Fourth Line

Our CEO, Joel Ronchi, contributes to the conversation around the impact AI will have on the way financial advice businesses and licensees will need to operate.

Fourth Line would like to welcome Empower Wealth to our ever-growing community of AFSLs seeking a proactive advice monitoring & supervision framework that is effective, efficient, scalable, and affordable. After an extensive evaluation period, Hong Nguyen and the team at Empower Wealth chose Fourth Line as their quality advice partner. Like many others in the Fourth Line community, Emplower Wealth is getting on the front foot when it comes to advice oversight by embracing the power of technology and the effectiveness of 'prevetting of advice'. ** Why is Fourth Line so popular with Self-Licensed Practices? ** One word - "prevet". Licensees want to get ahead of any advice issues by prevetting advice. RMs and Practice Principals want to be able to "sleep at night" and not worry about 'advice skeletons' hiding in the closet. ** How can AFSLs prevet advice efficiently and affordably? ** By using technology, such as the Fourth Line's Advice Monitoring & Supervision platform. ------- We would also like to thank Mark Stephen and Murray Swilks from Civitas Services for introducing Empower to Fourth Line and acknowledge all the wonderful work Civitas Services does with self-licensed practices. If you are self-licensed, or thinking about becoming self-licensed, we recommend you reach out to Murray or Mark for an initial chat to explore how Civitas can help you. ------- Fourth Line has now grown to a 𝗰𝗼𝗺𝗺𝘂𝗻𝗶𝘁𝘆 𝗼𝗳 85+ 𝗗𝗲𝗮𝗹𝗲𝗿 𝗚𝗿𝗼𝘂𝗽𝘀, 𝗦𝗲𝗹𝗳-𝗹𝗶𝗰𝗲𝗻𝗰𝗲𝗱 𝗣𝗿𝗮𝗰𝘁𝗶𝗰𝗲𝘀, 𝗖𝗼𝗺𝗽𝗹𝗶𝗮𝗻𝗰𝗲 𝗖𝗼𝗻𝘀𝘂𝗹𝘁𝗮𝗻𝘁𝘀 𝗮𝗻𝗱 𝗶𝗻𝗱𝗶𝘃𝗶𝗱𝘂𝗮𝗹 𝗔𝗱𝘃𝗶𝗰𝗲 𝗣𝗮𝗰𝘁𝗶𝗰𝗲𝘀 𝘄𝗵𝗼 𝘂𝗻𝗱𝗲𝗿𝘀𝘁𝗮𝗻𝗱 𝘁𝗵𝗲 𝘃𝗮𝗹𝘂𝗲 𝗼𝗳 𝗽𝗿𝗲𝘃𝗲𝘁𝘁𝗶𝗻𝗴 𝗮𝗱𝘃𝗶𝗰𝗲 and getting ahead of advice issues (before they walk out the door and cause breaches). Are you a: - Responsible Manager, - Compliance Manager, or - Practice Principal? * Want to know more about Fourth Line? * Would you like a demo of how Fourth Line can complement your existing compliance framework? Please feel free to contact Fourth Line's CEO Joel Ronchi on: 0408 056 679 or joel.ronchi@fourth-line.com.au David Travers Simon Quirk Dan Hunter Mark Bland Tony McDonald Paul Rogan (FAICD) Angus Elliott ---------------------------------- #regtech #financialadvice #advicecompliance #qualityadvicereview

Financial Advice Licensees are embracing technology at an accelerating rate. This is exemplified by the fact that with a new day comes a new Fourth Line Quality Advice Community member - Belfast Wealth Management. We would like to thank Shane Lenehan and Brad Blain for choosing Fourth Line as their quality advice partner and we are honoured to be an integral part of their advice monitoring and supervision framework. Belfast WM reflects the change sweeping the financial advice industry, with licensees of all sizes and niches embracing technology so they can stay ahead of any advice issues and meet General Licensee Obligations under s912A of the Corporations Act. Proactive, forward-looking advice oversight is a must - and with technology as your partner, it is now possible. ----- I would also like to thank Murray Swilks and Mark Stephen from Civitas Services for introducing Simon and his team to Fourth Line and acknowledge all the wonderful work Civitas does with self-licensed practices. If you are self-licensed, or thinking about becoming self-licensed, I recommend you reach out to Murray or Mark for an initial chat to explore how Civitas can help you. ----- Fourth Line has now grown to a 𝗰𝗼𝗺𝗺𝘂𝗻𝗶𝘁𝘆 𝗼𝗳 85+ 𝗗𝗲𝗮𝗹𝗲𝗿 𝗚𝗿𝗼𝘂𝗽𝘀, 𝗦𝗲𝗹𝗳-𝗹𝗶𝗰𝗲𝗻𝗰𝗲𝗱 𝗣𝗿𝗮𝗰𝘁𝗶𝗰𝗲𝘀, 𝗖𝗼𝗺𝗽𝗹𝗶𝗮𝗻𝗰𝗲 𝗖𝗼𝗻𝘀𝘂𝗹𝘁𝗮𝗻𝘁𝘀 𝗮𝗻𝗱 𝗶𝗻𝗱𝗶𝘃𝗶𝗱𝘂𝗮𝗹 𝗔𝗱𝘃𝗶𝗰𝗲 𝗣𝗮𝗰𝘁𝗶𝗰𝗲𝘀 𝘄𝗵𝗼 𝘂𝗻𝗱𝗲𝗿𝘀𝘁𝗮𝗻𝗱 𝘁𝗵𝗲 𝘃𝗮𝗹𝘂𝗲 𝗼𝗳 𝗽𝗿𝗲𝘃𝗲𝘁𝘁𝗶𝗻𝗴 𝗮𝗱𝘃𝗶𝗰𝗲 and getting ahead of advice issues (before they walk out the door and cause breaches). Are you a: - Responsible Manager, - Compliance Manager, or - Practice Principal? * Want to know more about Fourth Line? * Would you like a demo of how Fourth Line can complement your existing compliance framework? Please feel free to contact Fourth Line's CEO Joel Ronchi on: 0408 056 679 or joel.ronchi@fourth-line.com.au David Travers Simon Quirk Dan Hunter Mark Bland Tony McDonald Paul Rogan (FAICD) Angus Elliott ----------------------------------- #regtech #financialadvice #advicecompliance #qualityadvicereview

Fourth Line would like to welcome Wealthyer Financial Services to our community of quality financial advice professionals. Thanks to Simon Cammiss, CFP®, and his team for choosing Fourth Line as their quality advice partner. We are honoured and privileged to be such an integral part of your advice monitoring and supervision framework. Wealthyer, like many other members of the Fourth Line Quality Advice Community, are embracing technology to ensure they are ahead of any advice issues and to help meet General Licensee Obligations under s912A of the Corporations Act. Fourth Line and its community members understand the traditional, backward-looking advice oversight process is broken because it only identifies advice issues after the horse has bolted. Proactive, forward-looking advice oversight is a must - and with technology as your partner, it is now possible. I would also like to thank Murray Swilks and Mark Stephen from Civitas Services for introducing Simon and his team to Fourth Line and acknowledge all the wonderful work Civitas does with self-licensed practices. If you are self-licensed, or thinking about becoming self-licensed, I recommend you reach out to Murray or Mark for an initial chat to explore how Civitas can help you. ----- Fourth Line has now grown to a 𝗰𝗼𝗺𝗺𝘂𝗻𝗶𝘁𝘆 𝗼𝗳 85+ 𝗗𝗲𝗮𝗹𝗲𝗿 𝗚𝗿𝗼𝘂𝗽𝘀, 𝗦𝗲𝗹𝗳-𝗹𝗶𝗰𝗲𝗻𝗰𝗲𝗱 𝗣𝗿𝗮𝗰𝘁𝗶𝗰𝗲𝘀, 𝗖𝗼𝗺𝗽𝗹𝗶𝗮𝗻𝗰𝗲 𝗖𝗼𝗻𝘀𝘂𝗹𝘁𝗮𝗻𝘁𝘀 𝗮𝗻𝗱 𝗶𝗻𝗱𝗶𝘃𝗶𝗱𝘂𝗮𝗹 𝗔𝗱𝘃𝗶𝗰𝗲 𝗣𝗮𝗰𝘁𝗶𝗰𝗲𝘀 𝘄𝗵𝗼 𝘂𝗻𝗱𝗲𝗿𝘀𝘁𝗮𝗻𝗱 𝘁𝗵𝗲 𝘃𝗮𝗹𝘂𝗲 𝗼𝗳 𝗽𝗿𝗲𝘃𝗲𝘁𝘁𝗶𝗻𝗴 𝗮𝗱𝘃𝗶𝗰𝗲 and getting ahead of advice issues (before they walk out the door and cause breaches). Are you a: - Responsible Manager, - Compliance Manager, or - Practice Principal? * Want to know more about Fourth Line? * Would you like a demo of how Fourth Line can complement your existing compliance framework? Please feel free to contact Fourth Line's CEO Joel Ronchi on: 0408 056 679 or joel.ronchi@fourth-line.com.au David Travers Simon Quirk Dan Hunter Mark Bland Tony McDonald Paul Rogan (FAICD) Angus Elliott ----------------------------------- #regtech #financialadvice #advicecompliance #qualityadvicereview

As we start October and the last quarter of 2024, Fourth Line would like to welcome Geoff Isaacs, Brandon Gilmour, and the team at TJL Business Advisors & Accountants to the Fourth Line Community and thank you for choosing us as your quality advice partner. Like many AFSLs, the team at TJL wants to get ahead of advice issues by having the ability to "prevet" advice before it walks out the door - "it just makes sense" (as Olaf from Frozen once said). It's clear from the conversation we have at Fourth Line with RMs, Compliance Managers, and Practice Principals that many licensees want to be able to "sleep at night" and not worry about 'advice skeletons' hiding in the closet. ** How can AFSLs prevet advice efficiently and affordably? ** By using technology - and that's where Fourth Line's Advice Monitoring & Supervision platform comes in. Are you a: - Responsible Manager, - Compliance Manager, or - Practice Principal? * Want to know more about the Fourth Line solution? * Would you like a **demo** of how Fourth Line can complement your existing compliance framework? Please feel free to contact me (Fourth Line's CEO Joel Ronchi) on: 0408 056 679 or joel.ronchi@fourth-line.com.au ------- We would also like to thank Mark Stephen and Murray Swilks from Civitas Services for introducing TJL to Fourth Line and acknowledge all the wonderful work Civitas Services does with self-licensed practices. If you are self-licensed, or thinking about becoming self-licensed, we recommend you reach out to Murray or Mark for an initial chat to explore how Civitas can help you. Fourth Line has now grown to a 𝗰𝗼𝗺𝗺𝘂𝗻𝗶𝘁𝘆 𝗼𝗳 85+ 𝗗𝗲𝗮𝗹𝗲𝗿 𝗚𝗿𝗼𝘂𝗽𝘀, 𝗦𝗲𝗹𝗳-𝗹𝗶𝗰𝗲𝗻𝗰𝗲𝗱 𝗣𝗿𝗮𝗰𝘁𝗶𝗰𝗲𝘀, 𝗖𝗼𝗺𝗽𝗹𝗶𝗮𝗻𝗰𝗲 𝗖𝗼𝗻𝘀𝘂𝗹𝘁𝗮𝗻𝘁𝘀 𝗮𝗻𝗱 𝗶𝗻𝗱𝗶𝘃𝗶𝗱𝘂𝗮𝗹 𝗔𝗱𝘃𝗶𝗰𝗲 𝗣𝗮𝗰𝘁𝗶𝗰𝗲𝘀 𝘄𝗵𝗼 𝘂𝗻𝗱𝗲𝗿𝘀𝘁𝗮𝗻𝗱 𝘁𝗵𝗲 𝘃𝗮𝗹𝘂𝗲 𝗼𝗳 𝗽𝗿𝗲𝘃𝗲𝘁𝘁𝗶𝗻𝗴 𝗮𝗱𝘃𝗶𝗰𝗲 and getting ahead of advice issues (before they walk out the door and cause breaches). ----- David Travers Simon Quirk Dan Hunter Mark Bland Tony McDonald Paul Rogan (FAICD) Angus Elliott ----------------------------------- #regtech #financialadvice #advicecompliance #qualityadvicereview

** STOP the press ** Fourth Line has signed up 14 new clients since the beginning of August 2024. These clients are typically: * Self-licensed practices * With an average of 8-12 Financial Advisers * Choose technology to get ahead of advice oversight obligations and meet their General Licensee Obligations under s912A of the Corporations Act. 31 AFSLs have joined the Fourth Line Community since the start of the 2024 Calendar Year (including the 14 since August). ** Why is Fourth Line so popular with AFSLs / Self-licensed Practices? ** It is simple - we remove the stress, uncertainty, and lack of oversight for the Licensee and replace it with calmness, certainty, and real-time oversight of every piece of financial advice generated by Advisers. ** Want to learn more about the Fourth Line Advice Monitoring & Supervision platform? ** Then please: * DM me Joel Ronchi * Call me 0408 056 679 * Email me joel.ronchi@fourth-line.com.au And I'd be happy to help.

Spring and the beginning of a new week have seen another AFSL join the Fourth Line quality advice community. Fourth Line would like to welcome Craig Leibbrandt, Aaron Wilkinson, and the Total Capital Management team and thank them for choosing Fourth Line as their quality advice partner. ** Why use Fourth Line? ** Simple - to avail of the power of "prevet". When financial advice is reviewed before it is presented to a client, it helps Responsible Managers and Licensees sleep at night. It also offers the ability to mitigate breach-reporting issues before they occur. ** How was TCM introduced to Fourth Line? ** TCM is a proud member of The Principals' Community (TPC) and was introduced to Fourth Line as part of the strategic partnership between Fourth Line and TPC. If you are self-licensed, or exploring becoming self-licensed, I highly recommend you contact Adam McGuren at The Principals' Community for a chat to explore how he can help. ** Would you like to know more about Fourth Line? ** If you are an AFSL or Advice Practice looking to get ahead of advice issues, please contact Fourth Line and join our 𝗰𝗼𝗺𝗺𝘂𝗻𝗶𝘁𝘆 𝗼𝗳 𝟴𝟬+ 𝗗𝗲𝗮𝗹𝗲𝗿 𝗚𝗿𝗼𝘂𝗽𝘀, 𝗦𝗲𝗹𝗳-𝗹𝗶𝗰𝗲𝗻𝗰𝗲𝗱 𝗣𝗿𝗮𝗰𝘁𝗶𝗰𝗲𝘀, 𝗖𝗼𝗺𝗽𝗹𝗶𝗮𝗻𝗰𝗲 𝗖𝗼𝗻𝘀𝘂𝗹𝘁𝗮𝗻𝘁𝘀 𝗮𝗻𝗱 𝗶𝗻𝗱𝗶𝘃𝗶𝗱𝘂𝗮𝗹 𝗔𝗱𝘃𝗶𝗰𝗲 𝗣𝗮𝗰𝘁𝗶𝗰𝗲𝘀 𝘄𝗵𝗼 𝘂𝗻𝗱𝗲𝗿𝘀𝘁𝗮𝗻𝗱 𝘁𝗵𝗲 𝘃𝗮𝗹𝘂𝗲 𝗼𝗳 𝗽𝗿𝗲𝘃𝗲𝘁𝘁𝗶𝗻𝗴 𝗮𝗱𝘃𝗶𝗰𝗲. Book an obligation-free demo of how Fourth Line can complement your existing compliance framework, and avail of our complementary pilot program which includes 2 FREE 2 client file revies. Please feel free to contact Fourth Line's CEO Joel Ronchi on: 0408 056 679 or joel.ronchi@fourth-line.com.au David Travers Simon Quirk Dan Hunter Mark Bland Tony McDonald Paul Rogan (FAICD) Angus Elliott ----------------------------------- #regtech #financialadvice #advicecompliance #qualityadvicereview

As we start another August week, Fourth Line would like to welcome Midsec Pty Ltd to its growing community of AFSLs, proactively monitoring the financial advice provided by aligned Financial Advisers. We would like to welcome Julia Skull and the team Midsec Pty Ltd for choosing Fourth Line as their quality advice oversight partner. The Fourth Line community proves there are moves afoot amongst many licensees to embrace 'prevetting of advice' and move away from the "traditional" random-selection, backward-looking advice audit process. (And stay tuned, there is more exciting news to come about other licensees joining the Fourth Line community). ** Why is Fourth Line so popular with Self-Licensed Practices? ** One word - "prevet". Licensees want to get ahead of any advice issues by prevetting advice. RMs and Practice Principals want to be able to "sleep at night" and not worry about 'advice skeletons' hiding in the closet. ** How can AFSLs prevet advice efficiently and affordably? ** By using technology, such as the Fourth Line's Advice Monitoring & Supervision platform. ------- We would also like to thank Mark Stephen and Murray Swilks from Civitas Services for introducing Midsec to Fourth Line and acknowledge all the wonderful work Civitas Services does with self-licensed practices. If you are self-licensed, or thinking about becoming self-licensed, we recommend you reach out to Murray or Mark for an initial chat to explore how Civitas can help you. Fourth Line has now grown to a 𝗰𝗼𝗺𝗺𝘂𝗻𝗶𝘁𝘆 𝗼𝗳 85+ 𝗗𝗲𝗮𝗹𝗲𝗿 𝗚𝗿𝗼𝘂𝗽𝘀, 𝗦𝗲𝗹𝗳-𝗹𝗶𝗰𝗲𝗻𝗰𝗲𝗱 𝗣𝗿𝗮𝗰𝘁𝗶𝗰𝗲𝘀, 𝗖𝗼𝗺𝗽𝗹𝗶𝗮𝗻𝗰𝗲 𝗖𝗼𝗻𝘀𝘂𝗹𝘁𝗮𝗻𝘁𝘀 𝗮𝗻𝗱 𝗶𝗻𝗱𝗶𝘃𝗶𝗱𝘂𝗮𝗹 𝗔𝗱𝘃𝗶𝗰𝗲 𝗣𝗮𝗰𝘁𝗶𝗰𝗲𝘀 𝘄𝗵𝗼 𝘂𝗻𝗱𝗲𝗿𝘀𝘁𝗮𝗻𝗱 𝘁𝗵𝗲 𝘃𝗮𝗹𝘂𝗲 𝗼𝗳 𝗽𝗿𝗲𝘃𝗲𝘁𝘁𝗶𝗻𝗴 𝗮𝗱𝘃𝗶𝗰𝗲 and getting ahead of advice issues (before they walk out the door and cause breaches). Are a: - Responsible Manager, - Compliance Manager, or - Practice Principal? * Want to know more about Fourth Line? * Would you like a demo of how Fourth Line can complement your existing compliance framework? Please feel free to contact Fourth Line's CEO Joel Ronchi on: 0408 056 679 or joel.ronchi@fourth-line.com.au David Travers Simon Quirk Dan Hunter Mark Bland Tony McDonald Paul Rogan (FAICD) Angus Elliott ----------------------------------- #regtech #financialadvice #advicecompliance #qualityadvicereview

You may have noticed a plethora of Self-licenced Financial Advice practices joining the Fourth Line Quality Advice Community. In fact, we have had 6 new licenses join in August alone! One licensee that recently joined is Abbotts Group. We would like to thank Amanda Kirkpatrick, John Donald, and the team at Abbotts for choosing Fourth Line as their advice monitoring and supervision partner. ** Why is Fourth Line so popular with Self-Licensed Advice Practice? ** One word - "prevet". Licensees want to get ahead of any advice issues by prevetting advice. RMs and Practice Principals want to be able to "sleep at night" and not worry about 'advice skeletons' hiding in the closet. ** How can AFSLs prevet advice efficiently and affordably? ** By using technology, such as the Fourth Line's Advice Monitoring & Supervision platform. Fourth Line has now grown to a 𝗰𝗼𝗺𝗺𝘂𝗻𝗶𝘁𝘆 𝗼𝗳 𝟴𝟬+ 𝗗𝗲𝗮𝗹𝗲𝗿 𝗚𝗿𝗼𝘂𝗽𝘀, 𝗦𝗲𝗹𝗳-𝗹𝗶𝗰𝗲𝗻𝗰𝗲𝗱 𝗣𝗿𝗮𝗰𝘁𝗶𝗰𝗲𝘀, 𝗖𝗼𝗺𝗽𝗹𝗶𝗮𝗻𝗰𝗲 𝗖𝗼𝗻𝘀𝘂𝗹𝘁𝗮𝗻𝘁𝘀 𝗮𝗻𝗱 𝗶𝗻𝗱𝗶𝘃𝗶𝗱𝘂𝗮𝗹 𝗔𝗱𝘃𝗶𝗰𝗲 𝗣𝗮𝗰𝘁𝗶𝗰𝗲𝘀 𝘄𝗵𝗼 𝘂𝗻𝗱𝗲𝗿𝘀𝘁𝗮𝗻𝗱 𝘁𝗵𝗲 𝘃𝗮𝗹𝘂𝗲 𝗼𝗳 𝗽𝗿𝗲𝘃𝗲𝘁𝘁𝗶𝗻𝗴 𝗮𝗱𝘃𝗶𝗰𝗲 and getting ahead of advice issues (before they walk out the door and cause breaches). Are a: - Responsible Manager, - Compliance Manager, or - Practice Principal? * Want to know more about Fourth Line? * Would you like a demo of how Fourth Line can complement your existing compliance framework? Please feel free to contact Fourth Line's CEO Joel Ronchi on: 0408 056 679 or joel.ronchi@fourth-line.com.au ------- We would also like to thank Stewart Chandler and David Huppert from AFSL Compliance for introducing Abbotts to Fourth Line and acknowledge the wonderful work they do with self-licensed practices. If you are self-licensed, or thinking about becoming self-licensed, we recommend you reach out to Stewart or David for an initial chat to explore how AFSL Compliance can help you. David Travers Simon Quirk Dan Hunter Mark Bland Tony McDonald Paul Rogan (FAICD) Angus Elliott ----------------------------------- #regtech #financialadvice #advicecompliance #qualityadvicereview

As we head into the H2-24, a long line of AFSLs are expressing interest in the proactive advice monitoring and supervision oversight offered by Fourth Line. hmh Advisory is one such licensee that is proactively engaging in the advice process and has recently joined the Fourth Line Advice Quality Community. For too long, too many licensees have relied on the "legacy approach" to advice oversight - that is, random-selection, backward-looking audit of advice already delivered to a client. ** Why is this a problem? ** Because the horse has bolted - any breaches or possible grounds for a complaint or Australian Financial Complaints Authority (AFCA) action have already occurred. These can't be undone. ** How to avoid this? ** Prevet advice - review every piece of advice before it walks out the door Fourth Line would like to thank Justin Wood CFP and the team at hmh Advisory for choosing Fourth Line as their quality advice partner. ------- We would also like to thank Mark Stephen and Murray Swilks from Civitas Services for introducing HMH to Fourth Line and acknowledge all the wonderful work Civitas Services does with self-licensed practices. If you are self-licensed, or thinking about becoming self-licensed, we recommend you reach out to Murray or Mark for an initial chat to explore how Civitas can help you. Fourth Line has now grown to a 𝗰𝗼𝗺𝗺𝘂𝗻𝗶𝘁𝘆 𝗼𝗳 𝟴𝟬+ 𝗗𝗲𝗮𝗹𝗲𝗿 𝗚𝗿𝗼𝘂𝗽𝘀, 𝗦𝗲𝗹𝗳-𝗹𝗶𝗰𝗲𝗻𝗰𝗲𝗱 𝗣𝗿𝗮𝗰𝘁𝗶𝗰𝗲𝘀, 𝗖𝗼𝗺𝗽𝗹𝗶𝗮𝗻𝗰𝗲 𝗖𝗼𝗻𝘀𝘂𝗹𝘁𝗮𝗻𝘁𝘀 𝗮𝗻𝗱 𝗶𝗻𝗱𝗶𝘃𝗶𝗱𝘂𝗮𝗹 𝗔𝗱𝘃𝗶𝗰𝗲 𝗣𝗮𝗰𝘁𝗶𝗰𝗲𝘀 𝘄𝗵𝗼 𝘂𝗻𝗱𝗲𝗿𝘀𝘁𝗮𝗻𝗱 𝘁𝗵𝗲 𝘃𝗮𝗹𝘂𝗲 𝗼𝗳 𝗽𝗿𝗲𝘃𝗲𝘁𝘁𝗶𝗻𝗴 𝗮𝗱𝘃𝗶𝗰𝗲 and getting ahead of advice issues (before they walk out the door and cause breaches). Are a: - Responsible Manager, - Compliance Manager, or - Practice Principal? * Want to know more about Fourth Line? * Would you like a demo of how Fourth Line can complement your existing compliance framework? Please feel free to contact Fourth Line's CEO Joel Ronchi on: 0408 056 679 or joel.ronchi@fourth-line.com.au Dave Travers Simon Quirk Dan Hunter Mark Bland Tony McDonald Paul Rogan (FAICD) Angus Elliott ----------------------------------- #regtech #financialadvice #advicecompliance #qualityadvicereview