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Hayne Royal Commission

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The Royal Commission into Misconduct in the Banking, Superannuation and Financial Services Industry was established on 14 December 2017, with an interim report from the Honourable Kenneth Hayne AC QC due no later than 30 September 2018, and a final report due by 1 February 2019.

I’m sure many of you are aware of the Royal Commission and many of its findings, which have been damning to say the least.  The four major banks are already on the front foot in ...

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When financial products masquerade as advice – where’s the value?

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For a financial planner, Scott Farmer can display startling apathy towards financial products.

Scott explained this recently when he and other Certainty Advisers were researching the April 2017 white paper What Price Valuable Advice? which highlights what sort of financial advice clients value.

“It’s pretty simple,” he says. “When it comes to the advice our clients value most in the work we do together, it has nothing to do with the financial products they have.

“This is at odds with what is offered ...

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