CPD: Portfolio allocations for clients in the ‘real world’

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In his first CPD article for 2014 Ray Griffin examines the need for advisers to stay abreast of economic and market conditions in order to more effectively set portfolio allocations and the vital need to set clients’ expectations in the real world. So you’re back at your desk and starting to wind up for 2014 […]

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CPD: Professional ethics #3

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This is the final in our CPD mini-series on ethical conduct in the financial advice profession. (Click here to see CPD: Professional Ethics #1  and here for CPD: Professional Ethics #2) Bruce and Anna are partners in a financial planning practice with around 180 clients between them. For several years they have been receiving irregular client […]

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CPD: Professional ethics #2

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Welcome to Part 2 of our mini-series on professional ethics in practice in which we’re exploring ethical dilemmas for financial advisers based on real life situations. In Part 2, Ray Griffin sets the scene of an adviser who has backed himself into an ethical dilemma and is faced with serious disclosure issues to clients and […]

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CPD: Professional ethics #1

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Welcome to the first of a 3-part CPD mini-series from AdviserVoice’s Ray Griffin.  In this series Ray focuses on professional ethics and how, in day-to-day practice, you might deal with ethical issues that arise.  At some point – Ray claims – an adviser will be placed in a situation where she will face a dilemma […]

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CPD – Top down asset allocation in 2013 #2

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In Part 1 of his CPD paper on asset allocation modeling, Ray Griffin detailed a step-by-step process to deploying a top down approach to designing balanced client portfolios. In Part 2, he now goes deeper into asset allocation and portfolio risk management but first he outlines stress testing as a means of understanding the impact […]

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Promises, promises…

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A few weeks ago, for some unknown reason, I glanced at the local newspaper’s glossy real estate insertion into the weekend edition. As a small farm dweller for almost twenty years, one ad caught my eye because of the photograph accompanying the pitch. It was a very peaceful scene: a river setting with a gently […]

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CPD – Top down asset allocation in 2013

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Welcome to Part 1 of Ray Griffin’s paper on top down asset allocation modeling. In this 2 part series Ray walks you through the process of developing investment portfolios using a disciplined methodology designed to achieve a return on investment, along with portfolio risk management. At any time asset allocation is centred on the two […]

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CPD: Asset allocation for the 20-teens

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In his last CPD article for 2012, Ray Griffin explains why portfolio asset allocation models in the 20 teens should be substantially different to those of the 1990s and pre-GFC era.  While he argues for change in portfolio allocations he also cites evidence of a key, unchanging, portfolio income fundamental. ‘Change my way of thinking’ […]

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CPD: No seriously, it’s not you–it’s me!

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Welcome to the latest CPD article from Ray Griffin in which he explores what for some is the most difficult thing to do in professional practice – to ‘let a client go’. Ray helps you realise when it’s not working between you and a client and then guides you through the letting go, with a […]

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The importance of managing client expectations

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In his latest article for AdviserVoice, Ray Griffin discusses how certain words can create unrealistic expectations for clients that can only end in disappointment. Ray steps you through the danger zones with some suggestions on how to more carefully set your clients’ expectations. Promises promises! A website can make pretty much anything look good. We’ve […]

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