How Financial Advisers Deliver True Value When Times Get Tough

During times of change and uncertainty, the role of a trusted financial adviser becomes more essential than ever. Whether it’s shifting economic conditions, evolving work trends, or a reassessment of life priorities, advisers provide a critical anchor when clients are navigating uncharted waters.

In recent years, events like the Great Resignation, rising interest rates, and moves toward remote or hybrid work have redefined what “normal” means for many Australians. People have begun relocating to regional areas, moving from high-density cities, and reimagining their financial and personal goals.

Guiding Clients with Expertise and Empathy

Those advisers who have supported clients through market volatility and uncertainty—and who’ve played a role in shaping their post-pandemic goals—can take genuine pride in the value they’ve delivered.

According to the Russell Investments 2022 Value of an Adviser Report, the value advisers deliver significantly exceeds what their fees account for—and includes everything from technical strategy to emotional support.

The A + B + C + E + T Framework

Russell Investments uses a simple but powerful formula to illustrate this value:

A | Asset Allocation — Crafting and maintaining the right mix of investments is both critical and often overlooked. A skilled adviser ensures portfolios stay aligned with client goals, managing risk and rebalancing as needed.

B | Behavioural Coaching — Advisers help clients stay invested during emotional highs and lows. This prevents costly mistakes—like cashing out in a market dip—thereby safeguarding long-term returns.

C | Choices and Trade-offs — Life is complex, and decision fatigue is real. Advisers help clients make thoughtful, prioritized choices about their financial future—and when life knocks them off course, they help steer the plan back on track.

E | Expertise (Technical + Emotional) — An adviser does more than manage investments. They navigate legal, tax, superannuation, insurance—while also providing support during personal crises like illness, loss, or major life transitions. This blend of knowledge and compassion offers clients unmatched peace of mind.

T | Tax-Savvy Planning & Investing — Advisers bring their own tax insight to client planning, helping clients maximise savings and understand both direct and indirect tax implications tailored to their unique situation.

Beyond Numbers: Measured and Intangible Value

Even if an adviser’s sole contribution was preventing behavioural mistakes, they’ve already justified their fee—plus more. Add in asset strategy, personalized service, emotional support, and tax efficiency, and the value speaks for itself.

Summary: Why Advisers Matter Even More in Challenging Times

Financial advisers bring a powerful combination of strategic acumen and human empathy. Through disciplined portfolio management, behavioural guidance, thoughtful decision support, technical know-how, and tax-smart approaches, they offer both tangible benefits and priceless reassurance.

Source: Russell Investments

Lindale Insurances Pty Ltd ATF Lindale Insurances Trust ABN 27 027 421 832 is a Franchisee of Fiducian Financial Services Pty Ltd, Level 4, 1 York Street, Sydney NSW 2000. AFSL 231103 ABN 46 094 765 134.

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