All advisers should be considering robo, says practice head

EXCLUSIVE The head of a leading Sydney-based advice practice says anyone not implementing a robo-advice offering will be left behind as the industry continues to transform.

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newsDecember 16, 2019By

Birling Wealth Management principal adviser Mark Malone told the ifa Advice Practice of 2020 Roundtable, partnered by Iress, that robo-advice models meet both client expectations and adhere to the FASEA code of ethics.

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background-color: #000000"> <span>17.4%</span> </div> </div> <div class="b-poll__results__options"> <div class="b-poll__results__options__text">Yes, but just a few</div> </div> <div class="b-poll__results__pic"> <div class="b-poll__results__pic__bar" style="width: 44.3%; background-color: #000000"> <span>44.3%</span> </div> </div> <div class="b-poll__results__options"> <div class="b-poll__results__options__text">Not sure yet</div> </div> <div class="b-poll__results__pic"> <div class="b-poll__results__pic__bar" style="width: 3.4%; background-color: #000000"> <span>3.4%</span> </div> </div> <div class="b-poll__results__options"> <div class="b-poll__results__options__text">No, but some are close</div> </div> <div class="b-poll__results__pic"> <div class="b-poll__results__pic__bar" style="width: 9.8%; background-color: #000000"> <span>9.8%</span> </div> </div> <div class="b-poll__results__options"> <div class="b-poll__results__options__text">None</div> </div> <div class="b-poll__results__pic"> <div class="b-poll__results__pic__bar" style="width: 25.2%; background-color: #000000"> <span>25.2%</span> </div> </div>  </div> <div class="b-poll poll-link"><a href="/polls/client-div-296-impact" class="cta-view-all">See details <img src="https://www.ifa.com.au/media/templates/site/momentum/images/view-all-thick_w17bmn.svg" alt="view all thick" class="view-all-thick" width="10" height="10"></a></div> </div> <script> jQuery(document).ready(function() { jQuery('#voteBtn').on('click',function(){ //get checked radio button let checkedOpt = jQuery('input[name="poll-option"]:checked').val(); let request = { 'option' : 'com_ajax', 'plugin' : 'poll', 'pollId' : '4', 'optId' : checkedOpt, 'format' : 'json' }; jQuery.ajax({method: "POST",url: "/index.php",data: request}).done(function(data){ let result = data.data[0]; result = JSON.parse(result); if(result.state) { //replace poll with result let resultData = result.data; let pollclass = 'b-poll__results'; let poll = jQuery('.'+pollclass); poll.empty(); let count = 0; let resultString = ''; let votesTotal = 0; $.each(resultData.votes,function(){votesTotal+=parseFloat(this) || 0;}); // resultString += '<p class="b-poll_desc"></p>' for(let i = 0; i < resultData.title.length; i++) { let percent = ((resultData.votes[i]/votesTotal)*100).toFixed(2); resultString += '<div class="'+pollclass+'__options">'; resultString += '<div class="'+pollclass+'__options__text">'+resultData.title[count]+'</div>'; resultString += '</div>'; // resultString += '<div class="'+pollclass+'__results__percentage" role="progressbar" style="width: '+percent+'%; background-color:'+resultData.color[count]+'" aria-valuenow="'+resultData.votes[count]+'" aria-valuemin="0" aria-valuemax="100">'+percent+'%</div>'; resultString += '<div class="'+pollclass+'__pic">'; resultString += '<div class="'+pollclass+'__pic__bar" style="width: '+percent+'%; background-color:'+resultData.color[count]+'" aria-valuenow="'+resultData.votes[count]+'" aria-valuemin="0" aria-valuemax="100"><span>'+percent+'%</span></div>'; resultString += '</div>'; 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float: left } .mob-footer .cl-all-FFF { color: #fff; text-transform: uppercase; font-weight: 700; font-size: 14px !important; } .footer-items.toggle-items { display: none; margin-bottom: 15px; list-style: none } .footer-items li a { color: #fff; font-size: 15px; text-decoration: none } .footer-items li { padding-bottom: 5px } .mobile-arrow { display: block !important; position: absolute; right: 15px; color: #fff; } .footerSignup { background-color: transparent !important; color: #fff; border: 1px solid #fff; border-radius: 25px; width: 200px; padding: 15px; margin-bottom: 15px } .footsign { padding-bottom: 50px } .mob-footer-social { text-align: center; border-bottom: 1px solid #fff; padding-bottom: 20px } .mob-footer-social .b-header-social2 { list-style: none; padding-left: 0; margin-top: 0 } .mob-footer-logo { padding-top: 25px; padding-bottom: 25px } .mob-footer-social .b-header-social2 li { display: inline-block; margin-right: 15px } .mob-footer-social .b-header-social2 a { color: #fff } .mob-footer-social .b-header-social2 i { color: #fff; font-size: 20px } @media only screen and (max-width:1000px) { .footsign, .mob-footer { display: block } .footer-cointaner { display: none } } /* new styles */ /* desktop */ .footer-cointaner { padding-bottom: 0; background-color: #000000; } .footer-cointaner .subfooter-container .row1 { padding: 20px 15px; display: flex; align-items: center; } .footer-cointaner .subfooter-container .row1 .subrow1-1 { float: unset; } .footer-cointaner .subfooter-container .row1 .subrow1-2 { float: unset; display: flex; justify-content: flex-end; align-items: center; } .footer-cointaner .subfooter-container .row1 .subrow1-2 a { font-size: 14px; color: #d1d1d1; } .footer-cointaner .subfooter-container .row1 .subrow1-2 ul { display: flex; align-items: center; } .footer-cointaner .subfooter-container .row1 .subrow1-2 ul li { margin-right: 25px; color: #d1d1d1; } .footer-cointaner .subfooter-container .row3-container { border-top: solid 1px #959595; border-bottom: solid 1px #959595; } .footer-cointaner .subfooter-container .row3 { display: flex; padding: 30px 15px 0 15px !important; } .footer-cointaner .subfooter-container .row3 h3 { margin: 0 0 10px; font-size: 14px; font-weight: bold; } .footer-cointaner .subfooter-container .row3 ul li a { color: #d1d1d1; font-size: 14px; } .footer-cointaner .subfooter-container .subrow3-1 { float: unset; } .footer-cointaner .subfooter-container .subrow3-2 { float: unset; } .footer-cointaner .subfooter-container .subrow3-3 { float: unset; } .footer-cointaner .subfooter-container .subrow3-4 { float: unset; } .footer-cointaner .subfooter-container .row3 .subrow3-4 p { font-size: 14px; color: #d1d1d1; } .footer-cointaner .subfooter-container .row3 .subrow3-4 .social { margin-bottom: 40px; } .footer-cointaner .subfooter-container .row3 .subrow3-4 .social li { margin-right: 25px; } .footer-cointaner .subfooter-container .row3 .subrow3-4 .social li:nth-child(n+3) { margin-right: 20px; } .footer-cointaner .subfooter-container .row3 .subrow3-4 .button button a { font-size: 14px; font-weight: bold; } .footer-cointaner .subfooter-container .row4 { max-width: 1200px; margin: 0 auto; zoom: 1; padding: 25px 15px; display: flex; align-items: center; } .footer-cointaner .subfooter-container .row4 p { font-size: 12px; margin: 0; color: #d1d1d1; } /* mobile */ .mob-footer { margin-bottom: unset; padding: unset; background-color: #000000; } .mob-footer-logo { float: unset; padding-top: 15px; padding-bottom: 15px; border-bottom: 1px solid #959595; } .mob-footer-social { float: unset; padding-top: 15px; padding-bottom: 15px; border: 0; } .mob-footer .toggle-cat { float: unset; padding: 15px; border-bottom: 1px solid #959595; } .mob-footer .toggle-cat h2 { font-size: 14px; margin-top: 0; font-weight: bold; } .mob-footer .toggle-cat .mobile-arrow { margin: 0; } .mob-footer .toggle-cat .footer-items li { padding-bottom: 10px; } .mob-footer .toggle-cat .footer-items li a { font-size: 14px; color: #d1d1d1; } .mob-footer .footsign { padding: 15px 15px 0; } .mob-footer .footsign h2 { margin: 0 0 15px; } .mob-footer .footsign .footerSignup { margin-bottom: unset; width: 295px; height: 38px; background-color: #de3336 !important; color: #fff; font-size: 14px; font-weight: bold; border-radius: unset; border: unset; padding: 0; } .mob-footer-social .b-header-social2 { margin-bottom: 0; } .mob-footer-social .b-header-social2 li { margin-right: 25px; } .mob-footer .mob-footer-copyright { background-color: #152A45; padding-bottom : 40px; margin-top : 10px; } .mob-footer .mob-footer-copyright p { text-align: center; font-size: 12px; color: #d1d1d1; margin: 0; } .footer-cointaner form#mc-embedded-subscribe-form .w-all-60p { width: 60%; } .footer-cointaner form#mc-embedded-subscribe-form .w-all-40p { width: 40%; } .footer-cointaner form#mc-embedded-subscribe-form .fw-bold { font-weight: bold !important; } .footer-cointaner form#mc-embedded-subscribe-form .f-all-left { float: left; } .footer-cointaner form#mc-embedded-subscribe-form .resetIpt { display: block; } .footer-cointaner form#mc-embedded-subscribe-form .fs-all-14px { font-size: 14px; } .footer-cointaner form#mc-embedded-subscribe-form .resetBtn, .footer-cointaner form#mc-embedded-subscribe-form .resetIpt, .footer-cointaner form#mc-embedded-subscribe-form .resetLink { line-height: 100%; margin: 0; padding: 0; font-weight: 400; } .footer-cointaner form#mc-embedded-subscribe-form .resetBtn, .footer-cointaner form#mc-embedded-subscribe-form .resetIpt { border: 0; float: none; background: 0 0; cursor: pointer; outline: 0; } .footer-cointaner form#mc-embedded-subscribe-form .p-all-015px { padding: 0 15px; } .footer-cointaner form#mc-embedded-subscribe-form .lh-all-50px { line-height: 50px; } .footer-cointaner form#mc-embedded-subscribe-form .w-all-100p { width: 100%; } .footer-cointaner form#mc-embedded-subscribe-form .bc-all-FFF { background-color: #FFF; } .footer-cointaner form#mc-embedded-subscribe-form .email-button { background-color: #E34A4C; } .footer-cointaner form#mc-embedded-subscribe-form .cl-all-FFF { color: #FFF; } .subfooter-container div:nth-child(2) .row1 div { text-align: center; } @media (max-width:767px) { .mob-footer .row1 img{ max-width:206px; } } </style> <script type="text/javascript"> jQuery(document).ready(function() { // Dropdown toggle fuction jQuery('.toggle-cat').click(function() { jQuery(this).find('ul').slideToggle("fast"); jQuery(this).find('.mobile-arrow i').toggleClass("fa-chevron-up"); }); }); </script> </div>   <script> function ValidateEmail(inputText) { var mailformat = /^\w+([\.-]?\w+)*@\w+([\.-]?\w+)*(\.\w{2,3})+$/; if(inputText.match(mailformat)) { return true; } else { return false; } } async function sha256(message) { // encode as UTF-8 const msgBuffer = new TextEncoder('utf-8').encode(message); // hash the message const hashBuffer = await crypto.subtle.digest('SHA-256', msgBuffer); // convert ArrayBuffer to Array const hashArray = Array.from(new Uint8Array(hashBuffer)); // convert bytes to hex string const hashHex = hashArray.map(b => ('00' + b.toString(16)).slice(-2)).join(''); return hashHex; } jQuery('#mc-embedded-subscribe-form').submit(function(){ var email = jQuery(this).find('input[type=email]')[0].value; if(ValidateEmail(email)) { // sha256(email).then(function(hash){document.cookie = "mcEmail="+hash;}); sha256(email).then(function(hash){document.cookie = "mcEmail="+hash; jQuery("#mce-MMERGEEM").val(hash); jQuery('#mc-embedded-subscribe-form').unbind(); jQuery('#mc-embedded-subscribe-form').submit(); }); } return true; }); jQuery('.fabrikForm').click(function() { var formID = this.id; formID = formID.replace ( /[^\d.]/g, '' ); jQuery(this).find('input').each(function(){ var element = jQuery(this); var label = jQuery("label[for='"+element.attr('id')+"']").text(); // console.log(label); var placeholder = element.attr('placeholder'); if(placeholder != undefined){ if ((placeholder.indexOf('Email') > -1) || (placeholder.indexOf('email') > -1) || (label.indexOf('email') > -1) || (label.indexOf('Email') > -1) ) { var email = element.val(); if(ValidateEmail(email)){ sha256(email).then(function(hash){document.cookie = "fbEmail="+hash;}); sha256(email).then(function(hash){document.cookie = "utm_emailID="+hash+";path=/";}); // console.log(email); } } } }); }); </script>  <style> /* The container */ .fabrikForm .container { display: block; position: relative; padding-left: 35px; margin-bottom: 12px; cursor: pointer; font-size: 16px; -webkit-user-select: none; -moz-user-select: none; -ms-user-select: none; user-select: none; text-align: left; } /* Hide the browser's default checkbox */ .fabrikForm .container input { position: absolute; opacity: 0; cursor: pointer; height: 0; width: 0; } /* Create a custom checkbox */ .fabrikForm .checkmark { position: absolute; top: 0; left: 0; height: 25px; width: 25px; background-color: #eee; } /* On mouse-over, add a grey background color */ .fabrikForm .container:hover input ~ .checkmark { background-color: #ccc; } /* When the checkbox is checked, add a blue background */ .fabrikForm .container input:checked ~ .checkmark { background-color: #2196F3; } /* Create the checkmark/indicator (hidden when not checked) */ .fabrikForm .checkmark:after { content: ""; position: absolute; display: none; } /* Show the checkmark when checked */ .fabrikForm .container input:checked ~ .checkmark:after { display: block; } /* Style the checkmark/indicator */ .fabrikForm .container .checkmark:after { left: 9px; top: 5px; width: 7px; height: 13px; border: solid white; border-width: 0 3px 3px 0; -webkit-transform: rotate(45deg); -ms-transform: rotate(45deg); transform: rotate(45deg); } </style> <script type="text/javascript"> jQuery(document).ready(()=>{ jQuery("form.fabrikForm label.checkbox").addClass("container"); jQuery("form.fabrikForm label.checkbox span").addClass("checkmark"); jQuery("form.fabrikForm label.checkbox").prepend(jQuery("form.fabrikForm label.checkbox span").text()); jQuery("form.fabrikForm label.checkbox span").text(""); }); jQuery(document).ready(()=>{ var observerAjx=function(id, data){ let observer = new IntersectionObserver(function(entries) { if (entries[0].intersectionRatio > 0) { let request = { 'option': 'com_ajax', 'plugin': 'ajaxmodule', 'module_name': `${data.modname}`, 'module_type': `${data.modtype}`, 'format': 'json' }; jQuery.ajax({ type: "GET", url: "/?" + jQuery.param(request), success: function(response) { jQuery('#'+id).html(response).removeClass(data.rcal) .removeAttr('style') .find('div:first').removeClass(data.rcor);; } }); observer.unobserve(entries[0].target); } }, { threshold: [0] }); observer.observe( document.getElementById(id) ); } jQuery('.ajaxv2-element').each(function() { let data = jQuery(this).data(); observerAjx(jQuery(this).attr('id') ,data); }); }); </script> <script> function zonesIsMobile() { if(/Android|webOS|iPhone|iPad|iPod|BlackBerry|IEMobile|Opera Mini/i.test(navigator.userAgent)) { return true } return false; } if (zonesIsMobile()) { const gutters = document.getElementById("b-gutterzone-zoneunit"); gutters.remove(); const popup = document.getElementById("mmk-popup-screen"); popup.remove(); // const leaderboard = document.getElementById("b-topLeaderboard-zoneunit"); // leaderboard.remove(); } else { const interscroller = document.getElementById("interscroller-zoneunit"); if (interscroller != null) { interscroller.remove(); } const tabletSkinBlock = document.getElementById("tabletSkinBlock-zoneunit"); if (tabletSkinBlock != null) { tabletSkinBlock.remove(); } } if (zonesIsMobile()){ jQuery('.mob-lazy').attr('loading', 'lazy'); } </script> </body> </html>