This week we're back with a Q&A episode, tackling three big questions that have been landing in our inbox from our listeners.

• New and exciting Annuity products: With a wave of new products hitting the market, we unpack what advisers should watch out for, why a healthy dose of skepticism is essential, and the dangers of shiny innovation that later gets grandfathered or disappears.
• Tax-deductible advice fees: how to think about in-super vs out-of-pocket charging
• Insurance commissions. Do they really serve advisers, or just the insurers? We share our own experiments with nil-com, rebates, and referrals, and why Independent advisers are better (jokes, they aren't)
• Drown-Drought cycles for referrals and workload: We get a bit vulnerable on this, as we haven't figured it out yet.

It's a meaty one, blending the usual product skepticism, practice pragmatism, and a few rants about the system (as always).

Nathan:

[email protected]

www.nathanfradley.com.au

Jordan:

[email protected]

www.planningsolo.com.au

LinkedIn:

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The information contained in this podcast is general in nature and does not take into account your personal situation. You should consider whether the information is appropriate to your needs, and where appropriate, seek professional advice from a financial adviser.

Jordan and Nathan are both authorised representatives of PlanningSolo Licensing, AFS Licence 526143.