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No matter who you are, or what walk of life you come from, we all have something in common - money. Whether you have a little or a lot, money will be at the top of the list for people to talk about, as Australia experiences its first real property downturn in over 10 years, and banks tighten lending conditions due to the Royal Commission into Financial Services.

While there have been many shocking revelations made to the Australian public because of the Royal Commission, there have also been some good outcomes. Namely, that moving forward people know it is the age of personal responsibility. No longer can people blindly trust institutions to have their best interests at heart. We all need to understand and manage our money with the knowledge that the decisions we are making are the right ones for our financial future. Here’s five ways this will play out in 2019.

  1. People will value and respect the educators. With knowledge comes power, and empowering people to understand money and what choices to make with it will become more of focus moving forward. Companies that continue to flog their own product at the expense of educating people will only build mistrust. Its the age of organisations investing in their customer’s knowledge.
  2. The downturn in property will drive people to understand other investment options. When there is no longer a gold mine to be made in investment properties, savvy investors will be looking to understand the stock market, fixed income and a whole range of other investment vehicles to make money. Again those with the clearest communication and authentic learning strategy will thrive in this era.
  3. Super funds will step up. In a world where the government tinkering with super rules is making people nervous, super funds themselves will lift their voice to their members, and create education and a platform of stability to keep peoples trust in their super high. We should see less emotive brand ads and more meaningful education via seminars and online.
  4. Financial advice will be overhauled. New education standards set for advisers will mean there will be an old guard who steps away from advice. The new breed of adviser will be highly educated and a trusted partner in getting people money fit. Those who find the right financial adviser will thrive.
  5. Personal debt will become a deal breaker for many Australians. With one of the highest household debt ratios in the world, many Australians will want to work their way out of a stressful debt situation. With no meaningful growth in wages, people will need new skills to help them rise from their personal debt. A strategy of unlearning money and beginning anew will help.

For both organisations looking at their strategy for their staff and their customers, and individuals looking to take control of the money, 2019 will be an important year to start the conversation and give people education they can trust and use. I am looking forward to talking to many of you in 2019 and beyond.

A massive thank you to you both for all your assistance from selecting to co-ordinating the speakers for our annual ProLoan conference. Feedback was that this year’s speakers where the best they had EVER heard at ANY event. So this is pretty amazing, because they do go to a lot of sessions like these.

Director of Network Relationships - Proloan (aust) pty ltd

Again this year you and your team have been fantastic and extremely helpful.  In regards to you Sharm, you have been an absolute star and phenomenal help with our speakers and presenters, a great communicator, wealth of knowledge and so prompt with responding and looking at ways to cater to our needs.

Event Manager Fitness Australia

I would recommend, without hesitation, the services of Jane Rowland Smith and Ovations. Jane answered a last minute call to arrange a guest speaker for our principals. Nothing was too much effort, all was arranged within hours, and went very smoothly. The guest speaker was exactly what we required and our brief was followed. Thank you Jane and the team at Ovations.

Executive Director of Schools Catholic Education Diocese of Parramatta

All aspects of the process has always gone seamlessly with Ovations and we will continue to seek your assistance for the awards in the coming years.

Thank you again, your help has meant that our Awards are very professional and extremely well received by our members and guests.

Executive Assistant BSCAA NSW Division

Jane, I personally want to thank you for all of your support, advice, patience and all round kindness that you have given me over the last 3 or so years.  This event would not have been as successful without the valuable MC’s you have recommended and the support you provided me when it all just seemed too hard

Shona Dilley – Smart School Awards, Department of Education
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