Retirement

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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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Downsizing is moving from a personal milestone to a system-level lever for Australia’s housing market. As policymakers court reforms and agents eye fresh listings, the real profit pools will accrue to businesses that orchestrate the entire downsizer journey—finance, tax, logistics and care—underpinned by responsible AI and transparent fees. The strategic question isn’t whether retirees will sell; it’s who captures the lifetime value across the transition. Here’s the playbook for turning a demographic inevitability into a defensible growth strategy.

" ["fulltext"]=> string(8250) "

The key implication: Unlocking housing stock via downsizing will reward firms that treat retirees as multi-year customers, not one-off transactions. Margins will favour companies that integrate advisory, funding and fulfilment, while using AI responsibly to cut friction and cost.

Market context: a demographic tailwind, with structural headwinds

Australia’s ageing population and constrained housing supply make downsizing both a social priority and a commercial opportunity. The latest system-level assessments point to rising economic, climatic and demographic pressures that add cost and complexity to housing delivery. In other words, even if listings rise, the cost base for moving, building and retrofitting is trending up. That raises the bar for businesses: to create value, they must remove friction and reduce total cost of transition, not just clip a fee.

Industry sentiment is pushing for policy tweaks to encourage moves from large family homes into smaller dwellings, freeing up supply. Expect more momentum behind stamp duty reliefs, planning flexibility and targeted advisory support. For business leaders, this is a classic timing question: build capability ahead of reform so you’re the default partner when incentives land.

Mapping the profit pools: beyond the sale

Downsizing triggers a chain of transactions: valuation, sale, financial advice, lending or equity release, legal work, tax planning, conveyancing, removals, renovations, and often health or aged care coordination. A value-chain lens shows margin concentration in three layers:

• Advice and structuring: Financial advice, tax planning and eligibility optimisation (e.g., treatment of proceeds, pension impacts). Australia’s consumer guidance emphasises transparency on fees and benefits; business models that package fixed-fee or capped-fee advice will build trust and velocity.
• Funding: Bridge loans, reverse mortgages and home equity release. Consumer education matters: government guidance highlights that equity-release products can impact future living costs. Providers that model long-run affordability and offer safeguards (e.g., no negative equity guarantees) will win.
• Fulfilment: End-to-end move management, downsizer-friendly renovations, and community placement. Concierge offerings create stickiness and referral flywheels.

For agencies, lenders, super funds and proptechs, the ROI case improves when you model customer lifetime value across multiple services rather than a single commission. Use cost–benefit analysis, but heed its blind spots: standard frameworks underweight hard-to-forecast variables like time-to-sell, health events and climate-related repair needs. Build scenarios (base, stress, upside) with sensitivity to settlement timing and price variance.

Digital distribution: own intent, or rent it from Google

Acquisition economics will be won at the search bar. The ACCC reported in December 2024 that Google retained about 94% share of general search in Australia. Practically, that means your cost of acquiring downsizer leads is tethered to one platform’s auction dynamics unless you diversify. The playbook:

• Own the query: Publish calculators (e.g., equity-unlock, stamp duty scenarios), checklists and localised guides. Utility content lowers customer acquisition cost and compounds SEO.
• Partner on distribution: Align with super funds, insurers and community organisations that already serve older Australians; co-branded funnels reduce dependence on paid search.
• Measure ruthlessly: Track cost-per-qualified-consultation, conversion to multi-service bundles, and post-settlement NPS. Retirees’ word-of-mouth remains the cheapest channel.

Responsible AI as an execution advantage

AI can compress the time and stress in downsizing: propensity modelling to identify likely sellers, LLM-driven document triage, personalised timelines and asset inventories, and fraud checks in conveyancing. But governance is now table stakes. The Australian Government’s 2024 policy for using AI in the public sector frames a leadership stance—“This policy will ensure the Australian Government demonstrates leadership in embracing AI to benefit Australians,” said Lucy Poole in August 2024—which sets expectations for private-sector custodians of sensitive data.

Two principles to operationalise:

• Human-in-the-loop advice: Keep AI-generated recommendations explainable and reviewed by licensed advisers, especially in financial products such as reverse mortgages and equity release.
• Data minimisation and provenance: Adopt governance patterns similar to the Australian Taxation Office’s AI oversight—document model purpose, data lineage and risk mitigations; log interventions and outcomes.

Australia’s AI ecosystem shows a gap in commercialisation relative to research strength. That’s an opening for proptechs and advisory platforms to turn existing models into regulated, revenue-grade workflows—where compliance, not the model, is the differentiator.

Implementation reality: friction points and fix-first opportunities

Where deals die: settlement misalignment, unclear fee stacks, and affordability surprises post-move. Fix them before scaling:

• Transparent fee architecture: Borrow from consumer finance guidelines—disclose advice fees and third-party benefits upfront. Offer comparison tables for bundled vs à la carte services.
• Liquidity bridges: Provide pre-qualified bridging finance with clear runway assumptions; model best- and worst-case sale timelines.
• Equity-release guardrails: Incorporate government guidance warnings directly into product design—stress-test for future medical and living costs; build in caps and counselling requirements.
• Climate-adjusted diligence: Reflect system-level climate cost trends in property reports—buyers increasingly demand it, and it reduces post-sale disputes.

Competitive strategy: build the “downsizer stack”

Think platform, not product. A defensible play bundles:

• Lead intelligence: Consent-based data to identify readiness triggers (empty nest, mobility needs).
• Integrated advisory: Tax, pension, and estate planning in one workflow with eID and digital signatures.
• Fulfilment network: Curated tradies, removalists, storage, and community living partners with service-level guarantees.
• Feedback loop: Post-move check-ins to surface cross-sell (insurance, home modifications) and referral opportunities.

Go-to-market options: build proprietary rails, white-label a fintech for funding, or pursue joint ventures with super funds. Use a partner matrix to decide where to own vs outsource based on regulatory burden and margin potential.

Outlook to 2030: policy catalysis and consolidation

Expect incremental policy changes to improve mobility of older homeowners, alongside persistent cost pressures from climate adaptation and construction. As volumes grow, the market will likely consolidate around platforms that deliver measurable stress reduction and cost transparency. Early movers with compliant AI, diversified acquisition beyond paid search, and fee models aligned to outcomes will set the standard.

Leadership agenda for the next 12 months:

• Stand up an AI-governed, human-in-the-loop advisory workflow and audit it quarterly.
• Publish a total cost of transition benchmark to build trust and differentiate on transparency.
• Secure two distribution partnerships that reduce dependence on search advertising.
• Pilot a concierge bundle with guaranteed timelines and climate-adjusted property reporting.

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Downsizing is moving from a personal milestone to a system-level lever for Australia’s housing market. As policymakers court reforms and agents eye fresh listings, the real profit pools will accrue to businesses that orchestrate the entire downsizer journey—finance, tax, logistics and care—underpinned by responsible AI and transparent fees. The strategic question isn’t whether retirees will sell; it’s who captures the lifetime value across the transition. Here’s the playbook for turning a demographic inevitability into a defensible growth strategy.

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Aware Super, one of Australia's largest industry super funds, has announced a pivotal appointment to its executive team, underscoring the growing importance of technology, data, and artificial intelligence (AI) in the financial sector. Richard Exton has been named Group Executive, Chief Technology and Data Officer, effective from 1 November 2025. In his new role, Exton will report directly to Aware Super's Chief Executive Officer, Deanne Stewart, as the company seeks to solidify its leadership in digital innovation and member services.

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The decision to elevate technology, data, and AI leadership to the executive level highlights Aware Super's commitment to leveraging these critical areas to enhance member outcomes and drive the fund's strategic priorities leading up to 2030. With a membership base of 1.2 million, Aware Super is focused on delivering superior digital experiences while maintaining robust cybersecurity measures.

"Aware is focused on maintaining our strong reputation as an industry leader in digital by continuing to enhance our personalised member experience and remaining vigilant about our cybersecurity protections," commented Deanne Stewart. The move to integrate technology leadership into the executive team reflects the fund's strategic vision to remain at the forefront of the rapidly evolving financial landscape.

Richard Exton, who has been with Aware Super for eight years, has been a key figure in the fund's transformative initiatives. His contributions include the 2023 insourcing of the fund's administration, which significantly enhanced its digital capabilities, and a platform modernisation effort that streamlined technology infrastructure by a third while boosting member self-service options. These initiatives have not only improved operational efficiency but also enriched the member experience, aligning with Aware Super's mission to deliver better retirement outcomes.

Under Exton's leadership, the 200-strong Technology team is set to further embed AI and digital innovation across the business. This strategic focus aims to provide even more personalised and secure digital experiences for members, ensuring that technology remains a core enabler of Aware Super's competitive advantage. "Richard’s leadership will continue to be instrumental as we accelerate our digital capabilities and ensure technology remains a key enabler of member outcomes and competitive advantage for Aware Super," added Stewart.

The emphasis on technology and data is also reflected in the fund's commitment to diversity within its workforce. Under Exton's guidance, female representation in Aware Super's Technology team has increased to 35%, showcasing the fund's dedication to fostering an inclusive workplace culture. His achievements have been recognised nationally, as he ranked #4 in Australia’s CIO50 Awards and led his team to be named Australia’s Best Technology Team for Culture in 2024.

Exton's extensive experience spans three decades in the global financial services industry, with senior technology roles at prominent institutions such as Macquarie Group, ANZ Bank, and Commonwealth Bank of Australia across the Asia-Pacific markets. His academic credentials include a Masters in Financial Technology from the University of New South Wales and a Graduate Certificate of Commercial Law from Deakin University. Additionally, he has completed executive education at Harvard Business School and the Australian Institute of Company Directors (AICD), equipping him with a robust foundation to lead Aware Super's technology strategy.

As Aware Super continues to evolve in a digital-first world, the appointment of Richard Exton as Group Executive, Chief Technology and Data Officer, marks a significant step in its journey. By prioritising technology, data, and AI, the fund is poised to deliver enhanced value to its members, supporting their retirement goals while reinforcing its position as a leader in the financial services sector.

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Aware Super, one of Australia's largest industry super funds, has announced a pivotal appointment to its executive team, underscoring the growing importance of technology, data, and artificial intelligence (AI) in the financial sector. Richard Exton has been named Group Executive, Chief Technology and Data Officer, effective from 1 November 2025. In his new role, Exton will report directly to Aware Super's Chief Executive Officer, Deanne Stewart, as the company seeks to solidify its leadership in digital innovation and member services.

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string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } } ["link"]=> string(107) "/retirement/superannuation/aware-super-elevates-tech-leadership-with-strategic-appointment-of-richard-exton" ["image"]=> string(105) "https://res.cloudinary.com/momentum-media-group-pty-ltd/image/upload/v1761005609/Richard_Exton_lubyre.jpg" ["image_alt"]=> string(80) "Aware Super elevates tech leadership with strategic appointment of Richard Exton" } [3]=> object(stdClass)#8824 (57) { ["id"]=> int(19050) ["title"]=> string(68) "Financial progress hinges on ambition, not income, says Stake Report" ["alias"]=> string(66) "financial-progress-hinges-on-ambition-not-income-says-stake-report" ["introtext"]=> string(418) "

Australia faces a financial turning point, with new research from online investment platform Stake revealing a nation divided into two distinct groups: the 'Starters', who invest and feel in control of their financial future, and the 'Stallers', who refrain from investing and feel constrained by their circumstances. This divide is not merely about income levels but is deeply rooted in mindset and ambition.

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The 2025 Stake Ambition Report, surveying over 2,000 Australians, highlights that while investing is recognised as a strategy for financial advancement, it also provides psychological benefits. The act of investing instils a sense of optimism and control over one's life. Starters are 41% more likely than Stallers to believe in their financial success, even in challenging economic conditions (69% vs. 49%). This trend of optimism is evident across all income brackets among Starters.

Despite these advantages, nearly half of Australians remain non-investors. A perceived lack of funds is the primary barrier for 56% of Stallers, even though 70% have contributed to their savings in the past six months. Notably, 36% of non-investors earning over $151,000 annually still feel they lack sufficient funds to invest, indicating that the issue lies not with financial resources but with ambition.

Matt Leibowitz, CEO and Founder of Stake, comments: “This research highlights the need for Australia to better equip everyone to feel confident in investing, especially in a tough economic environment where more Aussies feel left behind. Our mission is to close the ambition gap between Starters and Stallers by breaking down the barriers to investing and empowering them with an ambitious mindset. We call that the Investing EQ.”

Interestingly, 'mateship' emerges as a powerful motivator for Starters. The report shows that investors are more attuned to their peers' financial activities (54% vs. 44%), suggesting that witnessing peers take financial strides encourages Australians to transform personal ambition into tangible action. For Stallers, looking to friends for inspiration could provide the necessary push to overcome psychological barriers.

Sam Paul, Managing Director of The Behavioural Architects, explains why investors are more influenced by friends than family (36% vs. 32%): “This data reveals a psychological shift in who we trust for financial guidance. The traditional playbook that worked for our parents feels unrelatable in today's economy. Seeing friends and colleagues navigate similar challenges and still make financial progress provides powerful, relatable proof that it’s possible to get ahead, boosting confidence to back oneself.”

Ambitious Australians Challenge the Inheritocracy

Around half of Australia's younger generations (55% of Gen Z and 49% of Millennials) now believe that inheritance is more crucial than hard work, highlighting the impact of Australia's inheritocracy and signalling a rejection of hustle culture. Recognising the limitations of the traditional path to homeownership, younger Australians are not waiting for handouts. Instead, they are turning to investing to build wealth independently. The numbers reflect this shift, with 60% of Gen Z and Millennials investing, a 25% increase over Gen X and Boomers.

By actively investing, these younger Australians are carving out a new route to financial independence, gaining confidence along the way. Investors without homeownership are nearly twice as likely as non-investors to feel they can afford a home without an inheritance.

Matt Leibowitz adds: “In today’s economy, the goalposts are always shifting. Plans that worked in the past may fail today, and people are rightly questioning how to get ahead when the old rules no longer apply. Stake’s research shows that taking control of your finances through investing is more than just a path to financial stability; it’s a way to build resilience and optimism.”

Additional Insights from the Report

Confidence remains a significant barrier for women. Nearly a third (32%) of women who do not invest cite a lack of confidence in making investment decisions, compared to 22% of men. However, marriage often serves as a catalyst for women to start investing, suggesting that building a shared financial future and setting mutual goals motivates action.

Generational differences in trading activity are also notable. Over half of Gen Zs and Millennials engage in up to 24 trades a year, whereas most Boomers (69%) make fewer than three trades annually. Young Australians see asset ownership as crucial for financial advancement, with seven in ten Gen Zs and Millennials prioritising asset ownership over career progression, a sentiment shared by less than half of Boomers.

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Australia faces a financial turning point, with new research from online investment platform Stake revealing a nation divided into two distinct groups: the 'Starters', who invest and feel in control of their financial future, and the 'Stallers', who refrain from investing and feel constrained by their circumstances. This divide is not merely about income levels but is deeply rooted in mindset and ambition.

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Rest, one of Australia's largest profit-to-member superannuation funds, has announced the appointment of Marina Pasika as the Interim Head of Private Markets. This decision comes as the fund embarks on a recruitment process to find a permanent replacement following the departure of Simon Esposito.

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Marina Pasika, who has been with Rest since 2020, brings a wealth of experience to her new role. With over 15 years of investment expertise in private equity and alternative assets, Pasika has held senior positions at prestigious institutions including the Future Fund and Goldman Sachs. Her extensive background is expected to be a significant asset as she takes on the responsibilities of leading Rest's private markets strategy.

Since joining Rest, Pasika has been instrumental in enhancing the fund's private equity capabilities and reshaping its alternatives strategy. Her efforts have not gone unnoticed within the organisation. Michael Clancy, Rest’s Chief Investment Officer, expressed his confidence in Pasika's abilities, stating, “Congratulations to Marina on her appointment as Interim Head of Private Markets. She brings great leadership skills and deep experience, and I’m really pleased that she is stepping into the role in support of our more than 2 million members.”

Pasika's appointment is seen as a strategic move for Rest as it continues to navigate the complexities of private markets. Her dual role, which includes leading Rest’s Growth Alternatives team, underscores her pivotal position within the organisation. This dual responsibility is expected to provide continuity and stability during the transition period as the search for a permanent head is underway.

In her previous roles, Pasika has demonstrated a keen ability to manage and grow investment portfolios. Her experience at the Future Fund, one of Australia's largest sovereign wealth funds, and Goldman Sachs, a leading global investment banking, securities, and investment management firm, has equipped her with the skills necessary to drive Rest's private market initiatives forward. Her leadership in these roles has been marked by strategic foresight and a deep understanding of market dynamics.

The decision to appoint Pasika comes at a time when Rest is looking to strengthen its position in the private markets sector. With more than 2 million members relying on the fund for their retirement savings, the importance of having a strong leader at the helm of private markets cannot be overstated. Pasika's proven track record in investment management is expected to play a crucial role in achieving the fund's objectives.

Rest has been actively working to enhance its investment strategies, particularly in the realm of private equity and alternative assets. The fund's commitment to delivering strong returns for its members is reflected in its strategic appointments and the emphasis on building a robust investment team. Pasika's leadership is anticipated to provide the necessary guidance and direction to further develop Rest's private market investments.

As the interim head, Pasika will be tasked with overseeing a diverse portfolio and ensuring that the fund's investments align with its long-term goals. Her ability to navigate the complexities of private markets will be crucial in maintaining the fund's competitive edge and delivering value to its members.

While the search for a permanent head of private markets is ongoing, Rest's decision to appoint an experienced leader like Pasika demonstrates its commitment to maintaining stability and continuity in its investment strategies. Her appointment is a testament to the confidence that Rest's leadership team has in her capabilities.

Marina Pasika's appointment as Interim Head of Private Markets marks a significant step for Rest as it continues to strengthen its position in the investment landscape. With her extensive experience and proven leadership skills, Pasika is well-positioned to guide the fund through this transition period and beyond. As she steps into this pivotal role, the focus will be on leveraging her expertise to drive growth and deliver strong returns for Rest's members.

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Rest, one of Australia's largest profit-to-member superannuation funds, has announced the appointment of Marina Pasika as the Interim Head of Private Markets. This decision comes as the fund embarks on a recruitment process to find a permanent replacement following the departure of Simon Esposito.

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The introduction of the Payday Super bill to the Australian Parliament has sparked a significant response from the business community, particularly among small and medium-sized businesses (SMBs). Employment Hero, a leading employment management platform, has conducted new modelling that highlights the potential financial strain these businesses could face as they prepare to comply with the new legislation.

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According to Employment Hero's findings, there is a looming $124,000 working capital gap that SMBs will need to bridge in order to meet the government's Payday Super requirements. This gap could present a considerable challenge for many businesses, particularly as the 1 July 2026 implementation date draws nearer.

Ben Thompson, CEO of Employment Hero, expressed his support for the bill while acknowledging the hurdles it presents for SMBs. "Employment Hero welcomes the introduction of the Payday Super bill to the Australian Parliament. With the 1 July 2026 implementation date fast approaching, this legislation provides much-needed clarity and certainty for Australian businesses preparing for one of the most significant payroll and compliance reforms in decades," Thompson stated.

The bill, which aims to enhance payroll compliance, has been met with mixed reactions from the SMB sector. A survey conducted by Employment Hero among its customers reveals that 15% of SMBs are currently unaware of the Payday Super changes. Additionally, 32.5% of businesses indicated they would need to build cash reserves to remain solvent under the new regulations.

One of the more contentious points highlighted by the survey is the potential impact on pay cycles. More than 20% of businesses surveyed suggested they might need to change their pay cycles to accommodate the new superannuation requirements. This prospect is met with resistance from employees, with 84% opposing any changes to their current pay cycles.

Thompson emphasised the importance of practical implementation that takes into account the operational realities facing SMBs. "Employment Hero strongly supports the intention of the reform and has consistently advocated for practical implementation that recognises the realities of how small and medium businesses operate. We’re pleased to see some of the considerations raised with Treasury reflected in the bill and we look forward to continuing to consult as it progresses through Parliament," he noted.

As the deadline approaches, Employment Hero is committed to providing support to SMBs navigating these changes. Thompson highlighted the company's efforts to develop new technological solutions to aid businesses in managing the new requirements efficiently. "Our focus remains on supporting hundreds of thousands of small and medium-sized businesses (SMBs) through these changes with industry-leading technology. We are rapidly developing new solutions within our Employment Operating System to help employers manage Payday Super with ease, accuracy and confidence," he said.

The introduction of the Payday Super bill marks a significant shift in payroll compliance, and its impact on SMBs will be closely monitored as the implementation date approaches. While the bill aims to provide clarity and certainty, the financial and operational challenges it presents cannot be overlooked. As businesses prepare for these changes, the role of technology and supportive platforms like Employment Hero will be crucial in ensuring a smooth transition.

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• Yes

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The introduction of the Payday Super bill to the Australian Parliament has sparked a significant response from the business community, particularly among small and medium-sized businesses (SMBs). Employment Hero, a leading employment management platform, has conducted new modelling that highlights the potential financial strain these businesses could face as they prepare to comply with the new legislation.

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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)#9502 (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)#9262 (3) { ["data":protected]=> object(stdClass)#9272 (1) { ["relative"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#9269 (3) { ["data":protected]=> object(stdClass)#9264 (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)#9504 (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)#9265 (3) { ["data":protected]=> object(stdClass)#9267 (2) { ["filter"]=> string(0) "" ["maxlength"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#9266 (3) { ["data":protected]=> object(stdClass)#9260 (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)#9477 (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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int(2) ["label"]=> string(33) "Image Caption / Video description" ["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) "" } [3]=> object(stdClass)#9469 (33) { ["id"]=> int(3) ["title"]=> string(6) "Status" ["name"]=> string(6) "status" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) ["created_time"]=> string(19) "2020-06-20 01:45:26" ["created_user_id"]=> int(2351) ["ordering"]=> int(3) ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#9261 (3) { ["data":protected]=> object(stdClass)#9257 (1) { ["options"]=> object(stdClass)#9250 (2) { ["options0"]=> object(stdClass)#9256 (2) { ["name"]=> string(8) "Inactive" ["value"]=> string(1) "0" } ["options1"]=> object(stdClass)#9255 (2) { ["name"]=> string(6) "Active" ["value"]=> string(1) "1" } } } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#9258 (3) { ["data":protected]=> object(stdClass)#9254 (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)#9505 (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)#9253 (3) { ["data":protected]=> object(stdClass)#9295 (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)#9251 (3) { ["data":protected]=> object(stdClass)#9297 (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)#9480 (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)#9294 (3) { ["data":protected]=> object(stdClass)#9299 (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)#9296 (3) { ["data":protected]=> object(stdClass)#9301 (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(107) "/retirement/superannuation/payday-super-bill-introduces-new-challenges-for-smbs-reveals-employment-hero-ceo" ["image"]=> string(109) "https://res.cloudinary.com/momentum-media-group-pty-ltd/image/upload/v1760371270/Ben_headshot_2025_h5immf.jpg" ["image_alt"]=> string(81) "Payday Super bill introduces new challenges for SMBs, reveals Employment Hero CEO" } }