{"id":14520,"date":"2019-07-03T10:59:28","date_gmt":"2019-07-03T00:59:28","guid":{"rendered":"https:\/\/www.prosolution.com.au\/?p=14520"},"modified":"2021-08-25T11:58:32","modified_gmt":"2021-08-25T01:58:32","slug":"why-i-reject-clients","status":"publish","type":"post","link":"https:\/\/wealthcoach.com.au\/stage\/why-i-reject-clients\/","title":{"rendered":"Why I reject potential clients\u2026 and some important lessons"},"content":{"rendered":"<p><img loading=\"lazy\" decoding=\"async\" data-attachment-id=\"14519\" data-permalink=\"https:\/\/wealthcoach.com.au\/stage\/why-i-reject-clients\/not-ready-for-advice-email\/\" data-orig-file=\"https:\/\/i0.wp.com\/wealthcoach.com.au\/stage\/wp-content\/uploads\/2019\/07\/Not-ready-for-advice-Email.png?fit=1000%2C250&amp;ssl=1\" data-orig-size=\"1000,250\" data-comments-opened=\"0\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"Not ready for advice- Email\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/wealthcoach.com.au\/stage\/wp-content\/uploads\/2019\/07\/Not-ready-for-advice-Email.png?fit=300%2C75&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/wealthcoach.com.au\/stage\/wp-content\/uploads\/2019\/07\/Not-ready-for-advice-Email.png?fit=1000%2C250&amp;ssl=1\" class=\"aligncenter size-full wp-image-14519\" src=\"https:\/\/i0.wp.com\/wealthcoach.com.au\/stage\/wp-content\/uploads\/2019\/07\/Not-ready-for-advice-Email.png?resize=1000%2C250&#038;ssl=1\" alt=\"tailored advice\" width=\"1000\" height=\"250\" srcset=\"https:\/\/i0.wp.com\/wealthcoach.com.au\/stage\/wp-content\/uploads\/2019\/07\/Not-ready-for-advice-Email.png?w=1000&amp;ssl=1 1000w, https:\/\/i0.wp.com\/wealthcoach.com.au\/stage\/wp-content\/uploads\/2019\/07\/Not-ready-for-advice-Email.png?resize=300%2C75&amp;ssl=1 300w, https:\/\/i0.wp.com\/wealthcoach.com.au\/stage\/wp-content\/uploads\/2019\/07\/Not-ready-for-advice-Email.png?resize=768%2C192&amp;ssl=1 768w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" data-recalc-dims=\"1\" \/><\/p>\n<p>I say \u201cno\u201d more often than I say \u201cyes\u201d. That is, I decline or defer the opportunity to work with more people than I agree to work with because, ultimately, I think it\u2019s in their best interest. Not everyone is ready for tailored financial advice for lots of reasons as I discuss below.<\/p>\n<h3>Products are easy to sell, tailored advice is not<\/h3>\n<p>It\u2019s very easy to buy a financial advice <em>\u2018product\u2019<\/em> &#8211; for example, many businesses market &#8216;property investment plans&#8217;. But it\u2019s much harder to buy tailored advice. A product has a clear deliverable e.g. here\u2019s an example of a property plan. You know exactly what you will receive and what the advice is likely to look like.<\/p>\n<p>However, with tailored advice, the deliverable is less certain. Because until I do the work (i.e. formulate the strategy), I don\u2019t know what the advice will look like. Maybe it involves super, shares, property or a combination of all three? I might have a hunch, but I won\u2019t know for sure \u2013 because that\u2019s what you are paying me for. That is, to:<\/p>\n<ul>\n<li>not have a premeditated idea of what your strategy should or shouldn\u2019t include (these often exist due to a vested interest); and<\/li>\n<li>to clarify something that is currently unclear e.g. what is the best strategy to fund retirement. If you or I already knew the answer to this question, I wouldn\u2019t need to do any work.<\/li>\n<\/ul>\n<p>However, selling a product is scalable and some businesses do very well out of it. A product is a systemised way of generating financial advice. The business doesn\u2019t need to hire experienced advisors \u2013 as the \u2018system\u2019 will do all the work. Whereas there is only one Stuart Wemyss (thankfully, I hear some people think). So, my advice is not scalable. But that\u2019s fine because that\u2019s what my clients are paying me for \u2013 my experience and professional advice specifically tailored for their situation.<\/p>\n<p>Financial \u2018products\u2019 often offer limited value because they aren\u2019t completely tailored to meet a specific client\u2019s situation. I can design a great property portfolio and prepare some cash flow projections but that doesn\u2019t mean it will suit everyone. How does the property integrate with your other assets such as super? What about debt management (you don\u2019t want to take a lot of debt into retirement)? What about existing assets and cash flow?<\/p>\n<p>If you are seeking advice from a professional, its important to ask yourself whether you are buying a product or tailored advice. Buying tailored advice means you need to put faith and trust in the person that is advising you \u2013 and that can be a difficult decision. Just because it\u2019s easier for you to buy (and someone to sell) a product, doesn\u2019t mean it\u2019s worthwhile.<\/p>\n<p>But not everyone is ready for tailored advice. Here is a list of reasons that I decline or defer to work with prospective clients.<\/p>\n<h3>Lack of cash flow surplus<\/h3>\n<p>A prospective client must have surplus cash flow to invest. It is normally impossible to develop a retirement strategy without it.<\/p>\n<p>Surplus cash flow refers to the situation where your expenses and commitments are less than your income i.e. you have monies left over every fortnight or month. If you are spending all your income, there is not much I can do for you as a financial advisor (other than counsel you to reduce your spending).<\/p>\n<p>Generally, a prospective client needs to have a minimum surplus cash of over $3,000 per month to justify paying for advice.<\/p>\n<p>Building wealth when you have a young family is very challenging because your income is typically unusually low (either or both parents are not working as much) and your expenses are unusually high (childcare is often more expensive than private school fees!). I discussed this challenge in <a href=\"https:\/\/wealthcoach.com.au\/stage\/typical-investment-strategy-life-cycle\/\" target=\"_blank\" rel=\"noopener noreferrer\">this video<\/a> previously. If you are in this situation, you might be better off waiting until all your children are in primary school before you consider developing a plan.<\/p>\n<h3>Too much debt<\/h3>\n<p>Some people have a lot of debt and it is obvious to me that they should be directing 100% of their surplus cash flow towards repaying and reducing debt \u2013 not forever \u2013 but at least for now. In this situation, I would typically suggest that person focus on debt reduction and come back in 2 to 3 years\u2019 time. This will demonstrate that they have the financial discipline to consistently direct surplus cash flow towards improving their financial position.<\/p>\n<h3>Too much uncertainty<\/h3>\n<p>Some level of uncertainty is almost always present, and we must plan around it. However, sometimes clients are contemplating substantial changes such as moving overseas, change in income or occupation, potential redundancy and so on.<\/p>\n<p>When faced with uncertainty, I typically tell clients to wait \u2013 even if it\u2019s one or two years \u2013 as the uncertainty will usually disappear. There\u2019s no point investing time and money now to develop a plan if your situation will materially change in 12 months\u2019 time and we might have to redo the plan. I appreciate that having a plan creates more clarity and therefore more certainty. But that\u2019s more of an emotional driver than a practical one. My job is to put emotion to the side and advise you on the best practical path.<\/p>\n<h3>Borrowing capacity<\/h3>\n<p>Not all financial strategies involve borrowing to invest (in shares or property). However, for people in their early 50\u2019s or younger, many strategies will involve some level of gearing (borrowings). So, if you currently don\u2019t have any borrowing capacity (or I don\u2019t think it\u2019s prudent for you to borrow now), then perhaps its best to wait until you do. That is assuming we expect your borrowing capacity to improve in the coming months or years.<\/p>\n<h3>Not suited or aligned to work together (e.g. to property or strategy).<\/h3>\n<p>Firstly, I have a very clear and disciplined investment methodology and philosophy that I always follow (as outlined in <a href=\"http:\/\/investopoly.com.au\/\" target=\"_blank\" rel=\"noopener noreferrer\"><em>Investopoly<\/em><\/a>). I don\u2019t believe we need to speculate with our money. Instead, we should only invest if there\u2019s an overwhelming amount of evidence that demonstrates we\u2019ll be successful (that\u2019s called evidence-based investing). As such, my clients and I must be aligned with these methodologies and philosophies. There\u2019s no point working with a client that holds philosophically competing views.<\/p>\n<p>Secondly, I must be totally confident that I can add value \u2013 way more than what I might charge in fees. For example, if a prospective client is a property developer (or wants to get into property developing), I tell them I\u2019m not the best advisor for them. They should find someone that can add value to that process \u2013 someone that has more experience in property development than I do. Similarly, if I feel the person is already on the right track or there\u2019s limited ability for me to add value, I will not take them on as a client.<\/p>\n<h3>Quality advise is not scalable<\/h3>\n<p>I believe that quality advice is not scalable because it requires part <em>science<\/em> and part <em>art<\/em>. The <em>science<\/em> portion is the financial analysis, tax knowledge, proven investment strategy and so on. In a way, that\u2019s the easy bit and <em>is<\/em> scalable. The <em>art<\/em> portion is derived from many years of experience \u2013 knowing what will work and won\u2019t, problems with implementation, likely changes in the future we need to accommodate and so on. Experience is personal and difficult to scale or replicate. I believe the most valuable thing I offer my clients is my 20 years of experience \u2013 they will learn from all the mistakes and successes that I have seen professionally and made personally. That is the <em>art<\/em> portion.<\/p>\n   ","protected":false},"excerpt":{"rendered":"<p>I say \u201cno\u201d more often than I say \u201cyes\u201d. That is, I decline or defer the opportunity to work with more people than I agree to work with because, ultimately,&#8230;<\/p>\n","protected":false},"author":4,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_exactmetrics_skip_tracking":false,"_exactmetrics_sitenote_active":false,"_exactmetrics_sitenote_note":"","_exactmetrics_sitenote_category":0,"__cvm_playback_settings":[],"__cvm_video_id":"","_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"footnotes":""},"categories":[30],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v21.9 (Yoast SEO v21.9.1) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Why I reject potential clients\u2026 and some important lessons<\/title>\n<meta name=\"description\" content=\"Not everyone should pay for tailored advice. Sometimes people aren&#039;t ready or suited. I discuss the top 5 reasons I reject or derfer potential clients.\" \/>\n<meta name=\"robots\" content=\"noindex, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Why I reject potential clients\u2026 and some important lessons\" \/>\n<meta property=\"og:description\" content=\"Not everyone should pay for tailored advice. Sometimes people aren&#039;t ready or suited. I discuss the top 5 reasons I reject or derfer potential clients.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/wealthcoach.com.au\/stage\/why-i-reject-clients\/\" \/>\n<meta property=\"og:site_name\" content=\"Prosolution Private Clients\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/ProSolutionPrivateClients\/\" \/>\n<meta property=\"article:published_time\" content=\"2019-07-03T00:59:28+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2021-08-25T01:58:32+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/wealthcoach.com.au\/stage\/wp-content\/uploads\/2019\/07\/Not-ready-for-advice-Email.png\" \/>\n<meta name=\"author\" content=\"Stuart Wemyss\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@StuartWemyss\" \/>\n<meta name=\"twitter:site\" content=\"@StuartWemyss\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Stuart Wemyss\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"6 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/wealthcoach.com.au\/stage\/why-i-reject-clients\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/wealthcoach.com.au\/stage\/why-i-reject-clients\/\"},\"author\":{\"name\":\"Stuart Wemyss\",\"@id\":\"https:\/\/wealthcoach.com.au\/stage\/#\/schema\/person\/c3aa63480e5d77a56fbd3f70e41b9ce8\"},\"headline\":\"Why I reject potential clients\u2026 and some important lessons\",\"datePublished\":\"2019-07-03T00:59:28+00:00\",\"dateModified\":\"2021-08-25T01:58:32+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/wealthcoach.com.au\/stage\/why-i-reject-clients\/\"},\"wordCount\":1301,\"publisher\":{\"@id\":\"https:\/\/wealthcoach.com.au\/stage\/#organization\"},\"articleSection\":[\"Financial Planning\"],\"inLanguage\":\"en-AU\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/wealthcoach.com.au\/stage\/why-i-reject-clients\/\",\"url\":\"https:\/\/wealthcoach.com.au\/stage\/why-i-reject-clients\/\",\"name\":\"Why I reject potential clients\u2026 and some important lessons\",\"isPartOf\":{\"@id\":\"https:\/\/wealthcoach.com.au\/stage\/#website\"},\"datePublished\":\"2019-07-03T00:59:28+00:00\",\"dateModified\":\"2021-08-25T01:58:32+00:00\",\"description\":\"Not everyone should pay for tailored advice. Sometimes people aren't ready or suited. I discuss the top 5 reasons I reject or derfer potential clients.\",\"breadcrumb\":{\"@id\":\"https:\/\/wealthcoach.com.au\/stage\/why-i-reject-clients\/#breadcrumb\"},\"inLanguage\":\"en-AU\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/wealthcoach.com.au\/stage\/why-i-reject-clients\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/wealthcoach.com.au\/stage\/why-i-reject-clients\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/wealthcoach.com.au\/stage\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Why I reject potential clients\u2026 and some important lessons\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/wealthcoach.com.au\/stage\/#website\",\"url\":\"https:\/\/wealthcoach.com.au\/stage\/\",\"name\":\"ProSolution Private Clients\",\"description\":\"Holistic Financial Services\",\"publisher\":{\"@id\":\"https:\/\/wealthcoach.com.au\/stage\/#organization\"},\"alternateName\":\"ProSolution\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/wealthcoach.com.au\/stage\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"en-AU\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/wealthcoach.com.au\/stage\/#organization\",\"name\":\"ProSolution Private Clients\",\"url\":\"https:\/\/wealthcoach.com.au\/stage\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-AU\",\"@id\":\"https:\/\/wealthcoach.com.au\/stage\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/i0.wp.com\/www.prosolution.com.au\/wp-content\/uploads\/2016\/02\/ProSolution-logo-new-1-580x160-300x83.png?fit=300%2C83&ssl=1\",\"contentUrl\":\"https:\/\/i0.wp.com\/www.prosolution.com.au\/wp-content\/uploads\/2016\/02\/ProSolution-logo-new-1-580x160-300x83.png?fit=300%2C83&ssl=1\",\"width\":300,\"height\":83,\"caption\":\"ProSolution Private Clients\"},\"image\":{\"@id\":\"https:\/\/wealthcoach.com.au\/stage\/#\/schema\/logo\/image\/\"},\"sameAs\":[\"https:\/\/www.facebook.com\/ProSolutionPrivateClients\/\",\"https:\/\/twitter.com\/StuartWemyss\",\"https:\/\/www.linkedin.com\/in\/stuartwemyss\/\"]},{\"@type\":\"Person\",\"@id\":\"https:\/\/wealthcoach.com.au\/stage\/#\/schema\/person\/c3aa63480e5d77a56fbd3f70e41b9ce8\",\"name\":\"Stuart Wemyss\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-AU\",\"@id\":\"https:\/\/wealthcoach.com.au\/stage\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/ae5c5d8e27329e215a9779262143f501?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/ae5c5d8e27329e215a9779262143f501?s=96&d=mm&r=g\",\"caption\":\"Stuart Wemyss\"},\"sameAs\":[\"http:\/\/www.prosolution.com.au\"],\"url\":\"https:\/\/wealthcoach.com.au\/stage\/author\/swemyss\/\"}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"Why I reject potential clients\u2026 and some important lessons","description":"Not everyone should pay for tailored advice. Sometimes people aren't ready or suited. I discuss the top 5 reasons I reject or derfer potential clients.","robots":{"index":"noindex","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"og_locale":"en_US","og_type":"article","og_title":"Why I reject potential clients\u2026 and some important lessons","og_description":"Not everyone should pay for tailored advice. Sometimes people aren't ready or suited. I discuss the top 5 reasons I reject or derfer potential clients.","og_url":"https:\/\/wealthcoach.com.au\/stage\/why-i-reject-clients\/","og_site_name":"Prosolution Private Clients","article_publisher":"https:\/\/www.facebook.com\/ProSolutionPrivateClients\/","article_published_time":"2019-07-03T00:59:28+00:00","article_modified_time":"2021-08-25T01:58:32+00:00","og_image":[{"url":"https:\/\/wealthcoach.com.au\/stage\/wp-content\/uploads\/2019\/07\/Not-ready-for-advice-Email.png"}],"author":"Stuart Wemyss","twitter_card":"summary_large_image","twitter_creator":"@StuartWemyss","twitter_site":"@StuartWemyss","twitter_misc":{"Written by":"Stuart Wemyss","Est. reading time":"6 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/wealthcoach.com.au\/stage\/why-i-reject-clients\/#article","isPartOf":{"@id":"https:\/\/wealthcoach.com.au\/stage\/why-i-reject-clients\/"},"author":{"name":"Stuart Wemyss","@id":"https:\/\/wealthcoach.com.au\/stage\/#\/schema\/person\/c3aa63480e5d77a56fbd3f70e41b9ce8"},"headline":"Why I reject potential clients\u2026 and some important lessons","datePublished":"2019-07-03T00:59:28+00:00","dateModified":"2021-08-25T01:58:32+00:00","mainEntityOfPage":{"@id":"https:\/\/wealthcoach.com.au\/stage\/why-i-reject-clients\/"},"wordCount":1301,"publisher":{"@id":"https:\/\/wealthcoach.com.au\/stage\/#organization"},"articleSection":["Financial Planning"],"inLanguage":"en-AU"},{"@type":"WebPage","@id":"https:\/\/wealthcoach.com.au\/stage\/why-i-reject-clients\/","url":"https:\/\/wealthcoach.com.au\/stage\/why-i-reject-clients\/","name":"Why I reject potential clients\u2026 and some important lessons","isPartOf":{"@id":"https:\/\/wealthcoach.com.au\/stage\/#website"},"datePublished":"2019-07-03T00:59:28+00:00","dateModified":"2021-08-25T01:58:32+00:00","description":"Not everyone should pay for tailored advice. Sometimes people aren't ready or suited. I discuss the top 5 reasons I reject or derfer potential clients.","breadcrumb":{"@id":"https:\/\/wealthcoach.com.au\/stage\/why-i-reject-clients\/#breadcrumb"},"inLanguage":"en-AU","potentialAction":[{"@type":"ReadAction","target":["https:\/\/wealthcoach.com.au\/stage\/why-i-reject-clients\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/wealthcoach.com.au\/stage\/why-i-reject-clients\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/wealthcoach.com.au\/stage\/"},{"@type":"ListItem","position":2,"name":"Why I reject potential clients\u2026 and some important lessons"}]},{"@type":"WebSite","@id":"https:\/\/wealthcoach.com.au\/stage\/#website","url":"https:\/\/wealthcoach.com.au\/stage\/","name":"ProSolution Private Clients","description":"Holistic Financial Services","publisher":{"@id":"https:\/\/wealthcoach.com.au\/stage\/#organization"},"alternateName":"ProSolution","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/wealthcoach.com.au\/stage\/?s={search_term_string}"},"query-input":"required name=search_term_string"}],"inLanguage":"en-AU"},{"@type":"Organization","@id":"https:\/\/wealthcoach.com.au\/stage\/#organization","name":"ProSolution Private Clients","url":"https:\/\/wealthcoach.com.au\/stage\/","logo":{"@type":"ImageObject","inLanguage":"en-AU","@id":"https:\/\/wealthcoach.com.au\/stage\/#\/schema\/logo\/image\/","url":"https:\/\/i0.wp.com\/www.prosolution.com.au\/wp-content\/uploads\/2016\/02\/ProSolution-logo-new-1-580x160-300x83.png?fit=300%2C83&ssl=1","contentUrl":"https:\/\/i0.wp.com\/www.prosolution.com.au\/wp-content\/uploads\/2016\/02\/ProSolution-logo-new-1-580x160-300x83.png?fit=300%2C83&ssl=1","width":300,"height":83,"caption":"ProSolution Private Clients"},"image":{"@id":"https:\/\/wealthcoach.com.au\/stage\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/ProSolutionPrivateClients\/","https:\/\/twitter.com\/StuartWemyss","https:\/\/www.linkedin.com\/in\/stuartwemyss\/"]},{"@type":"Person","@id":"https:\/\/wealthcoach.com.au\/stage\/#\/schema\/person\/c3aa63480e5d77a56fbd3f70e41b9ce8","name":"Stuart Wemyss","image":{"@type":"ImageObject","inLanguage":"en-AU","@id":"https:\/\/wealthcoach.com.au\/stage\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/ae5c5d8e27329e215a9779262143f501?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/ae5c5d8e27329e215a9779262143f501?s=96&d=mm&r=g","caption":"Stuart Wemyss"},"sameAs":["http:\/\/www.prosolution.com.au"],"url":"https:\/\/wealthcoach.com.au\/stage\/author\/swemyss\/"}]}},"jetpack_featured_media_url":"","jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/p7FPzp-3Mc","jetpack_likes_enabled":true,"jetpack-related-posts":[],"_links":{"self":[{"href":"https:\/\/wealthcoach.com.au\/stage\/wp-json\/wp\/v2\/posts\/14520"}],"collection":[{"href":"https:\/\/wealthcoach.com.au\/stage\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/wealthcoach.com.au\/stage\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/wealthcoach.com.au\/stage\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/wealthcoach.com.au\/stage\/wp-json\/wp\/v2\/comments?post=14520"}],"version-history":[{"count":4,"href":"https:\/\/wealthcoach.com.au\/stage\/wp-json\/wp\/v2\/posts\/14520\/revisions"}],"predecessor-version":[{"id":15884,"href":"https:\/\/wealthcoach.com.au\/stage\/wp-json\/wp\/v2\/posts\/14520\/revisions\/15884"}],"wp:attachment":[{"href":"https:\/\/wealthcoach.com.au\/stage\/wp-json\/wp\/v2\/media?parent=14520"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/wealthcoach.com.au\/stage\/wp-json\/wp\/v2\/categories?post=14520"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/wealthcoach.com.au\/stage\/wp-json\/wp\/v2\/tags?post=14520"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}