Every investment advisor knows it.
They’ve spent years — possibly decades — building genuine expertise.
Sure, they understand markets, risk profiles, tax structures, and the subtle art of steering a client away from a decision they’ll regret. They are knowledgeable professionals.
But why does their advice read at times like a compliance manual?
It’s not their fault. It’s known as the Curse of Knowledge- They have trouble spelling it out for clients because they can no longer remember what it felt like not to understand a franking credit, a rebalancing trigger, or the difference between a growth and balanced fund. And then, they also need communication skills.
This is why they need a copywriter.
Here are 7 things to tell clients in today’s Australian market:
Yes, clients are anxious. Interest rates have reshaped the financial landscape over the past few years, cost-of-living pressures are real, and the news cycle is relentlessly unsettling. Here’s what they need to hear.
1. Don’t panic-sell in a high-rate environment
Volatility is uncomfortable, but the investment advisor needs to tell clients it’s not the same as loss. They need to remind them that sAustralians who stayed invested through previous downturns almost universally came out ahead of those who didn’t.
The discipline of doing nothing is one of the most valuable things an advisor provides. A copywriter picks out clients who are more at risk and ensures they speak to them first if market events are sudden and moving quickly.
A copywriter lets clients know the advisor is available to discuss any concerns and will consider scheduling meetings to review their portfolios and financial situations.
2. Revisit the mortgage offset strategy
With interest rates at levels not seen in over a decade, the maths on mortgage offsetting has changed significantly. On the face of it, redirecting surplus cash into an offset account rather than an investment account represents a guaranteed, tax-free return equivalent to a mortgage interest rate. That’s worth running the numbers on.
In 2026, continued cost‑of‑living strains for vulnerable Australians, rising debt and ongoing geopolitical tensions are adding volatility and uncertainty. In simple terms, geopolitical risk refers to international conflict or instability that has the potential to disrupt the global economy and financial markets. This can include war, trade conflict, supply chain disruption, cyber-attacks or political polarisation.
Recent global events, such as the Middle East conflict, have reinforced how quickly geopolitical tensions can surface and spill over into financial markets, contributing to heightened market volatility and uncertainty for investors.
3. Maximise super contributions before 30 June
Salary sacrifice and personal deductible contributions remain among the most powerful tax-reduction tools available to Australians — and the end of financial year deadline creates urgency. If clients haven’t optimised this yet, now is the time.
Salary packaging is usually more effective for people on middle to high incomes (as their marginal tax rate is higher). You may want to get professional tax advice to work out if salary packaging is right for clients.
4. Take term deposits seriously again
For clients with conservative risk profiles or short time horizons, term deposits are back in the conversation. Some are offering rates exceeding 5% per annum — levels that make them a legitimate capital preservation tool rather than a last resort. That doesn’t mean abandoning growth assets, but it does mean the portfolio construction conversation has new variables.
A copywriter creates performance reports, articles, whitepapers, web copy and more on portfolios, covering equities, fixed income, real estate, infrastructure as well as alternative assets. They are familiar with both public and private markets and the investment vehicles by which investors access them.
They are on hand to provide regular investment reporting based on attribution analysis or stakeholder interviews, to translate your expertise into attention-grabbing thought leadership or to make complex topics accessible to a range of audiences.
5. Review insurance inside super
Millions of Australians are either paying for group insurance cover inside their super fund that doesn’t suit their circumstances. And some are dangerously underinsured and don’t know it.
A proper review of life, total and permanent disability, and income protection cover can free up super balance, close critical gaps, or both. TPD insurance can be bought on its own or packaged with life cover. If it’s packaged, life cover may be reduced by any amount paid out on a TPD claim. Check the PDS or ask your insurer.
6. Diversify beyond Australian equities
The ASX is heavily weighted toward financial stocks and resources. That concentration has served investors well at times — but it’s also a vulnerability. Exposure to international markets, particularly in the US and Asia-Pacific, provides sector diversification that the domestic market simply can’t offer on its own.
Global investing over recent years has moved firmly into the mainstream. Australian investors – both institutional and retail – and their advisers are looking beyond domestic borders for diversification, growth, and opportunity.
7. Have the estate planning conversation — now
Rising property values and growing superannuation balances mean a significant number of Australians now have estates worth protecting, even if they’ve never thought of themselves as “wealthy.” Reviewing beneficiary nominations, updating wills, and establishing powers of attorney are no longer things only the affluent need to worry about. If your clients don’t have these in order, they’re leaving decisions to the state. Life is dynamic, and the Will should mirror these transformations.
Major life events—such as marriage, divorce, the birth of children or grandchildren, or the passing of loved ones—can significantly impact how clients wish to distribute assets. Regularly updating a client’s will can ensure that it accurately reflects current family dynamics and intentions.
If your clients’ eyes are glazing over, it’s not your knowledge that’s the problem — it’s the translation.
Leon Gettler is a specialist finance and business writer who knows how to take complex financial concepts and turn them into content your clients will actually read, understand, and act on.
📞 Call Leon on 0411 745 103
✉️ Email leon@leongettler.com
