Ensombl Advice Australia

“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” – Dante De Gori At a time when impugning comments about this industry we all love are being flung around left right and centre, Dante De Gori (@ddegori10)of the FPA (Financial Planning Association - www.fpa.com.au) 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. 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. 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. 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 fpa@fpa.com.au. You can also check out some other recent episodes here - www.xyadviser.com/podcast ---------- This podcast is brought to you by HUB24 (www.HUB24.com.au), 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. 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. This podcast is also brought to you by Centuria (www.centuria.com.au), 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. 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.

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 (www.amp.com.au) ‘think tank’ dedicated to digital innovation and human centred design. 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.   JOIN THE XY ADVISER FACEBOOK GROUP   This podcast is brought to you by HUB24 (www.hub24.com.au), 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. 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. This podcast is also brought to you by Centuria (www.centuria.com.au), 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. 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.

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. Our guest is Daniel Murray (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. 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. Be sure to listen all the way through as Daniel shares an empathy experiment all advisers can try.   This podcast is brought to you by HUB24 (www.HUB24.com.au), 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. 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. This podcast is also brought to you by Centuria (www.centuria.com.au), 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. 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.

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! 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. Opinions, ideas, hacks and rants - this episode has it all. 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.

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 (www.capitalxx.com). 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. 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. A big thank you to our major partner HUB24 (www.hub24.com.au) and also to Centuria (www.centuria.com.au) for supporting the podcast that is driving the positive evolution of financial advice.

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. 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. 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 hello@stickmanwealth.com.au. A big thank you to our major sponsor HUB24 (www.hub24.com.au) and to Centuria (www.centuria.com.au) for the continued support.

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. 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 (www.bitcointrader.org.au/) 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. 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. A big thank you to our major partner Zurich (www.zurich.com.au) and Sunsuper (www.sunsuper.com.au) for the continued support.

Neil Rogan (www.linkedin.com/in/roganneil/) of Centuria (www.centuria.com.au/) is the guy turning investment bond jargon into terminology that advisers can easily understand and use with their clients. Thanks to the XY community for throwing up the investment bond discussion on several occasions; you asked and we listened. 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. 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. A big thank you to our major partner Zurich (www.zurich.com.au) and also Sunsuper (www.sunsuper.com.au) for the continued support.

For those eagerly awaiting a smooth and sultry solo podcast from Clayton Daniel, unfortunately (or fortunately?!), thanks to Ben Nash 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 XY Adviser 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. We especially loved the conversation around these topics: The astounding stats on XY’s group conversations (hint: it’s in the 4 digits) The compounding effects of fostering a community full of people dedicated to pushing our profession forward How to leverage the demand for direct consumer financial education The three types of clients and the biggest market gap The education debate and the impact this will have on advisers 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? A big thank you to our major partner Zurich and also to Sunsuper for the continued support.

Chris Bates of Wealthful 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’. Step inside his virtual LinkedIn 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). This podcast swings in all kinds of directions and touches on some really interesting stuff like: How to nail your LinkedIn presence Chris Bates style How to use social media to develop client relationships at scale Chris’ bold and unique approach to qualifying (or de-qualifying) potential clients Chris’ advice on how not to get blocked by LinkedIn… twice. Chris’ tips on the current property market and where it’s headed 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…   A big thank you to Zurich our major partner and also to Sunsuper for the continued support.