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

Investment value proposition owner – a must for successful advice firms

In the new ‘fee for service’ world, the investment value proposition of an advice business has changed from one centred around the promotion or selection of products to how they[…]

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InFocus: Cracking down on finfluencers

In a much-needed information sheet this month, the Australian Securities and Investments Commission finally issued guidance for ‘finfluencers’ and for licensees who worked with them. The industry had previously called[…]

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Using portfolio compliance as a tool to demonstrate the value of advice to your clients

As we lament the challenges of dealing with both the increased regulatory burden of delivering advice and demonstrating the value of advice in a ‘fee for service’ world, is there[…]

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What is Value in the Eyes of the Consumer with Jonathan Coles

According to brand specialist Jonathan Coles, to be successful in a premium market, your brand must offer premium value and premium customer service.  In the second episode of Financial Simplicity’s[…]

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A discussion with Peter Turback about how Financial Simplicity really helps out those responsible for compliance on portfolios

    Stuart: Welcome all. Today I’m delighted to be joined by Peter Tarbuck from MDA guru Peter and I have known each other in the investment industry for some[…]

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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. Well for professional money managers to date, simply put portfolio compliance is making sure a[…]

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Why the future of wealth management is mass tailored portfolio management

Stuart Holdsworth, CEO & Founder, Financial Simplicity  Introduction In today’s ‘it’s all about me’ world, if you want your business to thrive, then the customer must be at the heart[…]

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16 years later – IMAs and the Merging of Advice and Asset Management

Back in 2006, I felt I could see some changes emerging in wealth and asset management that at the time were in the early stages of playing out. 16 years[…]

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Govt should educate consumers on finfluencer risks

Speaking to Money Management, the chief executive of Financial Simplicity, Stuart Holdsworth, said the guidance was welcome but also the consumer should be educated on how much weight they should[…]

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From Product Distribution to Customer Success with Rich Arnold

    Proper innovation in the delivery of financial planning and wealth management centres around a customer success model, according to wealth management specialist Richard Arnold. In the first episode[…]

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How Investing is Evolving and the Digital Solution to Deliver Personalized Portfolios to Clients at Scale

In December, Stuart Holdsworth was invited to speak at the IMAP Virtual InvestTech conference which was held over the week 6th – 10th of December. As outlined by Peter, what[…]

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Still using spreadsheets for portfolio management? Read this

Hands up all those who use spreadsheets to review asset allocations and portfolio composition. I’m sure I don’t need to tell you how cumbersome and time-consuming of a process that[…]

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How to choose the right technology for your advice business

Stuart Holdsworth promotes some thinking in this article about considerations of tehnology arhitectures and selection considerations for financial advice firms. https://www.ifa.com.au/opinion/30669-how-to-choose-the-right-technology-for-your-advice-business

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It’s very much time to look at the relationship of humans and technology differently

Here is a link to an article furthering the theme that Stuart Holdsworth talks about in relation to technology complementing human services, as opposed to being a threat. https://www.ifa.com.au/news/30676-global-evidence-shows-technology-supports-advisers-not-replacing-them

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Round pegs, round holes or something better? A regulatory proposal for advice

Our CEO Stuart Holdsworth with some considered thoughts on how to lower the cost of advice and improve client servicing at the same time…’ Click here to read more about[…]

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New Automated Portfolio Commentary Feature

We are pleased today to release our new ‘automated commentary feature’ that is all about helping advisers significantly reduce the time, effort, and repetition associated with doing portfolio reviews for[…]

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Who Are You Rebalancing Portfolios For ?

If you’re managing portfolios today or using even external portfolio providers, take a minute to think about; WHO ARE THEY REBALANCING PORTFOLIOS FOR? And what is the implication to clients?[…]

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Still using spreadsheets for portfolio management? Read this

An article in IFA Magazine from our CEO Stuart Holdsworth on the challenges of using spreadsheets for portfolio management. https://www.ifa.com.au/opinion/30162-still-using-spreadsheets-for-portfolio-management-read-this

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Advisers have ‘box seat’ to add value

A  Money Management  article reporting on creating additional value for clients and lowering advice costs for financial advisers through managing their clients’ investments mentions Financial Simplicity’s chief executive Stuart Holdsworth.[…]

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The Future Direction of Private Wealth is Here. What is Holding You Back?

There’s growing acceptance that the future of the private wealth industry will involve servicing each and every client on a more personalised basis, adjusting investment portfolios not only to the[…]

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Tech Usage Crucial As Clients Seek Bespoke Experience

Personalised portfolio management empowered by technology is key to the future value proposition to consumers. Great to see there is growing recognition of its potential to support advisers. https://www.moneymanagement.com.au/news/financial-planning/tech-usage-crucial-clients-seek-bespoke-experience?utm_source=newsletter&utm_medium=email

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What is the most important thing to consider when selecting portfolio management systems ?

We live in unprecedented times, and managing people’s monies is not immune from the evolving changes in the world today. With product commissions banned in much of the western world,[…]

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So What Language Are We Talking

A common frustration that we hear in the private wealth management segment of the industry is about how investments are classified by third-party providers, perhaps investment platforms or software providers.[…]

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Key Factors To Success

  I was delighted to see a report from Praemium / Business Health outlining the 7 key metrics for wealth practice success, them being: Revenue per Client Clients Per Adviser Salaries as[…]

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Why The Growth In Portfolios of Listed Investments is Accelerating

I get asked a lot by fund managers whether they ‘should’ be having listed versions of their funds, and often offer the same commentary in response, that of – it[…]

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Client Portfolios & Spinning Plates

While talking with a wealth management firm this week about their investment proposition to their clients, they made the analogy that managing many client specific investment portfolios is like spinning[…]

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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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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 that[…]

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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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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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