Ensombl Advice Australia

Earn 0.75 CPD here: https://quiz.ensombl.com/CPDC-26041601-47180001 0.25 Technical Competence 0.25 Regulatory Compliance and Consumer Protection 0.25 Client Care and Practice This week, Pat speaks with Colin Jowell, Founder at BillWill. They discuss how BillWill, founded from Colin’s personal experience with his father’s estate, helps advisers bridge the gap between wills and clients’ real lives by providing a white‑label, tech-enabled estate planning and legacy service that leverages open banking, strong security, and emerging AI tools to better support families before and after death. Colin Jowell LinkedIn: https://www.linkedin.com/in/colinjowell/ BillWill Website: https://billwill.com.au/ Discover a world of client engagement: https://ensombl.com/go/20260417-2/ General Disclaimer – https://www.ensombl.com/disclaimer/

Earn 0.25 CPD here: https://quiz.ensombl.com/CPDC-26041506-25190001 0.25 Technical Competence Neil is joined by Alex Zaika, Chief Executive Officer at Global X Australia, as they discuss how Australian ETF investors responded to recent Middle East–driven volatility, highlighting strong net inflows, sector and regional rotations (including oil, defense, Australian and ex‑US equities), muted gold demand despite turmoil, growing interest in crypto, and the emerging “halo” trade focused on AI-related, low‑obsolescence infrastructure assets. Neil Rogan LinkedIn: https://www.linkedin.com/in/roganneil/ Russell Investments Website: https://russellinvestments.com/ Alex Zaika LinkedIn: https://www.linkedin.com/in/alex-zaika-caia-a1a85612/ Global X Australia Website: https://www.globalxetfs.com.au/ General Disclaimer – https://www.ensombl.com/disclaimer/

Earn 0.75 CPD here: https://quiz.ensombl.com/CPDC-26041001-14430001 0.25 Client Care & Practice 0.25 Technical Competence 0.25 Regulatory Compliance and Consumer Protection In this episode, Sacha is joined by Sacha Burchgart, Founder and Managing Director at Burcheart, and Vincent Holland, Co-Founder at Plutosoft. They discuss how advice firms should move beyond the “all-in-one vs tech stack” debate by using a single core advice/CRM platform as the engine of the business, supported by targeted integrations, strong data integrity, and thoughtful change management driven by the team. Sacha Burchgart LinkedIn: https://www.linkedin.com/in/sacha-burchgart-42587939/ Burcheart Website: https://www.burcheart.com.au/ Vincent Holland LinkedIn: https://www.linkedin.com/in/vincent-holland-6b50ab62/ To see how Plutosoft can transform your practice, book a demo: https://ensombl.com/go/20260415-2/ General Disclaimer – https://www.ensombl.com/disclaimer/

Earn 0.50 CPD here: https://quiz.ensombl.com/CPDC-26041001-15270001 0.25 Client Care & Practice 0.25 Technical Competence In this second instalment, Sacha speaks with Chloe Leow, Practice Manager at Byfields Wealth Management, and Leanne Bogoev, Head of Customer Success at Plutosoft. They share practical, psychologically-aware lessons and tips on deciding to switch, migrating to, and successfully embedding a new financial advice CRM system in an advice practice. Leanne Bogoev LinkedIn: https://www.linkedin.com/in/leanne-bogoev-129780291/ Byfields Wealth Management Website: https://byfieldswealth.com.au/ To see how Plutosoft can transform your practice, book a demo: https://ensombl.com/go/20260415-2/ General Disclaimer – https://www.ensombl.com/disclaimer/

Earn 0.75 CPD here: https://quiz.ensombl.com/CPDC-26040923-30460001 0.25 Regulatory Compliance and Consumer Protection 0.25 Client Care & Practice 0.25 Technical Competence As portfolios become increasingly concentrated beneath the surface, host James Whelan is joined by Eric Marais (Orbis Investments) to challenge what genuine diversification really means. They unpack how passive indices and many active funds are heavily exposed to US mega-cap, tech-driven growth themes, creating hidden risks if leadership shifts. Drawing on history and current valuation extremes, the discussion highlights opportunities beyond the obvious—including mid-caps, healthcare, and international markets—while stressing diversification across style, geography, and currency. With a focus on preparation over prediction, this episode helps advisers build portfolios resilient to a wider range of outcomes. Eric Marais LinkedIn: https://www.linkedin.com/in/eric-marais/ Rethinking Genuine Diversification Whitepaper: https://lnkd.in/emQtYVhe Orbis Investments Disclaimer: https://ensombl.com/orbisdisclaimer/ James Whelan LinkedIn: https://www.linkedin.com/in/james-whelan-68146036/ Prepare your clients for a new investing dawn. Discover more: https://ensombl.com/go/20260413-2/ General Disclaimer – https://www.ensombl.com/disclaimer/

Earn 0.75 CPD here: https://quiz.ensombl.com/CPDC-26040901-32320001 0.25 Technical Competence 0.25 Regulatory Compliance and Consumer Protection 0.25 Client Care and Practice In this episode, Patrick speaks with Daniel Donovan, Founder at Alpine Advisory. They discuss how practices can more effectively scale and improve client experience by first fixing and mapping their processes, then applying automation and emerging AI tools (like Claude, Copilot, and Cowork) in targeted, deterministic ways rather than simply hiring more staff or chasing new software. Daniel Donovan LinkedIn: https://www.linkedin.com/in/danieldonovan09/ Alpine Advisory Website: https://www.alpineadvisory.ai/ Discover a world of client engagement: https://ensombl.com/go/20260410-2/ General Disclaimer – https://www.ensombl.com/disclaimer/

Earn 0.75 CPD here: https://quiz.ensombl.com/ENSO-26032704-24130001 0.25 Client Care & Practice 0.25 Technical Competence 0.25 Regulatory Compliance and Consumer Protection In this first episode, Tanya is joined by Terry Dillon, Chief Executive Officer for Shadforth, and Ashton Jones, Director of Customer Innovation at MLC. They discuss how Innovative Retirement Income Solutions (IRIS) and related strategies - such as income layering, managing longevity and sequencing risk, and leveraging age pension concessions - can help advisers design more confident, sustainable retirement income plans for Australian clients. Terry Dillon LinkedIn: https://www.linkedin.com/in/terry-dillon-697116165/ Shadforth Website: https://www.sfg.com.au/ Ashton Jones LinkedIn: https://www.linkedin.com/in/ashjones/ MLC Expand. For more information visit https://ensombl.com/go/20260401-2/ General Disclaimer – https://www.ensombl.com/disclaimer/

Earn 0.75 CPD here: https://quiz.ensombl.com/ENSO-26032704-32100001 0.25 Client Care & Practice 0.25 Technical Competence 0.25 Professionalism and Ethics Tanya speaks with Renee Diver and Amber McGhie from Firefly Financial, and Erica Malliotis, Retirement Specialist at MLC Expand. They discuss how advisers can better explain and use IRIS lifetime income products - alongside account-based pensions and other strategies - to manage longevity, risk, Centrelink benefits, and estate-planning concerns so clients can feel more confident about their retirement income. Renee Diver LinkedIn: https://www.linkedin.com/in/renee-diver-4085456b/ Amber McGhie LinkedIn: https://www.linkedin.com/in/amber-mcghie-37553a1b2/ Firefly Financial Website: https://www.fireflyfinancial.com.au/ Erica Malliotis LinkedIn: https://www.linkedin.com/in/erica-malliotis-11324077/ MLC Expand. For more information visit https://ensombl.com/go/20260401-2/ General Disclaimer – https://www.ensombl.com/disclaimer/

Earn 0.75 CPD here: https://quiz.ensombl.com/ENSO-26033103-18270001 0.25 Client Care & Practice 0.25 Technical Competence 0.25 Regulatory Compliance and Consumer Protection In this instalment, Tanya speaks with Harry Flaskas, Practice Principal at Atlas Wealth Advisory, and Ashton Jones, Director of Customer Innovation at MLC. They discuss how advisers can use retirement income philosophies, income layering, and innovative retirement income solutions (IRIS) alongside traditional products to manage longevity and sequencing risks, optimise Centrelink outcomes, and give clients greater confidence to spend sustainably in retirement. Harry Flaskas LinkedIn: https://www.linkedin.com/in/harry-flaskas-7123a076/ Atlas Wealth Website: https://atlaswealthadvisory.com.au/ Ashton Jones LinkedIn: https://www.linkedin.com/in/ashjones/ MLC Expand. For more information visit https://ensombl.com/go/20260401-2/ General Disclaimer – https://www.ensombl.com/disclaimer/

Earn 1.0 CPD here: https://quiz.ensombl.com/ENSO-26032923-13100001 0.25 Client Care & Practice 0.25 Technical Competence 0.25 Professionalism and Ethics 0.25 Regulatory Compliance and Consumer Protection In this episode, Rocksy speaks with Justin O'Donoghue, Head of Advice Operations and Excellence at Ironbark. They discuss regional advice, outsourcing and offshore teams, technology and AI enablement, values-based client advice, and how to scale high-quality financial planning to tens of thousands of Australian families. Justin O'Donoghue LinkedIn: https://www.linkedin.com/in/justin-o%C2%B4donoghue-25bab637/ Ironbark Website: https://www.ironbarkfg.com.au/ Otter.ai Website: https://otter.ai/ Claras Website: https://claras.ai/ General Disclaimer – https://www.ensombl.com/disclaimer/

Earn 0.75 CPD here: https://quiz.ensombl.com/ENSO-26032700-17180001 0.25 Client Care & Practice 0.25 Technical Competence 0.25 Regulatory Compliance and Consumer Protection In this episode, Ben speaks with Paul Milbourne, Business Protection and Life Insurance Specialist at Milbourne Insurance Solutions. They discuss how and why he left a large firm to build a profitable, referral-driven, risk-only advice business from scratch - covering his costs through upfront commissions, growing rapidly via ideal-client referrals and LinkedIn presence, leveraging strong systems, estate planning and claims advocacy, and emphasising mentorship, deep client relationships, and MDRT-style professional community as the foundation for sustainable growth. Paul Milbourne LinkedIn: https://www.linkedin.com/in/paulmilbourne1/ Milbourne Insurance Solutions Website: https://www.milbourne.com.au/ MDRT: https://globalconference.mdrt.org/ Marc Fabris: https://point1.com.au/ Visit The Adviser Portal and partner with Zurich and OnePath today: https://ensombl.com/go/20260330-2/ General Disclaimer – https://www.ensombl.com/disclaimer/

Earn 0.75 CPD here: https://quiz.ensombl.com/ENSO-26032602-23060001 0.25 Technical Competence 0.25 Regulatory Compliance and Consumer Protection 0.25 Client Care and Practice This week, Pat is joined by Mark Zaglas, CEO and Director at Encore Advisory Group. They explore how leadership, operating models, and AI-driven technology are reshaping advice firms through the “Big Six” trends for 2026, covering the rise of the COTO role, rebuilding sales engines, adviser mobility, evolving value propositions, emerging conflicts of interest, and the execution gap between knowing and doing. Mark Zaglas LinkedIn: https://www.linkedin.com/in/mark-zaglas/ Encore Advisory Website: https://www.encoreadvisorygroup.com.au/ Between Meetings with Matt Heine – Discover a podcast for wealth professionals: https://ensombl.com/go/20260327-2/ General Disclaimer – https://www.ensombl.com/disclaimer/

Earn 1.0 CPD here: https://quiz.ensombl.com/ENSO-26032223-39010001 0.25 Technical Competence 0.25 Client Care and Practice 0.25 Regulatory Compliance & Consumer Protection 0.25 Professionalism and Ethics In this episode, Rocksy is joined by Matt Lawler, CEO of Akumin. They discuss his journey from growing up around advice to leading Akumin’s spin-out from AMP, industry reforms, growth and efficiency (including AI), adviser capacity and talent shortages, licensee myths, and Akumin’s shift toward adviser-owned, nationally scaled, “freedom within a framework” advice businesses. Matt Lawler LinkedIn: https://www.linkedin.com/in/matt-lawler/ Akumin Website: https://akumin.com.au/ Explore the road less travelled at https://ensombl.com/go/20260324 General Disclaimer – https://www.ensombl.com/disclaimer/

Earn 0.75 CPD here: https://quiz.ensombl.com/ENSO-26032000-04430001 0.25 Client Care & Practice 0.25 Technical Competence 0.25 Regulatory Compliance and Consumer Protection This week, Ben is joined by Mitch Ramsbotham, Head of Growth and Strategy at Coastal Advisory Australia. They discuss how Coastal Advisory Australia has built a fast‑growing, multi‑disciplinary financial advice business with a dedicated, methodical life insurance (risk) capability at its core, using specialisation, internal referral systems, technology and acquisitions to drive scalable growth and intergenerational client relationships. Mitch Ramsbotham LinkedIn: https://www.linkedin.com/in/mitchell-ramsbotham-04122812/ Coastal Advisory Australia Website: https://coastaladvisory.com.au/ Visit The Adviser Portal and partner with Zurich and OnePath today: https://ensombl.com/go/20260323 General Disclaimer – https://www.ensombl.com/disclaimer/

Earn 0.50 CPD here: https://quiz.ensombl.com/ENSO-26031722-58400001 0.25 Technical Competence 0.25 Client Care and Practice Jesse is the Retirement Engagement Leader and Senior Product Owner at Aware Super. He and James discuss the key insights from Aware Super’s retirement study, exploring why many Australians struggle to look forward to and plan for retirement, how uncertainty and life events shape decisions (including early retirement), and the crucial roles of safety, security, and shifting financial priorities in helping people retire with confidence. Jesse Oey LinkedIn: https://www.linkedin.com/in/jesseoey/ Aware Super Website: https://aware.com.au/ Ensombl Progress is a professional development membership for advisers who want momentum and implementation - not just ideas - with protected time and peer accountability to turn key initiatives into visible progress. Learn more at https://ensombl.com/membership/ General Disclaimer – https://www.ensombl.com/disclaimer/

Earn 1.0 CPD here: https://quiz.ensombl.com/ENSO-26031600-00560001 0.50 Client Care & Practice 0.25 Technical Competence 0.25 Professionalism and Ethics In this episode, Rocksy speaks with Ryan Watson, CEO and founder of Tribeca Financial. They discuss his personal journey into advice and the building of Tribeca Financial, its client-centric philosophy, “tribe” culture, four-day workweek, diamond team structure, growth ambitions to 5,000 client families, and employee ownership model as a pathway for talented advisers and staff. Ryan Watson LinkedIn: https://www.linkedin.com/in/r-watson/ Tribeca Financial Website: https://www.tribecafinancial.com.au/ Ensombl Progress is a professional development membership for advisers who want momentum and implementation - not just ideas - with protected time and peer accountability to turn key initiatives into visible progress. Learn more at https://ensombl.com/membership/ General Disclaimer – https://www.ensombl.com/disclaimer/

Earn 0.75 CPD here: https://quiz.ensombl.com/ENSO-26031304-04190001 0.25 Client Care & Practice 0.25 Technical Competence 0.25 Regulatory Compliance and Consumer Protection In this episode, Ben speaks with Jake Reus, CEO and Head of Financial Advice at Bob Reus & Co. They discuss how a multi-service financial advice firm can embed life insurance into holistic client relationships, using structured philosophies, motivational conversations (CAMS), team training, and process design to improve client protection, business performance, and adviser capability. Jake Reus LinkedIn: https://www.linkedin.com/in/jakereus/ Bob Reus & Co Website: https://reus.com.au/ CAMS: https://ensombl.com/app/uploads/2026/03/CAMS_AAA_Branded_Deck.pptx Reus Insurance Philosophy: https://ensombl.com/app/uploads/2026/03/reus-Insurance-Philosophy.docx Visit The Adviser Portal and partner with Zurich and OnePath today: https://ensombl.com/go/20260316 General Disclaimer – https://www.ensombl.com/disclaimer/

Earn 0.75 CPD here: https://quiz.ensombl.com/ENSO-26031202-02180001 0.25 Technical Competence 0.25 Regulatory Compliance and Consumer Protection 0.25 Client Care and Practice In this episode, Pat speaks with Eloise Somerford and Julia Vojkovic from 3Lines. They explore how 3Lines Group’s AI-driven compliance tools -particularly their “Regi” suite (chat, reviews, and vets) - are evolving to help AFSL licensees centralise compliance, enhance advice reviews and pre-vetting, and integrate AI into workflows without replacing human judgment. Eloise Somerford LinkedIn: https://www.linkedin.com/in/eloise-somerford-467aab47/ Julia Vojkovic LinkedIn: https://www.linkedin.com/in/julia-vojkovic-708563114/ 3Lines Website: https://www.3lines.com.au/ Founder Wins and Losses Article: https://www.linkedin.com/pulse/founder-wins-losses-building-regireviews-one-week-time-julia-vojkovic-8gxxc/ Between Meetings with Matt Heine – Discover a podcast for wealth professionals: https://ensombl.com/go/20260313 General Disclaimer – https://www.ensombl.com/disclaimer/

Earn 1.0 CPD here: https://quiz.ensombl.com/ENSO-26030823-50550001 0.25 Client Care & Practice 0.25 Technical Competence 0.25 Professionalism and Ethics 0.25 Regulatory Compliance and Consumer Protection This week, Rocksy is joined by Alex McMillan, Managing Director at Seedli. They discuss the origins and philosophy of his firm, its focus on young wealth accumulators, tech stack and corporate growth strategy, and how he builds culture, processes, and client value in a modern advice practice. Alex McMillan LinkedIn: https://www.linkedin.com/in/alex-mcmillan-seedli/ Seedli Website: https://seedli.com.au/ Flux Website: https://www.flux.finance/ Ensombl Progress is a professional development membership for advisers who want momentum and implementation - not just ideas - with protected time and peer accountability to turn key initiatives into visible progress. Learn more at https://ensombl.com/membership/ General Disclaimer – https://www.ensombl.com/disclaimer/

Earn 0.75 CPD here: https://quiz.ensombl.com/ENSO-26030523-03540001 0.25 Client Care & Practice 0.25 Technical Competence 0.25 Regulatory Compliance and Consumer Protection In this episode, Ben talks with Aaron Zol, Head of Business and Insurance Advice Growth at Entireti. They discuss his fifteen year journey across major institutions and licensees and his new role building Entireti Life’s insurance capability to lift adviser capacity, simplify processes, partner with insurers and claims specialists, and meaningfully increase life insurance coverage for Australians. Aaron Zol LinkedIn: https://www.linkedin.com/in/aaron-zol-b8a56670/ Entireti Website: https://entireti.com.au/ Integrity Resolutions Website: https://integrityresolutions.com.au/ Visit The Adviser Portal and partner with Zurich and OnePath today: https://ensombl.com/go/20260309 General Disclaimer – https://www.ensombl.com/disclaimer/