The 2026 Opportunity

Australian brokers now facilitate 77.6% of new residential lending.[1] Simultaneously, the number of financial advisors has plummeted to just 15,500.[2]

"The DBFO reforms give brokers regulatory safe passage to fill this advice void."

A$4,668 Median Advice Fee

40% Potential Advice Cost Reduction

The Advice Gap Trend

Advisors vs. Borrower Demand

The Private Wealth Framework

🛡️

Pillar 1

Expand Services

Master high-margin specialized lending to anchor "Tom" persona clients.

● SMSF Property Lending
● Commercial/Asset Finance
● Debt Recycling Strategy

🤝

Pillar 2

Integrated Networks

Act as the 'Financial Quarterback' for your clients' professional team.

● Formal Planner SLAs
● Legal/Estate Partnerships
● Tax Specialist Panels

🤖

Pillar 3

Agentic AI Team

Deploy automation to scale high-touch service without headcount.

● Auto-drafting CAR Records
● IDP Document Verification
● Predictive 'Move-up' Alerts

ASIC 2026 Guardrails

BID Monitoring Review

ASIC is actively monitoring Best Interests Duty (BID) compliance. Evidence of Rationale is now the #1 requirement in Client Advice Records.[3]

2026 Red Flags

• Missing payroll watermarks
• Inconsistent household debt data
• High-cost private credit recommendations

Implementation Checklist

Refresh Value Proposition

Move from "Best Rate" to "Debt Efficiency Strategy".

Launch NCA Pathway

Enroll junior staff in AQF Level 5 for 'simple advice'.

Digital Website Disclosure

Modernise FSG requirements via web disclosure.