Page 6 - FWP Wealth-Adviser-Issue-120 (FWP)

ISSUE 120
SEPTEMBER 2025

transfer structures to protect assets against volatility. forward-thinking management, and the use of robust wealth
• Succession planning and the strategic use of insurance to preservation tools will be central to navigating uncertainty.
hedge against both market and life risks. As history and new research both show, “the end of US
• Greater allocation to alternative investments such as exceptionalism does not mean that US sharemarkets don’t
infrastructure, private equity, or real assets, now high- perform well, it’s just that other markets may offer just as
lighted by leading advisers and recent summits as crucial good returns”. Embracing change, rather than resisting
amid global market dislocation. it, remains the foundation of durable wealth in a global
The Industry Group on Climate Change (IGCC) further financial landscape redefined by new centres of power and
urges a forward-thinking stance: “Investors can play a innovation.
critical role in building an adaptive and sustainable econ-
omy by directing capital towards solutions with long-term
positive impact”. Australian advisers are increasingly References
integrating Environmental, Social, and Governance (ESG) • Mousina, Diana. “3 reasons why the US will not stay exceptional in this
considerations both as a measure of risk management and century.” AMP, 2025.
an opportunity for superior long-term returns. • “Five Reasons for the Trend Towards Multipolarity.” Morgan Stanley,
It is also vital for advisers to remain client-centric. 2025.
As highlighted in the white paper “Australian Wealth • “The Australian economy and the global downturn Part 1 - Reasons for
Management at the Crossroads”, “the notion of ‘one- resilience.” Treasury, 2011, updated 2019.
size-fits-all’ is readily disabused,” and success depends • “Wealth preservation strategies: Protecting your legacy for future
on flexible, tailored strategies suited to clients’ life stages generations.” Pitcher Partners, 2025.
and wealth levels. Digital advice, active engagement, and • “PROTECT, THEN GROW INVESTMENT PHILOSOPHY.” Perpetual.
periodic review are all emerging as key tools in delivering • “Our Investment Philosophy.” Providence Wealth, 2025.
ongoing value. • “Multipolarity and Australia: How a ‘middle-sized nation’ can adapt.”
Geopolitical Economy, 2025.
Conclusion • “Australian Wealth Management at the Crossroads.” Firstlinks, 2022.
For Australian retail clients and their advisers, the • “Road to Resilience: An investor action plan for an adaptive and
end of US exceptionalism—and the rise of a multipolar sustainable economy.” IGCC, 2023.
world—signals both challenge and opportunity. A resilient • “Australian Wealth Management Summit 2025 to spotlight alternatives
investment philosophy rooted in diversification, active, amid global market dislocation.” Investor Daily, 2025.

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