Success: the Byrne-Ing Issue Jennifer Byrne on How Her Vision Shaped Her Career Path and Future

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Success: the Byrne-Ing Issue Jennifer Byrne on How Her Vision Shaped Her Career Path and Future Volume 27 Issue 9 October 2015 $15.00 Success: The Byrne-ing issue Jennifer Byrne on how her vision shaped her career path and future THIS ISSUE: 10thousandgirl program / Insurance premium structures Re-contribution strategy / Congress 2015 / Drawdown risk PP100007614 Help your clients access the wealth from their home, when they need it most. For over 10 years, Homesafe Wealth Release® future. Talk to our team today to find out how has assisted thousands of senior homeowners debt-free equity release can enable your clients with a trusted alternative to ‘downsizing’ or to access the wealth tied up in their homes. going into debt. Homesafe Wealth Release is not a reverse mortgage and protects your Visit www.homesafe.com.au or call us on clients by preserving the remainder of their 1300 306 059 for your home equity, not sold to Homesafe, into the Homesafe Guide for Financial Advisors. CELEBRATING 10 YEARS Homesafe Solutions Pty Ltd (ACN 106 784 918) is a joint venture of Bendigo & Adelaide Bank and Athy Pty Ltd. Terms, conditions & eligibility criteria apply. Available in most metropolitan postcodes in greater Melbourne and Sydney. Contents October 2015 4 CEO message 36 Chapter Events 6 News 38 Centrelink 10 Opinion 39 Directory 12 Reconnecting with women regionally The 10thousandgirl program is improving the fi nancial literacy of women living in regional and remote communities. Catherine Chalker CFP® and Monica Maguire CFP® share their insights with JAYSON FORREST. 14 Success: The Byrne-ing issue Speaking at the FPA Professionals Congress Women in Financial Planning Breakfast, Jennifer Byrne talks to JAYSON FORREST about success and the ways in 14 which she has shaped her own career path and future. 22 Trust, ethics and education UniSuper’s Jack McCartney talks to JAYSON FORREST about what the FPA Professional Practice Program means to the $50 billion superannuation fund. 24 Managing portfolio drawdown risk STEVE ANAGNOS and CAMERON DUNCAN believe planners should reconsider debt and hybrid securities to diversify the downside risk of investment portfolios, and help preserve the capital value of these portfolios. 28 Re-contribution strategy 12 22 CPD MONTHLY: MANSI DESAI outlines the various issues to consider when assessing whether Financial Planning magazine is the offi cial publication of the a re-contribution strategy may be suitable. Financial Planning Association of Australia Limited (ABN 62 054 174 453) www.fpa.asn.au • [email protected] • Level 4, 75 Castlereagh Street, Sydney NSW 2000 Phone 02 9220 4500 • Fax 02 9220 4580 32 Insurance premium structures CPD MONTHLY: RACHEL LEONG explains the types Editor: Jayson Forrest Advertising: David Robertson Locked Bag 2999, Chatswood NSW 2067 T: 02 8484 0613 of insurance premium structures available and the T: 02 8484 0906 M: 0408 242 009 circumstances when they should be recommended. E: [email protected] E: [email protected] Advertising: Suma Donnelly Advertising: Craig Pecar T: 02 8484 0796 T: 02 8484 0978 © Financial Planning Association of Australia Limited. All material published in Financial Planning is copyright. Reproduction in whole or part is prohibited without the written permission of the FPA Chief Executive Offi cer. M: 0416 815 429 M: 0411 955 368 Applications to use material should be made in writing and sent to the Chief Executive Offi cer at the above E: [email protected] E: [email protected] e-mail address. Material published in Financial Planning is of a general nature only and is not intended to be comprehensive nor does it constitute advice. The material should not be relied on without seeking independent professional advice and the Financial Planning Association of Australia Limited is not liable for any loss suffered in connection with the use of such material. Any views expressed in this publication are those of the individual author, except where they are specifi cally stated to be the views of the FPA. All advertising is sourced by Cirrus Media. The FPA does not endorse any products or services advertised in the magazine. References or web links to products or services do not constitute endorsement. Supplied images © 2014 Shutterstock. ISNN 1033-0046 Financial Planning is published by Cirrus Media on behalf of the Financial Planning Association of ABN 80 132 719 861 Average Net Distribution Australia Limited. Period ending Mar ’15 www.cirrusmedia.com.au ® ® 10,640 , CFP and CERTIFIED FINANCIAL PLANNER are certifi cation marks owned outside the U.S. by the Copyright Cirrus Media 2014 Financial Planning Standards Board Ltd. The Financial Planning Association of Australia Limited is the mark’s licensing authority for the CFP marks in Australia, through agreement with the FPSB. October 2015 | 3 CEO Message Catalysts for change We often underestimate just how much we can make a difference. We are catalysts for change, and we have much to be proud of. In thinking about what’s been Project, taking place around A heartfelt thank happening at the FPA, it struck Australia over the next two me that the underlying theme years. The feedback has you to those is change. Whether it’s giving been great so far, and in this back to the community, getting edition, we interview two of our members who got involved in Financial Planning volunteers for more insights into involved in our 15th Week or this year’s FPA the program’s purpose. Professionals Congress, we are We also recently entered into annual Financial affecting change. a partnership with Money magazine, as part of our drive Planning Week. Changing to raise awareness with more perceptions consumers. Through the partnership, we will undertake A heartfelt thank you to those a wide range of activities, members who got involved including a ‘money makeover’ in our 15th annual Financial series that demonstrates real Planning Week. We had an life examples of how FPA extraordinary level of support members have helped clients, from Chapter Chairs who a consumer ‘super makeover’ took part in local radio and event, and ongoing editorial and insights into her life’s story and newspaper opportunities. advertising. This is an exciting also share her tips on navigating A total of 25 members also initiative which will enable us to a satisfying career path. You volunteered their time for Ask reach the readers of Australia’s can catch a sneak preview in an FPA Expert, which generated leading personal fi nance this edition. over 9,000 visitors during magazine. If you haven’t yet booked for Financial Planning Week. Many the Congress, make sure you more supported the campaign Shaping futures don’t miss out. This year, we’re through social media and local taking a revolutionary approach advertising. In this issue, you’ll also fi nd an interview with one of our to our keynote sessions. We In my mind, this campaign gets FPA Professionals Congress recently announced TED Style better and better every year and speakers. We are delighted to ‘Shaping Futures’ sessions and you can read more about the have journalist and broadcaster we’ll shortly be announcing the highlights in this edition. Jennifer Byrne speak at the speakers. Some of you are also Women in Financial Planning Stay tuned! dedicating time to participate breakfast, taking place on in the 10thousandgirl Regional Thursday morning of the Mark Rantall CFP® Women’s Financial Literacy Congress. Jennifer will provide Chief Executive Offi cer 4 | Financial Planning www.fi nancialplanningmagazine.com.au Looking after your clients’ retirement income just got easier. Challenger annuities. Now available via Colonial First State platforms. challenger.com.au/annuitiesviaplatform Challenger’s award-winning lifetime and term annuities are now available via Colonial First State’s FirstChoice and FirstWrap platforms. This makes it easier to provide clients with more choice, and lets you manage their investments more effi ciently. For more information, speak to a Challenger BDM or visit www.challenger.com.au/annuitiesviaplatform Challenger Life Company Limited ABN 44 072 486 938, AFSL 234670 (Challenger Life) issues Challenger Guaranteed Annuity and Challenger Guaranteed Annuity (Liquid Lifetime). Investors should consider the relevant product disclosure statement available at www.challenger.com.au/cfswrap and www.challenger.com.au/cfsfi rstchoice and the appropriateness of the annuity (including any risks) to their circumstances before making an investment decision. The word ‘guaranteed’ means payments are guaranteed from the available assets of Challenger Life’s statutory fund. Challenger Life has appointed Colonial First State Investments Limited ABN 98 002 348 352 AFSL 232 468 (CFS) to perform platform administration services in relation to the annuity products accessible via the FirstChoice platform. CFS is providing platform administration services only and is not issuing, selling, guaranteeing, underwriting, providing custody services, or any other function in relation to the FirstChoice platform annuities. CFS is a subsidiary of the Commonwealth Bank of Australia ABN 48 123 123 124 (the Bank). The Bank and its subsidiaries do not guarantee or underwrite the FirstChoice platform annuities and investments in the FirstChoice annuity products are not liabilities of the Bank or its subsidiaries. CHL2465/FP News Financial Planning Week 2015 Life stage awareness The FPA recently conducted its 15th consecutive Financial Planning Week (24-30 August), with this year’s targeted life stage awareness campaign successfully engaging the appetite of different demographic groups for fi nancial advice. With the spotlight fi rmly engage with Australians by life won’t have enough money to Media blitz focused on the fi nancial stage, with blog content they retire on, giving us specifi c planning profession, the FPA could easily identify with. The blog insights into consumers’ The FPA rolled out an intensive used this year’s Financial provided targeted fi nancial content pain points and how fi nancial media campaign in the lead up Planning Week (24-30 August) for various demographic groups – planners might help alleviate that to, and during, Financial Planning to continue raising awareness spanning from young to mid-life, stress,” Rantall said.
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