Welcome back to Talking Returns.

This week, we tackle some pretty interesting stuff - including handy resources spoken about in the episode.

Finfluencers are under the microscope. ASIC are cracking down on influencers who produce and publish finance and investment style content. They are called 'Finfluencers'. We talk about the red flags to look out for when it comes to content in the finance world, and what you should be aware of when consuming this content.

Handy Resources:

ASIC Financial Advisor Register (Australian Securities and Investments Commission) - Find an authorised, registered and relevant financial advisor on ASIC's register, check they have qualifications and appropriate employment history to service you.

https://www.asic.gov.au/regulatory-resources/financial-services/financial-advice/financial-advisers-register/

ASIC Banned and Disqualified Register: Make sure your advisor is not banned or disqualified: https://www.asic.gov.au/online-services/search-asic-registers/banned-and-disqualified-registers/

FAAA Find a Planner (Financial Advice Association Australia): Find a Certified Financial Planner who is qualified to service you and can support your needs. https://faaa.au/find-a-planner

Our brand new segment 'Diaries from the Bottom Line' tackles the issue of confidence and how it can be shaken by the instability happening in the world.

'Dear Raymond' returns - this week Rob is keen to have those first important conversations about money with their partner, ahead of moving in together. Ray encourages a sit down at the kitchen bench, to get on the same page. What to do if you feel you need extra support in facilitating those conversations.

Money Smart Resources:

How to do a budget: https://moneysmart.gov.au/budgeting/how-to-do-a-budget

Budget planner tool: https://moneysmart.gov.au/budgeting/budget-planner

Simple Money Manager tool: https://moneysmart.gov.au/budgeting/simple-money-manager

The Important Disclaimer: Talking Returns is a podcast and is general information only. It does not constitute professional advice, and you should not make any financial decisions based on our conversations here. The important thing to remember is your financial journey is personal, and it’s essential you seek professional guidance from your own licensed advisor before taking any action. A licensed advisor will be able to provide you with specific guidance and by doing so, you will have access to a range of consumer protections including advice from someone who has the proper educational qualifications, someone who is operating with ethical standards, as well as formal complaints resolution benefits.