Our recent episode on collaborating with other advisers - 'Playing Well With Others' - is one we're really proud of. And in that episode, Nathan and Jordan both mention the eye-opening experience of working with one specific financial adviser in a deeply specialist area.

Well, this week, that adviser - Kathy Havers of Viridian Advisory - is good enough to come on and introduce us and our listeners to some of the many complexities that arise when helping people with additional needs.

From Special Disability Trusts, to Centrelink, to the importance of (good) accountants and lawyers in the process, to the intricacies of guardianship, estate planning and Powers of Attorney - this episode is deep, technical, educational and, surely, useful as hell for all financial advisers out there.

Kathy

Kathy Havers - Viridian Advisory

Kathy Havers | LinkedIn

Nathan:

advice@nathanfradley.com.au

www.nathanfradley.com.au

Jordan:

jordan@planningsolo.com.au

www.planningsolo.com.au

LinkedIn:

Challenge the Standard in Financial Advice (Podcast): Overview | LinkedIn

The information contained in this podcast is general in nature and does not take into account your personal situation. You should consider whether the information is appropriate to your needs, and where appropriate, seek professional advice from a financial adviser.

Jordan and Nathan are both authorised representatives of PlanningSolo Licensing, AFS Licence 526143.

You can now get CPD points for listening to two knuckleheads (and guests!) wax lyrical about financial advice for an hour at a time.

CPD For this Episode: https://quiz.ensombl.com/NATH-26040808-13560001

Thanks again to the team at CPD Check for letting us publish our episodes using their AI-CPD certifying engine. Check out Clayton's episode on the pod for more info.

Is it possible to scale good, quality, personalised financial advice? If it can be done - then how can we do it?

Can we scale the advice without scaling the discovery? How can we find out enough about somebody to know what advice they don't need - and how do we have to charge for that work?

How can you, as a professional adviser, exercise and evidence your professional judgment about what a client needs - while not being bound only to what they want?

Why is an episode on the efficiency of scaling advice to keep it within limits the longest episode we've recorded?

Why are there so many questions? Is it because these knuckleheads have no answers?

Perhaps...

You can now get CPD points for listening to two knuckleheads (and guests!) wax lyrical about financial advice for an hour at a time.

CPD For this Episode: https://quiz.ensombl.com/NATH-26040210-03490001

Thanks again to the team at CPD Check for letting us publish our episodes using their AI-CPD certifying engine. Check out Clayton's episode on the pod for more info.

Nathan:

advice@nathanfradley.com.au

www.nathanfradley.com.au

Jordan:

jordan@planningsolo.com.au

www.planningsolo.com.au

LinkedIn:

Challenge the Standard in Financial Advice (Podcast): Overview | LinkedIn

The information contained in this podcast is general in nature and does not take into account your personal situation. You should consider whether the information is appropriate to your needs, and where appropriate, seek professional advice from a financial adviser.

Jordan and Nathan are both authorised representatives of PlanningSolo Licensing, AFS Licence 526143.

Financial advisers - you've spent your entire working relationship with your clients helping them build their wealth.

How prepared are you to help them make sure it passes to the next generation/s, without triggering the next War of the Roses?

In this week's episode, Jordan and Nathan explore one of the alternatives to the 'traditional' view of estate planning and disputes; 'interdisciplinary collaborations'.

This method, familiar to regular listeners from Jordan discussing it on the divorce side, is a powerful way to help family's properly plan how their estate will play out, minimising acrimony, family ructions and estate annihilation (Zinta's word that we're shamelessly stealing).

It's a broadranging, expansive discussion about this topic and we sincerely hope it helps our listeners think of introducing clients to this option - because after helping them grow their wealth, wouldn't it be great if we could help their family keep it?

Resources

Free Lunch & Learn Webinar - 29th April 2026

Family Inheritance Solutions - website

Collaborative Practice Training

Zinta's Bookk

Zinta

LinkedIn

Nathan:

advice@nathanfradley.com.au

www.nathanfradley.com.au

Jordan:

jordan@planningsolo.com.au

www.planningsolo.com.au

LinkedIn:

Challenge the Standard in Financial Advice (Podcast): Overview | LinkedIn

The information contained in this podcast is general in nature and does not take into account your personal situation. You should consider whether the information is appropriate to your needs, and where appropriate, seek professional advice from a financial adviser.

Jordan and Nathan are both authorised representatives of PlanningSolo Licensing, AFS Licence 526143.

Quick question for you - is the 'old' way of doing fact finding enough in the current financial advice profession?

If it is, great - let us know!

But if you don't think it is, if you think that the bar has been lifted, over and over and over again, then this episode might be for you!

In this weeks meander Jordan and Nathan start to tackle the battle of gathering and evidencing a clients situation to an adequate level for the advice we provide - and what does that even mean?!

Pats Blog - The Trust Canyon

https://patrickflynn.info/trust-canyon/

You can now get CPD points for listening to two knuckleheads (and guests!) wax lyrical about financial advice for an hour at a time.

CPD For this Episode: https://quiz.ensombl.com/NATH-26021111-24240001

Thanks again to the team at CPD Check for letting us publish our episodes using their AI-CPD certifying engine. Check out Clayton's episode on the pod for more info.

Nathan:

advice@nathanfradley.com.au

www.nathanfradley.com.au

Jordan:

jordan@planningsolo.com.au

www.planningsolo.com.au

LinkedIn:

Challenge the Standard in Financial Advice (Podcast): Overview | LinkedIn

The information contained in this podcast is general in nature and does not take into account your personal situation. You should consider whether the information is appropriate to your needs, and where appropriate, seek professional advice from a financial adviser.

Jordan and Nathan are both authorised representatives of PlanningSolo Licensing, AFS Licence 526143.

Financial advice is a fairly solitary pursuit - the burden sits heavy on our individual shoulders.

But, does it necessarily need to be so?

In this week's episode, Nathan and Jordan explore how advisers can, and are, work collaboratively to help meet our clients best interests.

From sharing ideas, discussing cases and referring to specialists within the profession, the opportunity to find the best advice for your client, has never been greater.

But how do we do it? Especially now that we are seeing so much specialisation within advice - what's the 'best' way to bring in other advisers to help your client? How do you put your own concerns, worries and, yes, even ego to the side in the interests of your client.

And what of the mechanics of actually doing it?

It's a fun episode and we can't wait to hear from listeners about how they're fostering collaboration in the world of advice.

Tim Moores Blog: https://moorefinancialadvice.com.au/why-a-well-connected-financial-adviser-matters-more-than-you-think/

You can now get CPD points for listening to two knuckleheads (and guests!) wax lyrical about financial advice for an hour at a time.

CPD For this Episode:

Thanks again to the team at CPD Check for letting us publish our episodes using their AI-CPD certifying engine. Check out Clayton's episode on the pod for more info.

Nathan:

advice@nathanfradley.com.au

www.nathanfradley.com.au

Jordan:

jordan@planningsolo.com.au

www.planningsolo.com.au

LinkedIn:

Challenge the Standard in Financial Advice (Podcast): Overview | LinkedIn

The information contained in this podcast is general in nature and does not take into account your personal situation. You should consider whether the information is appropriate to your needs, and where appropriate, seek professional advice from a financial adviser.

Jordan and Nathan are both authorised representatives of PlanningSolo Licensing, AFS Licence 526143.

Remember QAR? The noise, the fury, the outrage? The column inches, breath and spittle diverted into 'discussing' the Quality of Advice Review?

Would it surprise you to be reminded that the final report dropped way back in February 2023 - 3 years prior to this week's episode?

And, when you look around and see what a big difference it's made (...), isn't it quite astonishing?

This week, prompted by Nathan discovering how funny the report was while researching another piece, he and Jordan discuss the QAR report in some (read: excruciating) detail.

The report's actually a really interesting insight into the operations of the financial advice profession, and well worth a read.

But absolutely stuffed if we can find the Big Lebowski reference.

Links Etc:

Quality of Advice Review - Final Report | Treasury.gov.au

Terms of Reference | Treasury.gov.au

Michelle Levy pens open letter on QAR, urges action - IFA

The Finsider with Michelle Levy

You can now get CPD points for listening to two knuckleheads (and guests!) wax lyrical about financial advice for an hour at a time.

CPD For this Episode:

Thanks again to the team at CPD Check for letting us publish our episodes using their AI-CPD certifying engine. Check out Clayton's episode on the pod for more info.

Nathan:

advice@nathanfradley.com.au

www.nathanfradley.com.au

Jordan:

jordan@planningsolo.com.au

www.planningsolo.com.au

LinkedIn:

Challenge the Standard in Financial Advice (Podcast): Overview | LinkedIn

The information contained in this podcast is general in nature and does not take into account your personal situation. You should consider whether the information is appropriate to your needs, and where appropriate, seek professional advice from a financial adviser.

Jordan and Nathan are both authorised representatives of PlanningSolo Licensing, AFS Licence 526143.

We all know what bad engagement looks like. The shiftiness in the face of the truth, the big sales pitch, over-promises and, sadly, inevitable pain when the truth comes to light.

And we know what good engagement looks like - if I asked you, you could name a handful of advisers doing great work in engaging with the public.

But, what about that space in between?

How big is the gap between good and bad engagement? Why does it matter?

Why, after all, are we all in this race for attention and engagement?

This week, Nathan and Jordan explore this topic in (arguably excruciating and hypocritical) detail, discussing:

• Why advisers need to compete with the unqualified noisemakers out there
• Why it's so important that advisers own the space, instead of ceding it to product providers etc - not just for those of us in it now, but also for the future
• Why the slippery slope of chasing metrics can tempt the best of us to sliding towards the wrong end of the spectrum

And you'll also get to know a little more about the newest character in the CTS universe - Conscience Chicken.

Riding atop Theseus's Train of Trolley Carriages all the way to roost.

(It gets weird)

Nathan:

advice@nathanfradley.com.au

www.nathanfradley.com.au

Jordan:

jordan@planningsolo.com.au

www.planningsolo.com.au

LinkedIn:

Challenge the Standard in Financial Advice (Podcast): Overview | LinkedIn

The information contained in this podcast is general in nature and does not take into account your personal situation. You should consider whether the information is appropriate to your needs, and where appropriate, seek professional advice from a financial adviser.

Jordan and Nathan are both authorised representatives of PlanningSolo Licensing, AFS Licence 526143.

This week, we're joined by Stuart Riddle, of Claras.ai - one of the AI offerings in the financial advice market.

Nathan and Jordan start by asking him about the state of AI in financial advice, and expand into:

• The questions advisers should be asking about AI
• The questions licensees are asking about AI
• How AI can help advisers be more efficient, effective and balanced
• The specific workflows and implementations they've used with Claras, and the difference it's made
• How these AI products actually work

Be sure to stay tuned for Jordan to throw any semblance of integrity and calm out the window and instead become a shameless shill for Claras.ai. It feels, at times, as though you're eavesdropping on a very specific, very irrelevant product support query between a product and it's bumbling user.

Enjoy!

You can now get CPD points for listening to two knuckleheads (and guests!) wax lyrical about financial advice for an hour at a time.

CPD For this Episode: https://quiz.ensombl.com/NATH-26021904-04440001

Thanks again to the team at CPD Check for letting us publish our episodes using their AI-CPD certifying engine. Check out Clayton's episode on the pod for more info.

Stuart:

stuart@claras.ai

www.claras.ai

Nathan:

advice@nathanfradley.com.au

www.nathanfradley.com.au

Jordan:

jordan@planningsolo.com.au

www.planningsolo.com.au

LinkedIn:

Challenge the Standard in Financial Advice (Podcast): Overview | LinkedIn

The information contained in this podcast is general in nature and does not take into account your personal situation. You should consider whether the information is appropriate to your needs, and where appropriate, seek professional advice from a financial adviser.

Jordan and Nathan are both authorised representatives of PlanningSolo Licensing, AFS Licence 526143.