interest Duty, holistic advice against vertical integration, important changes coming for anyone using an MDA and Adam’s take on passive investing. 

Let the debate begin….

XY Adviser Online Training Platform  -

https://www.xyadviser.com

General Disclaimer -

https://www.xyadviser.com/disclaimer/

This podcast has been brought to you by Zurich Life & Investments (www.zurich.com.au), one of the last true independent life insurers in Australia. Zurich has always believed in the value of advice and the professionals who provide it.

They continue to invest in programs such as this one that are designed to strengthen the health and reputation of the advice profession. We are proud to partner with Zurich to help shape the future direction of advice and make it more accessible to more Australians.