KeyInvest

If your client can't explain the tax outcome back to you in two sentence, you may not have informed consent.

Our latest CPD article introduces the Two sentence Test: a simple framework for confirming genuine client comprehension before implementation, strengthening your obligations under the Code of Ethics and you defensibility with ASIC.

Read full article and recieve your CPD point via Think Caddie:

The “Two Sentences” Test - Can the Client Explain the Tax Outcome Back to You The Two Sentences Test provides a simple but powerful framework for assessing whether true client understanding has been achieved in financial advice.

The questions worth asking don't fit neatly into a deck.

But Ciaran McAssey took them head on in the press conference at The Inside Network's INZ: Investment Leaders Forum in Queenstown this week.

With conversations shaping real-world client portfolios right now, questions from principals, CIOs and senior wealth professionals were coming in fast.

Speaking at the The Inside Network's Investment Leaders Forum in Queenstown, Craig Brooke presented on the strategy sitting inside our funeral bonds for four years before advisers asked for it as a standalone.

A great presentation from Craig on our newly launched KeyInvest Managed Investments (KIMI), a wholly-owned KeyInvest subsidiary.

Looking forward to the whole event and hearing the other speakers

Investment bonds have a reputation problem, many advisers still see them as outdated, heavily taxed and inaccessible.

Our latest CPD article challenges those assumptions, covering how investment bonds work, who they suit, and why they deserve a place in intergenerational wealth transfer strategies.

Read the full article and earn your CPD point via Think Caddie: https://bit.ly/4q4qeC2

Investment Bonds: A Modern Tool for Intergenerational Wealth Transfer Investment bonds have long existed as a flexible investment vehicle, but their role in intergenerational wealth transfer is often underestimated or overlooked by financial advisers.

Your SMSF just got more expensive, and if your balance is above $3 million you've probably felt it already.

Craig Brooke writes on the shift in the latest issue of Forge Magazine, and puts a different question to advisers altogether: not how the new Division 296 tax is calculated, but where the next dollar of capital belongs.

That is where investment bonds earn their place again. Tax-paid at a maximum of 30 per cent and after a decade the proceeds are tax-free in the investor's hands. Who they go to is entirely the investor's choice.

Read the full article: https://bit.ly/4q3uYbd

"Just put it in super" is one of the most common phrases in Australian financial advice.

But when a strategy becomes a reflex, it creates ethical risk.

Our CPD article looks at the ethical limits of default superannuation thinking, and what professional judgement looks like in practice.

Read the full article and earn your CPD points via Think Caddie:

Just Put it in Super - The Ethical Limits of a Popular Strategy “Just put it in super” has become a common shorthand in Australian financial advice, reflecting superannuation’s long-standing tax advantages and central role in retirement planning.

Australian's are ageing faster than the advice industry can keep up with.

The population aged 80+ is set to surge over the next decade, and advisers are facing a growing gap between what clients need and what the system can deliver.

These are the key concerns raised by Craig Brooke in The Inside Adviser this morning.

Read the full article on why now more than ever adviser should look beyond superannuation for complementary structures:

insideadviser.com.au