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The Looming Death Of Commissions For Financial Planners In Australia
With the compulsory transition to fee for service pricing in the financial planning profession by 2012, many commission-based financial planners are left wondering how they will make the switch to fee-for-service. Commentators in the industry have focused on the difficulties that planners will face in the logistics of making this transition, but what about the impact on clients?
When our firm decided to offer fee for service financial planning it was because we felt that it provided a greater level of holistic services to our clients, plus enabled us to provide a more technical level of financial planning based on strategy and with less bias on recommending products in order to get paid. Becoming fee for service allowed us to focus more on the needs of our client, and gave us the freedom to give advice in more grassroots areas of financial planning such as budgeting – something which we did under a commissions-based model but we didn't get paid for this advice.
We have noticed however, a real resistance in the Australian consumer to the fee for service model. Whilst it is true that the well-informed client comes to us specifically to seek fee for service advice because they believe it is better, there seems to be a large proportion of clients who have become so used to the commissions model, that when faced with the prospect of paying their financial adviser for their advice many baulk at the prospect. Whilst it's true that the commission-model client ends up paying more in premiums etc to cover the cost of the commission to their adviser, there is something more challenging in the prospect physically handing over your own money to pay for advice. In the lead up to the fee for service transition in 2012 this poses some concerns.
In a recent study conducted by GESB, they found that 44% of Australians believe that a five-year financial plan should cost less than $500. When you consider that the time it takes for a financial planner to meet with a client, research and formulate a financial plan, write a financial plan, then consult and implement that plan is as a minimum 8 hours work that is well below what a financial planner could possibly afford to charge if they want to stay in business!
Why is it that many Australians aren't prepared to pay a reasonable sum for financial planning advice? Perhaps it is because the true cost of advice has been hidden from consumers by commissions for so many years.
With the profession transitioning to fee for service by 2012 this raises a concerning issue. Unless consumers change their stance toward paying a realistic amount for the cost of a financial plan, we believe there will be a significant decline in the number of people who will seek professional financial advice. This is of course worrying for the viability of the financial planning profession, but of greater concern is the prospect that the overwhelming majority of Australians will not have a financial planner to help them.
For more information on fee for service financial planning and free ebooks and articles, visit our website http://www.financial-planner.com.au
About the Author
Financial Spectrum is a privately owned fee for service financial planning firm based in Sydney, Australia. To find out more about us, visit our website: http://www.financialspectrum.com.au
How does one find a honest, trustworthy financial manager if one was to say win the lottery?
If I were to win the lottery or come into a huge amount of money say 5 million plus dollars. How would I find a trustworthy financial manager? I have heard so many horror stories of people wasting or losing lottery winnings do to poor management. I think this is a fair question for someone not use to managing large amounts of money. *Serious answers only please.
The best thing to do is contact a lawyer at a reputable law firm that specializes in trust and estate planning. This lawyer will be able to refer you to a reputable family office. Many wealth people have their money managed through a family office. So between your attorney and family office, they will collaborate to understand your financial situation, risk tolerance and investment goals in order to develop a customized financial plan tailored to your needs.
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