News

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Please use the following step-by-step guide to share the ifa Client Experience Survey with your clients.

Write comment (0 Comments) " ["fulltext"]=> string(1388) "

Step 1:

Set up an email with your client list in the BCC field.

Feel free to use the below email text in your message to your clients.

Subject line: Client Experience Survey — your input required

Dear Sir/Madam,

I hope you are well.

I’m writing to you to ask for a few minutes of your time to complete a short survey about your experience as a valued client.

Our leading industry publication, ifa magazine, is conducting research to better inform the industry about the value of financial advice and the important role financial advisers play in the life of their clients.

The survey is anonymous and responses will only be viewed in aggregate. Further, none of your personal details will be used by any third parties whatsoever.

The results of the survey will be used in an important professional development event aimed at improving the customer experience in financial advice.

You can participate by following this link: [INSERT UNIQUE LINK]

If you have any questions, please do not hesitate to contact me directly.

Regards, 

Step 2:

Send to your clients via email

If you have any questions, please contact us at [email protected]

 

 

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Please use the following step-by-step guide to share the ifa Client Experience Survey with your clients.

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Financial advisers across Australia are bankrolling a united effort to challenge regulatory reforms and the institutions that are already implementing Hayne’s recommendations.

Write comment (11 Comments) " ["fulltext"]=> string(2539) "

The Advice Regulation Challenge (ARC) has been established by a number of industry leaders, including AIOFP executive director Peter Johnston, to form a united stand against what he describes as “the collective punishment of the advice community for broader problems in the financial services sector”.

The ARC is being funded by advisers and chaired by barrister Arwed Turon, with Melbourne Securities Corporation serving as trustee.

The ARC is currently in the process of raising $3 million in fighting funds and has hired lawyers Corrs Chambers Westgarth and constitutional barrister Peter Kulevski to represent it in the High Court, where advisers will argue that proposals to ban grandfathered revenue are unconstitutional.

The royal commission recommended banning grandfathered commissions, which are an important revenue stream for many advisers and were understood to be left alone for a time following a carve-out agreement in the FOFA reforms.

While the issue of grandfathered revenue is critical to the ARC campaign, Mr Johnston told ifa that the group’s strategy is about protecting the advice community.

“The advice community will be using its aggregated political and commercial power to challenge bad legislation and those institutions who have decided to not honour their current contractual obligation,” he said.

“They are working on the premise that a grandfathered revenue ban has already been legislated and the advisers will not take them on.”

The Melbourne-based adviser said the ARC has “a succinct message” for these institutions.

“If you do not honour your contractual obligations to advisers we will name and shame you across the advice community,” Mr Johnston warned.

“We will be calling on each and every manufacturer to declare their political position and answer a simple question: are you with or against the advice community?”

He explained that product providers that are in support of the advice community will be asked to sign a declaration of support and consider supporting the ARC fund.

“Those who support the advice community will be nominated on our website and can use the ARC Supporter logo on their marketing material,” Mr Johnston said.

Mr Johnston confirmed that the ARC has received support from both aligned and non-aligned advisers, a reflection that the entire financial advice community is “in the struggle together”.

More to come.

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Financial advisers across Australia are bankrolling a united effort to challenge regulatory reforms and the institutions that are already implementing Hayne’s recommendations.

Write comment (11 Comments) " ["jcfields"]=> array(1) { [1]=> object(stdClass)#5572 (32) { ["id"]=> string(1) "1" ["title"]=> string(17) "Automatic tagging" ["name"]=> string(17) "automatic-tagging" ["checked_out"]=> string(1) "0" ["checked_out_time"]=> string(19) "0000-00-00 00:00:00" ["note"]=> string(0) "" ["state"]=> string(1) "1" ["access"]=> string(1) "1" ["created_time"]=> string(19) "2018-09-05 01:40:34" ["created_user_id"]=> string(4) "1090" ["ordering"]=> string(1) "0" ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#5524 (3) { ["data":protected]=> object(stdClass)#5379 (1) { ["options"]=> object(stdClass)#5528 (2) { ["options0"]=> object(stdClass)#5529 (2) { ["name"]=> string(3) "Yes" ["value"]=> string(1) "1" } ["options1"]=> object(stdClass)#5525 (2) { ["name"]=> string(2) "No" ["value"]=> string(1) "0" } } } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#5526 (3) { ["data":protected]=> object(stdClass)#5532 (10) { ["hint"]=> string(0) "" ["class"]=> string(9) "btn-group" ["label_class"]=> string(0) "" ["show_on"]=> string(1) "2" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "0" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["type"]=> string(5) "radio" ["default_value"]=> string(1) "1" ["context"]=> string(19) "com_content.article" ["group_id"]=> string(1) "1" ["label"]=> string(17) "Automatic tagging" ["description"]=> string(0) "" ["required"]=> string(1) "0" ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(7) "Digital" ["group_title"]=> string(4) "Tags" ["group_access"]=> string(1) "1" ["group_state"]=> string(1) "1" ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(1) "1" } } ["link"]=> string(62) "/news/26702-advisers-to-name-and-shame-instos-over-commissions" ["image"]=> string(34) "images/News/naming-shaming-ifa.jpg" ["image_alt"]=> string(14) "Name and shame" } [2]=> object(stdClass)#5401 (59) { ["id"]=> string(5) "26700" ["title"]=> string(55) "NAB to pay another $478m in wealth-related remediation " ["alias"]=> string(43) "nab-to-fork-out-another-525m-in-remediation" ["introtext"]=> string(340) "

Wealth-related matters are responsible 91 per cent of the $525 million in additional after tax costs the bank will incur for its remediation program. 

Write comment (0 Comments) " ["fulltext"]=> string(2307) "

In a trading update this morning, NAB said the additional expense is expected to reduce 1H19 cash earnings by an estimated $325 million and earnings from discontinued operations by an estimated $200 million.

“We are putting things right where we have treated our customers poorly and making sure that they are compensated more quickly. Since June 2018, we have made approximately 360,000 payments to customers with a total value of approximately $145 million,” NAB chief executive Philip Chronican said.

“There are currently around 350 people dedicated to remediating customers and we will soon have around 500 across NAB as we bring greater focus and discipline to resolving issues and making sure they do not happen again.”

Of the 1H19 charges, about 91 per cent, or $478 million, are for wealth related matters, with the remainder for banking.

In combination with provisions raised in 2H18, which have not yet been utilised, this brings total provisions for customer-related remediation at 31 March 2019 to $1,102 million.

The key items giving rise to increased costs for customer-related remediation include:

• Consumer credit insurance sales through certain NAB channels. This relates to a previously disclosed remediation program that arose from an ASIC industry-wide review. Provisions have been increased as progression of the program has now allowed remediation estimates to be determined with a greater degree of reliability;
• Non-compliant advice provided to wealth customers that is being addressed as part of NAB’s ongoing wealth advice review;
• Adviser service fees charged by NAB Financial Planning (salaried advisers). Provisions have been increased to reflect a higher assumed refund rate of 23 per cent (or about 31 per cent including interest costs);
• Adviser service fees charged by NAB advice partnerships (self-employed advisers). Provisions have been increased to cover the expected costs to undertake the review and the approach to remediation, but at this stage exclude any allowance for customer refunds, which are still to be determined; and
• Banking related matters including provisions for incorrectly charged fees on certain fee exempt transactions.

 

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Wealth-related matters are responsible 91 per cent of the $525 million in additional after tax costs the bank will incur for its remediation program. 

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The non-aligned advice channel has offset lower Japanese sales and general disruption to the Australian advice market to post a decent growth result, according to Challenger.

Write comment (0 Comments) " ["fulltext"]=> string(1947) "

In a statement to the ASX, Challenger reported its third quarter results, with total assets under management (AUM) increasing by 4 per cent ($3 billion) to $81 billion, driven by the rebound in investment markets.

Annuity sales by the major advice hubs (the big four banks, AMP and IOOF) were $352 million in the third quarter and reduced by 24 per cent on the prior corresponding period.

However, these results were partially offset by strong growth in IFA sales of $255 million, increasing by 33 per cent on the prior corresponding period.

Challenger noted that Australian annuity sales continue to be impacted by disruption in the retail financial advice market following the Hayne royal commission, which has seen a reduction in new client acquisitions and increased adviser churn.

Challenger managing director and chief executive Richard Howes said that while lower Japanese sales and industry disruption continue to impact sales, it has made good progress implementing strategies to build further resilience through an expanded relationship with MS&AD in Japan and new domestic distribution relationships.

Further, he said he expected Challenger annuities to be launched on HUB24 and Netwealth before the end of the financial year.

“Annuity sales continue to be impacted by lower Japanese sales and general disruption in the Australian financial advice market,” Mr Howes said.

“However, while annuity sales via the major hubs were down, we are seeing resilience in other sectors of the advice industry with strong growth in sales by independent financial advisers (IFAs).

“Growth in IFA sales reflects the evolution of the advice industry over the past 12 months, and supports our strategy to expand our distribution reach through IFAs.”

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The non-aligned advice channel has offset lower Japanese sales and general disruption to the Australian advice market to post a decent growth result, according to Challenger.

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