Ensombl Advice Australia

Earn 0.75 CPD here: https://quiz.ensombl.com/CPDC-26071702-34390001 0.25 Client Care & Practice 0.25 Technical Competence 0.25 Regulatory Compliance and Consumer Protection In this first episode, Sarah Leslie is joined by Matthew Lloyd and Alex Berlee from AGS Financial Group. They discuss how recent Australian aged care reforms have increased complexity and costs, reshaped home and residential care funding (including packages, co-contributions, RADs, and respite), and why advisers must proactively plan, skill up or partner with specialists, and start aged care conversations early to better support clients and their families. Matthew Lloyd LinkedIn: https://www.linkedin.com/in/matthew-lloyd-mfinplan-mba-21913349/ Alex Berlee LinkedIn: https://www.linkedin.com/in/alexberlee/ AGS Financial Group Website: https://agsfinancialgroup.com.au/ For more information on aged care, access our whitepaper: https://ensombl.com/go/20260720-2/ General Disclaimer – https://www.ensombl.com/disclaimer/

Earn 1.0 CPD here: https://quiz.ensombl.com/CPDC-26071702-40430001 0.25 Client Care & Practice 0.25 Technical Competence 0.25 Regulatory Compliance and Consumer Protection 0.25 Professionalism and Ethics In this episode, Sarah speaks with Ben Hillier, Director Retirement at AMP. They explore how advisers can integrate aged care into holistic retirement planning by recognizing changing spending patterns, modeling government and out-of-pocket care costs, using structured frameworks like the 5Ls, and implementing income and equity strategies that give clients financial confidence and flexibility throughout retirement. Ben Hillier LinkedIn: https://www.linkedin.com/in/ben-hillier-au/ For more information on aged care, access our whitepaper: https://ensombl.com/go/20260720-2/ General Disclaimer – https://www.ensombl.com/disclaimer/

Earn 1.25 CPD here: https://quiz.ensombl.com/CPDC-26071702-47270001 0.25 Client Care & Practice 0.50 Technical Competence 0.25 Regulatory Compliance and Consumer Protection 0.25 Professionalism and Ethics In this final installment, Sarah talks to Shaun Ganguly, Founder & Principal Adviser at Prime Years Financial Planning. They discuss how advisers can effectively integrate aged care into long‑term retirement planning by reshaping advice processes, managing Centrelink and facility interactions, using specialised income and asset strategies, pricing and scoping aged care work appropriately, and collaborating with specialists to better support families emotionally, practically, and financially. Shaun Ganguly LinkedIn: https://www.linkedin.com/in/australiasretirementguy/ Prime Years Website: https://www.primeyears.com.au/ Shaun Ganguly Website: https://shaunganguly.com.au/ For more information on aged care, access our whitepaper: https://ensombl.com/go/20260720-2/ General Disclaimer – https://www.ensombl.com/disclaimer/

Earn 1.0 CPD here: https://quiz.ensombl.com/CPDC-26071401-57440001 0.25 Technical Competence 0.25 Client Care and Practice 0.25 Regulatory Compliance & Consumer Protection 0.25 Professionalism and Ethics This week, Rocksy speaks with Matt Fogarty, Executive General Manager - Partnerships at Infocus. They explore Matt’s journey in financial advice and his leadership of Infocus, and its four-pillar model and partnerships that help advice practices grow. Matt Fogarty LinkedIn: https://www.linkedin.com/in/matt-fogarty-2900825/ Infocus Website: https://www.infocus.com.au/ Explore the road less travelled at https://ensombl.com/go/20260715-2/ General Disclaimer – https://www.ensombl.com/disclaimer/

Earn 0.50 CPD here: https://quiz.ensombl.com/CPDC-26070700-42530001 0.25 Technical Competence 0.25 Regulatory Compliance and Consumer Protection In this episode, Ben speaks with Phil Anderson, General Manager - Policy, Advocacy and Standards at the FAAA. They discuss how the FAAA advocates for advisers within Australia’s complex regulatory and political environment, covering life insurance commissions (LIF), government and regulator roles (Treasury, ASIC, APRA), mental health impacts on TPD and income protection, adviser distribution and new adviser pathways, and the future of risk advice amid scandals, regulatory reform, and artificial intelligence. Phil Anderson LinkedIn: https://www.linkedin.com/in/philpaulanderson/ FAAA Website: https://faaa.au/ Visit The Adviser Portal and partner with Zurich and OnePath today: https://ensombl.com/go/20260708-2/ General Disclaimer – https://www.ensombl.com/disclaimer/

Earn 0.75 CPD here: https://quiz.ensombl.com/CPDC-26061903-06260001 0.25 Client Care & Practice 0.50 Technical Competence Artificial Intelligence has created enormous wealth for investors—but history suggests that periods of technological disruption can also be fertile ground for misplaced expectations and overlooked opportunities. In this episode, host James Whelan is joined by Povilas Dapkevicius from Orbis Investments to explore where value can still be found amid the AI boom. From semiconductor infrastructure and cloud computing to a biotech sector emerging from a prolonged downturn, the discussion highlights opportunities where market sentiment and long-term fundamentals have diverged. With valuations stretched across parts of the technology sector, this episode offers advisers a practical framework for separating excitement from opportunity and identifying businesses that can thrive long after today's market narratives have faded. Povilas Dapkevicius LinkedIn: https://www.linkedin.com/in/povilas-dapkevicius-25b5967/ Orbis Investments Disclaimer: https://ensombl.com/orbisdisclaimer/ James Whelan LinkedIn: https://www.linkedin.com/in/james-whelan-68146036/ Prepare your clients for a new investing dawn. Discover more: General Disclaimer – https://www.ensombl.com/disclaimer/

Earn 0.75 CPD here: https://quiz.ensombl.com/CPDC-26061505-51110001 0.25 Regulatory Compliance and Consumer Protection 0.25 Client Care & Practice 0.25 Technical Competence As global investors reassess where future growth will come from, host Amie Baker is joined by Stanley Lu (Orbis Investments) to challenge conventional thinking on emerging markets. They explore how many investors remain anchored to outdated perceptions, despite significant advances in governance, innovation, technology, and economic development across emerging economies. From Korea’s corporate reforms and China’s digital leadership to the valuation opportunities often overlooked in global portfolios, the discussion highlights why emerging markets may deserve a larger role in diversified portfolios. With a focus on bottom-up stock selection, long-term compounding, and finding exceptional businesses run by exceptional people, this episode offers advisers a fresh perspective on one of the most misunderstood areas of investing. Stanley Lu LinkedIn: https://www.linkedin.com/in/stanley-lu-a0a5983/ Orbis Investments Disclaimer: https://ensombl.com/orbisdisclaimer/ Amie Baker LinkedIn: https://www.linkedin.com/in/amie-baker-10975828/ Prepare your clients for a new investing dawn. Discover more: https://ensombl.com/go/20260617-2/ General Disclaimer – https://www.ensombl.com/disclaimer/

Earn 0.75 CPD here: https://quiz.ensombl.com/CPDC-26060501-47040001 0.25 Regulatory Compliance and Consumer Protection 0.25 Client Care & Practice 0.25 Technical Competence As geopolitical tensions, higher oil prices, and persistent inflation reshape the economic outlook, host Amie Baker is joined by Diana Mousina (North) and Estelle Liu (North) to explore what it means for investors and retirees. They unpack the market impact of the renewed Gulf conflict, the challenges facing central banks, and why inflation remains stubbornly high in Australia. The conversation then turns to retirement, examining the fear of running out of money, the tendency for retirees to underspend, and how advisers can help clients stay invested with confidence. With insights on portfolio construction, lifetime income solutions, and balancing growth with security, this episode offers practical guidance for navigating an increasingly uncertain retirement landscape. Diana Mousina LinkedIn: https://www.linkedin.com/in/diana-mousina-5a22442b/ Estelle Liu LinkedIn: https://www.linkedin.com/in/estelleliu/ Amie Baker LinkedIn: https://www.linkedin.com/in/amie-baker-10975828/ Grow with North. https://ensombl.com/go/20260608-2/ General Disclaimer – https://www.ensombl.com/disclaimer/

Earn 1.00 CPD here: https://quiz.ensombl.com/CPDC-26060107-14110001 0.25 Client Care & Practice 0.25 Technical Competence 0.25 Regulatory Compliance and Consumer Protection 0.25 Tax (Financial) Advice In this episode, Rocksy sits down with Karam Singh from EK Private Advisory. They discuss his journey from migrant paraplanner to global ultra‑high‑net‑worth adviser, cross‑border family office advice, adviser-led licensing, and how personal health crises, hard work, and trusted partnerships have shaped his vision for human‑centred, globally connected advice. Karam Singh LinkedIn: https://www.linkedin.com/in/karamdeepsingh/ EK Private Advisory Website: https://www.ekprivate.com.au/ Capella Advisory Website: https://capellaadvisory.com.au/ General Disclaimer – https://www.ensombl.com/disclaimer/

Earn 1.25 CPD here: https://quiz.ensombl.com/CPDC-26052600-21380001 0.50 Client Care & Practice 0.50 Technical Competence 0.25 Regulatory Compliance and Consumer Protection In this episode, Peita Diamantidis is joined by Gavin Lamb, Director and Head of Financial Planning at Navigate Advisors. They unpack the realities of intergenerational advice - from family dynamics, estate planning and succession for businesses and farms, to pricing, processes, and practical frameworks firms can use to help families become long-term custodians of their wealth and values. Gavin Lamb LinkedIn: https://www.linkedin.com/in/gavin-lamb-9a6bb38b/ Navigate Advisors Website: https://navigateadvisors.com.au/ Peita Diamantidis LinkedIn: https://www.linkedin.com/in/peitamd/ To find out how Generation Life’s investment bonds can help you transfer your clients’ wealth with clarity, control and confidence please visit: https://ensombl.com/go/20260527-2/ General Disclaimer – https://www.ensombl.com/disclaimer/

Earn 1.0 CPD here: https://quiz.ensombl.com/CPDC-26052600-27350001 0.50 Client Care & Practice 0.25 Technical Competence 0.25 Regulatory Compliance and Consumer Protection In episode two, Peita speaks with Inbam Devadason, Actuary, Founder and Director of Precision Financial. He shares practical strategies for building intergenerational wealth - covering family dynamics, home visits, free investment education for kids, aged care and estate planning support, and transitioning advice relationships across multiple generations within a family. Inbam Devadason LinkedIn: https://www.linkedin.com/in/inbam-devadason-8825875/ Precision Financial Website: https://www.precisionfinancial.com.au/ Peita Diamantidis LinkedIn: https://www.linkedin.com/in/peitamd/ To find out how Generation Life’s investment bonds can help you transfer your clients’ wealth with clarity, control and confidence please visit: https://ensombl.com/go/20260527-2/ General Disclaimer – https://www.ensombl.com/disclaimer/

Earn 1.25 CPD here: https://quiz.ensombl.com/CPDC-26052600-33590001 0.50 Client Care & Practice 0.50 Technical Competence 0.25 Professionalism and Ethics In this final episode, Peita and Joe Stephan from Stephan Independent Advisory dive into how to design and deliver truly intergenerational advice - blending family dynamics, emotional coaching, and smart use of AI to better serve business-owning families across generations. Joe Stephan LinkedIn: https://www.linkedin.com/in/josephstephancfp/ Stephan Independent Advisory Website: https://siadvisory.com.au/ Peita Diamantidis LinkedIn: https://www.linkedin.com/in/peitamd/ To find out how Generation Life’s investment bonds can help you transfer your clients’ wealth with clarity, control and confidence please visit: https://ensombl.com/go/20260527-2/ General Disclaimer – https://www.ensombl.com/disclaimer/

Earn 0.75 CPD here: https://quiz.ensombl.com/CPDC-26052501-15330001 0.25 Client Care & Practice 0.25 Professionalism and Ethics 0.25 Regulatory Compliance and Consumer Protection As investors face longer retirements and more complex market conditions, Ben Nash (Pivot Wealth) and Dan Miles (Innova Asset Management) join the conversation to explore compartmentalised investing and modern risk management. They discuss why portfolios should be aligned to client behaviour, lifestyle goals, and long-term objectives - not just static asset allocations. With a focus on managing to defined risk thresholds, balancing longevity concerns, and improving client understanding through clearer portfolio structure, this episode offers advisers practical insights into building more resilient, client-centric investment strategies. Dan Miles LinkedIn: https://www.linkedin.com/in/dan-miles-b264358a/ Ben Nash LinkedIn: Explore Innova's behavioural investing approach at https://ensombl.com/go/20260526-2/ General Disclaimer – https://www.ensombl.com/disclaimer/

Earn 1.25 CPD here: https://quiz.ensombl.com/CPDC-26052405-30060001 0.50 Client Care & Practice 0.50 Technical Competence 0.25 Professionalism and Ethics This week, Rocksy speaks with Kane Leersen from Regional Prosperity. They explore his journey from shearer’s son to regional financial advice leader, unpacking how he builds a values‑driven, community‑focused firm that invests heavily in people, technology, and long‑term legacy. Kane Leersen LinkedIn: https://www.linkedin.com/in/kane-leersen-7a9011b7/ Regional Prosperity Website: https://regionalprosperity.au/ Unreasonable Hospitality: https://www.unreasonablehospitality.com/books General Disclaimer – https://www.ensombl.com/disclaimer/

Earn 1.0 CPD here: https://quiz.ensombl.com/CPDC-26052000-02030001 0.25 Professionalism and Ethics 0.25 Client Care & Practice 0.25 Technical Competence 0.25 Regulatory Compliance and Consumer Protection In this episode, Ben is joined by Niall McConville, Managing Director at Bombora Advice. They unpack how regulation, product design, mental health claims, and pricing pressures are reshaping the Australian and New Zealand life insurance markets, and how advisers, licensees, group cover, and AI can work together to protect more clients sustainably. Niall McConville LinkedIn: https://www.linkedin.com/in/niall-mcconville/ Bombora Website: https://bomboraadvice.com.au/ PFAN Website: https://www.probonoadvice.com.au/ Visit The Adviser Portal and partner with Zurich and OnePath today: https://ensombl.com/go/20260521-2/ General Disclaimer – https://www.ensombl.com/disclaimer/

Earn 1.0 CPD here: https://quiz.ensombl.com/CPDC-26051801-36300001 0.25 Technical Competence 0.25 Client Care and Practice 0.25 Regulatory Compliance & Consumer Protection 0.25 Professionalism and Ethics In this episode, Rocksy speaks with Craig Kouimanis, Head of Paragem. They unpack how Count helps advice firms grow through licensing support, M&A and equity partnerships, technology and client engagement frameworks, succession planning, and practice management disciplines - all while balancing governance, profitability, and high‑quality client service. Craig Kouimanis LinkedIn: https://www.linkedin.com/in/craig-kouimanis-a6815531/ Count Website: https://www.count.au/ Paragem Website: https://paragem.com.au/ UncommonCents Podcast: https://podcasts.apple.com/au/podcast/uncommoncents/id1823576529 Explore the road less travelled at https://ensombl.com/go/20260519-2/ General Disclaimer – https://www.ensombl.com/disclaimer/

Earn 0.25 CPD here: https://quiz.ensombl.com/CPDC-26051802-20490001 0.25 Technical Competence In this episode, Neil Rogan speaks with Alex Cousley from Russell Investments. Alex explains resilient global growth and strong US earnings, rising Australian recession risks, tepid but stable China, and political and energy headwinds in the UK and Europe. Neil Rogan LinkedIn: https://www.linkedin.com/in/roganneil/ Alexander Cousley LinkedIn: https://www.linkedin.com/in/alexander-cousley-cfa-a10b81109/ Russell Investments Website: https://russellinvestments.com/ General Disclaimer – https://www.ensombl.com/disclaimer/

Earn 1.0 CPD here: https://quiz.ensombl.com/CPDC-26051100-30200001 0.25 Client Care & Practice 0.25 Technical Competence 0.25 Regulatory Compliance and Consumer Protection 0.25 Professionalism and Ethics In this episode, Rocksy is joined by Stuart Jones, Managing Director, Senior Financial Planner and Mortgage Broker at Michael Roach Financial Solutions. They discuss his journey from accounting to advice, how the firm evolved from low-cost super and insurance consolidation into a growing, tech-enabled financial planning and mortgage broking business, and the practical realities of pricing, team structure (including offshore support), client relationships, and preparing the practice for sustainable future growth. Stuart Jones LinkedIn: https://www.linkedin.com/in/stuart-jones-872ba334/ Michael Roach Financial Solutions Website: https://michaelroach.com.au/ General Disclaimer – https://www.ensombl.com/disclaimer/

Earn 0.75 CPD here: https://quiz.ensombl.com/CPDC-26050503-19180001 0.25 Client Care & Practice 0.25 Technical Competence 0.25 Tax (Financial) Advice In this episode, Vince Scully and Tony Kofkin (Kofkin Bond & Co) explore how advisers can earn deeper client trust by combining clear education, thoughtful structuring and genuinely human relationships across business, wealth and intergenerational planning. Tony Kofkin LinkedIn: https://www.linkedin.com/in/anthony-kofkin/ Kofkin Bond & Co Website: https://kofkinbond.com.au/ Vince Scully LinkedIn: https://www.linkedin.com/in/vincescully/ To download your copy of Generation Life’s new research report discussed in this Podcast please visit: https://ensombl.com/go/20260506-2/ General Disclaimer – https://www.ensombl.com/disclaimer/

Earn 0.75 CPD here: https://quiz.ensombl.com/CPDC-26050503-24490001 0.25 Client Care & Practice 0.25 Technical Competence 0.25 Tax (Financial) Advice Vince Scully is joined by Generation Life CEO Felipe Araujo and Michael Bova from Family Wealth Advisory. They discuss how regulatory change, tax-effective structures like investment bonds, and thoughtful intergenerational planning can help advisers build client confidence and trust in an uncertain advice environment. Michael Bova LinkedIn: https://www.linkedin.com/in/michael-colin-bova/ Family Wealth Advisory Website: https://www.familywealthadvisory.com.au/ Felipe Araujo LinkedIn: https://www.linkedin.com/in/felipe-araujo-3952903a/ Vince Scully LinkedIn: https://www.linkedin.com/in/vincescully/ To download your copy of Generation Life’s new research report discussed in this Podcast please visit: https://ensombl.com/go/20260506-2/ General Disclaimer – https://www.ensombl.com/disclaimer/

Earn 1.0 CPD here: https://quiz.ensombl.com/CPDC-26050401-06290001 0.25 Client Care & Practice 0.25 Technical Competence 0.25 Regulatory Compliance and Consumer Protection 0.25 Professionalism and Ethics In this episode, Rocksy is joined by Kara Treeby and Sarah Leslie from Story Wealth. They share how they built and evolved Story Wealth and Ageing with Grace into a specialist, intergenerational and aged‑care focused advice business, while navigating the GFC, raising families, structuring their partnership, and using process, tech, and deep empathy to support clients and their advisers through complex later‑life decisions. Kara Treeby LinkedIn: https://www.linkedin.com/in/kara-treeby/ Sarah Leslie LinkedIn: https://www.linkedin.com/in/sarah-leslie/ Story Wealth Website: https://storywealth.com.au/ Ageing with Grace Website: https://ageingwithgraceadvisory.com.au/ General Disclaimer – https://www.ensombl.com/disclaimer/

Earn 0.75 CPD here: https://quiz.ensombl.com/CPDC-26041923-49580001 0.25 Client Care & Practice 0.25 Technical Competence 0.25 Professionalism and Ethics In this episode, Rocksy sits down with Mathew Cassidy, Managing Director at Partners Wealth Group. They discuss Mathew’s journey from chartered accounting to building a $6B accountant‑aligned wealth management firm, the evolution of their joint venture model and multi-service offering, how they’ve used acquisitions, AI, and offshore support to scale, their innovative staff equity program, and what the future holds for sophisticated financial advice in an AI-enabled world. Mathew Cassidy LinkedIn: https://www.linkedin.com/in/mathewcassidy/ Partners Wealth Group Website: https://www.pwg.com.au/ General Disclaimer – https://www.ensombl.com/disclaimer/

Earn 0.75 CPD here: https://quiz.ensombl.com/CPDC-26041623-54090001 0.25 Regulatory Compliance and Consumer Protection 0.25 Client Care & Practice 0.25 Technical Competence As longevity increases and retirement decisions grow more complex, host Amie Baker is joined by Ben Hillier (AMP North) and Liz Haile (Haile Financial) to explore new approaches to structuring income in retirement. They unpack the IRIS framework as a flexible alternative to traditional pensions and annuities - designed to improve spending confidence, optimise Centrelink outcomes, and support lifetime income without sacrificing investment flexibility. With practical strategies spanning accumulation through to retirement, this episode highlights how advisers can better balance adequacy, longevity, and client outcomes in a changing retirement landscape. Liz Haile LinkedIn: https://www.linkedin.com/in/liz-haile-490a6941/ Haile Financial Website: https://www.hailefinancial.com.au/ Ben Hillier LinkedIn: https://www.linkedin.com/in/ben-hillier-au/ Amie Baker LinkedIn: https://www.linkedin.com/in/amie-baker-10975828/ Grow with North. https://ensombl.com/go/20260420-2/ General Disclaimer – https://www.ensombl.com/disclaimer/

Earn 0.75 CPD here: https://quiz.ensombl.com/CPDC-26041601-47180001 0.25 Technical Competence 0.25 Regulatory Compliance and Consumer Protection 0.25 Client Care and Practice This week, Pat speaks with Colin Jowell, Founder at BillWill. They discuss how BillWill, founded from Colin’s personal experience with his father’s estate, helps advisers bridge the gap between wills and clients’ real lives by providing a white‑label, tech-enabled estate planning and legacy service that leverages open banking, strong security, and emerging AI tools to better support families before and after death. Colin Jowell LinkedIn: https://www.linkedin.com/in/colinjowell/ BillWill Website: https://billwill.com.au/ Discover a world of client engagement: https://ensombl.com/go/20260417-2/ General Disclaimer – https://www.ensombl.com/disclaimer/

Earn 0.25 CPD here: https://quiz.ensombl.com/CPDC-26041506-25190001 0.25 Technical Competence Neil is joined by Alex Zaika, Chief Executive Officer at Global X Australia, as they discuss how Australian ETF investors responded to recent Middle East–driven volatility, highlighting strong net inflows, sector and regional rotations (including oil, defense, Australian and ex‑US equities), muted gold demand despite turmoil, growing interest in crypto, and the emerging “halo” trade focused on AI-related, low‑obsolescence infrastructure assets. Neil Rogan LinkedIn: https://www.linkedin.com/in/roganneil/ Russell Investments Website: https://russellinvestments.com/ Alex Zaika LinkedIn: https://www.linkedin.com/in/alex-zaika-caia-a1a85612/ Global X Australia Website: https://www.globalxetfs.com.au/ General Disclaimer – https://www.ensombl.com/disclaimer/

Earn 0.75 CPD here: https://quiz.ensombl.com/CPDC-26041001-14430001 0.25 Client Care & Practice 0.25 Technical Competence 0.25 Regulatory Compliance and Consumer Protection In this episode, Sacha is joined by Sacha Burchgart, Founder and Managing Director at Burcheart, and Vincent Holland, Co-Founder at Plutosoft. They discuss how advice firms should move beyond the “all-in-one vs tech stack” debate by using a single core advice/CRM platform as the engine of the business, supported by targeted integrations, strong data integrity, and thoughtful change management driven by the team. Sacha Burchgart LinkedIn: https://www.linkedin.com/in/sacha-burchgart-42587939/ Burcheart Website: https://www.burcheart.com.au/ Vincent Holland LinkedIn: https://www.linkedin.com/in/vincent-holland-6b50ab62/ To see how Plutosoft can transform your practice, book a demo: https://ensombl.com/go/20260415-2/ General Disclaimer – https://www.ensombl.com/disclaimer/

Earn 0.50 CPD here: https://quiz.ensombl.com/CPDC-26041001-15270001 0.25 Client Care & Practice 0.25 Technical Competence In this second instalment, Sacha speaks with Chloe Leow, Practice Manager at Byfields Wealth Management, and Leanne Bogoev, Head of Customer Success at Plutosoft. They share practical, psychologically-aware lessons and tips on deciding to switch, migrating to, and successfully embedding a new financial advice CRM system in an advice practice. Leanne Bogoev LinkedIn: https://www.linkedin.com/in/leanne-bogoev-129780291/ Byfields Wealth Management Website: https://byfieldswealth.com.au/ To see how Plutosoft can transform your practice, book a demo: https://ensombl.com/go/20260415-2/ General Disclaimer – https://www.ensombl.com/disclaimer/

Earn 0.75 CPD here: https://quiz.ensombl.com/CPDC-26040923-30460001 0.25 Regulatory Compliance and Consumer Protection 0.25 Client Care & Practice 0.25 Technical Competence As portfolios become increasingly concentrated beneath the surface, host James Whelan is joined by Eric Marais (Orbis Investments) to challenge what genuine diversification really means. They unpack how passive indices and many active funds are heavily exposed to US mega-cap, tech-driven growth themes, creating hidden risks if leadership shifts. Drawing on history and current valuation extremes, the discussion highlights opportunities beyond the obvious—including mid-caps, healthcare, and international markets—while stressing diversification across style, geography, and currency. With a focus on preparation over prediction, this episode helps advisers build portfolios resilient to a wider range of outcomes. Eric Marais LinkedIn: https://www.linkedin.com/in/eric-marais/ Rethinking Genuine Diversification Whitepaper: https://lnkd.in/emQtYVhe Orbis Investments Disclaimer: https://ensombl.com/orbisdisclaimer/ James Whelan LinkedIn: https://www.linkedin.com/in/james-whelan-68146036/ Prepare your clients for a new investing dawn. Discover more: https://ensombl.com/go/20260413-2/ General Disclaimer – https://www.ensombl.com/disclaimer/

Earn 0.75 CPD here: https://quiz.ensombl.com/CPDC-26040901-32320001 0.25 Technical Competence 0.25 Regulatory Compliance and Consumer Protection 0.25 Client Care and Practice In this episode, Patrick speaks with Daniel Donovan, Founder at Alpine Advisory. They discuss how practices can more effectively scale and improve client experience by first fixing and mapping their processes, then applying automation and emerging AI tools (like Claude, Copilot, and Cowork) in targeted, deterministic ways rather than simply hiring more staff or chasing new software. Daniel Donovan LinkedIn: https://www.linkedin.com/in/danieldonovan09/ Alpine Advisory Website: https://www.alpineadvisory.ai/ Discover a world of client engagement: https://ensombl.com/go/20260410-2/ General Disclaimer – https://www.ensombl.com/disclaimer/

Earn 0.75 CPD here: https://quiz.ensombl.com/ENSO-26032704-24130001 0.25 Client Care & Practice 0.25 Technical Competence 0.25 Regulatory Compliance and Consumer Protection In this first episode, Tanya is joined by Terry Dillon, Chief Executive Officer for Shadforth, and Ashton Jones, Director of Customer Innovation at MLC. They discuss how Innovative Retirement Income Solutions (IRIS) and related strategies - such as income layering, managing longevity and sequencing risk, and leveraging age pension concessions - can help advisers design more confident, sustainable retirement income plans for Australian clients. Terry Dillon LinkedIn: https://www.linkedin.com/in/terry-dillon-697116165/ Shadforth Website: https://www.sfg.com.au/ Ashton Jones LinkedIn: https://www.linkedin.com/in/ashjones/ MLC Expand. For more information visit https://ensombl.com/go/20260401-2/ General Disclaimer – https://www.ensombl.com/disclaimer/

Earn 0.75 CPD here: https://quiz.ensombl.com/ENSO-26032704-32100001 0.25 Client Care & Practice 0.25 Technical Competence 0.25 Professionalism and Ethics Tanya speaks with Renee Diver and Amber McGhie from Firefly Financial, and Erica Malliotis, Retirement Specialist at MLC Expand. They discuss how advisers can better explain and use IRIS lifetime income products - alongside account-based pensions and other strategies - to manage longevity, risk, Centrelink benefits, and estate-planning concerns so clients can feel more confident about their retirement income. Renee Diver LinkedIn: https://www.linkedin.com/in/renee-diver-4085456b/ Amber McGhie LinkedIn: https://www.linkedin.com/in/amber-mcghie-37553a1b2/ Firefly Financial Website: https://www.fireflyfinancial.com.au/ Erica Malliotis LinkedIn: https://www.linkedin.com/in/erica-malliotis-11324077/ MLC Expand. For more information visit https://ensombl.com/go/20260401-2/ General Disclaimer – https://www.ensombl.com/disclaimer/

Earn 0.75 CPD here: https://quiz.ensombl.com/ENSO-26033103-18270001 0.25 Client Care & Practice 0.25 Technical Competence 0.25 Regulatory Compliance and Consumer Protection In this instalment, Tanya speaks with Harry Flaskas, Practice Principal at Atlas Wealth Advisory, and Ashton Jones, Director of Customer Innovation at MLC. They discuss how advisers can use retirement income philosophies, income layering, and innovative retirement income solutions (IRIS) alongside traditional products to manage longevity and sequencing risks, optimise Centrelink outcomes, and give clients greater confidence to spend sustainably in retirement. Harry Flaskas LinkedIn: https://www.linkedin.com/in/harry-flaskas-7123a076/ Atlas Wealth Website: https://atlaswealthadvisory.com.au/ Ashton Jones LinkedIn: https://www.linkedin.com/in/ashjones/ MLC Expand. For more information visit https://ensombl.com/go/20260401-2/ General Disclaimer – https://www.ensombl.com/disclaimer/

Earn 1.0 CPD here: https://quiz.ensombl.com/ENSO-26032923-13100001 0.25 Client Care & Practice 0.25 Technical Competence 0.25 Professionalism and Ethics 0.25 Regulatory Compliance and Consumer Protection In this episode, Rocksy speaks with Justin O'Donoghue, Head of Advice Operations and Excellence at Ironbark. They discuss regional advice, outsourcing and offshore teams, technology and AI enablement, values-based client advice, and how to scale high-quality financial planning to tens of thousands of Australian families. Justin O'Donoghue LinkedIn: https://www.linkedin.com/in/justin-o%C2%B4donoghue-25bab637/ Ironbark Website: https://www.ironbarkfg.com.au/ Otter.ai Website: https://otter.ai/ Claras Website: https://claras.ai/ General Disclaimer – https://www.ensombl.com/disclaimer/

Earn 0.75 CPD here: https://quiz.ensombl.com/ENSO-26032700-17180001 0.25 Client Care & Practice 0.25 Technical Competence 0.25 Regulatory Compliance and Consumer Protection In this episode, Ben speaks with Paul Milbourne, Business Protection and Life Insurance Specialist at Milbourne Insurance Solutions. They discuss how and why he left a large firm to build a profitable, referral-driven, risk-only advice business from scratch - covering his costs through upfront commissions, growing rapidly via ideal-client referrals and LinkedIn presence, leveraging strong systems, estate planning and claims advocacy, and emphasising mentorship, deep client relationships, and MDRT-style professional community as the foundation for sustainable growth. Paul Milbourne LinkedIn: https://www.linkedin.com/in/paulmilbourne1/ Milbourne Insurance Solutions Website: https://www.milbourne.com.au/ MDRT: https://globalconference.mdrt.org/ Marc Fabris: https://point1.com.au/ Visit The Adviser Portal and partner with Zurich and OnePath today: https://ensombl.com/go/20260330-2/ General Disclaimer – https://www.ensombl.com/disclaimer/

Earn 0.75 CPD here: https://quiz.ensombl.com/ENSO-26032602-23060001 0.25 Technical Competence 0.25 Regulatory Compliance and Consumer Protection 0.25 Client Care and Practice This week, Pat is joined by Mark Zaglas, CEO and Director at Encore Advisory Group. They explore how leadership, operating models, and AI-driven technology are reshaping advice firms through the “Big Six” trends for 2026, covering the rise of the COTO role, rebuilding sales engines, adviser mobility, evolving value propositions, emerging conflicts of interest, and the execution gap between knowing and doing. Mark Zaglas LinkedIn: https://www.linkedin.com/in/mark-zaglas/ Encore Advisory Website: https://www.encoreadvisorygroup.com.au/ Between Meetings with Matt Heine – Discover a podcast for wealth professionals: https://ensombl.com/go/20260327-2/ General Disclaimer – https://www.ensombl.com/disclaimer/

Earn 1.0 CPD here: https://quiz.ensombl.com/ENSO-26032223-39010001 0.25 Technical Competence 0.25 Client Care and Practice 0.25 Regulatory Compliance & Consumer Protection 0.25 Professionalism and Ethics In this episode, Rocksy is joined by Matt Lawler, CEO of Akumin. They discuss his journey from growing up around advice to leading Akumin’s spin-out from AMP, industry reforms, growth and efficiency (including AI), adviser capacity and talent shortages, licensee myths, and Akumin’s shift toward adviser-owned, nationally scaled, “freedom within a framework” advice businesses. Matt Lawler LinkedIn: https://www.linkedin.com/in/matt-lawler/ Akumin Website: https://akumin.com.au/ Explore the road less travelled at https://ensombl.com/go/20260324 General Disclaimer – https://www.ensombl.com/disclaimer/

Earn 0.75 CPD here: https://quiz.ensombl.com/ENSO-26032000-04430001 0.25 Client Care & Practice 0.25 Technical Competence 0.25 Regulatory Compliance and Consumer Protection This week, Ben is joined by Mitch Ramsbotham, Head of Growth and Strategy at Coastal Advisory Australia. They discuss how Coastal Advisory Australia has built a fast‑growing, multi‑disciplinary financial advice business with a dedicated, methodical life insurance (risk) capability at its core, using specialisation, internal referral systems, technology and acquisitions to drive scalable growth and intergenerational client relationships. Mitch Ramsbotham LinkedIn: https://www.linkedin.com/in/mitchell-ramsbotham-04122812/ Coastal Advisory Australia Website: https://coastaladvisory.com.au/ Visit The Adviser Portal and partner with Zurich and OnePath today: https://ensombl.com/go/20260323 General Disclaimer – https://www.ensombl.com/disclaimer/

Earn 0.50 CPD here: https://quiz.ensombl.com/ENSO-26031722-58400001 0.25 Technical Competence 0.25 Client Care and Practice Jesse is the Retirement Engagement Leader and Senior Product Owner at Aware Super. He and James discuss the key insights from Aware Super’s retirement study, exploring why many Australians struggle to look forward to and plan for retirement, how uncertainty and life events shape decisions (including early retirement), and the crucial roles of safety, security, and shifting financial priorities in helping people retire with confidence. Jesse Oey LinkedIn: https://www.linkedin.com/in/jesseoey/ Aware Super Website: https://aware.com.au/ Ensombl Progress is a professional development membership for advisers who want momentum and implementation - not just ideas - with protected time and peer accountability to turn key initiatives into visible progress. Learn more at https://ensombl.com/membership/ General Disclaimer – https://www.ensombl.com/disclaimer/

Earn 1.0 CPD here: https://quiz.ensombl.com/ENSO-26031600-00560001 0.50 Client Care & Practice 0.25 Technical Competence 0.25 Professionalism and Ethics In this episode, Rocksy speaks with Ryan Watson, CEO and founder of Tribeca Financial. They discuss his personal journey into advice and the building of Tribeca Financial, its client-centric philosophy, “tribe” culture, four-day workweek, diamond team structure, growth ambitions to 5,000 client families, and employee ownership model as a pathway for talented advisers and staff. Ryan Watson LinkedIn: https://www.linkedin.com/in/r-watson/ Tribeca Financial Website: https://www.tribecafinancial.com.au/ Ensombl Progress is a professional development membership for advisers who want momentum and implementation - not just ideas - with protected time and peer accountability to turn key initiatives into visible progress. Learn more at https://ensombl.com/membership/ General Disclaimer – https://www.ensombl.com/disclaimer/

Earn 0.75 CPD here: https://quiz.ensombl.com/ENSO-26031304-04190001 0.25 Client Care & Practice 0.25 Technical Competence 0.25 Regulatory Compliance and Consumer Protection In this episode, Ben speaks with Jake Reus, CEO and Head of Financial Advice at Bob Reus & Co. They discuss how a multi-service financial advice firm can embed life insurance into holistic client relationships, using structured philosophies, motivational conversations (CAMS), team training, and process design to improve client protection, business performance, and adviser capability. Jake Reus LinkedIn: https://www.linkedin.com/in/jakereus/ Bob Reus & Co Website: https://reus.com.au/ CAMS: https://ensombl.com/app/uploads/2026/03/CAMS_AAA_Branded_Deck.pptx Reus Insurance Philosophy: https://ensombl.com/app/uploads/2026/03/reus-Insurance-Philosophy.docx Visit The Adviser Portal and partner with Zurich and OnePath today: https://ensombl.com/go/20260316 General Disclaimer – https://www.ensombl.com/disclaimer/

Earn 0.75 CPD here: https://quiz.ensombl.com/ENSO-26031202-02180001 0.25 Technical Competence 0.25 Regulatory Compliance and Consumer Protection 0.25 Client Care and Practice In this episode, Pat speaks with Eloise Somerford and Julia Vojkovic from 3Lines. They explore how 3Lines Group’s AI-driven compliance tools -particularly their “Regi” suite (chat, reviews, and vets) - are evolving to help AFSL licensees centralise compliance, enhance advice reviews and pre-vetting, and integrate AI into workflows without replacing human judgment. Eloise Somerford LinkedIn: https://www.linkedin.com/in/eloise-somerford-467aab47/ Julia Vojkovic LinkedIn: https://www.linkedin.com/in/julia-vojkovic-708563114/ 3Lines Website: https://www.3lines.com.au/ Founder Wins and Losses Article: https://www.linkedin.com/pulse/founder-wins-losses-building-regireviews-one-week-time-julia-vojkovic-8gxxc/ Between Meetings with Matt Heine – Discover a podcast for wealth professionals: https://ensombl.com/go/20260313 General Disclaimer – https://www.ensombl.com/disclaimer/

Earn 1.0 CPD here: https://quiz.ensombl.com/ENSO-26030823-50550001 0.25 Client Care & Practice 0.25 Technical Competence 0.25 Professionalism and Ethics 0.25 Regulatory Compliance and Consumer Protection This week, Rocksy is joined by Alex McMillan, Managing Director at Seedli. They discuss the origins and philosophy of his firm, its focus on young wealth accumulators, tech stack and corporate growth strategy, and how he builds culture, processes, and client value in a modern advice practice. Alex McMillan LinkedIn: https://www.linkedin.com/in/alex-mcmillan-seedli/ Seedli Website: https://seedli.com.au/ Flux Website: https://www.flux.finance/ Ensombl Progress is a professional development membership for advisers who want momentum and implementation - not just ideas - with protected time and peer accountability to turn key initiatives into visible progress. Learn more at https://ensombl.com/membership/ General Disclaimer – https://www.ensombl.com/disclaimer/

Earn 0.75 CPD here: https://quiz.ensombl.com/ENSO-26030523-03540001 0.25 Client Care & Practice 0.25 Technical Competence 0.25 Regulatory Compliance and Consumer Protection In this episode, Ben talks with Aaron Zol, Head of Business and Insurance Advice Growth at Entireti. They discuss his fifteen year journey across major institutions and licensees and his new role building Entireti Life’s insurance capability to lift adviser capacity, simplify processes, partner with insurers and claims specialists, and meaningfully increase life insurance coverage for Australians. Aaron Zol LinkedIn: https://www.linkedin.com/in/aaron-zol-b8a56670/ Entireti Website: https://entireti.com.au/ Integrity Resolutions Website: https://integrityresolutions.com.au/ Visit The Adviser Portal and partner with Zurich and OnePath today: https://ensombl.com/go/20260309 General Disclaimer – https://www.ensombl.com/disclaimer/

Earn 0.75 CPD here: https://quiz.ensombl.com/ENSO-26030401-16280001 0.25 Technical Competence 0.25 Client Care and Practice 0.25 Professionalism and Ethics Izzy is the co-founder of Henry Advisory, a newly launched advice firm focused on “High Earners, Not Rich Yet” (HENRYs). He and James discuss why he left a high-performing career advising ultra-high-net-worth clients to build a business serving ambitious professionals, the psychology of feeling “rich”, and his mission to provide values-driven, lifestyle-focused advice in a market crowded by property spruikers and sales-driven models. Izzy Tittor LinkedIn: https://www.linkedin.com/in/izzy-tittor-7b4469a1/ Henry Advisory Website: https://henryadvisory.com.au/ For a simpler, faster way to write risk visit https://ensombl.com/go/20260305 General Disclaimer – https://www.ensombl.com/disclaimer/

In this episode, Neil Rogan speaks with Alex Cousley from Russell Investments. They discuss recent geopolitical tensions involving Israel, the US, and Iran, their impact on oil prices, the current earnings season, and implications for investors. Neil Rogan LinkedIn: https://www.linkedin.com/in/roganneil/ Alexander Cousley LinkedIn: https://www.linkedin.com/in/alexander-cousley-cfa-a10b81109/ Russell Investments Website: https://russellinvestments.com/ General Disclaimer – https://www.ensombl.com/disclaimer/

Earn 1.0 CPD here: https://quiz.ensombl.com/ENSO-26011822-35250001 0.50 Client Care & Practice 0.25 Technical Competence 0.25 Tax (Financial) Advice In this episode, Rocksy is joined by Angus Taylor, Founder of Sheffield Financial Group and Senior Financial Planner. They discuss his unique journey into financial planning, the growth and operations of Sheffield Financial, client-focused solutions, team development, use of technology, and his vision for future expansion. Angus Taylor LinkedIn: https://www.linkedin.com/in/angus-taylor-2882633a/ Sheffield Financial Group Website: https://www.sheffieldfinancial.com.au/ Ensombl Progress is a professional development membership for advisers who want momentum and implementation - not just ideas - with protected time and peer accountability to turn key initiatives into visible progress. Learn more at https://ensombl.com/membership/ General Disclaimer – https://www.ensombl.com/disclaimer/

Earn 0.75 CPD here: https://quiz.ensombl.com/ENSO-26022622-56460001 0.25 Client Care & Practice 0.25 Technical Competence 0.25 Regulatory Compliance and Consumer Protection As elevated valuations and index concentration challenge traditional portfolios, Daniel Kelly is joined by Chris Hestelow (Allan Gray) to explore the firm’s contrarian, long-term investment philosophy. They unpack a high-conviction process built on deep fundamental research, independent review, and clear portfolio manager accountability - designed to prioritise alpha over index-hugging. They highlight recent outperformance from out-of-favour holdings rather than mega-cap leaders, and how advisers can pair truly active strategies with passive allocations for genuine diversification. With a focus on absolute risk and building resilient portfolios over macro predictions, this episode offers practical insight for navigating uncertain markets. Chris Hestelow LinkedIn: https://www.linkedin.com/in/chris-hestelow-cfa-97264812a/ Daniel Kelly LinkedIn: https://www.linkedin.com/in/daniel-kelly-cfa-b699b962/ Viola Private Wealth Website: https://www.violaprivatewealth.com.au/ Passive investing is tempting. That’s the risk. To learn more, reach out to our team or visit https://ensombl.com/go/20260302 General Disclaimer – https://www.ensombl.com/disclaimer/

Earn 0.75 CPD here: https://quiz.ensombl.com/ENSO-26022601-28380001 0.25 Technical Competence 0.25 Regulatory Compliance and Consumer Protection 0.25 Client Care and Practice This week, Pat is joined by Andrew Gardner and Eric Tetik from RetireMap. They discuss how RetireMap has evolved into a modern, highly integrated, AI-enabled financial modeling tool with a growing support-focused team, aiming to deliver faster, more engaging, and more efficient advice workflows for financial planning practices. Andrew Gardner LinkedIn: https://www.linkedin.com/in/andrew-gardner-3097393/ Eric Tetik LinkedIn: https://www.linkedin.com/in/eric-tetik/ RetireMap Website: https://retiremap.com.au/ Previous Episode: https://ensombl.com/podcasts/advicetech82/ Snagit: https://www.techsmith.com/snagit/ Between Meetings with Matt Heine – Discover a podcast for wealth professionals: https://ensombl.com/go/20260227 General Disclaimer – https://www.ensombl.com/disclaimer/

Earn 0.50 CPD here: https://quiz.ensombl.com/ENSO-26022402-34340001 0.25 Technical Competence 0.25 Client Care and Practice Recorded live at the Ensombl Retirement Xchange in Melbourne, James asks attendees what their “aha moments” from the event were, and gets their insights on improving human-centered advice, the client review processes, and intergenerational retirement planning, while exploring how longevity products and AI-enabled tools can better support clients’ spending, legacy, and overall experience. For a simpler, faster way to write risk visit https://ensombl.com/go/20260225 General Disclaimer – https://www.ensombl.com/disclaimer/

Earn 1.0 CPD here: https://quiz.ensombl.com/ENSO-26022223-39570001 0.25 Technical Competence 0.25 Client Care and Practice 0.25 Regulatory Compliance & Consumer Protection 0.25 Professionalism and Ethics In this episode, Rocksy speaks with Jonathan Christie, Managing Director at Oreana Partnerships. They explore how Oreana Partnerships has evolved as a specialist, technology‑led, advice‑focused licensee and capital partner, which supports mature, predominantly pre‑retiree/retiree advice practices with governance, AI-enabled efficiency, succession and growth/acquisition strategies while maintaining a tightly curated, profitable national network. Jonathan Christie LinkedIn: https://www.linkedin.com/in/jonathan-christie-a8807561/ Oreana Partnerships Website: https://oreanapartnerships.com.au/ Explore the road less travelled at https://ensombl.com/go/20260224 General Disclaimer – https://www.ensombl.com/disclaimer/