Education

Just Because You Can: Ethical judgement and professional courage

Compliance tells advisers what they can do. Ethics asks whether they should. This interactive session explores how the Financial Planners and Advisers Code of Ethics requires more than technical compliance –  it requires professional judgement, accountability and the courage to make difficult decisions. Through realistic advice scenarios and progressively complex ethical dilemmas, advisers will consider how client behaviour, commercial pressure, changing facts and competing duties can affect what the “right” answer looks like. The session challenges advisers to look beyond convenience and consider what they would be prepared to explain to clients, peers, regulators and the public.

Key focus areas include:

• Ethical judgement beyond legal compliance
• Trust, consent and client autonomy
• Ethical risk in scoped and efficient advice models
• Disclosure duties when facts change or errors emerge
• Professional courage under client, licensee or commercial pressure
• Applying the core values of trustworthiness, competence, honesty, fairness and diligence
  
  

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The science of conversation: Strengthening client engagement and outcomes

Great advice relies on great communication. This interactive session explores why misunderstandings happen and how advisers can improve clarity, trust and influence in client conversations.

Drawing on behavioural research, learning styles and communication frameworks, advisers gain practical tools to navigate complex discussions — including high-conflict scenarios.

Key focus areas include:

• Framing purpose and value clearly
• Understanding learning and communication styles
• Using body language effectively
• Adapting to personality types
• Managing difficult conversations

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Group insurance: Tips, traps and things to think about

With underwriting becoming more stringent across insurers, this session unpacks how group insurance works within super — including its benefits, limitations and how it compares to retail cover.

Advisers will gain practical insights into positioning insurance for clients with health considerations and building blended strategies that optimise both group and personal insurance solutions.

Key focus areas include:

• Corporate vs personal super insurance structures
• Key group insurance terminology
• Pros and cons of default cover
• Managing pre-existing conditions
• Combining group and retail cover effectively

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Crafting effective nominations: Future-proofing a client’s intentions

Death benefit disputes remain one of the most common and emotionally charged superannuation complaints in Australia. This session explores nomination types, validity requirements and how changing relationships can impact outcomes.

Using real AFCA cases and a recent NSW Supreme Court decision, advisers gain clarity on how disputes arise, how they are contested, and where adviser guidance can make a critical difference in protecting client intentions.

Key focus areas include:

• Nomination structures and common pitfalls
• Defining dependants and interdependencies
• Consequences of invalid or absent nominations
• AFCA dispute processes and outcomes

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Contribution considerations: Smarter strategies for building retirement wealth

This presentation examines how different contribution strategies can accelerate super growth while balancing competing goals such as mortgage reduction and property ownership.

Advisers will explore concessional and non-concessional contributions, tax efficiency opportunities and alternative approaches to wealth accumulation — including how super can play a role in long-term housing outcomes.

Key focus areas include:

• Contribution types and current strategy rules
• First Home Super Savings Scheme
• CGT reduction strategies
• Spouse, downsizer and super-splitting contributions
• Recontribution strategies

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