Our PUBLICATIONS

& from those that influence us…

With governments constantly changing the rules and with rivalry and point-scoring between different superannuation product providers, it’s become clear that short-term thinking has eroded consumer trust in superannuation. Even worse, it has left most Australians apathetic about their superannuation.

Why are Aussies so disconnected from their superannuation?

DECEMBER 2018, Certainty Advice Group

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Firstly, there must be a clear separate of financial advice & product advice. Secondly, enforce clear and transparent fee structures. Thirdly, stronger leadership and delivery of the social contract Australians expect from their professional advisers.

RESPONSE to the Royal Commission on Misconduct into the Banking, Insurance and FInancial Services Industry

June 2018, Certainty Advice Group

Firstly, there must be a clear separation of financial advice & product advice. Secondly, enforce clear and transparent fee structures. Thirdly, stronger leadership and delivery of the social contract Australians expect from their professional advisers.

RESPONSE to the Royal Commission on Misconduct into the Banking, Insurance and FInancial Services Industry

June 2018, Certainty Advice Group

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Firstly, there must be a clear separate of financial advice & product advice. Secondly, enforce clear and transparent fee structures. Thirdly, stronger leadership and delivery of the social contract Australians expect from their professional advisers.

RESPONSE to the Royal Commission on Misconduct into the Banking, Insurance and FInancial Services Industry

June 2018, Certainty Advice Group

To this day, thanks to the power of the incumbent financial advice models, Australians are still paying for advice unaware if it’s product advice or financial advice.

Who's Acting In Your Best Interests?

October 2017, Certainty Advice Group

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To this day, thanks to the power of the incumbent financial advice models, Australians are still paying for advice unaware if
it’s product advice or financial advice.

Who's Acting In Your Best Interests?

October 2017, Certainty Advice Group

A valuable adviser first seeks to find out the very root cause of why people seek out financial
advice. While the initial reasons may be around an investment, the deeper reasons are much
more personal. To discover these desires takes time and trust.

What Price Valuable Advice?

April 2017, Certainty Advice Group

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A valuable adviser first seeks to find out the very root cause of why people seek out financial
advice. While the initial reasons may be around an investment, the deeper reasons are much
more personal. To discover these desires takes time and trust.

What Price Valuable Advice?

April 2017, Certainty Advice Group

The primary reason many of us can’t save for a
rainy day is that we live in an ongoing storm.

Our Secret Financial Insecurities

November 2016, Certainty Advice Group

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The primary reason many of us can’t save for a
rainy day is that we live in an ongoing storm.

Our Secret Financial Insecurities

November 2016, Certainty Advice Group

We’re on the threshold of something big. Both the accounting and wealth industries are  fundamentally transforming. With changing technology and legislation, our industries could be disrupted forever..

Crossing The Divide

June 2016, Certainty Advice Group

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We’re on the threshold of something big. Both the accounting and wealth industries are  fundamentally transforming. With changing technology and legislation, our industries could be disrupted forever..

Crossing The Divide

June 2016, Certainty Advice Group

Seeking Certainty explains that the financial planning industry is badly broken and driven by people intent on selling financial products rather than helping solve people’s financial problems.

This book aims to provide the informed seeker of financial advice an approach to seeking greater financial certainty in their lives. It argues that clients who engage firms that offer on-going management of their financial behaviours, habits, mindsets, life experiences, situational complexities, and personal influences will obtain far greater benefits in terms of achieving their financial dreams that the ‘old style’, product-remunerated firms.

Seeking Certainty

2013, Jim Stackpool

The paradigms that spawned the financial advisory industry in Australia and most of the developed world have unfortunately not served consumers as well as they have served themselves.

DELIVERING CERTAINTY is written for advisory firms focused on building great firms that delivered consistent, methodical advice regardless of markets, legislation, specific products or services (and without payments from product suppliers).

 

Delivering Certainty

2012, Jim Stackpool

I wrote this book for three reasons…

1. throughout the 2008/9 global financial crisis, a number of my great advice clients actually raise their fees as their client asset balances reduced. As the majority of the self-proclaimed fee for service financial advisers (i.e. priced on the quantity of assets) took a bath, there were great advisers providing great advice (i.e. delivering confidence, direction, leadership and peace of mind) when everyone else was sitting on their hands waiting for markets to lift their fees again – the story behind the pricing models these great advisers used needed to be told…
2. the great new financial advisers entering the market don’t (and can’t) repeat the careers of those that went before them. In Australia (and soon the UK), commissions charged on financial products are becoming more transparent (i.e. expressed in dollars terms, not just confusing percentages) and in some cases outlawed. The paper trails required for compliance and quality advice are far more onerous and the competition far more advanced (and far more aggressively advertising on TV). But most importantly, new advisers want to align their advice and earn their fees even when the best advice might conflict the marketplace paranoia or ‘herd mentality’. Sometimes even the best surgeons need to amputate – but they still deserve their fee.
3. pricing theories have languished. The logic behind commissions date back to early 1900s and hourly rates mid-1900s. Compared to advances in IT, HR, pricing theories are badly dated. What Price Advice simplest aim is to advance the debate with alternatives for professionals that want to move beyond fees v commission or hourly rates v value.
I’d welcome comment/debat

What Price Advice

2009, Jim Stackpool

Australians pay far too much for superannuation… these payments to thesuperannuation industry can and should be reduced by at least
half, saving Australians at least $10 billion a year. It is the largestsingle opportunity for micro-economic reform in the economy.

Super Sting: how to stop Australians paying too much for superannuation

April 2014, Grattan Institute

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Competition will increase, comprehensive wealth management will be dominant advice model, alliances will be critical and focus on quality not quantity of advice.

The Road Ahead: The Future of the Advisory Business

October 2002, Jim Stackpool - Strategic Consulting & Training, John J. Bowen, Russ Alan Price - CEG Worldwide

Competition will increase, comprehensive wealth management will be dominant advice model, alliances will be critical and focus on quality not quantity of advice.

The Road Ahead: The Future of the Advisory Business

October 2002, Jim Stackpool - Strategic Consulting & Training, John J. Bowen, Russ Alan Price - CEG Worldwide

HYPERCOMPETITION is the incredible boom coming to the competitive landscape of financial planning that will change the industry forever

HYPERCOMPETITION: The Dynamic Future of Financial Planning in Australia

November 2001, Credit Suisse Asset Management

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