- 101 Common Mistakes in Statements of Advice
- 01 – Introduction
- 02 – Compliance – Disclosure
- Fudging on commissions
- Not being clear, concise and effective
- Not declaring referral fees payable
- Not declaring referral fees receivable
- Not including a Product Disclosure Statement in your SOA
- Not separately stating what the adviser’s fee is
- Not using a logical sequence in the SOA
- Not using whole dollar disclosure when disclosing fees and costs
- Not utilising Dover’s Client Information Policy
- Poor presentation of remuneration
- Relying on a PDS (without doing your own research)
- Using jargon that is hard to understand
- 03 – Compliance – General
- Back dating documents
- Inappropriately high fees
- Listing non-assets in the assets column
- Losing (or never having had) the Fact Finder
- Making promises that an adviser can’t keep
- Not considering all the relevant factors when recommending investments
- Not creating records of conversations and other client instructions
- Not issuing a new SOA when the situation warranted it
- Not knowing what you don’t know
- Not saying what you don’t know
- Not setting out the scope of your advice
- One size fits all
- Overstepping the boundary
- Preparing an inadequate Record of Further Advice
- Preparing an SOA for a small investment
- Preparing an unnecessary SOA
- Recommending investments not on the Approved Products List
- Taking forever to create an SOA
- Taking forever to implement the advice
- Using snail mail and hand delivery … and nothing else
- 04 – Compliance – Know your client
- (Mis)Using risk profiling software
- Failing to state why a SMSF suits a client’s circumstances
- Increasing everyone’s amount insured
- Not incorporating the client’s age when considering whether the advice is appropriate
- Not incorporating the client’s gender when considering whether the advice is appropriate
- Not matching the advice to the client profile
- Not taking extra care for elderly clients
- Unwarranted departures from conservative advice
- 05 – Compliance – Product switching
- Not clearly demonstrating why a more costly product has been recommended
- Not clearly saying why an investment product with lower historical returns has been recommended
- Not demonstrating that the new product has been adequately researched
- Not detailing the better expected investment returns in a new product
- Not stating EXACTLY why a switch is being recommended
- Not stating how a new product better meets a client’s risk profile
- Presenting features as benefits when recommending a switch
- 06 – Life insurance
- Being unrealistic when it comes to insurance premiums
- Factoring Centrelink in as a source of income protection for low-income clients
- Not considering industry funds for life insurances
- Not considering life insurance within super
- Not considering whether life insurance should be held within a super fund
- Not ensuring continuity of cover when changing insurance policies
- Not explaining the difference between Agreed Value and Indemnity Policies – and why one has been recommended
- Not explaining the difference between Level and Stepped Premiums – and why one has been recommend over the other
- Not explaining why the more expensive Level Premium has been recommended
- Not recommending any Income Protection Insurance when even a little would do
- Not using the Income-Protection ‘Insurance’ that a client already has
- 07 – Managing the client relationship
- Forgetting to say “What Comes Next”
- Missing the “Sweet Spot”
- Missing the Advice part of the Statement of Advice
- Not addressing the SOA and the invoice to the appropriate recipient
- Not advising the client that (part of) a fee was tax deductible
- Not taking credit where credit is due
- Writing in Legalese. English is better
- 08 – Presentation
- Constantly using the client’s name throughout the SOA
- Incorrect use of colons
- Leaving large amounts of blank space
- MisUsing Capital LETTERS
- Mucking up the tables
- Not being consistent with font-size and colour
- Not double-checking things like the client’s details
- Not editing your tables sufficiently
- Not labelling and then discussing graphs and tables
- Padding out the front of the SOA
- Picking the wrong synonym and other phonetic errors
- Poor presentation
- Poor proofreading
- Poor use of the page
- Talking too much without actually saying anything
- Using graphs with meaningless timeframe’s
- Using hyperlinks that go on forever
- Using pointless graphs
- Using the word ‘Deductable’
- 09 – Strategies
- Diversifying to the point of indexation
- Forgetting that a couple is married when one spouse starts a business
- Ignoring the expensive credit card debt
- Ignoring the Home Loan
- Ignoring the Old Age Pension (or any other Centrelink Benefits)
- Letting the bank advise on debt
- Missing the low-hanging fruit
- Misusing a financial windfall
- Not considering Centrelink-preserving strategies
- Not observing a prudent minimum holding period for growth assets
- Not preparing your client for when (not if) they turn 60
- Not realising that a CGT or stamp duty event may be triggered
- Not recommending a transition to retirement pension
- Not recommending an interest offset account
- Not seeing Centrelink as the asset that it is
- Not telling clients to marry someone older than them
- Not thinking about property (1)
- Not thinking about property (2)
- Not using cash budgets to plan for reducing home loan
- Putting all the eggs in one (legal) person’s basket
- Putting all the eggs in one fund manager’s basket
- Recommending the wrong investment to the wrong client
- Rushing a SMSF gearing strategy
- Taking an SMSF offshore
- Thinking that nothing can be done to help an old aged pensioner
- Using insurance bonds to save for school fees
- 20 – Growth assets in companies?
- 50 Up
- A churning problem
- A partial rebuttal of ASIC’s view
- ASIC’s view of the life insurance market
- Be realistic about your client’s ability to pay
- Centrelink protects low-income clients
- Classify your clients
- Clear, concise, effective, short & affordable SOAs
- Consider industry funds for life insurance
- Consider life insurance in super
- Consider other insurances in super
- Consider your client’s capacity to pay the premium
- Create a great website
- Create a homogenous client base
- Create a strategies based practice
- Demonstrate value before you demand your price
- Dover’s view of the LIF Reforms
- Ensure continuity of cover when changing policies
- How are risk advisers paid?
- How long do life insurance policies last for?
- How the LIF reforms impact practice profitability
- Introduction
- Manage your client’s expectations
- Notice period in income protection policies
- Pay particular attention to the switching rules
- Preach institutional agnosticism
- Recommend doing nothing
- Recommend indemnity values over agreed values
- Recommend stepped premiums
- Recommend three strategies every year
- Risk insurances and superannuation
- Scale down your advice
- Search for that sweetest spot
- The distribution of risk insurance products
- The real commission problem
- The state of play
- The Trowbridge Report
- Understand the problem of lapsing policies
- Understand the under-insurance problem
- What does the best interests duty mean?
- What should risk advisers do now?
- What the LIF reforms mean for risk advisers
- Widen your range of services
- Your common law duty of care
- Your duty to act in the client’s best interests
- Your duty to prioritise client interests
- Your duty to provide appropriate advice
- Your duty to warn your client
- 50 Up Prices Financial Services
- 01 – Practical pricing for practical practices
- 02 – Fees from super funds: it’s in the client’s best interests
- 03 – The history of commissions
- 04 – The present of commissions
- 05 – The future of commissions?
- 06 – Start with the end in mind: selling your business
- 07 – The valuation of renewal commission rights
- 08 – The valuation of financial planning practices
- 09 – The effect of price on profit value and the rest of your life. Part 1: Marginal revenue and practice profits.
- 10 – The effect of price on profit value and the rest of your life. Part 2: Price Elasticity.
- 11 – Work out your hourly rate and your breakeven point
- 12 – Your client value proposition (CVP)
- 13 – Proving your CVP to clients: the first interview
- 14 – Proving your CVP to clients: after the first interview
- 15 – Services you need to provide
- 16 – The role of the institution
- 17 – The advantage of specialisation
- 18 – Don’t do what everyone else does
- 19 – Your pricing options
- 20 – Time based fees: what are they?
- 21 – The advantages and disadvantages of time based fees
- 22 – When time based fees should and should not be used
- 23 – Project based fees: what are they?
- 24 – Advantages and disadvantages of project fees
- 25 – When to use project fees… and when not to
- 26 – FUM based fees: what are they?
- 27 – Advantages and disadvantages of FUM-based fees
- 28 – When FUM-fees should be used… and when they should be avoided
- 29 – Pricing life insurance services
- 30 – Communicating change to your clients
- 31 – The importance of the pilot
- 32 – Courses for horses: scoping your client engagement
- 33 – Use Para-Planning and Tele-Underwriting Services
- 34 – Gaining referrals from your clients
- 35 – Communicating with your clients
- 36 – Referral arrangements with other professionals
- 37 – Why you should never turn down a client (at least until you have met them)
- 38 – Why you need to host the first meeting
- 39 – Demonstrate your competence
- 40 – Tax deductible fee notes
- 41 – Look the part. Part 1. You
- 42 – Look the part. Part 2. Your office
- 43 – Look the part. Part 3. Working from home
- 44 – Look the part. Part 4. Your Online Presence
- 45 – Your client process – ‘onboarding’
- 46 – Preparing your SOA
- 47 – Presenting your SOA
- 48 – Things to talk about: 101 Things financial planning is really about
- 49 – What is an independent financial planner (from the point of view of the financial planner)?
- About The Dover Group
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- Dover’s Client Information Policy
- Everyone’s Best Interests (except the Institutions)
- Feedback
- Fifty Friday Reflections
- 10 steps to capitalising on property advice [ 2012/11/21 ]
- 2015 Mar Week 2 [ 2015/03/13 ]
- 9 core competencies for client success [ 2012/11/14 ]
- A Monday Meditation [ 2015/03/31 ]
- A note on annuities [ 2015/10/30 ]
- A second opinion? A FOS complaint? [ 2015/04/16 ]
- Another good week in compliance [ 2015/04/10 ]
- Are you handling risk insurances? [ 2015/04/16 ]
- Are you ready for a client’s premature death? [ 2013/01/23 ]
- Conservative or not? Classifying clients may not be as straightforward as you think [ 2015/03/19 ]
- Dealing with older clients [ 2015/10/09 ]
- Does commercial property suit your client? [ 2015/09/11 ]
- Dover compliance update [ 2015/02/27 ]
- Dover’s approach to SOA and compliance [ 2015/09/15 ]
- Dover’s rule against share trading [ 2015/05/18 ]
- Financial planning is about gender equity [ 2015/12/04 ]
- Good compliance creates great practices [ 2015/06/05 ]
- Happy and less happy compliance matters [ 2015/05/15 ]
- Has FOFA created a financial planning profession? [ 2013/08/07 ]
- How have homes performed as investments? [ 2015/09/15 ]
- How short SOAs can convert new clients? [ 2012/10/24 ]
- How to build a profitable SMSF practice? [ 2012/12/12 ]
- How to build your practice through tax advice? [ 2012/12/05 ]
- How to fix the underinsurance problem with your clients? [ 2013/02/06 ]
- How to grow your practice through business advice? [ 2012/11/27 ]
- How to make good SOAs even better? [ 2015/03/06 ]
- In a nutshell: building a great fee-for-service financial planning practice [ 2013/02/12 ]
- Intergenerational financial planning strategies [ 2015/11/20 ]
- Introduction: making a good thing even better
- It’s all about financial strategies [ 2015/09/03 ]
- Making a good thing better [ 2015/03/13 ]
- Non-deductible debt management [ 2015/10/16 ]
- Proposed new Life Insurance Framework [ 2015/09/15 ]
- Reverse mortgages [ 2015/09/11 ]
- School fees: the big issue [ 2015/07/29 ]
- Shipping containers in a SMSF? [ 2015/04/16 ]
- Smell the serenity! [ 2015/12/15 ]
- SMSF service and our Vietnam office [ 2015/05/15 ]
- Strategy based SOA [ 2015/09/11 ]
- Tax deductible financial planning advice [ 2015/08/13 ]
- Top 10 tips for building your practice through share advice [ 2013/01/30 ]
- Top 3 tips for building a great SMSF practice [ 2012/10/31 ]
- Upcoming e-book: 101 Common Mistakes in Statements of Advice [ 2015/11/13 ]
- Video explainer / animations [ 2015/10/09 ]
- Watch those asset disposals [ 2015/04/16 ]
- What do shares and property usually earn? Which is best? [ 2015/03/19 ]
- What is your client value proposition? How do you help your clients? [ 2015/08/21 ]
- What’s the most important question you can ask clients? [ 2013/01/15 ]
- Why adviser as a pseudo share broker is a bad idea? [ 2015/03/19 ]
- Why we love change [ 2015/12/10 ]
- Your advice is supposed to be personal [ 2015/10/09 ]
- Fifty ways financial planners save tax
- 01 – Tax is a state of mind
- 02 – Dover’s approach to tax advice
- 03 – The general idea
- 04 – The need for tax warnings in SOAs
- 05 – Dealing with the ATO
- 06 – Tell the truth, and all the truth…
- 07 – Start with the end in mind
- 08 – The small business CGT concessions
- 09 – Business premises
- 10 – The nature of commission income
- 11 – Trusts for business income practices
- 12 – Trusts for other practices
- 13 – Service trusts
- 14 – Tax planning for investments
- 15 – Low or no tax investments
- 16 – The home
- 17 – Franked shares
- 18 – Tax efficient investment structures
- 19 – Integrating your practice & investments
- 21 – Superannuation awareness
- 22 – Super, age 60 is coming
- 23 – Superannuation spouse transfers
- 24 – Start a transition to retirement pension
- 25 – Do a super search for every client
- 26 – Borrowing to pay super contributions
- 27 – Employing related persons
- 28 – Superannuating related persons
- 29 – Start a private pension
- 30 – Redundancy payments
- 31 – Overseas and extended domestic travel
- 32 – Tax deductible cars
- 33 – Self-education costs for financial planners
- 34 – Personal development is not deductible
- 35 – Professional development is deductible
- 36 – The two card trick
- 37 – Working from home
- 38 – Super tax offsets and co-contributions
- 39 – Low dollar value employee gifts
- 40 – Staff uniforms
- 41 – Travel allowances
- 42 – Testamentary trusts
- 43 – Death and taxes
- 44 – Investor or trader?
- 45 – Financing your practice
- 46 – Tax deductible debt
- 47 – Tax efficient fee notes
- 48 – Pre-paying expenses and costs
- 49 – In house gyms
- 50 – Building and depreciation allowances
- Let’s roll
- Financial Planning 101
- 101 Things That Financial Planning Should Be About
- 01 – Introduction
- 02 – Debt Management
- Financial planning is really about… being creative
- Financial planning is really about… consolidating credit card debts
- Financial planning is really about… consolidating private debts onto a home loan
- Financial planning is really about… educating clients about debt (1)
- Financial planning is really about… educating clients about debt (2)
- Financial planning is really about… helping clients avoid common debt management mistakes
- Financial planning is really about… helping clients manage their home loan repayments
- Financial planning is really about… helping clients minimise loan interest
- Financial planning is really about… helping your clients get a lower after-tax interest rate
- Financial planning is really about… interest-offset accounts
- Financial planning is really about… keeping the bankers honest
- Financial planning is really about… managing investment debt
- Financial planning is really about… managing non-deductible debt
- Financial planning is really about… realising debt can be good
- Financial planning is really about… reverse mortgages
- Financial planning is really about… strategies to reduce non-deductible debt
- Financial planning is really about… swapping credit card debt for super
- Financial planning is really about… the interaction of super and paying off a home loan
- 03 – Gender Equality
- Financial planning is really about… gender equity
- Financial planning is really about… addressing gender imbalance in super
- Financial planning is really about… discussing shared bank accounts
- Financial planning is really about… employment advice for young women (1)
- Financial planning is really about… employment advice for young women (2)
- Financial planning is really about… sharing super
- Financial planning is really about… super advice for young women
- 04 – Helping the client in front of you
- Financial planning is NOT really ALL about financial products
- Financial planning is really about… advising on who should own the home
- Financial planning is really about… assisting with a divorce and its aftermath
- Financial planning is really about… bearing bad news
- Financial planning is really about… collaborative consumption
- Financial planning is really about… coming up with good ideas
- Financial planning is really about… consolidating your super
- Financial planning is really about… deferring gratification
- Financial planning is really about… encouraging young women to buy their own homes
- Financial planning is really about… establishing a Power of Attorney
- Financial planning is really about… good ideas
- Financial planning is really about… helping your clients learn
- Financial planning is really about… letting clients see what is possible
- Financial planning is really about… life decisions
- Financial planning is really about… managing your client’s expectations
- Financial planning is really about… maximizing happiness
- Financial planning is really about… other people too
- Financial planning is really about… quality controlling a client’s previous advice
- Financial planning is really about… rationalising car running costs
- Financial planning is really about… reassuring clients
- Financial planning is really about… recommending an SMSF
- Financial planning is really about… recommending that clients give up smoking
- Financial planning is really about… reducing household costs
- Financial planning is really about… suggesting a client see a financial counsellor
- Financial planning is really about… suggesting a co-habitation agreement
- Financial planning is really about… the home
- Financial planning is really about… the old
- Financial planning is really about… the person sitting in front of you
- Financial planning is really about… the young
- Financial planning is really about… what is in it for your client
- 05 – Investment
- Financial planning is really about… a home for every child
- Financial planning is really about… businesses
- Financial planning is really about… buying a home
- Financial planning is really about… considering buying a house purely for investment purposes
- Financial planning is really about… considering co-ownership with friends or siblings
- Financial planning is really about… considering positive gearing
- Financial planning is really about… direct investments
- Financial planning is really about… investing regular amounts over time
- Financial planning is really about… investment structures
- Financial planning is really about… negative gearing
- Financial planning is really about… recommending the clients buy into their employer’s business
- Financial planning is really about… sharing with friends
- Financial planning is really about… suggesting a client ask for a raise
- Financial planning is really about… taking a long term view
- Financial planning is really about… the miracle of compound interest
- Financial planning is really about… the right kind of alternative investments
- 06 – Retirement
- Financial planning is really about… Centrelink’s pension loan scheme (PLS)
- Financial planning is really about… geared super strategies
- Financial planning is really about… home reversion strategies
- Financial planning is really about… industry super funds
- Financial planning is really about… maximising deductible super contributions
- Financial planning is really about… sharing super
- Financial planning is really about… suggesting a client retire gradually
- Financial planning is really about… super
- Financial planning is really about… transitioning to retirement
- 07 – Taxation
- 08 – Your practice
- 09 – Intergenerational financial planning
- Financial planning is really about… considering co-ownership with parents
- Financial planning is really about… considering parental guarantees
- Financial planning is really about… establishing a will creating testamentary trusts
- Financial planning is really about… helping bereaved clients
- Financial planning is really about… helping clients whose child has a disability
- Financial planning is really about… multiple interest offset accounts
- Financial planning is really about… new wills following a second marriage
- Financial planning is really about… parents helping children buy homes
- Financial planning is really about… recommending simple wills
- 10 – Some more great ideas
- Financial planning is really about… giving your clients a vision
- Financial planning is really about… helping clients decide whether and how to take a break from work
- Financial planning is really about… helping clients even when they do not ask
- Financial planning is really about… helping your clients avoid costly mistakes
- Financial planning is really about… prioritising between the mortgage and the super
- Financial planning is really about… using credit cards for good, rather than evil
- 101 Things That Financial Planning Should Be About
- Guide to SMSFs
- Guides and Manuals
- Harmonised SOA Glossary
- Concessional contributions
- Debit Cards
- Dollar Cost Averaging
- Franking
- Interest Offset Savings Account
- Joint tenancy
- Means Testing
- Negative Gearing
- Non-concessional contributions
- Positive Gearing
- Powers of Attorney
- Preservation Age
- Registered Tax Agent
- Rollover
- Salary Sacrifice
- Superannuation Guarantee Contributions
- Tax (financial) adviser
- Tax-Free Component
- Taxable Component
- Testamentary Trusts
- Timing Risk
- Wills
- Wrap Account
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- Hybrid premium
- Indemnity value
- Level premium
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- Ownership of income protection in your superannuation fund
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- SPECIAL COMMENTS ABOUT USING SUPER TO FINANCE YOUR PREMIUMS
- Successful Payment
- The Dover Associate Program
- The Dover Way
- zGlossary
- Part 01 – Introduction
- Part 02 – The Financial Planning Process and Dispute Resolution
- Chapter 01 – The financial planning process
- Chapter 02 – Dispute Resolution
- Chapter 03 – What to do if you receive a complaint
- Chapter 04 – Record Keeping
- Chapter 05 – Anti-money laundering and counter terrorism
- Chapter 06 – The Best Interests Duty
- Chapter 07 – How to talk so clients would listen and listen so clients will talk
- Part 03 – Statements of Advice
- Part 04 – Investing in a business
- Part 05 – Investing in your home
- Chapter 01 – Introduction
- Chapter 02 – Choosing the Family Home
- Chapter 03 – How have homes performed as investments?
- Chapter 04 – Should clients own a home?
- Chapter 05 – What to say to clients? Is there a bubble about to burst?
- Chapter 06 – Other practical matters with home ownership
- Chapter 07 – Gender and Home Ownership
- Chapter 08 – Retirement and the Family Home
- Chapter 09 – IGFP and the family home
- Chapter 10 – Facts and Figures About Home Ownership
- Part 05 – Recommended reading
- Part 06 – Tax planning for financial planners
- Part 07 – Tax efficient investing
- Part 08 – Managed funds or direct investments
- Part 09 – Managing debt
- Chapter 01 – How to manage debt
- Chapter 02 – Forms of finance
- Chapter 03 – Borrowing to invest
- Chapter 04 – Risks and benefits of gearing
- Chapter 05 – Some general thoughts on borrowing
- Chapter 06 – When debt cannot be managed
- Chapter 07 – Debt… some key facts and figures
- Chapter 08 – The Credit Licencing Regime
- Chapter 09 – Managing Student Loans
- Part 09 – Recommended readings
- Part 10 – How to create a fee for service financial planning practice
- Part 11 – The financial planner as a business adviser
- Chapter 01 – Businesses are the best investments
- Chapter 02 – A special case: a financial planning business
- Chapter 03 – Creating a business plan
- Chapter 04 – Choosing a legal structure
- Chapter 05 – Financial, accounting and taxation
- Chapter 06 – Employing staff
- Chapter 07 – Managing time
- Part 11 – Recommended readings
- Part 12 – The financial planner as a property adviser
- Chapter 01 – Introduction
- Chapter 02 – Residential property
- Chapter 03 – Commercial property
- Chapter 04 – Indirect investment in commercial property
- Chapter 05 – Issues connected to co-ownership of a commercial property
- Chapter 06 – What determines the value of an investment property?
- Chapter 07 – Property and taxation
- Part 12 – Recommended readings
- Part 13 – The financial planner as a super adviser
- Chapter 01 – What is super?
- Chapter 02 – Types of super funds
- Chapter 03 – Self-managed super funds (SMSFs)
- Chapter 04 – Limited recourse borrowing in a SMSF
- Chapter 05 – Ending an SMSF
- Chapter 06 – Switching Superannuation Funds
- Chapter 07 – Changes to superannuation in the May 2016 Federal Budget
- Chapter 08 – Superannuation contributions
- Chapter 09 – Investment income within superannuation
- Chapter 10 – Case Study: Clients with low super balances
- Chapter 11 – Case Study: Client with a substantial super balance
- Chapter 12 – The Low-Cost SMSF and how to achieve it
- Part 13 – Recommended readings
- Part 14 – The financial planner as an estate planning adviser
- Chapter 01 – Introduction
- Chapter 02 – Wills
- Chapter 03 – Testamentary trust
- Chapter 04 – Powers of attorney and guardianship
- Chapter 05 – Assets inside of super funds
- Chapter 06 – Estate planning and family law
- Chapter 07 – Death and the family home
- Chapter 08 – The taxation of superannuation death benefits
- Part 14 – Recommended reading
- Part 15 – The financial planner as a tax adviser
- Part 16 – Asset protection for financial planners
- Part 18 – Aged Care
- Part 19 – Legal Entities and Structures
- Part 20 – Direct Shares
- Chapter 01 – Introduction
- Chapter 02 – Why Dover advisers should recommend direct shares (and skip fund managers altogether)
- Chapter 03 – Facts and figures about direct share ownership in Australia
- Chapter 04 – The nuts and bolts. What is a company and what is a share
- Chapter 05 – The Australian share market
- Chapter 06 – Share market returns
- Chapter 07 – Active or passive investing
- Chapter 08 – Direct investment using a passive approach
- Chapter 09 – How to create an index-tracking portfolio
- Chapter 10 – Direct investment using an active approach
- Chapter 11 – Principles of advising clients to buy direct shares
- Chapter 12 – Risk and risk management
- Chapter 13 – How clients should buy or sell shares
- Chapter 14 – SMSFs and shares
- Chapter 15 – Borrowing to invest in shares
- Chapter 16 – How to Recommend Shares
- Chapter 17 – Further information about direct share investment
- Part 21 – Life Insurance
- Chapter 01 – Introduction
- Chapter 02 – Key Concepts in Life Insurance
- Chapter 03 – Life Cover
- Chapter 04 – Trauma cover
- Chapter 05 – Income protection cover
- Chapter 06 – Total and permanent disability (TPD) cover
- Chapter 07 – Business cover
- Chapter 08 – Case studies
- Chapter 10 – Calculating the amount to insure – Death Cover
- Chapter 11 – Calculating the Sum to Insure – TPD
- Chapter 12 – Calculating the Sum to Insure – Income Protection
- Part 22 – Centrelink
- Part 23 – The Future
- April 2016 – Investing Directly in Shares
- April 2017 – The Life Insurance Framework
- August 2016 – Legal Structures and Entities
- August 2017 – Creating a Business Plan
- February 2016 – The Family Home
- February 2017 – ASIC Regulatory Guide RG 175
- July 2016 – ASIC Report 413
- July 2017 – Taxation and superannuation
- June 2016 – Superannuation (Including Self-Managed Superannuation)
- June 2017 – Opening and Closing a Self-Managed Superannuation Fund
- March 2016 – Debt and Debt Management
- March 2017 – Gearing and Investment
- May 2016 – Risk Insurance
- May 2017 – Income Protection Insurance
- My Dover CPD
- November 2016 – Business Advice
- November 2017 – Professional Communication
- October 2016 – Centrelink and Social Security
- October 2017 – IGFP
- Register a New CPD Account
- September 2016 – Estate Planning
- September 2017 – Estate Planning
