Under new licensing rules financial advisers are required to have a locum plan, but Jon-Paul Hale argues putting one in place for single adviser businesses is nearly impossible.

I'll get this out upfront; this is an issue that's not an issue until it is an issue, which will be the current view of many.

I talked about the situation of vocational retraining in my previous article. It appears to be broken. How do we fix it?

When it comes to disability, having income protection is essential, but what about when recovery is challenging and returning to work isn’t easy to impossible?

I would postulate that many of your current clients are not happy. But that isn't necessarily due to your actions or inactions.

Part of the discussion with consumer groups, FMA, Providers, Government; Are our products too complex?

Consumer has released its latest insurance provider satisfaction survey. Adviser Jon-Paul Hale reckons it has lots of speculation and opinion but little real substance.

Jon-Paul Hale says complying with Code Standard 4 is going to be a problem for advisers. Here's why.

It seems a recent article on Covid-19 and underwriting the unvaccinated hit a raw nerve with some readers, and the responses across the Good Returns site raised an eyebrow or two.

Where is this Covid thing going to take us with health and life insurance?

Now the dust from March is settling and advisers have got their heads around most of what is required, it's time to start pushing forward with getting full licensing done.

The advice industry is undergoing much change, and you could be forgiven if you hadn't noticed what's happening to our brethren - mortgage advisers.

We well know that calling the provider, it doesn't matter who or what discipline, the chance of getting a 100% accurate answer is unlikely.

Frankly, there are only two reasons loss of earnings, agreed or indemnity, is sold over agreed value - the commission is more, and the work required is less than doing non-taxable agreed.

The industry has been watching the ups and downs of the Financial Service Providers Register (FSPR) like a hawk, and it seems we are finding the data somewhat less helpful than we anticipated.