The app's opening screen — where the promises are made. Two years of daily use revealed a significant gap between what's marketed and what members actually receive. Written by Christopher Hall, AdvDipFP | Authorised Representative, AFSL 526688 | Updated July 2026 After two years of daily training — up to three sessions a day across cycling and running — AIA Vitality delivered modest real value and one large gap between what is promoted and what arrives: the top-tier flight di

Written by Christopher Hall, AdvDipFP | Authorised Representative, AFSL 526688 | January 2026 Australia's financial advice industry continues to contract following the latest education and experience compliance deadline, with 120 advisers still requiring action to meet regulatory standards as of early 2026. Key Compliance Figures Recent data from Padua Wealth Data and Professional Planner reveals that 120 advisers remain who either lack appropriate tertiary qualifications or

Written by Christopher Hall, AdvDipFP | Authorised Representative, AFSL 526688 | Updated August 2026 Australian life insurers do not reward long-term policyholders with loyalty discounts. The opposite is true. Families who hold policies for five or more years typically pay 30–50% more than a new customer would pay for equivalent coverage from the same insurer — a practice known as the insurance loyalty tax. Across more than 500 policy reviews, Arrow Equities has found the ave