THE LEDGER BLACK BLOG
Articles on practice management, client experience and the technology behind financial advice in New Zealand.
LATEST ARTICLE
Most of the work around the advice now happens on its own. Here's what that looks like in an NZ advice firm on Ledger Black, and what's left for the adviser.
Agentic AI · Automation · Practice Management · FMA Compliance · New Zealand
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While advice tech raced to build a better note taker, something bigger happened. A full agentic platform now runs an NZ advice firm end to end: pipeline, fact finds, meetings, quotes, advice documents, compliance trail and client comms, executed and checked by the system itself.
Agentic AI · Automation · Practice Management · New Zealand · AI for Advisers
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Template-heavy Statements of Advice that could apply to any client are a known regulatory concern in New Zealand. Here is how to tell whether your SOAs are genuinely personalised, and how to fix it without doubling your drafting time.
Statement of Advice · SOA · FMA Compliance · Advice Quality · New Zealand
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Client meeting documentation is one of the FMA's clearest expectations and one of the most commonly skipped tasks in NZ advice practices. Here is why file notes get skipped, what a good one looks like, and how meeting capture is changing the economics.
Record-Keeping · File Notes · FMA Compliance · Meeting Capture · New Zealand
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The fact-find is the foundation of compliant financial advice in New Zealand, and it is also the step where most client engagements stall. Here is why the traditional approach fails and what advisers are doing instead.
Fact-Find · Client Experience · Financial Advisers · New Zealand · Advice Process
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Every time a financial adviser uses an AI tool with client information, that data takes a journey most advisers have never considered. With the NZ regulatory landscape tightening around offshore data and AI accountability, it is time to start asking where that journey ends.
AI Privacy · Data Sovereignty · Financial Advisers · New Zealand · Privacy Act 2020 · FMA Compliance
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Generic CRMs like Salesforce and HubSpot weren't designed for NZ financial advisers. Here's why the gap between generic tools and NZ regulatory requirements is becoming impossible to ignore.
CRM · Financial Advisers · New Zealand · FMA Compliance · Practice Management
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How New Zealand financial advisers can use technology to automate FMA compliance obligations including record-keeping, Statement of Advice generation, and audit trail management under the Financial Markets Conduct Act 2013.
FMA Compliance · Automation · Financial Advisers · New Zealand · Regulation
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