Advice

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AMP Australia has a new man at its helm, with a former Sunsuper chief executive due to assume the reins this Friday and lead the strategic transformation of its advice and super business.

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AMP Australia announced in a statement on Friday the appointment of former Sunsuper CEO Scott Hartley as its new chief executive.

Mr Hartley, who was CEO of Sunsuper from 2014-19, will take over from Blair Vernon, who was the acting CEO of AMP Australia while an executive search was being conducted.

With Mr Vernon due to return to his previous role as CEO of AMP’s New Zealand Wealth Management business, Mr Hartley will report to AMP CEO Francesco De Ferrari and lead the strategic transformation of AMP Australia already in-flight across the business’ financial advice, superannuation and platforms.

“Scott has an excellent track record in transforming and growing wealth and investment businesses in Australia, and we’re delighted to welcome him to AMP,” said Mr De Ferrari.

“At Sunsuper he developed a collaborative and inclusive culture that drove the outstanding performance of the organisation. His appointment will strengthen our executive team as we drive forward our transformation of the business.”

Commenting on his appointment, Mr Hartley said: “I’m excited to be joining AMP at a pivotal time for the company. The business is in the midst of a transformation, to which I can bring my experience and capability.

“AMP has played an important role in the lives of many Australians for over 170 years, and I look forward to working with and developing the entire AMP Australia team to fulfill AMP’s purpose of helping its clients realise their ambitions.”

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Learn the best strategies in investing and options like cryptocurrency, bonds, mutual funds, property and stock market." ["secure"]=> int(0) ["page_description"]=> string(7) "nestegg" ["page_rights"]=> NULL ["robots"]=> NULL ["access-view"]=> bool(true) } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["displayDate"]=> string(19) "2020-12-10 23:05:26" ["slug"]=> string(36) "16137:amp-australia-appoints-new-ceo" ["parent_slug"]=> string(16) "284:invest-money" ["catslug"]=> string(10) "312:advice" ["event"]=> object(stdClass)#6396 (3) { ["afterDisplayTitle"]=> string(0) "" ["beforeDisplayContent"]=> string(0) "" ["afterDisplayContent"]=> string(0) "" } ["text"]=> string(373) "

AMP Australia has a new man at its helm, with a former Sunsuper chief executive due to assume the reins this Friday and lead the strategic transformation of its advice and super business.

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What can a financial adviser do for you? Learn the reasons why seeking professional advice can be a good thing for your finances.

Write comment (0 Comments) " ["fulltext"]=> string(7713) "

We hate spending money on things we can do by ourselves. The rise in popularity of the do-it-yourself mentality is partly because people can save money on tasks or things they think they can do better on their own. 

And managing money is no exception. When it comes to our finances, most of us start out thinking we can handle financial decisions without professional help.

However, as we enter the workforce and we go through different life events, we begin to wonder: Am I making the right financial choices? Am I saving enough money for retirement or to meet my financial goals? 

Additionally, Australia’s financial landscape is ever changing. The laws and regulations surrounding superannuation, taxation and investments are just some of the aspects where legislative changes are making it increasingly difficult to make the right financial decisions. When you’re starting to have these concerns, maybe it's high time to seek the help of a qualified financial adviser. 

A financial adviser is someone who gives professional financial advice to their clients. But they do so much more than that. They offer a wide range of services within their field of expertise to help you achieve your goals by providing a tailored and personalised financial plan.

Simply put, a financial adviser will help you reach your financial goals in the best way possible for you. However, there are a lot of people who fully realise the importance of working with a financial adviser. Some people think it’s too expensive or think it’s unnecessary to seek advise about money. Let’s look at the top reasons why maybe you should book an appointment with one today. 

Why do I need a financial adviser?

1. To help you with your overall financial plan

Some people think that a financial adviser’s job is only to invest their money in stocks, bonds and other assets. While that is one of their job descriptions, it is not the only service they offer. 

They can also work with you on a range of tasks that can help to keep you on track with your financial plan, including tax planning, rebalancing investments, estate planning, as well as spending and budgeting strategies. A good financial adviser will take the time to understand your needs, set your financial goals and create a comprehensive plan to help you achieve them. 

2. They keep your investment plan on track 

As you progress through your life and your income and assets begin to increase, you can start thinking about how to grow it rather than consolidate it. You then start to ask if your investment strategy will be effective in the long term. How much money should be in your super account at your current age to have a comfortable retirement? What investments should you choose to boost your super balance? Is your portfolio properly diversified, or do you need to change it when you get older? 

Even when your investments have been put in place, they should be monitored in case of market developments or if unexpected events push them off track. This is where a financial adviser comes in. They can keep your investment plan updated through regular reviews of what you’re doing and provide suggestions if you need to adjust your investment plan to incorporate new goals or remove or change existing ones. They can assess your investment’s performance against their peers and ensure that your portfolio allocation will not be affected as markets fluctuate.  

3. To help you with big financial decisions

Major life changes make people realise how much they don’t know about their financial lives and what it could cost them. Life events such as marriage, buying a house, child birth or a death in the family often trigger people to seek help in managing their finances. 

While major life events often motivate people to seek help from financial advisers, knowing what to do before they happen can be very valuable. Even if you think you’re too young to think about these life events, a financial adviser can help you take charge of your decision making. By laying out your long-term financial goals with an adviser and doing preparations in place for reaching them, major life events are less likely to derail you.  

4. To help you with retirement 

It’s never too early to think of retirement. If you’re clueless about where to start on your retirement planning, a financial adviser can guide you through the process. Financial planning usually includes a retirement plan. Your adviser will provide you with the proper recommendations to help you achieve your envisioned retirement. If you have already started investing towards your goals, your adviser will review your current situation and provide you with suggestions to reach your financial targets (e.g. sufficient retirement income). A financial adviser can help you maximise your earnings and save for retirement so that you don’t have to figure this out for yourself.

5. To save time and achieve peace of mind

Money is a complicated subject, and there are a lot of things you need to consider to protect it and make the most out of it. If a busy working professional doesn’t have time to oversee their investments, it can be a cause of stress. If you’re a retiree, you may always be worried if you are overspending or running out of money. Worries or disagreements about finances are among the top stressors for individuals and couples alike, so these issues are a real cause for concern. 

A financial adviser would give you the peace of mind you need when dealing with financial matters. Studies show that people who receive professional advice generally have a greater level of personal happiness and increased peace of mind. Additionally, having a comprehensive financial plan in place prevents arguments with loved ones, significantly lowering your stress and saving your time. And this is the true value of financial advice; it extends beyond measurable financial gains to healthier relationships and improved personal satisfaction. 

Conclusion

There are a lot of reasons people choose to work with a financial adviser. They can help you meet your financial goals and guide you through your financial journey. They can help you save money, invest wisely and retire comfortably (among other benefits). Most importantly, they can give you peace of mind or reduce your stress regarding financial matters, which makes working with a financial adviser worth it.

Don’t know how to find the right financial adviser for you? Read here to learn how. 

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What can a financial adviser do for you? Learn the reasons why seeking professional advice can be a good thing for your finances.

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It’s a common misconception that the time to seek financial advice is when you are approaching retirement. It’s never too early. Financially savvy families are increasingly turning to financial advisers to empower and educate them as they work towards their life goals. 

Write comment (1 Comment) " ["fulltext"]=> string(6498) "

I’ve been working as a financial adviser at ANZ for more than 10 years and I know from experience that the key to a great first appointment is preparation. When you walk out of your first meeting, you should feel confident that you’ve taken the first steps towards your financial goals – whether that’s achieving financial freedom, the lifestyle or retirement you want or growing your nest egg. 

So, here are my top five questions to ask in your first appointment: 

1. Research your adviser’s professional background

Even before you walk in the door, take some time to do some digging – whether that’s looking on your adviser’s website or LinkedIn profile. This is key because you want to work with an adviser who will prioritise you and your unique needs. 

Try to assess their depth of experience, expertise and skillset, to ensure that their background aligns with your financial goals and circumstances. Have they completed any relevant training that complies with FASEA (The Financial Adviser Standards and Ethics Authority)? Do they primarily work with a particular group of clients, such as retirees or business owners? Ensure that they are the right fit for you and your unique situation. Once you’ve done your research and you’re satisfied with their background, qualifications and experience you should go ahead and make that first appointment – otherwise keep looking! 

2. What’s your investment approach?

Take the time to listen to this answer – it’s important! Let your adviser explain their approach, their in-house investment philosophy, and their risk and asset allocation approach. After you leave, review their answers to ensure they align with your core values. For example, do you like to have some risk in your portfolio? Are you passionate about ethical investing? To avoid disappointment or frustration later on it’s important that your financial adviser’s approach to investment lines up with your core values, while still working towards your goals.

3. How do you measure success for clients?

This question will help you understand whether your adviser is committed to helping you achieve your life goals and improve your financial wellbeing. You can also ask whether they are assessed on customer satisfaction or sales figures. Do they receive a commission for recommending their own products or do they listen to your needs? These questions will help you understand whether the adviser will develop a plan as unique as you are to build your wealth. 

4. How will you navigate volatile markets?

To say that 2020 has been a stressful year would be an understatement; however, market downturns are a normal part of investing. In times like this, it’s very easy to make costly mistakes and snap decisions. Your financial adviser should bring an objective view and be capable of helping you steer through volatile markets to help you meet your financial goals. 

5. What’s your fee structure?

Financial advisers are there for the long haul, so it should be clear from the get-go how they structure their fees. For example, do they charge hourly, fixed fees, or on the complexity of the advice strategies? There are many options to choose from and there could also be tax benefits. So, make sure you ask this question upfront to avoid any confusion or misunderstanding down the line. It’s also important for the adviser to understand your financial situation so they can work towards your goals. 

By asking these five questions, when you walk out of your initial meeting, you should have a good sense of whether the financial adviser is the right fit for you. It’s important to find the right partner and be confident in your decision, so don’t be afraid to seek a second opinion. At ANZ, our financial advisers take time to get to know you, and we’re assessed on customer satisfaction, not sales.

Kon Mavrikios is an ANZ senior financial adviser.

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It’s a common misconception that the time to seek financial advice is when you are approaching retirement. It’s never too early. Financially savvy families are increasingly turning to financial advisers to empower and educate them as they work towards their life goals. 

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Australians are in need of affordable and accessible financial advice, with traditional expensive models likely to change, new research has revealed.

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Research commissioned by online investment manager Six Parks has found that the pandemic, subsequent economic downturn and the rapid increase in short-term speculative sharemarket activity by consumers mean that more Australians need advice than ever before.

While Australians need financial advice, Six Park’s co-CEO, Pat Garrett, said there simply aren’t enough financial advisers in Australia to provide the various types of help that is required to meet the current and future anticipated consumer needs.

“The pandemic has shown us that Australians really do need help with their money. Aussies flocked to the stock market, many as first-time investors, when the market response to COVID created perceived buying opportunities. This saw a number of authorities such as ASIC issue unprecedented warnings to Australians regarding day trading and reinforced what we’ve known for a long time – people are keen to invest, but many don’t necessarily know how to do it effectively,” Mr Garrett said.

“There is also an increasing number of Australians experiencing financial hardship as a result of COVID who need support with specific aspects of their financial needs rather than holistic advice at this point in time.”

The CEO also pointed to face-to-face aspects of traditional financial services changing, with people more willing to receive advice through online services.

“The Australian financial advice industry has been relatively slow to move beyond paper and face-to-face client interactions, but the pandemic has rapidly accelerated the way both advisers and consumers have embraced the online delivery of financial advice,” Mr Garrett said.

“To many people’s surprise, digital delivery of such services has proven to be not only easy and efficient, but also highly engaging and personal when delivered properly.”

The CEO said COVID-19 could be the final push for the financial industry to transform in a way that meets the needs of consumers today.

“We’re going to see the majority of consumers using affordable, modular, tech-led solutions for individual aspects of their financial lives, allowing face-to-face advice to be concentrated on more complex and detailed situations,” Mr Garrett said.

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Learn the best strategies in investing and options like cryptocurrency, bonds, mutual funds, property and stock market." ["secure"]=> int(0) ["page_description"]=> string(7) "nestegg" ["page_rights"]=> NULL ["robots"]=> NULL ["access-view"]=> bool(true) } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["displayDate"]=> string(19) "2020-10-27 01:26:09" ["slug"]=> string(42) "15920:is-traditional-financial-advice-dead" ["parent_slug"]=> string(16) "284:invest-money" ["catslug"]=> string(10) "312:advice" ["event"]=> object(stdClass)#6429 (3) { ["afterDisplayTitle"]=> string(0) "" ["beforeDisplayContent"]=> string(0) "" ["afterDisplayContent"]=> string(0) "" } ["text"]=> string(380) "

Australians are in need of affordable and accessible financial advice, with traditional expensive models likely to change, new research has revealed.

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Industry research has found that advisers generate an average 5.2 per cent more for their clients due to asset allocation and behavioural coaching.

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Russell Investments’ Value of an Adviser report found that advisers deliver value in five categories that go beyond investment advice, including asset allocation, correcting behaviour mistakes, adequately managing clients cash holding, setting and monitoring goals, and helping with tax structures.

Russell Investments director, head of business solutions, Bronwyn Yates said advisers have shown their worth during challenging times, including during the current COVID-19 pandemic.

“Our report shows advisers can play a critical role in helping investors avoid common behavioural tendencies and may potentially help their clients achieve better portfolio returns than those investors making decisions without professional guidance,” said Ms Yates.

The report found that advisers generated an average 2.2 per cent per year for clients through ensuring they bought and sold assets at the correct times in the market cycle, and 1.5 per cent through ensuring investments were made in tax-efficient structures such as super and transition to retirement.

A further 0.9 per cent was generated through asset allocation basics such as selecting the correct investment option in the client’s super fund, and 0.6 per cent by diversifying a client’s cash and fixed income holdings.

Russell Investments also observed that during the pandemic, many investors were so fearful of loss as markets fell that they switched predominantly to defensive assets or entirely to cash just prior to the market hitting its 17 March low, locking in substantial losses.

Using the example of an investor with $250,000, the report found that selling to cash on 16 March would have locked in losses of more than $50,000 versus a member with the same balance who stayed invested during the volatility, recovering almost $20,000 already by the end of May.

Russell Investments head of wholesale partnerships Neil Rogan also pointed to savings made through tax-effective recommendations.

“Tax-effective investing was the next biggest contributor, representing 1.5 per cent of added value. While tax is often considered the realm of the accounting profession, an adviser can also provide expertise on managing and optimising investment tax for their clients,” he concluded.

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Choosing an accountant solely based on price may not always be the best decision, a member of the profession has warned.

Write comment (4 Comments) " ["fulltext"]=> string(1981) "

Chartered accountant and director of CTBS Partners, Nadia Gupta, has acknowledged that a lot of Australians do choose an accountant based on “how much (or in fact how little) they charge”.

“This may not always be the best decision for you as, if an accountant is charging more, most often they are giving you the best guidance, too,” she advised.

Accountants “are more than just tax return preparers”, she commented.

“We can help you achieve not only financial goals but also your life goals – and help you set budgets and limits in a comfortable way.”

The accountant flagged a number of benefits that good accountants can provide, such as: knowledge around claimable deductions you may not be aware of, life plans, financial plans, budgeting measures to maximise savings and investments, as well as improving earning capacity.

But first thing’s first, when choosing that all-important adviser, it’s important for a taxpayer to be on the same page as their accountant, Ms Gupta stated.

“You need to be comfortable with your accountant, as they know one of your most personal details, being how much money you make,” she advised.

She conceded that “if you and your accountant don’t ‘click’, it will never be a great relationship”.

“Most of all, you need to feel you are being looked after, in good hands, and that your accountant is giving you tips and helping you grow, and in turn, make more money.”

Citing the words of David Bach, Ms Gupta said, “How much you earn has almost no bearing on whether or not you can and will build wealth. Regardless of the size of your pay check, you probably already make enough money to become rich.”

According to the accountant, you need a good team and a good support network “to grow”.

“Make sure you have the right one behind you as this will determine your success or failure,” she concluded.

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Choosing an accountant solely based on price may not always be the best decision, a member of the profession has warned.

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["description"]=> string(0) "" ["required"]=> string(1) "0" ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(16) "Related Articles" ["group_access"]=> string(1) "1" ["group_state"]=> string(1) "1" ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [9]=> object(stdClass)#6446 (32) { ["id"]=> string(1) "9" ["title"]=> string(17) "Third article URL" ["name"]=> string(17) "third-article-url" ["checked_out"]=> string(1) "0" ["checked_out_time"]=> string(19) "0000-00-00 00:00:00" ["note"]=> string(0) "" ["state"]=> string(1) "1" ["access"]=> string(1) "1" ["created_time"]=> string(19) "2020-07-08 05:42:42" ["created_user_id"]=> string(4) "2351" ["ordering"]=> string(1) "0" ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#6199 (3) { ["data":protected]=> object(stdClass)#6202 (1) { ["relative"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#6201 (3) { ["data":protected]=> object(stdClass)#6204 (10) { ["hint"]=> string(0) "" ["class"]=> string(0) "" ["label_class"]=> string(0) "" ["show_on"]=> string(1) "2" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["type"]=> string(3) "url" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> string(1) "3" ["label"]=> string(17) "Third article URL" ["description"]=> string(0) "" ["required"]=> string(1) "0" ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(16) "Related Articles" ["group_access"]=> string(1) "1" ["group_state"]=> string(1) "1" ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [4]=> object(stdClass)#6443 (32) { ["id"]=> string(1) "4" ["title"]=> string(9) "Video URL" ["name"]=> string(9) "video-url" ["checked_out"]=> string(1) "0" ["checked_out_time"]=> string(19) "0000-00-00 00:00:00" ["note"]=> string(0) "" ["state"]=> string(1) "1" ["access"]=> string(1) "1" ["created_time"]=> string(19) "2020-06-19 05:54:21" ["created_user_id"]=> string(4) "2351" ["ordering"]=> string(1) "1" ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#6203 (3) { ["data":protected]=> object(stdClass)#6206 (2) { ["filter"]=> string(0) "" ["maxlength"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#6205 (3) { ["data":protected]=> object(stdClass)#6208 (10) { ["hint"]=> string(0) "" ["class"]=> string(0) "" ["label_class"]=> string(0) "" ["show_on"]=> string(1) "2" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["type"]=> string(4) "text" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> string(1) "2" ["label"]=> string(9) "Video URL" ["description"]=> string(0) "" ["required"]=> string(1) "0" ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(22) "Summary points + video" ["group_access"]=> string(1) "1" ["group_state"]=> string(1) "1" ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [6]=> object(stdClass)#6444 (32) { ["id"]=> string(1) "6" ["title"]=> string(33) "Image Caption / Video description" ["name"]=> string(31) "image-caption-video-description" ["checked_out"]=> string(1) "0" ["checked_out_time"]=> string(19) "0000-00-00 00:00:00" ["note"]=> string(0) "" ["state"]=> string(1) "1" ["access"]=> string(1) "1" ["created_time"]=> string(19) "2020-06-25 16:29:55" ["created_user_id"]=> string(4) "2351" ["ordering"]=> string(1) "2" ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#6207 (3) { ["data":protected]=> object(stdClass)#6210 (2) { ["filter"]=> string(0) "" ["maxlength"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#6209 (3) { ["data":protected]=> object(stdClass)#6212 (10) { ["hint"]=> string(0) "" ["class"]=> string(0) "" ["label_class"]=> string(0) "" ["show_on"]=> string(0) "" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["type"]=> string(4) "text" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> string(1) "2" ["label"]=> string(33) "Image Caption / Video description" ["description"]=> string(0) "" ["required"]=> string(1) "0" ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(22) "Summary points + video" ["group_access"]=> string(1) "1" ["group_state"]=> string(1) "1" ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [3]=> object(stdClass)#6439 (32) { ["id"]=> string(1) "3" ["title"]=> string(6) "Status" ["name"]=> string(6) "status" ["checked_out"]=> string(1) "0" ["checked_out_time"]=> string(19) "0000-00-00 00:00:00" ["note"]=> string(0) "" ["state"]=> string(1) "1" ["access"]=> string(1) "1" ["created_time"]=> string(19) "2020-06-20 01:45:26" ["created_user_id"]=> string(4) "2351" ["ordering"]=> string(1) "3" ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#6211 (3) { ["data":protected]=> object(stdClass)#6217 (1) { ["options"]=> object(stdClass)#6215 (2) { ["options0"]=> object(stdClass)#6214 (2) { ["name"]=> string(8) "Inactive" ["value"]=> string(1) "0" } ["options1"]=> object(stdClass)#6216 (2) { ["name"]=> string(6) "Active" ["value"]=> string(1) "1" } } } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#6213 (3) { ["data":protected]=> object(stdClass)#6219 (10) { ["hint"]=> string(0) "" ["class"]=> string(9) "btn-group" ["label_class"]=> string(0) "" ["show_on"]=> string(0) "" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["type"]=> string(5) "radio" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> string(1) "2" ["label"]=> string(6) "Status" ["description"]=> string(0) "" ["required"]=> string(1) "0" ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(22) "Summary points + video" ["group_access"]=> string(1) "1" ["group_state"]=> string(1) "1" ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [5]=> object(stdClass)#6442 (32) { ["id"]=> string(1) "5" ["title"]=> string(22) " Essential information" ["name"]=> string(21) "essential-information" ["checked_out"]=> string(1) "0" ["checked_out_time"]=> string(19) "0000-00-00 00:00:00" ["note"]=> string(0) "" ["state"]=> string(1) "1" ["access"]=> string(1) "1" ["created_time"]=> string(19) "2020-06-25 06:10:20" ["created_user_id"]=> string(4) "2351" ["ordering"]=> string(1) "4" ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#6218 (3) { ["data":protected]=> object(stdClass)#6221 (4) { ["buttons"]=> string(0) "" ["width"]=> string(0) "" ["height"]=> string(0) "" ["filter"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#6220 (3) { ["data":protected]=> object(stdClass)#6223 (10) { ["hint"]=> string(0) "" ["class"]=> string(0) "" ["label_class"]=> string(0) "" ["show_on"]=> string(0) "" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["type"]=> string(6) "editor" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> string(1) "2" ["label"]=> string(22) " Essential information" ["description"]=> string(35) "3 points that summarize the article" ["required"]=> string(1) "0" ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(22) "Summary points + video" ["group_access"]=> string(1) "1" ["group_state"]=> string(1) "1" ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [2]=> object(stdClass)#6452 (32) { ["id"]=> string(1) "2" ["title"]=> string(14) "Embedded Video" ["name"]=> string(14) "embedded-video" ["checked_out"]=> string(1) "0" ["checked_out_time"]=> string(19) "0000-00-00 00:00:00" ["note"]=> string(0) "" ["state"]=> string(1) "1" ["access"]=> string(1) "1" ["created_time"]=> string(19) "2020-06-20 01:43:32" ["created_user_id"]=> string(4) "2351" ["ordering"]=> string(1) "5" ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#6222 (3) { ["data":protected]=> object(stdClass)#6225 (4) { ["buttons"]=> string(0) "" ["width"]=> string(0) "" ["height"]=> string(0) "" ["filter"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#6224 (3) { ["data":protected]=> object(stdClass)#6227 (10) { ["hint"]=> string(29) "Paste your embedded code here" ["class"]=> string(0) "" ["label_class"]=> string(0) "" ["show_on"]=> string(1) "2" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["type"]=> string(6) "editor" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> string(1) "2" ["label"]=> string(14) "Embedded Video" ["description"]=> string(0) "" ["required"]=> string(1) "0" ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(22) "Summary points + video" ["group_access"]=> string(1) "1" ["group_state"]=> string(1) "1" ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } } ["link"]=> string(75) "/invest-money/advice/how-to-choose-an-accountant-according-to-an-accountant" ["image"]=> string(55) "images/article-826x550/accountant-client-meeting-ne.jpg" ["image_alt"]=> string(27) "How to choose an accountant" } }