Luke Ho

Navigating High Interest as a Financial Consultant

Synopsis

Interest rates are at their highest levels in more than a decade, reshaping consumer behaviour, affordability, and decision-making. Many financial consultants struggle to maintain consistent sales as clients hesitate, delay decisions, or shift priorities. This workshop takes a historical and practical look at how high interest environments have played out in the past and what opportunities tend to emerge during such periods. By addressing common misconceptions and analysing real scenarios, consultants gain clarity on how to position themselves with credibility rather than fear. The session focuses on opportunity identification, effective pitching, and appropriate follow-up actions to support more stable and consistent advisory outcomes.

Target Audience

Financial consultants struggling to sell products in high interest rate environments. Financial consultants seeking to sell professionally through ethical value-add approaches.

Key Benefits

From fear to perspective: Participants view high interest environments as cyclical and manageable rather than purely restrictive. More confident and composed: Participants feel better equipped to advise clients during uncertainty without pressure or hesitation. Apply opportunity-driven conversations: Participants adjust how they position products, explain choices, and follow up with clients.

The Intelligent Financial Consultant’s Competitive Edge against Robos

Synopsis

Robo-advisors have rapidly captured a significant share of the investment market, diverting billions in assets away from traditional financial consultants in just a few years. Their growth has left many consultants uncertain about how to position themselves, particularly in challenging interest rate environments. This workshop provides an objective analysis of roboadvisors, examining both their strengths and their limitations. By understanding where automated solutions excel and where they fall short, consultants gain clarity on the enduring value of human advisory. The session focuses on credibility, historical perspective, and practical presentation skills that allow consultants to articulate their advantage clearly, ethically, and persuasively to clients.

Target Audience

Financial consultants struggling to sell products in high interest rate environments. Financial consultants seeking to sell professionally through ethical value-add approaches.

Key Benefits

Human advice still matters: Participants recognise that automation does not replace professional judgment, contextual understanding, and ethical guidance. Confident and credible: Participants feel more assured addressing client questions about roboadvisors without defensiveness or uncertainty. Position and present value clearly: Participants apply structured explanations to handle objections and grow investment conversations confidently.

Navigating the High Net Worth Market as a Newly Entering Consultant

Synopsis

Many financial consultants aspire to move upmarket, yet struggle due to unclear definitions, poor positioning, and misconceptions about High Net Worth individuals. This workshop demystifies what the HNW market truly is, how it behaves, and why traditional approaches often fail. By breaking down HNW segments, prospecting pathways, and common consultant pitfalls, participants gain a realistic and structured introduction to engaging this market. The session focuses on professional conduct, ethical value creation, and foundational strategies that help consultants build credibility, improve conversations, and increase closing effectiveness when working with High Net Worth clients.

Target Audience

Financial consultants struggling to sell effectively in high interest rate environments. Financial consultants seeking to sell professionally through ethical value-add approaches.

Key Benefits

From uncertainty to clarity: Participants develop a realistic understanding of what it takes to engage the HNW market successfully. Increased confidence and composure: Participants feel more assured when approaching higher-value prospects. Apply structured prospecting methods: Participants adjust how they initiate, position, and conduct HNW conversations.

How to Make the Traditional ILP Timeless

Synopsis

Traditional Investment-Linked Products remain one of the most misunderstood and controversial insurance solutions in the market, largely due to past misapplication and poor execution. This workshop takes an objective look at the origins, evolution, and current reality of traditional ILPs, separating flawed practices from sound concepts. By examining how traditional ILPs have been structured historically and how modern enhancements impact outcomes, participants gain a deeper appreciation of when and how these products can serve client needs effectively. The session focuses on ethical structuring, technical considerations, and practical insights that help restore trust, improve outcomes, and ensure traditional ILPs remain relevant and client-centric.

Target Audience

Consumers seeking to understand investment-linked products proposed to them. Financial consultants interested in ethical optimisation and responsible ILP design.

Key Benefits

From scepticism to clarity: Participants develop a balanced, objective view of traditional ILPs based on facts rather than past stigma. Increased confidence and assurance: Participants feel equipped to discuss and evaluate ILPs without uncertainty or hesitation. Apply ethical structuring principles: Participants design and evaluate ILPs more thoughtfully, prioritising client outcomes and transparency.

An Introduction to Understanding and Positioning Leveraged Income Products

Synopsis

Premium financing is often avoided due to perceived complexity and risk, yet when understood and applied correctly, it can be one of the most suitable income solutions for mass affluent and High Net Worth clients. This workshop provides a structured introduction to leveraged income products, focusing on both benefits and risks. By examining how leverage-allowable income products work, why leverage appeals to affluent clients, and how to position these solutions responsibly, consultants gain the knowledge and confidence to advise appropriately. Through professional analysis and clear explanation, the session helps consultants move beyond hesitation and approach premium financing with informed judgment and ethical intent.

Target Audience

Financial consultants entering the mass affluent or High Net Worth markets. Financial consultants seeking confidence in offering premium financed income products ethically.

Key Benefits

From avoidance to understanding: Participants view premium financing as a professional solution requiring knowledge, not fear. Greater confidence and assurance: Participants feel more comfortable discussing leveraged income products with clients. Present and explain responsibly: Participants begin positioning premium financed income solutions where appropriate, with clearer explanations and structured objection handling.