{"id":15615,"date":"2021-03-15T16:47:25","date_gmt":"2021-03-15T05:47:25","guid":{"rendered":"https:\/\/www.prosolution.com.au\/?p=15615"},"modified":"2021-03-15T16:47:28","modified_gmt":"2021-03-15T05:47:28","slug":"financial-advisor-checks","status":"publish","type":"post","link":"https:\/\/wealthcoach.com.au\/stage\/financial-advisor-checks\/","title":{"rendered":"How to avoid being ripped off by a financial advisor"},"content":{"rendered":"\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"250\" data-attachment-id=\"15616\" data-permalink=\"https:\/\/wealthcoach.com.au\/stage\/financial-advisor-checks\/financial-advisor-dont-get-ripped-off-email\/\" data-orig-file=\"https:\/\/i0.wp.com\/wealthcoach.com.au\/stage\/wp-content\/uploads\/2021\/03\/financial-advisor-dont-get-ripped-off-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=\"financial-advisor-dont-get-ripped-off-email\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/wealthcoach.com.au\/stage\/wp-content\/uploads\/2021\/03\/financial-advisor-dont-get-ripped-off-email.png?fit=300%2C75&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/wealthcoach.com.au\/stage\/wp-content\/uploads\/2021\/03\/financial-advisor-dont-get-ripped-off-email.png?fit=1000%2C250&amp;ssl=1\" src=\"https:\/\/i0.wp.com\/wealthcoach.com.au\/stage\/wp-content\/uploads\/2021\/03\/financial-advisor-dont-get-ripped-off-email.png?resize=1000%2C250&#038;ssl=1\" alt=\"financial advisor \" class=\"wp-image-15616\" srcset=\"https:\/\/i0.wp.com\/wealthcoach.com.au\/stage\/wp-content\/uploads\/2021\/03\/financial-advisor-dont-get-ripped-off-email.png?w=1000&amp;ssl=1 1000w, https:\/\/i0.wp.com\/wealthcoach.com.au\/stage\/wp-content\/uploads\/2021\/03\/financial-advisor-dont-get-ripped-off-email.png?resize=300%2C75&amp;ssl=1 300w, https:\/\/i0.wp.com\/wealthcoach.com.au\/stage\/wp-content\/uploads\/2021\/03\/financial-advisor-dont-get-ripped-off-email.png?resize=768%2C192&amp;ssl=1 768w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<p>It is alleged that Sydney-based financial advisor, <a href=\"https:\/\/www.theguardian.com\/australia-news\/2021\/feb\/18\/melissa-caddick-assets-of-missing-financial-adviser-must-be-sold-and-lost-millions-found-investors-say\" target=\"_blank\" rel=\"noreferrer noopener\">Melissa Caddick<\/a> stole $25 million from her clients. She has recently gone \u201cmissing\u201d, leaving a trail of disaster for her clients and family members.<\/p>\n\n\n\n<p>Many con artists are very cunning and go to great lengths to conceal their wrongdoings. But there are a few simple steps you can take which will virtually eliminate any chance of you being ripped off.<\/p>\n\n\n\n<iframe loading=\"lazy\" src=\"https:\/\/webplayer.whooshkaa.com\/episode\/801971?theme=light&#038;enable-volume=true&#038;iframe-height=190\" height=\"190\" width=\"100%\" scrolling=\"no\" frameborder=\"0\" allow=\"autoplay\"><\/iframe>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-an-advisor-must-be-an-independent-intermediately-not-a-fund-manager\">An advisor must be an independent intermediately, not a fund manager<\/h3>\n\n\n\n<p>Virtually all fraud committed by financial advisors occurs when the advisor is in control of the investments. That is, they are investing the money on behalf of their clients. This impairs their independence and allows them to manipulate information.<\/p>\n\n\n\n<p>That is why you must demand absolute independence from any advisor you deal with. Your advisor\u2019s job is to hire and\/or fire fund managers (based on performance), not be a fund manager themselves. This allows the advisor to always represent your best interests. They are an intermediatory between you and the business investing your money, holding them accountable.<\/p>\n\n\n\n<p>At ProSolution, we invest in a variety of managed investments and <a href=\"https:\/\/wealthcoach.com.au\/stage\/exchange-traded-funds\/\" target=\"_blank\" rel=\"noreferrer noopener\">Exchange Traded Funds<\/a> (ETFs). At any time, our clients can go directly to the fund managers or ETF providers website to check on the investments and performance. It is a very transparent arrangement. Transparency is the enemy to fraudsters. \u00a0<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-make-sure-there-s-good-internal-controls\">Make sure there\u2019s good internal controls<\/h3>\n\n\n\n<p>It is acceptable to allow your financial advisor to make investments on your behalf. In fact, that\u2019s what you are paying them to do. However, they should not have any ability to withdraw funds.<\/p>\n\n\n\n<p>For example, we use an investment platform to invest our clients\u2019 monies. We can invest any monies on the platform, but we cannot withdraw money from that platform. Only our clients are able to do that. This add another layer of protection.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-a-custodian-should-hold-your-assets\">A custodian should hold your assets &nbsp;<\/h3>\n\n\n\n<p>All reputable investment platforms and fund managers use a custodian to hold all investment assets. A custodian protects the investor from counterparty risk. For example, if you use Macquarie investment platform and Macquarie goes bankrupt, your money is protected because it\u2019s held on trust with its custodian. A custodian is an independent legal entity that holds assets on trust for its beneficiaries i.e. you.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-asic-and-google-searches\">ASIC and Google searches<\/h3>\n\n\n\n<p>The federal government\u2019s <em>Money Smart<\/em> website allows you to search the <a href=\"https:\/\/moneysmart.gov.au\/financial-advice\/financial-advisers-register\" target=\"_blank\" rel=\"noreferrer noopener\">financial advisor register<\/a>. This will tell you a lot about an advisor. Most importantly, it will tell you if they are licensed and who with (i.e. who holds the Australian Financial Services license, \u201cAFSL\u201d). It will also tell what qualifications they hold, their experience, any disciplinary actions, professional memberships and training records.<\/p>\n\n\n\n<p>Melissa Caddick never appeared on this register. So, a simple search conducted by any prospective client would have confirmed that she was not a licensed advisor.<\/p>\n\n\n\n<p>Advisors must give you their AFSL number. It is wise to search this AFSL to ensure it\u2019s a legitimate business \u2013 you can do that <a href=\"https:\/\/connectonline.asic.gov.au\/RegistrySearch\/faces\/landing\/ProfessionalRegisters.jspx?_adf.ctrl-state=r5d488i4l_12\">here<\/a>. You might even contact the licensee to confirm that the advisor is in fact licensed by them. In the case of Melissa Caddick, she was quoting someone\u2019s AFSL number without their knowledge or authority. &nbsp;<\/p>\n\n\n\n<p>Of course, a simple Google search is valuable to do also.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-recommendations-speak-volumes-but-be-careful-of-confirmation-bias\">Recommendations speak volumes, but be careful of confirmation bias&nbsp;<\/h3>\n\n\n\n<p>Of course, a recommendation from someone we trust typically provides us with a lot of comfort. After all, if the person recommending the advisor has had a good experience for many years, then that is good evidence.<\/p>\n\n\n\n<p>However, a recommendation does not substitute all the other checks I have listed above. US conman, Bernie Madoff stole over $80 billion from his clients, many of whom were referred to him by existing investors. When we want something to be true, we refuse to see any signs to the contrary i.e. <a href=\"https:\/\/en.wikipedia.org\/wiki\/Confirmation_bias\" target=\"_blank\" rel=\"noreferrer noopener\">confirmation bias<\/a>. Therefore, just because someone you trust has invested, does not mean you shouldn\u2019t conduct your own checks.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-too-good-to-be-true\">Too good to be true<\/h3>\n\n\n\n<p>No one can control markets. Therefore, it is impossible to promise clients a certain investment return. All we can control is what we invest in (asset allocation) and the methodologies we use.<\/p>\n\n\n\n<p>If someone promises to achieve a certain return, and that return is high, be sceptical. It is virtually impossible to achieve a high return without taking a high risk \u2013 the two come hand-in-hand.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-a-financial-advisor-must-sit-on-your-side-of-the-table\">A financial advisor must sit on your side of the table<\/h3>\n\n\n\n<p>There are two types of professionals that can help you invest \u2013 and the two must never be confused. The first one is an investment manager which includes stockbrokers, buyers\u2019 agents, fund managers and so on. Because they only earn an income if you invest with them, they have a conflict of interest. That is, they have a commercial interest in you remaining a client of theirs. Whilst these professionals might be able to create a lot of value for their clients, they are not financial advisors.<\/p>\n\n\n\n<p>A <a href=\"https:\/\/wealthcoach.com.au\/stage\/what-does-financial-planner-do\/\" target=\"_blank\" rel=\"noreferrer noopener\">financial advisor<\/a> sits on your side of the table<a href=\"#_ftn1\">[1]<\/a>. They should not have any vested interest in what you invest in. That way they are completely independent, so they can analyse your investments without any fear or favour.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-three-simple-checks-will-protect-your-wealth\">Three simple checks will protect your wealth<\/h3>\n\n\n\n<p>Of course, all the ideas I have shared above are important. But the top three are (1) searching the <em>Money Smart<\/em> financial advisor register (2) researching the AFSL holder and (3) ensuring your advisor is completely independent. These three things will ensure you will never be a victim of fraud.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<p><a href=\"#_ftnref1\">[1]<\/a> A friend, colleague and financial advisor, Matt Ross uses the term \u201csits on your side of the table\u201d which I have borrowed on this occasion. &nbsp;<\/p>\n   ","protected":false},"excerpt":{"rendered":"<p>It is alleged that Sydney-based financial advisor, Melissa Caddick stole $25 million from her clients. She has recently gone \u201cmissing\u201d, leaving a trail of disaster for her clients and family&#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>How to avoid being ripped off by a financial advisor<\/title>\n<meta name=\"description\" content=\"Here are three simple, quick and fee checks you must do to ensure you don&#039;t get ripped off by a dodgy financial advisor.\" 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