Ensombl Advice Australia

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.

Chris Bates (LI: /christopherbates/) is one half of the brains behind new property podcast ‘The Elephant in the Room’ (www.theelephantintheroom.com.au/) which has already seen up to 300 downloads per day. It’s not your typical property podcast with Chris focusing on what buyers and sellers should and shouldn't do, whether or not we should trust real estate agents and how to play the 'auction' game. In this episode, Chris (Director and Adviser of Wealthful - www.wealthful.com.au/) sits down with Ben and Clayton to discuss how his podcast has become an education piece for his clients, the impact and importance of behavioural finance (did someone say cognitive minimalism?), how Chris is streamlining his business processes before looking to hire and why staffing is such a pain point for new(ish) self-employed advisers.   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. If you’ve popped into the XY Adviser Facebook Group recently, you’d know that education is one of the most talked about topics going around. Which is why we’ve created the XY Adviser platform giving advisers the tools and strategies they need to become a modern adviser. If you’re an industry expert with a solution that can affect significant change in the way an Adviser does their job, please put together an application at www.xyadviser.com or email contact@xyadviser.com for more information.

Hayley Pearse (@hayleycpearse) of Caboodle Financial Services (www.caboodlefs.com.au) is the ‘knowledge sponge’ and go-getter Associate Adviser turning what her clients often perceive as complex, into simple and easy to understand conversations. She’s a former CSO and Compliance Officer who knows more than a thing or two about building strong and authentic client and business relationships. In this banter-filled episode, Hayley highlights the benefits a solid support staff network can have in your business (shout out to Hilary at Caboodle), how Hayley breaks down the barriers that comes with being a young female adviser and how she is using email automation to nurture Caboodle’s large client database.   Support us on Patreon - https://www.patreon.com/xyadviser Join XY Adviser - 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. If you’ve popped into the XY Adviser Facebook Group recently, you’d know that education is one of the most talked about topics going around. Which is why we’ve created the XY Adviser platform giving advisers the tools and strategies they need to become a modern adviser. If you’re an industry expert with a solution that can affect significant change in the way an Adviser does their job, please put together an application at www.xyadviser.com or email contact@xyadviser.com for more information.

Michael Houlihan (LinkedIn: /michael-houlihan-2a24b818) is a guy who definitely doesn’t know how to sit still. He’s the CEO of Mainstream Superannuation Services  – a Superannuation Administration House, CEO of a small industry super fund, part owner of a Financial Planning firm and Director of a Research Firm, and that’s just his professional life.  He’s a wealth of knowledge in the finance space, which is why we sat down with Michael for a deep dive discussion into the history, the differences and the future of industry and retail funds, how to raise consumer engagement around super, why he believes the superannuation landscape will look vastly different in five years, passive vs. active investing and Michael’s process for choosing appropriate direct investments. This episode is certainly relevant to all advisers and highlights some thought-provoking ideas and opinions on a wide range of topics.   Support us on Patreon - https://www.patreon.com/xyadviser Join XY Adviser - 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. If you’ve popped into the XY Adviser Facebook Group recently, you’d know that education is one of the most talked about topics going around. Which is why we’ve created the XY Adviser platform giving advisers the tools and strategies they need to become a modern adviser. If you’re an industry expert with a solution that can affect significant change in the way an Adviser does their job, please put together an application at www.xyadviser.com or email contact@xyadviser.com for more information.

Since pivoting from financial advice into a more permanent mortgage broking role, Marcus Roberts (@mrmarcusroberts) of Brighter Finance (www.brighterfinance.com.au) is the co-creator and co-host of the new Sydney Property Insider podcast (www.sydneypropertyinsider.com.au). A B2C podcast created with the intentions of providing property purchasing advice without the hard sell (no off-the-plan spruiking here!). This episode is one part stand-up comedy and one part thought-provoking discussion with Marcus sharing the process, the costs and considerations of setting up a new B2C podcast in the finance space, why he chose a podcast over blogging and why he shifted from Advice to Mortgage Broking (and is killing it in the referral space). Support us on Patreon - https://www.patreon.com/xyadviser Join XY Adviser - 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. If you’ve popped into the XY Adviser Facebook Group recently, you’d know that education is one of the most talked about topics going around. Which is why we’ve created the XY Adviser platform giving advisers the tools and strategies they need to become a modern adviser. If you’re an industry expert with a solution that can affect significant change in the way an Adviser does their job, please put together an application at www.xyadviser.com or email contact@xyadviser.com for more information.

She’s been dubbed the ‘Walking Corporations Act’, and has been on the pulse of Financial Services regulation since the beginning of the AFSL. So, if you’re thinking about self-licensing or if the regulator ever comes knocking, Jaime Lumsden Kelly (@jaimelumsdenkel), Solicitor Director from The Fold Legal (www.thefoldlegal.com.au) is who you’ll want to call. In this episode, Clayton and Jaime discuss what self-licensing is, how it works and everything you need to consider if you’re thinking of going down the independent path. Jaime gives examples of how some Advisers have come unstuck, the risks associated with self-licensing and what she believes is the root cause of conflict between ASIC and Advisers (and how we might fix it). Support us on Patreon - https://www.patreon.com/xyadviser Join XY Adviser - 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. If you’ve popped into the XY Adviser Facebook Group recently, you’d know that education is one of the most talked about topics going around. Which is why we’ve created the XY Adviser platform giving advisers the tools and strategies they need to become a modern adviser. If you’re an industry expert with a solution that can affect significant change in the way an Adviser does their job, please put together an application at www.xyadviser.com or email contact@xyadviser.com for more information.

Like most entrepreneurial journeys, Drew Davison’s (LinkedIn: drew-davison-b0013aba/) began when he saw a huge pain point for agents in the digital marketing of real estate. This led to his light bulb moment on a beach in October 2013 where B4 Real Estate (www.b4.com.au) was born; a piece of tech now being dubbed the ‘Tinder of Real Estate’. This episode is a deep dive and step by step discussion into the long and arduous, but rewarding journey of bringing a real-time property app to market. Drew reflects on things he would do differently and how he used an out-of-the-box marketing strategy to make noise in a market dominated by two giant players. Support us on Patreon - https://www.patreon.com/xyadviser Join XY Adviser - 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. If you’ve popped into the XY Adviser Facebook Group recently, you’d know that education is one of the most talked about topics going around. Which is why we’ve created the XY Adviser platform giving advisers the tools and strategies they need to become a modern adviser. If you’re an industry expert with a solution that can affect significant change in the way an Adviser does their job, please put together an application at www.xyadviser.com or email contact@xyadviser.com for more information.

From the humble beginnings of a ten-person startup in 2010, to now being one of the Australia’s fastest growing companies with 700 + staff, ex-financial planner and devoted family man Chris Muddell (LinkedIn: chris-muddell-41132a14/) has been at the forefront of growth and sales at Employsure (www.employsure.com.au) – an innovative external HR solution for small businesses. Chris’ authentic approach to building relationships and helping SME’s create rock solid employment relations is phenomenal. This episode is full of great banter and plenty of insights as Chris educates the XY team on how to nurture employees to be self-starters, why setting expectations during the employee on boarding process is crucial and how to authentically integrate a sales mentality as an adviser.   Support us on Patreon - https://www.patreon.com/xyadviser Join XY Adviser - 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. --- If you’ve popped into the XY Adviser Facebook Group recently, you’d know that education is one of the most talked about topics going around. Which is why we’ve created the XY Adviser platform giving advisers the tools and strategies they need to become a modern adviser. If you’re an industry expert with a solution that can affect significant change in the way an Adviser does their job, please put together an application at www.xyadviser.com or email contact@xyadviser.com for more information.