Our solutions are built on insight from deep expertise, foresight from applying it & hindsight from decades of experience.

Navigating the Era of De-Productisation

Like so many industries that went through an era of productisation to be able to mass manufacture items will scale and at low cost, the wealth management industry is also[…]

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The new era of digital empathy in wealth and investment management

Investing is often where the outer limits of left and right brain skills come together, left with quant-based activities, right with relationship management with investors or stakeholders. In the more[…]

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Do you have a wealth management business or practice ?

There have been considerable changes in the way wealth management businesses have been valued in recent years, largely as a function of regulatory changes, margin pressures and industry ‘supply chain’[…]

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Monitoring portfolios to your desired investment structures

We find all too often that firms have strong and well-founded views as to the way that they break up their universe of investments into their proprietary asset allocations, not[…]

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It is now an ideal time for non-technical innovation in wealth management

Changing times upon us without doubt, and it is really saddening to see the fruits of so much work and effort for many disappearing in front of our eyes. Some[…]

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What Could 2020 Bring for Wealth Management

2019 brought considerable change in wealth management in Australia. There was the Royal Commission findings earlier in the year, and from that there has been a wave of changing landscape impacting[…]

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Model Portfolios: The hidden challenges of a simple idea

Another article I wrote over 10 years ago about the use of model portfolios. Whilst the authoring and implementation of model portfolios have separated, the standards to monitor implementation effectiveness[…]

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It’s time to focus on the end game…

With so much industry, consumer and regulatory change on at the moment, many firms may benefit from taking a step back and looking at what is going on, and consider the end[…]

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Excel may be the best portfolio management software in the world today, however….

We see a lot of private wealth management firms that use excel as the basis for modelling and making decisions on client investment portfolios, and see some distinct commonality in[…]

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There are no products only services

I read somewhere recently: Products are rapidly evolving into services, these are more connected to customers ecosystems and provide holistic experiences that are meaningful beyond the product/touchpoint. Creating products that[…]

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How do you know whether Financial Simplicity is for you ?

We often get asked what the ideal client for Financial Simplicity looks like ? The answer is quite straightforward; our value proposition optimally services firms who: Service their clients with investment[…]

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The Multiple Benefits of Automated Portfolio Management

A lot of people ask us why Financial Simplicity’s entirely automated and personalised portfolio modelling process is something to sing about. Well the answer lies in the simultaneous benefits that[…]

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Everything between the customer and their money in a fee for service basis means you are being expected to put pressure downstream and you are being evaluated yourself on value add.

How does this impact wholesale service providers ? Increasingly it is becoming clear that the focus for every service provider between investors and their investments has to combine value for[…]

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Full circle, stockbroking being the future of the industry

Are we heading full circle back to broader stockbroking based servicing of private clients?

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What is the regulatory impact of increased consumer involvement ?

We are living in a world where the level of acceptability of servicing of consumers is increasingly being defined by the consumers themselves, which is suggesting more consumer involvement in[…]

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What does the future of wealth management have to do with pioneering of powered flight?

  The introduction of powered flight was a major innovation and was achieved through a significant change in the thinking of both what the problem was and the skill sets[…]

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Managed Accounts – What is all the fuss about ?

I came across this article that I wrote about in 2006 which may have been a tad ahead of the banking and financial services royal commission that is currently on[…]

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What is defining the new ‘right to serve’ in wealth management

Globally, the reputation of the wealth management industry is under some fire right now, and I cannot see it letting up. In Australia, we are having a Banking Royal Commission[…]

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What is the optimal mind machine balance in wealth management

We are starting to hear a lot about mind machine balance in this rapidly evolving world of AI (artificial intelligence), and the wealth management industry is not immune from such. In[…]

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Best interest considerations in platform choice for investors

Much debate in Australia at the moment around platform pricing, and with the royal commission going on, the whole subject of what platforms are in relation to the client’s best[…]

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Advisory and Discretionary Portfolio Propositions

One the most read articles on our blog is about the pros and cons of advisory and discretionary portfolio services, and the decision to go one way or the other[…]

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The role of AI and Robo in Advice

I am really enjoying the heating debate about whether Robo advice will replace human advisors or complement human advisors and in the last month a few thing have to come[…]

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RegTech : Helping Compliance Go From ‘Policeman’ to ‘Coach’

A really fascinating and insightful session at the ASIC RegTech round table earlier this week in Sydney, Australia. One key thing I took away from the session is that in[…]

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Trends in Wealth Management and Technologies in 2017

We grabbed Stuart Holdsworth to talk briefly about some of the big picture technology related trends in wealth management that he anticipates for 2017.

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The new era of regtech is here

Great developments going on in the Australian government and regulator in recognising the role of regtech in financial services moving forward, as the Treasurer announced recently (see article below). My[…]

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With increasing regulation requiring firms to define what client portfolios ‘should look like’, this is theme for 2017

A lot of people are asking me at the moment about what portfolio compliance is, and you may want to read my white paper here Well for professional money managers to[…]

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It’s all ABOUT trust, not IN trust!

Good article linked below about some of the the many facets of trust and what is changing in the trust equation between both advisers and investors. Our belief is that[…]

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Portfolio Management Technology Ripe for Disruption

With the industry under intense margin pressure, not only is it being increasingly recognised that technology companies must get more efficient in their delivery, but also they must think much[…]

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Path to Digital Transformation

Good article here about some key points that firms may want to note on the path to their essential digital futures… https://www.finextra.com/blogposting/13402/2017-and-beyond-how-asset-managers-are-preparing-for-the-digital-future What I see as being the most important[…]

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What ‘should’ your client portfolios be ?

With increasing penalties and fines being issued by regulators for advice firms not actually providing advice for the fees that they have charged their clients, there is increasing focus on[…]

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Accountants and Advisers – The new Investments Proposition

There are two trends that are becoming increasingly prominent across wealth management and investing, and neither is showing any sign of slow down. These are: Investment solutions are to be[…]

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Cost of Investment Ownership – The New Scrutiny

Globally we are seeing intense margin pressure on all aspects of the wealth management and investments industry. With many seeking margin relief from packed funds into transparent portfolios, one of[…]

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Portfolio Management : Advisory vs Discretionary, The Pros and Cons are Changing

In many of the wealth management groups that I visit around the world, we find that they have a portfolio proposition that is either advisory, discretionary, or perhaps have both.[…]

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Digital Termites and Wealth Management

In the late 1990s, I used to work for an innovative company called ‘Open Market’ which pioneered both ideas and technologies about the commercial use of the Internet, much of[…]

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The Wonders of Model Portfolios

So many firms are bringing in these things called ‘Model Portfolios’ and for some, they look like a new list of approved investments for clients, often in different proportions for[…]

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Tinder Understands its Users Better than Most Robo Advisors

I just read this article here at http://www.financial-planning.com/blogs/idea-exchange/tinder-understands-it-users-better-than-most-robo-advisors-2696001-1.html I guess really opens a can of worms in terms of people personalities (or multiple of), and what is really the best[…]

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The Digital Revolution and whats coming in 2016

That time of year again, where in this part of the world (Sydney), most people are heading back to work after a solid break. I find that each year after[…]

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EY Report – The $500 Trillion Consumer Centic Prize

Just read the recent report from EY about the $500 Trillion Consumer Centric Retirement Prize atwww.ey.com/pensionsreport2015. Great report with some really pertinent observations in there. Some I specifically noted (sorry[…]

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Managed Accounts and Practices vs Businesses

There are some increasingly clear lines being drawn in the rapidly growing world of managed accounts. One of them relates to whether wealth managers are practices or businesses. “What ?”[…]

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Robo what?

It feels like the industry is in a ‘Robo advice’ frenzy at the moment. Fears of disruption are ever present, threats to the status quo, low cost investment offers, etc.[…]

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New era of Retirement (and Investment) Solutions

We are just launching our new era of technology solution to support what we see as a new era of retirement and investment solutions….. What’s new ? Well, a few things[…]

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A blast from the past

I was just looking back on some of the articles I wrote nearly 10 years ago. Check this one from August 2006 out and compare with what happening in the[…]

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Is portfolio compliance a ‘state’ or a process ?

A lot of people are asking me at the moment about what portfolio compliance is, and you may want to read my white paper here Well for professional money managers[…]

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Financial System Enquiry in Australia – Another Catalyst for Financial Simplicity

With the Murray report out just before Christmas, it has now given me some time to digest it and some of the recommendations. Clearly there is notable mention of the[…]

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And the Future is about……

So, here is my call for the next decade…..The future of wealth management discussion (even policy) and  marketing will shift from people’s wealth to their financial ‘well being’. To some extent[…]

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Future Proofing Your Business From Regulatory Change

One of the fundamental pillars of financial markets working is consumer confidence in the integrity of systems and participants. Without this confidence, there is a lack of participants, it has[…]

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The arrival of the ‘social’ regulator

In Australia we are starting to see considerable debate in the public domain about the possible shortcomings of the recent regulatory frameworks, and also differing ideas of what ‘should’ be[…]

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Why an ASX trading platform may be best for delivering your firm’s SMSF proposition

There has been much recent debate regarding the future of the platform market as competing services and technologies are starting to emerge, that provide legitimate alternatives for practices that are[…]

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