Challenge the Standard in Financial Advice

How much work can you reasonably get done? How many SOAs per week, per quarter, per 40 week year is youre realistic capacity? Or is that approach old fashioned, and missing so much of the nuance in your capacity to meet your goals, in the short term but in the long term? Given it's the end of financial year, Jordan and Nathan reflect on The difference between motivation and consistency The factors that influence your capacity How time, output, culture, systems and processes influence capacity How knowing yourself and your team, and setting boundaries is just as important as the numbers How a burrito in the sun is the key to happiness As usual this episode sets out to deliver a structured approach to capacity planning, but quickly meanders to philosophy and nonsense. CPD For this Episode: https://quiz.ensombl.com/NATH-26061812-31310001 Thanks again to the team at CPD Check for letting us publish our episodes using their AI-CPD certifying engine. Check out Clayton's episode on the pod for more info. Nathan: advice@nathanfradley.com.au www.nathanfradley.com.au Jordan: jordan@planningsolo.com.au www.planningsolo.com.au LinkedIn: Challenge the Standard in Financial Advice (Podcast): Overview | LinkedIn The information contained in this podcast is general in nature and does not take into account your personal situation. You should consider whether the information is appropriate to your needs, and where appropriate, seek professional advice from a financial adviser. Jordan and Nathan are both authorised representatives of PlanningSolo Licensing, AFS Licence 526143.

We've talked about Aged Care before, but things have changed. Lots of things! There are new rules about how fees are calculated, applied and, most importantly for any government agency, renamed. (Who knew 'hotelling' was a word...look it up though) Nathan's been doing some even more interesting work in this valuable, important space - and written many a CPD piece on it. And even Jordan's getting involved in it now, gingerly stepping on the learning curve and realising it's not quite as steep as he feared. Which is why we're revisiting the topic in this week's episode. Throughout, we're trying to answer the underlying question: if your clients need Aged Care advice (and they will), how will you help them? CPD Quiz thanks to CPD Check: https://quiz.ensombl.com/NATH-26060602-54110001 Nathan: advice@nathanfradley.com.au www.nathanfradley.com.au Jordan: jordan@planningsolo.com.au www.planningsolo.com.au LinkedIn: Challenge the Standard in Financial Advice (Podcast): Overview | LinkedIn The information contained in this podcast is general in nature and does not take into account your personal situation. You should consider whether the information is appropriate to your needs, and where appropriate, seek professional advice from a financial adviser. Jordan and Nathan are both authorised representatives of PlanningSolo Licensing, AFS Licence 526143.

Say it with us...paraplanning. Paraplanning. Paraplanning. Para - planning. What is it, why is it important, who's doing it and how are they doing it? This week's episode - likely the first of a series we'll return to - is all about the noble art of paraplanning. Because Jordan and Nathan know that hitting the kind of collaborative alignment that can occur between a financial adviser and paraplanner is one of the joys of the profession. But they also know that finding that synchronicity takes work and more than a dollop of luck. They also end up quite enjoying whispering the word... Paraplanning... You can now get CPD points for listening to two knuckleheads (and guests!) wax lyrical about financial advice for an hour at a time. CPD For this Episode: https://quiz.ensombl.com/NATH-26052109-04290001 Thanks again to the team at CPD Check for letting us publish our episodes using their AI-CPD certifying engine. Check out Clayton's episode on the pod for more info. Nathan: advice@nathanfradley.com.au www.nathanfradley.com.au Jordan: jordan@planningsolo.com.au www.planningsolo.com.au LinkedIn: Challenge the Standard in Financial Advice (Podcast): Overview | LinkedIn The information contained in this podcast is general in nature and does not take into account your personal situation. You should consider whether the information is appropriate to your needs, and where appropriate, seek professional advice from a financial adviser. Jordan and Nathan are both authorised representatives of PlanningSolo Licensing, AFS Licence 526143.

We're proud of all our episodes, but the level of useful gold in this one is incredible. Joined by regular guest, Martin McGrath, who seems to enjoy ganging up on Jordan as he attempts to corral the conversation into some sort of structure, they explore the world of tax planning for financial advisers. What is it Why do it Is it really our job How to do it How to do it (badly) And so much in between Share this episode with every other financial adviser you know, because there are at least three tips in here that Jordan and Nathan have shamelessly stolen for their own practices - if everybody else can do the same, what a massive impact. You can now get CPD points for listening to two knuckleheads (and guests!) wax lyrical about financial advice for an hour at a time. CPD For this Episode: https://quiz.ensombl.com/NATH-26050705-36180001 Thanks again to the team at CPD Check for letting us publish our episodes using their AI-CPD certifying engine. Check out Clayton's episode on the pod for more info. Martin: Find out more about Martin LinkedIn Nathan: advice@nathanfradley.com.au www.nathanfradley.com.au Jordan: jordan@planningsolo.com.au www.planningsolo.com.au LinkedIn: Challenge the Standard in Financial Advice (Podcast): Overview | LinkedIn The information contained in this podcast is general in nature and does not take into account your personal situation. You should consider whether the information is appropriate to your needs, and where appropriate, seek professional advice from a financial adviser. Jordan and Nathan are both authorised representatives of PlanningSolo Licensing, AFS Licence 526143.

Following a run of outstanding and informative guests, this week we return to our normal programming - Jordan and Nathan mouthing off about a stack of different things - but this time prompted by listener questions! In this week's episode, they cover: The best U2 Album The conflicts that can arise when advising people who's romantic life is over, but have chosen to continue their shared life. Advice Fees from Super How advisers can navigate limits imposed by other, non-qualified, professionals in a clients life Civil mascotts And why is it that we don't really talk about investment bonds It's a fun discussion, zooming in on matters that are relevant to advisers out there. That, and a revealing discussion about sippy cups and why Jordan finds them so discomforting in a conversational setting. Enjoy! CPD Quiz thanks to CPD Check: https://quiz.ensombl.com/NATH-26060603-11560001 Nathan: advice@nathanfradley.com.au www.nathanfradley.com.au Jordan: jordan@planningsolo.com.au www.planningsolo.com.au LinkedIn: Challenge the Standard in Financial Advice (Podcast): Overview | LinkedIn The information contained in this podcast is general in nature and does not take into account your personal situation. You should consider whether the information is appropriate to your needs, and where appropriate, seek professional advice from a financial adviser. Jordan and Nathan are both authorised representatives of PlanningSolo Licensing, AFS Licence 526143.

Our recent episode on collaborating with other advisers - 'Playing Well With Others' - is one we're really proud of. And in that episode, Nathan and Jordan both mention the eye-opening experience of working with one specific financial adviser in a deeply specialist area. Well, this week, that adviser - Kathy Havers of Viridian Advisory - is good enough to come on and introduce us and our listeners to some of the many complexities that arise when helping people with additional needs. From Special Disability Trusts, to Centrelink, to the importance of (good) accountants and lawyers in the process, to the intricacies of guardianship, estate planning and Powers of Attorney - this episode is deep, technical, educational and, surely, useful as hell for all financial advisers out there. Kathy Kathy Havers - Viridian Advisory Kathy Havers | LinkedIn Nathan: advice@nathanfradley.com.au www.nathanfradley.com.au Jordan: jordan@planningsolo.com.au www.planningsolo.com.au LinkedIn: Challenge the Standard in Financial Advice (Podcast): Overview | LinkedIn The information contained in this podcast is general in nature and does not take into account your personal situation. You should consider whether the information is appropriate to your needs, and where appropriate, seek professional advice from a financial adviser. Jordan and Nathan are both authorised representatives of PlanningSolo Licensing, AFS Licence 526143. You can now get CPD points for listening to two knuckleheads (and guests!) wax lyrical about financial advice for an hour at a time. CPD For this Episode: https://quiz.ensombl.com/NATH-26040808-13560001 Thanks again to the team at CPD Check for letting us publish our episodes using their AI-CPD certifying engine. Check out Clayton's episode on the pod for more info.

Financial advisers - you've spent your entire working relationship with your clients helping them build their wealth. How prepared are you to help them make sure it passes to the next generation/s, without triggering the next War of the Roses? In this week's episode, Jordan and Nathan explore one of the alternatives to the 'traditional' view of estate planning and disputes; 'interdisciplinary collaborations'. This method, familiar to regular listeners from Jordan discussing it on the divorce side, is a powerful way to help family's properly plan how their estate will play out, minimising acrimony, family ructions and estate annihilation (Zinta's word that we're shamelessly stealing). It's a broadranging, expansive discussion about this topic and we sincerely hope it helps our listeners think of introducing clients to this option - because after helping them grow their wealth, wouldn't it be great if we could help their family keep it? Resources Free Lunch & Learn Webinar - 29th April 2026 Family Inheritance Solutions - website Collaborative Practice Training Zinta's Bookk Zinta LinkedIn Nathan: advice@nathanfradley.com.au www.nathanfradley.com.au Jordan: jordan@planningsolo.com.au www.planningsolo.com.au LinkedIn: Challenge the Standard in Financial Advice (Podcast): Overview | LinkedIn The information contained in this podcast is general in nature and does not take into account your personal situation. You should consider whether the information is appropriate to your needs, and where appropriate, seek professional advice from a financial adviser. Jordan and Nathan are both authorised representatives of PlanningSolo Licensing, AFS Licence 526143.

Financial advice is a fairly solitary pursuit - the burden sits heavy on our individual shoulders. But, does it necessarily need to be so? In this week's episode, Nathan and Jordan explore how advisers can, and are, work collaboratively to help meet our clients best interests. From sharing ideas, discussing cases and referring to specialists within the profession, the opportunity to find the best advice for your client, has never been greater. But how do we do it? Especially now that we are seeing so much specialisation within advice - what's the 'best' way to bring in other advisers to help your client? How do you put your own concerns, worries and, yes, even ego to the side in the interests of your client. And what of the mechanics of actually doing it? It's a fun episode and we can't wait to hear from listeners about how they're fostering collaboration in the world of advice. Tim Moores Blog: https://moorefinancialadvice.com.au/why-a-well-connected-financial-adviser-matters-more-than-you-think/ You can now get CPD points for listening to two knuckleheads (and guests!) wax lyrical about financial advice for an hour at a time. CPD For this Episode: https://quiz.ensombl.com/NATH-26031304-00350001 Thanks again to the team at CPD Check for letting us publish our episodes using their AI-CPD certifying engine. Check out Clayton's episode on the pod for more info. Nathan: advice@nathanfradley.com.au www.nathanfradley.com.au Jordan: jordan@planningsolo.com.au www.planningsolo.com.au LinkedIn: Challenge the Standard in Financial Advice (Podcast): Overview | LinkedIn The information contained in this podcast is general in nature and does not take into account your personal situation. You should consider whether the information is appropriate to your needs, and where appropriate, seek professional advice from a financial adviser. Jordan and Nathan are both authorised representatives of PlanningSolo Licensing, AFS Licence 526143.

We all know what bad engagement looks like. The shiftiness in the face of the truth, the big sales pitch, over-promises and, sadly, inevitable pain when the truth comes to light. And we know what good engagement looks like - if I asked you, you could name a handful of advisers doing great work in engaging with the public. But, what about that space in between? How big is the gap between good and bad engagement? Why does it matter? Why, after all, are we all in this race for attention and engagement? This week, Nathan and Jordan explore this topic in (arguably excruciating and hypocritical) detail, discussing: Why advisers need to compete with the unqualified noisemakers out there Why it's so important that advisers own the space, instead of ceding it to product providers etc - not just for those of us in it now, but also for the future Why the slippery slope of chasing metrics can tempt the best of us to sliding towards the wrong end of the spectrum And you'll also get to know a little more about the newest character in the CTS universe - Conscience Chicken. Riding atop Theseus's Train of Trolley Carriages all the way to roost. (It gets weird) You can now get CPD points for listening to two knuckleheads (and guests!) wax lyrical about financial advice for an hour at a time. CPD For this Episode: https://quiz.ensombl.com/NATH-26021904-04440001 Thanks again to the team at CPD Check for letting us publish our episodes using their AI-CPD certifying engine. Check out Clayton's episode on the pod for more info. Nathan: advice@nathanfradley.com.au www.nathanfradley.com.au Jordan: jordan@planningsolo.com.au www.planningsolo.com.au LinkedIn: Challenge the Standard in Financial Advice (Podcast): Overview | LinkedIn The information contained in this podcast is general in nature and does not take into account your personal situation. You should consider whether the information is appropriate to your needs, and where appropriate, seek professional advice from a financial adviser. Jordan and Nathan are both authorised representatives of PlanningSolo Licensing, AFS Licence 526143.

This week, Nathan and Jordan try to answer the question - how involved should you, as an adviser, be involved in implementing your advice? Well, they don't try all that hard, but they have a shot at it. Starting at fairly opposite ends of the spectrum, they try to discuss: Working out who's job it is to get the forms signed If it's not your job, who's is it? How involved should you still be, even if you're not the one doing the forms? Now that how we get paid has been (should be?) severed from whether somebody implements our recommendations, does implementation have the same weight? Why are printers so rubbish still? This isn't a topic people discuss very much, but Nathan and Jordan are confident that it's an area ripe for challenging...and discussing...and questioning. So, have at it and let us know how involved YOU are with implementing your financial advice! You can now get CPD points for listening to two knuckleheads (and guests!) wax lyrical about financial advice for an hour at a time. CPD For this Episode: https://quiz.ensombl.com/NATH-26021111-24240001 Thanks again to the team at CPD Check for letting us publish our episodes using their AI-CPD certifying engine. Check out Clayton's episode on the pod for more info. Nathan: advice@nathanfradley.com.au www.nathanfradley.com.au Jordan: jordan@planningsolo.com.au www.planningsolo.com.au LinkedIn: Challenge the Standard in Financial Advice (Podcast): Overview | LinkedIn The information contained in this podcast is general in nature and does not take into account your personal situation. You should consider whether the information is appropriate to your needs, and where appropriate, seek professional advice from a financial adviser. Jordan and Nathan are both authorised representatives of PlanningSolo Licensing, AFS Licence 526143.

As a financial adviser, you no doubt know some stuff about the Age Pension. The Income Test. The Assets Test. Thresholds, limits, reduction factors - a fair bit of stuff. But how do you tackle some of the ethical considerations? How do you balance client best interests with client intentions - especially when some of those intentions can be a bit dicey? In this week's episode, we explore this fundamental part of retirement advice and try to add some new details and nuance to your approach. And, for keen listeners, let us know your answer to the $10,000 question - where has this 'rule' come from? Some links for you: History of the Age Pension in Australia Administration of the Age Pension | Australian National Audit Office (ANAO) Using the Social Security Guide | Social Security Guide You can now get CPD points for listening to two knuckleheads (and guests!) wax lyrical about financial advice for an hour at a time. CPD For this Episode: https://quiz.ensombl.com/NATH-26012910-42380001 Client Care and Practice - 0.75 Professionalism & Ethics - 0.25 Nathan: advice@nathanfradley.com.au www.nathanfradley.com.au Jordan: jordan@planningsolo.com.au www.planningsolo.com.au LinkedIn: Challenge the Standard in Financial Advice (Podcast): Overview | LinkedIn The information contained in this podcast is general in nature and does not take into account your personal situation. You should consider whether the information is appropriate to your needs, and where appropriate, seek professional advice from a financial adviser. Jordan and Nathan are both authorised representatives of PlanningSolo Licensing, AFS Licence 526143.

We genuinely had a plan for this episode...and then it just ran right off the rails. Which is a shame*. Because ASIC have updated their regulatory guidance around Conflicts of Interest, in Regulatory Guide 181. And it's good. Useful. Broader than before, touching on a wider range of potential conflicts amongst a much larger ecosystem than was the case when it was last refreshed (2004, ahem). It's one of our longest episodes, but even with our weird tangents and Simpsons quotes and more Willy Wonka recitations than you'd expect, we think it's still actually pretty helpful. Hopefully, anyway. *A hilarious, rollercoaster, digression-filled jaunt through our year-end tired minds, shame. Link to the RG: RG 181 AFS licensing: Managing conflicts of interest | ASIC You can now get CPD points for listening to two knuckleheads (and guests!) wax lyrical about financial advice for an hour at a time. CPD For this Episode: https://quiz.ensombl.com/NATH-25121808-54570001 Nathan: advice@nathanfradley.com.au www.nathanfradley.com.au Jordan: jordan@planningsolo.com.au www.planningsolo.com.au LinkedIn: Challenge the Standard in Financial Advice (Podcast): Overview | LinkedIn The information contained in this podcast is general in nature and does not take into account your personal situation. You should consider whether the information is appropriate to your needs, and where appropriate, seek professional advice from a financial adviser. Jordan and Nathan are both authorised representatives of PlanningSolo Licensing, AFS Licence 526143.

Weaknesses - we've all got 'em. But, what do we do about them? This week's episode sees Jordan and Nathan exploring the idea of weaknesses: What they are (and what they aren't) How to recognise them What to do about them How the weaknesses we all have can manifest in our work, our personal lives and our practices There's a smidge of vulnerability from the two of them, but hopefully you leave with a framework to tackle your own weaknesses - all with the goal of working towards your very best selves! After all, it's not a second, seven seconds away... You can now get CPD points for listening to two knuckleheads (and guests!) wax lyrical about financial advice for an hour at a time. To choose the episode you'd most like to see CPD for, visit the link below, and donate to Good Shepherd charity to lock in your choice. Request past Episodes for CPD: S7E3 Weaknesses Quiz - Ensombl CPD For this Episode: Technical Competence - 1.0 Professionalism & Ethics - 0.50 Nathan: advice@nathanfradley.com.au www.nathanfradley.com.au Jordan: jordan@planningsolo.com.au www.planningsolo.com.au LinkedIn: Challenge the Standard in Financial Advice (Podcast): Overview | LinkedIn The information contained in this podcast is general in nature and does not take into account your personal situation. You should consider whether the information is appropriate to your needs, and where appropriate, seek professional advice from a financial adviser. Jordan and Nathan are both authorised representatives of PlanningSolo Licensing, AFS Licence 526143.