Where are all these market changes heading? What does it mean for the broker, but also what impact does it have on clients? The regulators and senior executives on inflated pay packets don’t need to worry about qualifying for a loan, but what about the people that do? Where do they go?

After yet another day of reading uninformed articles from journalists and columnists, it makes me wonder about who actually reads what they are submitting to the market and where they get their information from. It clearly reads as if they have just made assumptions… unusual? Unfortunately not.

Are service standards something that we develop from an early age and make judgements on what is acceptable and not? After experiencing two very different situations in the one day, it got me thinking about when service standards start to become part of our behaviour.

Do clients always need an offset account? Will it always add value or is there an alternative?

As we come into a New Year and many of us are keeping to our New Year’s resolutions regarding our health, wealth and family, it is probably also a great time to consider what helps us generate our wealth. What relationships are critical to improving our wealth and who...