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Ensombl Ensombl (Formerly XY Adviser)

The leading digital platform for financial advice professionals

XY Adviser is a forward thinking community of passionate people, dedicated to seeing the financial advice profession live up to its potential. Our intent is to help advisers transform from frustrated advisers to modern advisers. This group is a place for advisers to seek, share and discuss valuable information concerning our industry. The aim is that by doing so, we can help shape the future of our profession and provide outstanding advice with amazing client outcomes.

11/10/2026

Investment Podcast #44 - Are Managed Accounts Reshaping the Advice Model?

Managed accounts are often sold on efficiency, but their impact can run much deeper than streamlining portfolio administration. In this episode, host Ben Nash is joined by Lance Rowlands from Wealth Directions and David Hutchinson from AMP to explore how managed accounts are reshaping the advice model itself.

Drawing on Lance’s experience implementing managed portfolios across his practice, the discussion looks at how greater efficiency, stronger governance and more consistent portfolio implementation can free advisers to spend more time on strategy, client goals and the parts of advice that matter most. From client engagement and fee models to customisation, performance measurement and implementation challenges, the episode offers a practical look at what changes when managed accounts become embedded in the way an advice business operates.

Get the full episode here: https://ensombl.com/podcasts/investment-podcast-44-are-managed-accounts-reshaping-the-advice-model-176c5f79252d

Grow with North: https://lnkd.in/gwczfBKK

02/10/2026

Insurance Podcast #11 - Yvonne Chu

In this episode, Ben is joined by Yvonne Chu, Head of Technical and Paraplanning at Entireti. They discuss how advisers can deliver stronger and more defensible life insurance advice by developing a clear insurance philosophy, applying consistent needs analysis, documenting client conversations, managing replacement advice and pre-assessments, and clearly explaining premiums, policy terms and trade-offs to clients.

Get the full episode here - https://ensombl.com/podcasts/insurance-podcast-11-yvonne-chu-568646a343af

Visit The Adviser Portal and partner with Zurich and OnePath today: https://advisers.zurich.com.au/resources/adviser-portal

30/09/2026

Investment Podcast #43 - Opportunities in Global Markets

Global markets may be dominated by the US, but that doesn’t mean the best opportunities are. In this episode, host Andrew Rocks is joined by Kevin Bertoli from PM Capital to explore how long-term, flexible investing can uncover genuine market anomalies around the world.

From European banks and global decoupling to inflation, AI and commodity cycles, Kevin explains why they're looking beyond index weights and short-term market narratives to back a small number of high-conviction themes. With valuations stretched in parts of the US and Australian markets, the discussion highlights why flexibility, patience and a truly global opportunity set may matter more than ever.

Get the full episode here - https://ensombl.com/podcasts/investment-podcast-43-opportunities-in-global-markets-13ab7dc101c5

Explore global market opportunities with PM Capital’s Global Companies Fund: https://www.pmcapital.com.au/

29/09/2026

Investment Podcast #42 - Driving Bottom-Up Performance

When markets become captivated by the next big theme, some of the best opportunities can emerge in the places investors have stopped looking. In this episode, host Ben Nash is joined by Allan Gray senior investment specialist Chris Hestelow to explore how a contrarian, bottom-up approach is finding value beneath the market headlines.

From AI and semiconductor beneficiaries to healthcare, property, energy and overlooked industrial businesses, Chris explains why a great story doesn’t always make a great investment—and why price still matters. The pair also unpack recent reporting-season volatility, rising index concentration and the case for looking beyond today’s market leaders to build genuinely diversified portfolios.

Get the full episode here - https://ensombl.com/podcasts/investment-podcast-42-driving-bottom-up-performance-762034a80e98

Our distinctive take on investing means that each of our Funds brings something different to portfolios. To learn more, reach out to our team or visit https://www.allangray.com.au/

16/09/2026

Insurance Podcast #10 - Nicole Bendeich

In this episode, Ben talks with Nicole Bendeich from Calibre Life. They discuss her journey from admin and paraplanning into running a boutique risk advice practice, and how thoughtful processes, clear client communication, and confidence in human connection can make small, specialist life insurance businesses both viable and deeply rewarding.

Listen to the full episode here - https://ensombl.com/podcasts/insurance-podcast-10-nicole-bendeich-5862708b6b41

Visit The Adviser Portal and partner with Zurich and OnePath today: https://advisers.zurich.com.au/resources/adviser-portal

20/07/2026

The Aged Care Conversation

In this three-part series, host Sarah Leslie presents The Aged Care Conversation, exploring how advisers can confidently navigate one of the most complex and emotionally significant aspects of retirement planning. Through conversations with Matthew Lloyd, Alex Berlee, Ben Hillier, and Shaun Ganguly, the series examines the impact of aged care reforms, funding strategies, and holistic advice frameworks on client outcomes. From understanding care costs and government support to integrating aged care into long-term retirement planning, these episodes offer practical insights to help advisers better support clients and their families through every stage of later life.

Brought to you by North

View the full series here - https://ensombl.com/series/ensombl-advice-australia-podcast/tacc/

Earn 0.75 CPD here: https://quiz.ensombl.com/CPDC-26071702-34390001
0.25 Client Care & Practice
0.25 Technical Competence
0.25 Regulatory Compliance and Consumer Protection

Earn 1.0 CPD here: https://quiz.ensombl.com/CPDC-26071702-40430001
0.25 Client Care & Practice
0.25 Technical Competence
0.25 Regulatory Compliance and Consumer Protection
0.25 Professionalism and Ethics

Earn 1.25 CPD here: https://quiz.ensombl.com/CPDC-26071702-47270001
0.25 Client Care & Practice
0.50 Technical Competence
0.25 Regulatory Compliance and Consumer Protection
0.25 Professionalism and Ethics

Content assessed by CPDcheck. Go to provider.cpdcheck.com to assess any professional development.

15/07/2026

Licensee Podcast Series #11 – Infocus

This week, Rocksy speaks with Matt Fogarty, Executive General Manager – Partnerships at Infocus. They explore Matt’s journey in financial advice and his leadership of Infocus, and its four-pillar model and partnerships that help advice practices grow.

Get the full episode here - https://ensombl.com/podcasts/licensee11/

Explore the road less travelled at https://ensombl.com/go/20260715-2/

Earn 1.0 CPD here: https://quiz.ensombl.com/CPDC-26071401-57440001
0.25 Technical Competence
0.25 Client Care and Practice
0.25 Regulatory Compliance & Consumer Protection
0.25 Professionalism and Ethics

Content assessed by CPDcheck. Go to provider.cpdcheck.com to assess any professional development.

08/07/2026

Insurance Podcast #9 - Phil Anderson

In this episode, Ben speaks with Phil Anderson, General Manager - Policy, Advocacy and Standards at the FAAA. They discuss how the FAAA advocates for advisers within Australia’s complex regulatory and political environment, covering life insurance commissions (LIF), government and regulator roles (Treasury, ASIC, APRA), mental health impacts on TPD and income protection, adviser distribution and new adviser pathways, and the future of risk advice amid scandals, regulatory reform, and artificial intelligence.

Get the full episode here - https://ensombl.com/podcasts/insurance9/

Visit The Adviser Portal and partner with Zurich and OnePath today: https://ensombl.com/go/20260708-2/

Earn 0.50 CPD here: https://quiz.ensombl.com/CPDC-26070700-42530001
0.25 Technical Competence
0.25 Regulatory Compliance and Consumer Protection

Content assessed by CPDcheck. Go to provider.cpdcheck.com to assess any professional development.

In this article, Eric Marais, Investment Specialist & Head of Client at Orbis Investments, challenges some of the most p...
01/07/2026

In this article, Eric Marais, Investment Specialist & Head of Client at Orbis Investments, challenges some of the most persistent misconceptions surrounding emerging market investing.

He explores how attractive valuations, structural reforms, undervalued currencies, and differentiated return drivers are combining to create compelling opportunities for investors willing to look beyond outdated narratives.

Read full article here: https://ensombl.com/articles/four-reasons-to-invest-in-emerging-markets/

To receive 0.25 Technical Competence CPD points for this article, complete the quiz here - https://quiz.cpdcheck.com/CPDC-26061700-38350001

Content assessed by CPDcheck. Go to provider.cpdcheck.com to assess any professional development.

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