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Why scaled advice is back on Nathan Fradley’s radar
Scaled advice never really took off. It always felt too time-intensive to gather all the context, or too resource-heavy to deliver. In this video, I explain why scaled advice is back on my radar, and how technology is making it easier than ever to deliver concise, targeted advice that still sits on a solid discovery…
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The digitally enabled adviser: a practical roadmap
Part 2 of 2 | The digitally enabled adviser series Recently I wrote about new Anthropic research showing that financial guidance is one of the most overrepresented AI use cases in Australia. That the advice gap is being filled — not by the industry, but by a general-purpose AI that any Australian can access for free. If…
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Beyond the balance sheet: How to add real value to retiring clients
Most of us got into this profession because we wanted to make a genuine difference to people's lives. And yet, if we're honest, it's easy to fall into a pattern where client reviews become a ritual of checking super balances, rebalancing portfolios, and ticking compliance boxes. For retiring clients especially, that…
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Why every advice firm needs a “relationship pulse check”
If you ask financial advisers what really drives their business, most won’t say revenue, compliance, or even performance. They’ll say relationships. Strong client relationships sustain advice businesses through market volatility, regulatory change, and fee pressure. They underpin referrals, retention, and trust. Yet,…
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No-one knows retirement like an adviser
Australia is entering a decisive phase in its retirement system. A perfect storm of demographic change, policy reform and rising cost pressures is forcing a fundamental rethink of financial advice. By 2034, almost a quarter of Australian adults will be entering the retirement phase, shifting the system’s centre of gravity…
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The advice gap has a new competitor
Part 1 of 2 | The Digitally Enabled Adviser Series For years, the financial advice industry has talked about the advice gap. Millions of Australians who need professional guidance but cannot access it — priced out, underserved, or simply not knowing where to start. The response has largely been regulatory: the Quality of…
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The break up
A few months ago, I completed one of the biggest professional decisions of my career: buying out my business partners and becoming the sole owner of our financial advice business. On paper, it sounds straightforward. We each owned shares in the business. My partners were mortgage brokers — great operators, good friends,…
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The accommodation shift for aged care
One of the most fundamental decisions for anyone contemplating a move into residential aged care is understanding the room cost and how they will fund it. And this became more complicated and expensive from 1 November 2025. Higher room prices The first impact was the rise in room prices throughout 2025, with average…
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What your paraplanner actually needs from you
I've spent a lot of time on the paraplanning side of the advice process, and there's a few things that reliably slows the paraplanning process down. It’s easy to blame the paraplanner (and sometimes it is their fault!) but what I often find is that a poorly structured paraplanning request is the reason things slow down.…
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5 efficiency gains that have moved the needle for us
I have used Xplan throughout my entire career as an adviser and, to be honest, I didn’t like it for a long time. It wasn’t until I took ownership of the software and invested the time it deserved that our business truly began to reap the benefits. For a long time I held the mistaken belief that our licensee ran and…
