#408 Daniel Nel – Transcript

James Wrigley
Hello, welcome back to another episode of the podcast. I’m James Wrigley. And I’ve got the pleasure of speaking with Daniel Nel today from Tribeca Financial. Thank you for joining me. As I said before we pressed record lots of people that both I know in, you know, so you gotta get Dan on, you got to get Dan on your feet. Yeah, not so. Here we are no pressure. But welcome to the podcast. Thanks for joining me.

Daniel Nel
No, thank you, James. It’s a massive pleasure to be here. I don’t know if if, if it’s, um, that interesting. But it surely surely fun in a, in a massive privilege to be speaking to you today here.

James Wrigley
I think it’s going to be an interesting chat. And it is you said before we press record, it’s it’s kind of just your life. So maybe you don’t think it’s quite so interesting. But you bet you have what I think is anyway, really interesting paths to becoming a financial advisor here in Australia, then actually started overseas. And I know very little of the story and on purpose, because I want to hear it kind of firsthand from you, and maybe ask you some questions as we get into it. So maybe let’s start briefly with like, what are you doing day here in Australia? And then we’ll go back to how did you actually end up here what what you’re doing today?

Daniel Nel
Right? So I’m a financial advisor, got promoted recently worked for Tribeca financial, as you said, and you know, I am I’m just seeing clients starting starting my journey as a financial advisor in Australia. So yep, since since ISIS in July, been working with and for tropical, now a little bit more than a year and a half. Before that, I worked with someone we both know very well and Nathan fradley. He started working for him in middle of 2021, while online while still in South Africa.

James Wrigley
Yeah. So what are you doing? So we are working as a financial advisor in South Africa, what we are doing in South Africa before you before you join NATO?

Daniel Nel
So I am, I was working as a financial advisor of Africa been doing that for a little bit more than 13 years now. I am still a licensed financial advisor over there as well, so licensed in both South Africa as well as Australia

James Wrigley
hit what what made you used to work for an Australian business? Okay, how did that happen?

Daniel Nel
That’s I think that’s probably the the interesting part. I mean, being a financial advisor over the, for so long, I think the best way to describe it is Have you heard of the concept iki guy, the Japanese concept of a good guy. So that’s it. Like I said, that is the intersection of what you love, what you’re good at what the world needs and what you can get paid for. So it was in I think it was 27 tene, just a year after I got married, thinking, Okay, what do I want to do? I’m a financial advisor been living in Bloemfontein. And while I was kind of lived my whole life, I was like, I want to do something more. I want to kind of be more. And I was thinking, Well, I love financial planning. It’s awesome. And I was thinking, Well, what can I do? That’s hard. Looking at the current, you know, economic climate in South Africa, people immigrating to Australia, where I can kind of own my craft as a financial planner somewhere else. Australia was kind of an easier fit than most other countries English, it’s not my first language, but at least I can kind of get by on English as a second language. And I kind of just started looking into it, say, Okay, what do I need to do become a financial planner, and in Australia, I was a CFP back there. So I’m a CFP back. So Africa, postgraduate, everything else done over there. And I kind of reached out to a few universities over a year online, got in touch with unbelievably helpful dean at Queensland University, center, central Quinten University. She She helped me out immensely, Julie, Dr. Julie knuts. And she kind of put me on a journey where I was able to understand better what I needed to do to become a financial advisor that was at that stage, I think, I don’t know if it just before that, or after that, at some stage during that whole period of mine in 2018 2019. It moved to having Australian financial planners needing to have a full qualification to be a financial planner. So she said that I would need to do at least a postgraduate, which I got four subjects off as recognition of prior learning, that’s basically the investment stuff, which is pretty much international, but I needed to do for full, you know, postgrads subjects in us. I did that during 2019. Online hard, or word ly that’s hard subordination. The first time I opened the book and I saw superannuation as like, what is super attenuation? So that was a bit of a bit of a mission getting less done strange

James Wrigley
in that you have been like, obviously, you know, different countries have different regulations and so forth. But you know, you’re 13 years into a career as a financial adviser. And then almost starting as if you’re an 18 year old finishing high school going, what? What the hell is this thing?

Daniel Nel
Exactly? got shut down. Because what happens is you I mean, you wouldn’t know if you’ve been doing something for so long, you kind of get this. I think I know what I’m doing. Yeah. And, and, and, but that’s what I was looking for. I wanted to challenge myself. And when I started, you know, with this journey, and started studying and finding and learning more about how Australian financial planning work, I was like, Okay, this is going to be hard. It’s, it’s not going to be easy, but it’s what I sign up for. So I did the four subjects in 2019. Got the qualification, great stuff. Now Now I’m going to become a financial planner in Australia would have gone to Queensland, in in 2020. March that the biometrics because you have to get a visa Queensland State, got a Queensland State sponsorship number with the state said, Okay, they’ll sponsor my visa or our visa to go and work in the Gulf Coast. And at that stage, it was the weekend before COVID. And this Sunday, that the biometrics last step that’s needed to kind of, you know, get your visa approved everything else, and our borders shut down in 2020. So, you know, that’s at that stage kind of, as a financial planner in South Africa, we kind of I kind of moved away from from business back home, because what happened is, we had a kind of a big ish financial planning firm with my dad, I worked him as he retired, I said, No, don’t worry about it, you, you do your you do your thing. You know, I’m gonna go to Australia, with my wife, then. And we’ll, we’ll kind of I’m not gonna go into the, you know, into the family kind of side of business. Yeah. And there was 2020, not a lot of clients on the book, because, you know, I just kind of kept kind of keep that the family, the people that you close friends, because I knew that I won’t have the capacity necessarily, once I move over to Australia to act dude, to efficiently service my clients back home full. Anyways. So what happened is COVID started, obviously, you know, one week or so to spread, just kind of kept going. And it was, it was a funny thing. At one stage in 2021 of the providers in South Africa, they kind of they had a a online tutorial thing kind of for their financial advisors, where a guy spoke then you said what you need to do as a financial planner, you need to see yourself as a read as someone that is more someone that you kind of have an online footprint for that you that you that when people search for your name, James Wrigley, they can see who you all I can understand what you’re about. And that’s kind of how you, you, you set yourself up as a financial planner and online world. That got me thinking, if I’m stuck in South Africa, not knowing when the borders going to open up, I need to put myself out there. And I started just on LinkedIn, I wasn’t getting on LinkedIn before then I didn’t see any need on it. No need for it. I started just connecting with people just reaching out, reaching out reaching out, all the while waiting for the borders to open up got to go to a site or a network. I’ve never heard of x y advisors. It’s like, Okay, interesting concept. join, join, join them. And this obviously now this kind of went over to 2021 while I’m trying to kind of build a network of people that I can kind of just learn from in Australia, because I got worried that I got my qualification in the end of 2019. This is now 20 End of 2020 slumming 2021 Who’s going to employ this stuff African guy with no Australian Financial Planning experience wants the borders open up. And I’ll never forget this because I was posted on on XYZ, the wrong wall. Emily sent me a message afterwards, like thank you for joining x y. Right to have you Yep. But we really didn’t post any things like this on the main wall. But what what I asked one when I said on that on this post of mine once, this is who I am, I’m in South Africa, I’m qualified to provide financial advice, but I don’t have any experience willing to work for free. I just want to get some experience. And Nathan fredley sent me a message back and as Nathan is the first thing he said number one, don’t work for free. And is number two, I might need someone let’s chat. So we kind of started talking And I think I probably can’t overstate the immense help is been along the way to get to Melbourne where I am now. Obviously not in, in in the Gold Coast where I would have gone. But what happened is that we were ensemble now and XY then kind of put me in touch with Nathan. Nathan said, Okay, well, I’ll give this African shot, I started working for him on a contract basis just doing admin work, you can say, basically, you know, the first day? Well, I should, I should probably say, he said to me, Well, you don’t really have to work Australian hours. Because it’s nine hour time difference, it’s going to be hard. I say to him, thank you appreciate it. But I think, for me to get most value out of your knowledge, I’m going to have to work your hours. So kind of that mean, getting up at quarter post? Well, I’d started working at 1am. And while the thing is, I wouldn’t say that, I kept thinking that it’s okay, in a couple of weeks, the portal will open up just a few more weeks, a few more months, it’s gonna open up, you know, soon. But that was that was the commitment. And I think that kind of ties back to what I said about, you know, the iki guy, what was my purpose, because I kind of decided way back when when I started this whole journey in 2018, was that this is what I want to do. I want to do something hard and see what I can be if I really give it a go. So getting caught up was 12. And I started working with one wasn’t really that hard, it was hard, because I kind of have to had to figure out a way to be functional. Just because your brain is it does things to your brain, which is weird, you know. And at first morning when I when I got the knife, I was like, Okay, please call Nate wealth not and it’s like, who’s named Well, yeah, that’s like I had to google make mouth as this is this is like, and it’s just things like that, because you’re the first stage of of this. And then like you said, it’s like an 18 year old or just finished studies, you start working definition minutes. And that’s what it was. for me. It’s like I had no idea what I was doing. And no matter if you have the qualification, it’s the practical small things that kind of gets you work

James Wrigley
experience. You can’t Yes, you can pass up that work, the importance of that work experience that comes with it. So how long did you do that for? How long were you getting up at midnight? Just after midnight? And in the early hours?

Daniel Nel
More than a year and a half? Just over a year and a half? Yeah, yeah. Because what happened was that as I started working with Nathan, his business got got bought by Tribeca. That December. And I had a had an interview with Ryan, CEO of Tribeca, and he is like, Okay, you seem dedicated. We’ll give you a go. You know, Ryan, obviously, being being the visionary he is he’s like, Well, we’ll let’s let’s give it a go. Why not? And yeah, I did that a few months later. He said, We think we will we can work with you. How about you don’t go to the Gulf Coast, and we’ll give you employer sponsorship. And you come to Melbourne, as well have never been to Melbourne hurt. The weather is not great. Let’s, let’s give it give it a go. So we started the process, we drive a car, it gave me an employer sponsorship. Now what that means on a visa level is they vouch for me at the government, federal level, and state level that this guy has got a job, and he is capable to work for us. And we will obviously meet certain certain rules and regulations and in sponsoring him have full employment with us. Yep. That process took a lot longer than we expected. Because they had to first register the federal government to become an employer sponsor, and then my visa as well. Starting the whole process again, that took another eight months. Which is why I kind of did that they’re working from from one aim for more than a year and a half.

James Wrigley
So how long have you been in Melbourne now?

Daniel Nel
Since January? Yeah, gotcha in January the fifth that’s entered

James Wrigley
in so it’s only been six months, seven months that you’ve been here.

Daniel Nel
Yeah, well, not not long at all. Still getting to know that by still getting lost on the trends. So but it is it is fun. So that’s how I got you.

James Wrigley
And your wife came over as well as your wife yet.

Daniel Nel
No, no, no, no, no, that’s a that’s a different story for it for another day. But yeah, you know, so everything, everything has his price say.

James Wrigley
So, say So you’re here working as a working as an advisor. Now, before we before we started recording, I mentioned professional Yeah, so a lot of other podcasts I’ve recorded recently are have either been with people as I go through the professional year, some advisors that are helping people through professional year, that’s a big thing at the moment. For those that are wanting to become financial advisors here in Australia, you obviously had a whole lot of work experience in, in South Africa being the being the financial advisor, you spoke about a couple of sub few subjects that you had to do to get your Australian qualifications. You mentioned you didn’t have to do the professional yet. Can you tell us that? I didn’t know that that was a thing here? What Yeah, what’s what’s the go there.

Daniel Nel
So, what happens is you can you can want us to things need to happen, you have to be to not do a professional year, you have to prove to ASIC firstly, that you are a foreign existing advisor, there is minimum requirements that kind of, you have to meet for them to be able to see you as a foreign existing advisor, because you have to be minimum years of experience in the field chapter have worked in the fields that you that that’s similar to Australia. And then qualification requirements as well. So I had to apply to vetassess Australian authority that basically assesses my qualifications to be in line with what Australian regulations Thora T’s see similar ones, you know, which which I had to go through there, then you apply to I apply to fasea back thing. And they had a look at your qualifications, you pay some money by essential your actual experience and qualifications, okay, good. You’re they I had to reapply to ASIC have to have the fast you’re no longer there yet. And they they get in touch with this African version of ASIC, which is the FSC I see when your your title first registration was as a financial adviser long have you long you’ve been a financial advisor. And if you if they have been satisfied, that you have enough experience as an advisor in another country, that they I’m not sure what countries are lower on the list. But Africa is one of the countries that’s on the list that they they’d kind of consider. They give you your your number, the number that you need to write your your Asik exam, your advisor exam, I still had to write the exam, which I didn’t have to pass that but then you don’t need to do your professional year, I kind of have mixed emotions about that, to be honest. Because what I did, the struggles I had, and the learnings I had to go through to become a financial or to the shed to have to actually practice my craft as a financial advisor in Australia, it feels to me like I it would not have been a bad thing to for me to do a professional year, you know, as a requirement, because it’s although I and I’ll be the first one to admit this, although I probably will though I did not have to do a professional yet, I needed to do a professional yet, which I did for nearly two years on it was online, but he just just just the things that you learn, you can transfer some some things you can transfer over from another country. Unfortunately, that’s

James Wrigley
exactly the point that Oscar can make is to say it as much as you might not have had to have done the structured learning program that that is the professional year, you’ve done that anyway, you know, this year and a half two years with with Nathan and you know, working Wasserman in South Africa, the first six, seven months or so whilst you’ve been here in Australia, you would have had a a learning program anyway might not need to have been documented in quite the same fashion, you know, that like that’s the same thing here. The the professional, as much as is this thing called professional year now, it wasn’t a big deal for us, because all of our associate advisors might for the most part, they came from our Client Services team. So they were calling net wealth and working out what forms they needed and a couple of years associated advisors to become advisors anyway, they already had that career path which you’ve lived yourself anyway.

Daniel Nel
And I mean, you would you would know yourself. It’s not you know, being a financial adviser is not always just about what you read in the books or the study work. It’s it’s, it’s, it’s the stuff in between, it’s the small things it’s helping clients with it might be it’s knowing way, what forms to compete, what’s this? It’s the smallest things that that kind of makes you more efficient better at your job. Because in today’s technology era, we can we can use technology to find out what’s the concessional contributions, you know, things like that. Yeah.

James Wrigley
I had a conversation with a client yesterday and he was talking about his 59 he’s like, How can I access my super I said, I’ll look. Like I said, look, it’s either going to be 69 or 60. So I can never remember off the top of my head, because it is true. addition period that we’re going through. Yeah, that’s it. I know where to find the answer, I can give me 30 seconds, and I’ll have the answer for you. I don’t have to wait. And you don’t need to know the answer. You need to know where to find the answer, or who to ask and what questions to ask. But you don’t need to know the author of the head.

Daniel Nel
And I think for me that that was we are Mark processing, my journey was really meant a lot easier with Tribeca and why Anna decided to come here in the first place is because of the support, if anybody kind of wants to make this transition, or this journey over, you have to find a place that’s that provide, you have a good support, network or backing. Because it’s like, I don’t know, a lot of things I’m not, I mean, I’ve only been in Australia for seven months. I’m an advisor, but I, I there’s a lot of people out there that know a hell of a lot more than I do. Yeah. And, and, but you have to have someone that you can ask, or, you know, if you’ve got a good team, behind you support network, it, it’s doable. It’s, it’s, it’s a lot of, you know, a lot of stuff that you have to go through a lot of hurdles you have to get over. But it is possible and just make sure that you’ve got a good team behind you and not that hard thing.

James Wrigley
So let’s talk a little bit about your role as a financial advisor with Tribeca. So you have this this kind of tagline of my good life or living a good life or that some something to that effect, how to what does that look like in terms of the your engagements that you’re then having with clients? Like how do you someone gets referred to you, you get a phone call from because they found your website or whatever? Like what what is the client engagement process look like from that first interaction with clients? Where you kind of weaving in this idea of the good life? Or them?

Daniel Nel
Yes. So think I mean, if we talking about where our prices start, I mean, we do what most other firms do, I would suppose we have what we call a 15 minute phone call, we just we just once a client reaches out to me talk to them find out kind of if, if we’re a good fit for them. And if if we can actually add value, just it’s a short call, 15 minutes, we set we call it a 15 minute phone call, it might be long, it’s just an idea, get an idea of a week, we if we can help if we can we move to a discovery meeting. Again, pretty similar to everyone else’s. But I think what we do differently to especially advice firms that I’ve been at and within South Africa is that we’d really go hard on the well being volatile financial advice. And I know it’s such a cool term to use these days. But Ryan, and Brad and the people automaker has been going at this for a while now, and I just find it. And I think they it’s a consistent process, but I think they’ve got it to a place now where it is really useful to clients. I had a meeting yesterday, where we talked about talked about specific keys. Where do you see yourself in 10 years, and we use, you know, stuff like, you know Maslow’s hierarchy of oil, rocky of needs, and we will kind of break that down into into different categories, finding out from them what your goals are in 10 years. And because you know, without going into detail each step if you want to go really deep into it, but the idea is that if we can get a client to visualize his future, it would create action today, because we know what his current situation is, we know what is is bank balances are super, what our income expenses, everything else. But what we really want to find out this way, do they see themselves in the future so that we can better kind of better if we can get better at finding out and helping them to visualize their future, we can plan with them along the way. If that makes sense. It’s a it’s a it’s a tool that we use really extensively. And I don’t know if you want me to, to talk more about how we kind of approach that weird place. So what we do is the first one first of all, we use this as built we call financial well being matrix and we break that down into four quadrants. First one being, what is your sense of security in the present? So we’ll ask the client to score his feeling of her feeling from one to 10 one being very low thing being very high and tell us so for example, what is how do you see your sense of security? In your in your financial control? In the present? That would be something like cashflow Are you in control of your power control? Do you feel about your income and expenses? Do you know where your money’s going? Don’t you know you’re gonna screen? They’ll say 678 Depending on how involved they are in the budget in the other quadrants is your your your sense of security in the future. You know, how do you feel you’ll be able to absorb any big financial shocks will then go and say all right, you’re feeling off financial freedom in the presence give us a school that just do you feel you can do what you want when you want to do it, if you have any financial restrictions. And the last one, the bottom right quadrant is what is your financials? Do you feel you’re on a path to meet your goals in the future, financial freedom, you know, freedom of choice in the future. Why we do that is and how I see why we do that is because well being and studies have shown that clients happiness, most of the close, closest linked to the feeling of freedom is can you do what you want, when you want for how long you want. And that’s, that’s that what that’s that’s the biggest contributor to overall happiness. So and that’s, that’s true for most people, and that you don’t need to what makes you happy can be different, what makes me happy, you might want to spend time with your wife, kids. And being at work, having a mortgage paying off of a car loan, that restricts you from doing what you actually want to do, giving me that freedom, the box on the bottom left side of the school, for me, it might be going on hikes, you know, working for days, whatever else that might be. So we as financial planners want to understand and break down for a client way the areas or we can improve their lives the most. So if we know, for example, that they score very low on their sense of security in the future, there’s a few things that we can do to improve that insurance can be one thing, because all of a sudden, you know, if you’ve got income protection cover, you’re less worried about your ability to earn an income if you can’t work. The same thing with your financial freedom in the future. Are you on track to meet your goals? You know, we could do modeling SOA, we can provide info financial advice, that’s an easy one to do. So yeah, that that’s, that’s, that’s one tool we use. And then the next the next one would be the density now what we call a density now teen is three years. And now. And as I said previously, what we what we kind of want to work towards is this, getting clients to do in a smart way, you know, specific, measurable, actionable, you know, we want their goals clear to be defined for them, so that we know and they know what we’re working towards. And that’s how we are we kind of use those to, to increase the overall well being.

James Wrigley
Yeah. And we were in that. So I mean, just say the the different different firms have different kinds of engagements in terms of filler, like the delivering of a statement of advice, there are firms out there that say, there’s this, there’s all of this work in this engagement. And this this four quadrant thing that you’ve spoken about, there’s a whole bunch of work that you can do with clients that actually has nothing to do with, I actually need to issue you with a statement of advice for your income protection policy. I guess where that journey declined, start paying fees. And also where in that journey do do they do you deliver them a statement of advice in whatever format that might be delivered in, but let’s call it a statement of advice. Where are those two things, the fees part and the and the delivering of advice.

Daniel Nel
So the discovery meeting we we do if a client’s referred to us by an existing client or or via current COI network referred to us they don’t pay for the discovery meeting at blind do pay with the discovery meeting, if they just come to us, you know, organically the work we put in, in that presentation, working through their goals, helping them to define it, we do. And we provide them that that presentation after the meeting, because we kind of feel that even if a client don’t go ahead to a statement of advice, even if we don’t provide, you know, insurance advice or whatever else, it might be super advice, they can walk away from the meeting with some, some some value with a better idea of where they want to go. Because great that we do. If I understand your question correctly, if if at the back of that meeting, a client feels that we can add enough value and if we feel we can add enough value to them, then we’d move ahead to to actual financial advice. And then obviously, the process goes as continues on from the most folks. Yeah. Does that make sense? Yeah, it does. It does.

James Wrigley
So who who are the types of clients that you’re working with at the moment? Is that is that been? Like have some existing clients of the firm being transitioned across to you? Like you as an individual advisor who you’re working with at the moment?

Daniel Nel
Yeah, and I think if you cause Yes, but for me personally, I have a been through the journey of immigration and understanding very well what it takes to get my my niche the people I want to help us But I think the area I would be able to provide most systems in is South African expats who have moved or want to move to Australia. You know, before, before moving, I didn’t just decide I want to come and I did a bit of market research. So I know there’s two hundreds of Africans in Australia, who was born in South Africa. 200,000 200,000, right. I know, this 10,000. Just in Melbourne, there’s, there’s enough people I can help you. So African rules, and what kind of kicked me off. You know, once when I said about the iki, guy, but when one of the one of the the intersection, one of the things that they talk to us is what the world needs in South Africa, what happened is 2021 pension fund Amendment Act came into effect, we, once you immigrate, you can’t take your retirement money out of a retirement fund for three years after you moved to another country. So we have a bunch of African people currently in Australia, who have money in South Africa who can’t get their money. So they need a financial advisor over the might have a financial advisor over there. But also one over yet, I am licensed in South Africa, but I’m also licensed here. So that puts me in a very unique position where I’m able to help them in both countries. Where I would be then and obviously understand the process, the budgeting, what it costs to gauge, the emotional psychological toll it takes on YouTube to move across so credible, that’s kind of my niche if you want to.

James Wrigley
And also once you once you start to kind of market that in one way, shape or form, I suspect you’ll be quite successful Adelaide, I just as you’re talking about I would I’m trying to attract South Africans that have come come to Australia, but but I would ever you probably talk to two or three that yeah, that have, they just hate on me, or rather find their way to talking to me. And they all talk of who came here, you know, we had to get had to kind of give up everything. And we came here with with nothing and you know, that had some level of success or wealth or whatever you want to call it in South Africa, and then gave it for the most part up to come here and start again. Yeah. Yeah, there’s a lot out there that need that help.

Daniel Nel
That’s true. And the thing is, it’s such a, I think, very few people really grasp what, how, how hot, what bird and how hot it is to actually uproot your whole life and move it to another country. You know, it’s, it’s, it’s a hard thing to do you invest a lot of money, because it’s very expensive to do it, you know, so not everyone, you know, gets a company who pays for the containers or pays for their flights. And that’s not how it works. So you have to a lot of these cost, you have to kind of fit yourself, so people will use their life savings to move it to try and build a better life. And, and once they get it as I did, they don’t know anything about financial planning in Australia. I didn’t understand what a superannuation guarantee is, or where to put their money, you know, industry funds or, you know, retail, they don’t know. And the thing is, that’s kind of where I felt that I can make a difference. I can help people because you know, the last thing you want to worry, you know, you have to manage things like where to buy, you know, it’s it’s so funny, it’s like walking into coals for the first time. So, self checkout, this is a bit weird segue. We didn’t have self checkouts. You know, in most most places and most 1000s 1000s of African

James Wrigley
shops actually has a whole series. Like there’s a whole series of just relatively simple videos that you can do off of that to just start putting on LinkedIn tick tock Instagram wherever over Yeah, yeah, just the self checkout at Kohl’s. How do you never get the self checkout at Kohl’s? Yeah, it’s incredible. It’s you start thinking about the opportunities that are there.

Daniel Nel
And the thing is, if you look at if you look at, at financial planning, and what we can, the difference we can make up people’s lives. And, you know, I’m really a firm believer that we can make a massive difference in people’s lives we really make, it’s like we help people and I might sound corny, some but we help make people’s dreams a reality. We help them plan for a better life. You know, to go back to the tagline of my good life and whatever that is for whomever that is it’s it’s saving for a car so when you’re when your kid turns 18 they can get a car it doesn’t matter what it is but you it’s we can make things like that happen and if if my the people I want to help if they get to to Australia and they have to start over in a way if I can make make that process and that journey easier for them, then that will make my life. You know, that will make my job a lot more satisfying,

James Wrigley
incredibly fulfilling work, isn’t it? Yeah, exactly. Yeah. Dan, thank you. As I said at the start, I thought this would be a fantastic podcast. And it certainly has been a hopefully there’s a, there’s a bit of value, or well, there’s, I know, there’s a lot of value for whether you’re a financial advisor here in Australia, maybe some southern South Africans might actually pick up, pick up this episode as well. So Dan, has been a pleasure to speak with you. Thank you very much for joining me today.

Daniel Nel
Thank you, James. Appreciate, appreciate the time and I mean, I think most a lot of advisors listen to this. And if there’s financial planners out there that kind of want to make the same move, move over here and want some advice or just a chat, feel free to reach out I’m happy to share whatever knowledge I have.

James Wrigley
Where’s best if anyone wants to reach out to you always best to find your LinkedIn or find me on LinkedIn. I’m relatively active on there. So yeah, just send me a message. I’ll respond and yeah, just basically inquiries, and we’ll put some links to your profile and so forth in the show notes over wherever anyone might be listening to this on Apple or Spotify or wherever else people might might be listening. I also have Thank you. Thanks, Dan. Great to create to chat with you.

Daniel Nel
Same. Thanks, James.