![](/web/20140516232725im_/http://www.afr.com/rw/AFR/Web/Library/Editorial/Logos/Asset_646x80.jpg)
![Profits test product bias theory](/web/20140516232725im_/http://www.afr.com/rw/2009-2014/AFR/2014/05/06/Photos/6c83172e-d4e8-11e3-a299-e932df4f2047_syd-6d115xgdnl0184c2w3kr--646x363.jpg)
Profits test product bias theory
The often-heard criticism that advice firms licensed to the majors are unknowingly being wedded to sticky products that funnel fees to large corporations ignores the high cost of running a giant.
![Top five skills to keep clients satisfied](/web/20140516232725im_/http://www.afr.com/rf/image/2009-2014/AFR/2014/05/06/Photos/1580051e-d4ec-11e3-a299-e932df4f2047_808394841--236x160.jpg)
Top five skills to keep clients satisfied
The percentage of consumers engaging the services of a financial planner is in decline. Consumers’ needs are not being met – but why?
Policy sows seeds of perception and reaps mistrust
The proposed amendments to FoFA, at an industry level, just can’t come quickly enough.
![An SOA in weeks, not months](/web/20140516232725im_/http://www.afr.com/rf/image/2009-2014/AFR/2014/05/06/Photos/d3c18898-d4e9-11e3-a299-e932df4f2047_760546840--236x160.jpg)
An SOA in weeks, not months
The industry has been slow to catch on to the potential of digital technology to speed up the advice process, but BT has got cracking.
![Advisers neglect forward view](/web/20140516232725im_/http://www.afr.com/rf/image/2009-2014/AFR/2014/05/04/Photos/71f6ecda-d3d0-11e3-864d-6491e1f633cf_syd-5qvq9thh91snu6bif9t-524--236x160.jpg)
Advisers neglect forward view
If advisers talked to clients about the lives they plan for retirement, rather than past returns, the advice process would be more profitable for everyone.
![Early advice key for expats](/web/20140516232725im_/http://www.afr.com/rf/image/2009-2014/AFR/2014/05/06/Photos/935fb062-d4ea-11e3-a299-e932df4f2047_syd-6eytzj37oskyrsr843g--236x160.jpg)
Early advice key for expats
There’s more to an international assignment for your clients than them just hopping on a plane and starting work in another country.