The difference between independent v aligned advisers

In this episode of The ifa Show, MLC general manager of distribution Geoff Rogers joins host James Mitchell to discuss the changes in the financial advice process.

podcast

podcastAugust 07, 2019By

Geoff discusses the opportunities MLC sees for financial advice in Australia, his thoughts on how financial advisers will integrate changes on the back of the royal commission and the understanding from clients around the difference between independent versus aligned advice.

He also reveals why advisory firms should be using technology to stay connected, tips for advisers feeling overwhelmed by the changes and the tools to use when planning.

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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 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.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>