Issue 13


In addition to the proliferation of fintech, Zurich Australia has identified five other seismic shifts within society that could transform the future of advice as we head towards 2020 and 2025.

Read this white paper to consider what the advice practice of tomorrow might look like.


There’s an argument that for financial planning to be considered a profession, clients need to pay for it directly. This counter-argument points out that there are many things we value for which don’t pay directly.


In this podcast, Michael Kitces explains why consistently producing quality content helps advisers to demonstrate their expertise, and become more referable.


Ben Carlson examines the consequences that the sequence of investment returns has on an investor’s net worth, and what can be done to mitigate the risks.


Dan Egan, Director of Behavioral Finance and Investing at Betterment, examines the two options we have in managing our (or our clients’) behavioral biases:

Changing ourselves as investors, or changing the portfolio we are invested in.


Echoing Michael Kitces’ advice in the podcast above, Dan Solin argues for giving away your expertise for free.


As of June 30, 2017, Vanguard’s Personal Advisor Services (PAS) had $83b in AUM. Here is a short interview with the head of that business.