Why AI Can’t Replace Human Financial Planners – And How Mutual Plans Bridges the Gap The rise of artificial intelligence has disrupted industries across the board, and financial services is no exception. From ChatGPT to Google’s Gemini, AI chatbots are increasingly being used by consumers seeking quick financial advice. While this trend presents opportunities for…

The Australian aged care system is set for one of its most significant structural changes in decades, with new residential aged care fee arrangements coming into effect on 1 November 2025. Originally planned for 1 July 2025, the reforms have been delayed to allow providers, regulators, and advisers more time to prepare. For clients considering…

The recent article A Living Legacy: Gifting and Giving in Financial Standard Private Wealth by Kylie Wright rightly highlights the growing desire among clients to see the impact of their wealth during their lifetime. Whether it’s helping adult children buy a home, supporting a loved one through a health journey, or giving back to causes…

The recent introduction of Division 296 legislation marks a fundamental shift in how high-balance superannuation accounts will be taxed in Australia. This rule, which is commonly referred to as the “$3 million super tax,” will affect individuals with total super balances exceeding $3 million by levying an additional 15% tax on certain earnings. While the…

A recent article on FS Advice highlighting the four critical questions advisers should ask before pursuing M&A strikes at the heart of sustainable growth in financial services. While the piece rightly emphasises the importance of strong foundations, systems, and cultural alignment, there’s one crucial element that often gets overlooked in M&A conversations: the scalability of…