Retirement

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In a landmark development for the Australian workforce, the recently passed Payday Super legislation is set to transform the retirement landscape for countless part-time and casual workers. Rest, one of Australia's largest profit-to-member superannuation funds, has been a vocal advocate for these changes, which promise to align superannuation payments with payroll cycles.

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Tyrone O'Neill, Chief Strategy Officer at Rest, highlighted the significance of this legislative milestone. "Thanks to these significant reforms, these members will soon receive their super at the same time they’re paid," he stated. "They will receive a meaningful financial benefit through the compounding returns on more frequent contributions."

The legislation addresses a longstanding issue for many workers who are paid their Superannuation Guarantee (SG) contributions less frequently than their regular wages. This delay in super contributions has historically disadvantaged part-time and casual workers, impacting their ability to maximise retirement savings through compounding interest.

O'Neill elaborated on the benefits of the reform, noting that aligning SG payments with payroll cycles will simplify the process for workers. "Aligning Superannuation Guarantee payments with payroll cycles will also make it easier for members to track their contributions, which is particularly important for those whose working hours vary week to week," he explained.

The passage of this legislation has been met with widespread approval from various stakeholders. Rest has lauded the government and the Australian Parliament for their commitment to improving retirement outcomes for workers. "We congratulate the Government and the Australian Parliament on passing this legislation and look forward to continuing to work with employers and industry on implementing the changes," O'Neill said.

The Australian Taxation Office (ATO) has already taken steps to facilitate the transition to the new system. A draft guidance on compliance has been released to assist employers in preparing for the first year of these reforms, which are set to commence on 1 July 2026. The ATO's proposed compliance approach is designed to be supportive rather than punitive. Employers who demonstrate a genuine effort to comply with the new requirements from 1 July 2026 to 30 June 2027, and who resolve any issues quickly, "should not be the focus of ATO compliance action," according to the draft guidance.

Rest has been proactive in preparing for these changes, working closely with employers to ensure a smooth transition. The organisation is in the process of finalising a new, simple, and compliant solution to facilitate the implementation of Payday Super. This initiative underscores Rest's commitment to supporting both employers and employees as they navigate the new landscape.

The introduction of Payday Super is poised to have a profound impact on the retirement savings of part-time and casual workers, who make up a significant portion of the Australian workforce. By ensuring that super contributions are made in tandem with salary payments, the legislation aims to enhance financial security and retirement outcomes for these workers.

As the July 2026 implementation date approaches, employers and employees alike are encouraged to familiarise themselves with the upcoming changes. The collaboration between superannuation funds, employers, and the government will be crucial in ensuring that the transition is seamless and beneficial for all parties involved.

In the words of Tyrone O'Neill, the Payday Super legislation represents a significant step forward in achieving a fairer retirement landscape for all Australians. "We also welcome the Australian Taxation Office releasing a draft guidance on compliance to assist employers preparing for the first year of these reforms," he remarked, emphasising the collaborative effort required to bring these changes to fruition.

As the countdown to implementation begins, the focus will be on education and preparation, ensuring that the benefits of more frequent super contributions are fully realised by those who stand to gain the most.

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In a landmark development for the Australian workforce, the recently passed Payday Super legislation is set to transform the retirement landscape for countless part-time and casual workers. Rest, one of Australia's largest profit-to-member superannuation funds, has been a vocal advocate for these changes, which promise to align superannuation payments with payroll cycles.

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With the Payday Superannuation Bill officially passing through Parliament, Australian businesses are now less than eight months away from a major shift in how superannuation contributions are made — and three Australian technology leaders are joining forces to help employers meet the new seven-day deadline.

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To prepare for the reform, employment management platform Employment Hero has partnered with account-to-account payments provider Zepto and superannuation messaging provider OZEDI to build a first-of-its-kind embedded clearing solution that reduces compliance risk and administration for small and medium-sized businesses (SMBs).

The collaboration marks a key milestone in Employment Hero’s new embedded super clearing tool, HeroClear, which will launch in Q1 2026, ahead of the 1 July 2026 reform. The platform eliminates manual steps and delays between payroll and super funds, providing employers with verified, real-time proof of payment within the required seven-day window.

HeroClear integrates OZEDI’s SuperStream connection to verify fund details before payment and Zepto’s real-time payment technology, powered by Australia’s New Payments Platform (NPP), to transfer contributions instantly. Built directly into Employment Hero’s payroll system, the solution removes the need for separate clearing houses or banking portals — systems that currently rely on bank transfers taking up to three business days.

Without this automation and live status visibility, many employers risk breaching the seven-day rule without realising it, exposing them to potential penalties — including the 60 per cent administrative uplift — even when delays stem from third-party fund or gateway errors.

Employment Hero CEO Ben Thompson said the partnership aims to help small businesses manage the transition while parts of the ecosystem are still catching up.

“The final Bill expects SMBs to get Payday Super right from the outset, even while parts of the system that employers rely on are still being upgraded,” Mr Thompson said.

“At the same time, hundreds of thousands of SMBs will need to move off the ATO’s Small Business Superannuation Clearing House (SBSCH), set to close 1 July 2026. That’s a big ask, especially when you consider the 60 per cent increase in admin overheads and $124,000 cashflow impact the average SMB will face on day one.”

“That’s why we’re building the solutions to make compliance practical even before the 1 July deadline. We’re proud to partner with like-minded innovators, Zepto and OZEDI, in our move to embed super clearing directly into Employment Hero Payroll. By validating fund details up-front, moving money in real-time, and providing live confirmations and a single audit trail, SMBs will see fewer errors, faster settlement and clear proof of action to meet new requirements. That means better outcomes for business and employees alike.”

Chris Jewell, President and Co-Founder at Zepto, said the partnership showcases how technology can simplify compliance under the new system.

“Employment Hero is showing what’s possible under the new Payday Super framework, taking a proactive, technology-first approach that gives Australian businesses confidence to meet these new expectations,” Mr Jewell said.

“At Zepto, we’re passionate about enabling dynamic, data-rich payment flows that move beyond the limitations of traditional banking systems. After processing Australia’s first real-time super payment with OZEDI in 2023, we’re proud to extend that innovation through this partnership with Employment Hero. By embedding Zepto’s real-time payment solutions within HeroClear, Employment Hero is leading the way for Australian businesses — unlocking automation, transparency and instant settlement that make compliance faster, simpler and more reliable.”

David Field, Director at OZEDI, said the initiative represents a turning point for superannuation infrastructure.

“OZEDI has been in the business of handling large volumes of superannuation contribution data since 2013. The industry-wide process has remained largely unchanged for more than a decade but technology, such as the NPP and our new data and payee verification services, creates a whole new experience for employers,” Mr Field said.

“The integration of OZEDI’s services with Employment Hero’s advanced technology and vision plus Zepto’s NPP payment services has created a benchmark for the industry.”

By embedding an automated end-to-end workflow directly into payroll, HeroClear consolidates clearing, payments, fund verification and tracking into one platform — eliminating the need for separate portals and manual uploads.

The partnership supports the policy goal of Payday Super: improving retirement outcomes for Australian workers while ensuring small businesses can meet the new compliance requirements from day one.

Businesses can find updates and resources at employmenthero.com/payday-super.

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With the Payday Superannuation Bill officially passing through Parliament, Australian businesses are now less than eight months away from a major shift in how superannuation contributions are made — and three Australian technology leaders are joining forces to help employers meet the new seven-day deadline.

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Aware Super has announced the appointment of Simon Warner as Chief Investment Officer, effective 1 December 2025, following a competitive global search to replace outgoing CIO Damian Graham, who announced his intention to step down in May.

" ["fulltext"]=> string(1858) "

Mr Warner, who joined Aware Super in 2023 as Head of Portfolio Management, will lead the fund’s 160-person investment team, which manages $205 billion in member savings across equities, fixed income, infrastructure, property and private equity.

Aware Super Chief Executive Officer Deanne Stewart said Mr Warner’s appointment would ensure the continuity of the fund’s investment strategy and governance frameworks.

“Simon has demonstrated exceptional leadership during his two years at Aware Super, contributing to our track record of delivering outstanding returns for members,” Ms Stewart said.

“He has significant global experience, deep expertise across public and private markets, a strong focus on governance and risk management, and a proven ability to lead large, high-performing teams.”

Ms Stewart said Mr Warner’s leadership would further strengthen Aware Super’s investment capability as it continues to grow.

“As we continue to grow, I am confident that Simon’s leadership will enable us to further strengthen our exceptional in-house investment team’s capability and ensure we’re delivering the best possible outcomes for our members’ retirement savings,” she said.

Prior to joining Aware Super, Mr Warner held a number of executive roles, including global head of public markets at AMP Capital, and global CIO/co-head of global equities and fixed income. He also held senior positions at JP Morgan Chase across London, Singapore and Sydney, including as CIO for Australia and New Zealand.

Mr Warner holds a Global Executive MBA from TRIUM (NYU Stern, LSE and HEC Paris) and Master’s and Bachelor’s degrees in economics from the London School of Economics. He has served on several boards and is a current director of Women in Banking and Finance.

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• Yes

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Aware Super has announced the appointment of Simon Warner as Chief Investment Officer, effective 1 December 2025, following a competitive global search to replace outgoing CIO Damian Graham, who announced his intention to step down in May.

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string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } } ["link"]=> string(88) "/retirement/superannuation/aware-super-appoints-simon-warner-as-chief-investment-officer" ["image"]=> string(121) "https://res.cloudinary.com/momentum-media-group-pty-ltd/image/upload/c_crop,ar_4:3/v1762161522/simon-warner-1_rfk659.webp" ["image_alt"]=> string(61) "Aware Super appoints Simon Warner as Chief Investment Officer" } [3]=> object(stdClass)#8948 (57) { ["id"]=> int(19204) ["title"]=> string(87) "Rest launches Retire Ready digital experience to empower members approaching retirement" ["alias"]=> string(87) "rest-launches-retire-ready-digital-experience-to-empower-members-approaching-retirement" ["introtext"]=> string(206) "

Rest, one of Australia’s largest profit-to-member superannuation funds, has unveiled a new digital experience aimed at making retirement preparation simpler and more personalised for its members.

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The Rest Retire Ready experience streamlines how pre-retirement members can access the fund’s tools, services, and educational content, helping guide them towards support tailored to their needs. The launch is accompanied by a new brand campaign designed to highlight how Rest is supporting Australians over 50 as they prepare for retirement.

Rest’s Chief Member Officer Simone Van Veen said the Retire Ready experience was developed in collaboration with the fund’s advice and superannuation specialists, following direct member feedback. It forms part of Rest’s broader strategy to help members achieve the best possible retirement outcomes.

“At Rest, our more than 2 million members are at the heart of everything we do and we’re focused on understanding their unique situations, while supporting them to reach the future they see for themselves in retirement,” Ms Van Veen said.

“While we are the number-one fund for young Australians at the start of their working life, we also represent around 350,000 members aged 50 and older. This makes us a top-10 fund for members nearing or in retirement.”

Ms Van Veen said Rest’s research showed many members find preparing for retirement daunting, particularly when balancing cost-of-living pressures and caring responsibilities.

“Our members tell us they don’t always know where to start when it comes to preparing for retirement and it should be simpler and more relevant to their individual circumstances,” she said.

“When we stand in our members’ shoes, we know planning for the future can feel complex. Knowing where to start can often seem daunting. Rest Retire Ready is designed to provide that gateway into a deeper retirement conversation.”

Accessible via Rest’s website, the new experience invites members to complete a short digital questionnaire that curates personalised recommendations from Rest’s library of articles, videos, podcasts, webinars, calculators, and digital advice tools.

“This new digital journey is all about putting the unique needs of our diverse membership first – offering tailored guidance and connecting members to the right support at the right time,” Ms Van Veen said.

“We’ve designed this experience to be flexible, accessible, and based on real member feedback. Through this experience, we are aiming to empower our members to make confident decisions for their future.”

The Rest Retire Ready platform can also connect members with Rest’s three-layer advice model, which includes educational resources and calculators, digital intra-fund advice, and personal advice from phone-based advisers.

Rest’s digital advice tools are now used around 30,000 times each year — representing about 85 per cent of all member advice interactions. While younger members make up the largest group of users overall, older members are the most engaged users on a per-member basis.

The launch is supported by a retro-themed campaign that draws on nostalgia and confidence to inspire members to take positive steps towards a secure retirement. Rest said further enhancements and advice integrations are planned as part of a phased rollout.

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Rest, one of Australia’s largest profit-to-member superannuation funds, has unveiled a new digital experience aimed at making retirement preparation simpler and more personalised for its members.

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Employment Hero chief executive Ben Thompson has urged the federal government to introduce a phased rollout and reciprocal safeguards to support small businesses as the Payday Super reform approaches implementation.

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Mr Thompson said the proposed reform — which will require employers to pay superannuation contributions at the same time as wages — must “succeed the first time” to avoid operational and financial disruption across the small-business sector.

“Payday Super is a reform that must succeed the first time. If execution falters, workers miss out and employers wear the cost,” Mr Thompson said.

“Employment Hero supports the Bill and is leading in the development of the infrastructure and resources for compliance. Still, the current settings expect employers to bear the full operational and cashflow impacts on day one, while the rest of the system on which employers rely is still being upgraded.”

According to Employment Hero’s modelling, the average small and medium-sized business will require around $124,000 in additional working capital under Payday Super.

Mr Thompson said that with less than 12 months before the deadline and no phase-in period for smaller employers, many remain uncertain about how to comply.

“That’s out of step with past reforms, like STP, FDV leave and Paid Parental Leave that recognise the realities of running a small business,” he said.

He warned that employers could face penalties for delayed payments caused by third-party fund or gateway errors, exposing small businesses to fines and compliance risks beyond their control.

“Payday Super should proceed with two pragmatic safeguards to ensure it succeeds: a short phase-in for the smallest employers and reciprocal obligations on funds to reduce the risk of penalties for businesses for delays they cannot control,” Mr Thompson said.

“These small but practical changes to the Bill will help the reform succeed, protecting workers’ retirement savings while supporting the viability of Australia’s small businesses.”

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Employment Hero chief executive Ben Thompson has urged the federal government to introduce a phased rollout and reciprocal safeguards to support small businesses as the Payday Super reform approaches implementation.

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A ground-breaking framework introduced by the Actuaries Institute promises to revolutionise how Australians access financial support, potentially transforming the financial wellbeing of millions. The Help, Guidance and Advice (HGA) framework, unveiled today, is designed to provide a structured approach that enables financial institutions to deliver a broad spectrum of affordable and quality support to their customers.

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Andrew Gale, an experienced non-executive director and chair of the Institute’s HGA Working Group, emphasises the framework's potential to democratise access to financial advice. “Middle Australia stands to benefit most because comprehensive personal advice is out of reach for many, but help, guidance and specific purpose simple advice at pivotal moments would significantly improve their financial wellbeing,” Gale asserts.

The HGA framework is poised to cater to the diverse needs of Australians, offering everything from basic financial facts to detailed advice on retirement planning and other financial matters. Gale notes, “Our framework provides the architecture that will enable millions of people of all ages to receive support in different levels of complexity and that fits their individual needs.”

With a significant wave of retirees anticipated in the coming decade, the framework's timing is critical. Many Australians nearing retirement face challenges in accessing full, comprehensive financial advice due to cost and complexity. The HGA framework aims to fill this gap by offering targeted help and guidance on common issues such as Age Pension entitlements and strategies for managing superannuation.

Gale highlights the framework's potential impact on younger Australians as well, who often require assistance with consolidating superannuation accounts, budgeting, and selecting appropriate life insurance. By providing scalable and cost-effective support, the HGA framework could enhance financial literacy and decision-making across various demographics.

The development of the HGA framework involved extensive consultation with key stakeholders, including superannuation funds, consumer groups, and industry bodies. The Institute’s paper, "Financial Advice Reform and Help, Guidance and Advice," outlines the framework's potential to expand the capacity of financial advisers, accountants, superannuation funds, and digital tools to offer support. This expansion could benefit an estimated 710,000 Australians planning to retire within the next five years.

A significant aspect of the HGA framework is its potential to address regulatory challenges in the financial advice sector. Gale points out that current regulations fail to differentiate between simple guidance and comprehensive planning, treating all financial advice as equally complex. “Guidance currently operates in a regulatory grey area between Help and Advice. It provides an important bridge between providing someone with basic financial information and personalised advice. It is widely seen as a scalable and cost-effective mechanism for delivering meaningful support,” Gale explains.

The framework advocates for greater regulatory and legislative recognition of guidance, enabling superannuation funds and their trustees to provide more certain support to their members. Gale adds, “We would like to see greater regulatory and legislative recognition for Guidance so, for example, super funds and their trustees have more certainty in the support they can provide their members.”

The Actuaries Institute is optimistic about the forthcoming Delivering Better Financial Outcomes (DBFO) legislation, which is expected to play a crucial role in enhancing access to affordable financial help and guidance. Gale acknowledges the DBFO reforms as a positive step but suggests that further regulatory reform will be necessary to fully leverage the potential of guidance within the financial advice landscape.

As the financial advice sector continues to evolve, the HGA framework represents a significant stride towards bridging the advice gap in Australia. By offering a structured approach to financial support, it holds the promise of improving the financial wellbeing of Australians across different life stages, empowering them to make informed decisions with confidence.

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• Yes

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A ground-breaking framework introduced by the Actuaries Institute promises to revolutionise how Australians access financial support, potentially transforming the financial wellbeing of millions. The Help, Guidance and Advice (HGA) framework, unveiled today, is designed to provide a structured approach that enables financial institutions to deliver a broad spectrum of affordable and quality support to their customers.

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NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(16) "Related Articles" ["group_access"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [9]=> object(stdClass)#9573 (33) { ["id"]=> int(9) ["title"]=> string(17) "Third article URL" ["name"]=> string(17) "third-article-url" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) ["created_time"]=> string(19) "2020-07-08 05:42:42" ["created_user_id"]=> int(2351) ["ordering"]=> int(0) ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#9362 (3) { ["data":protected]=> object(stdClass)#9401 (1) { ["relative"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#9356 (3) { ["data":protected]=> object(stdClass)#9364 (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":protected]=> string(1) "." } ["type"]=> string(3) "url" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> int(3) ["label"]=> string(17) "Third article URL" ["description"]=> string(0) "" ["required"]=> int(0) ["only_use_in_subform"]=> int(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"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [4]=> object(stdClass)#9571 (33) { ["id"]=> int(4) ["title"]=> string(9) "Video URL" ["name"]=> string(9) "video-url" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) ["created_time"]=> string(19) "2020-06-19 05:54:21" ["created_user_id"]=> int(2351) ["ordering"]=> int(1) ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#9383 (3) { ["data":protected]=> object(stdClass)#9392 (2) { ["filter"]=> string(0) "" ["maxlength"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#9365 (3) { ["data":protected]=> object(stdClass)#9412 (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":protected]=> string(1) "." } ["type"]=> string(4) "text" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> int(2) ["label"]=> string(9) "Video URL" ["description"]=> string(0) "" ["required"]=> int(0) ["only_use_in_subform"]=> int(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"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [6]=> object(stdClass)#9559 (33) { ["id"]=> int(6) ["title"]=> string(33) "Image Caption / Video description" ["name"]=> string(31) "image-caption-video-description" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) 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object(stdClass)#9376 (2) { ["options0"]=> object(stdClass)#9363 (2) { ["name"]=> string(8) "Inactive" ["value"]=> string(1) "0" } ["options1"]=> object(stdClass)#9391 (2) { ["name"]=> string(6) "Active" ["value"]=> string(1) "1" } } } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#9409 (3) { ["data":protected]=> object(stdClass)#9384 (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":protected]=> string(1) "." } ["type"]=> string(5) "radio" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> int(2) ["label"]=> string(6) "Status" ["description"]=> string(0) "" ["required"]=> int(0) ["only_use_in_subform"]=> int(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"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [5]=> object(stdClass)#9469 (33) { ["id"]=> int(5) ["title"]=> string(22) " Essential information" ["name"]=> string(21) "essential-information" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) ["created_time"]=> string(19) "2020-06-25 06:10:20" ["created_user_id"]=> int(2351) ["ordering"]=> int(4) ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#9407 (3) { ["data":protected]=> object(stdClass)#9430 (4) { ["buttons"]=> string(0) "" ["width"]=> string(0) "" ["height"]=> string(0) "" ["filter"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#9390 (3) { ["data":protected]=> object(stdClass)#9432 (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":protected]=> string(1) "." } ["type"]=> string(6) "editor" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> int(2) ["label"]=> string(22) " Essential information" ["description"]=> string(35) "3 points that summarize the article" ["required"]=> int(0) ["only_use_in_subform"]=> int(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"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [2]=> object(stdClass)#9579 (33) { ["id"]=> int(2) ["title"]=> string(14) "Embedded Video" ["name"]=> string(14) "embedded-video" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) ["created_time"]=> string(19) "2020-06-20 01:43:32" ["created_user_id"]=> int(2351) ["ordering"]=> int(5) ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#9429 (3) { ["data":protected]=> object(stdClass)#9434 (4) { ["buttons"]=> string(0) "" ["width"]=> string(0) "" ["height"]=> string(0) "" ["filter"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#9431 (3) { ["data":protected]=> object(stdClass)#9436 (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":protected]=> string(1) "." } ["type"]=> string(6) "editor" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> int(2) ["label"]=> string(14) "Embedded Video" ["description"]=> string(0) "" ["required"]=> int(0) ["only_use_in_subform"]=> int(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"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } } ["link"]=> string(82) "/retirement/planning/new-framework-aims-to-bridge-australia-s-financial-advice-gap" ["image"]=> string(124) "https://res.cloudinary.com/momentum-media-group-pty-ltd/image/upload/v1761608893/pexels-shvets-production-7545279_epg3be.jpg" ["image_alt"]=> string(63) "New Framework Aims to Bridge Australia’s Financial Advice Gap" } }