Almost half of people who received financial advice rated their wellbeing highly, compared to less than a fifth of those who hadn’t.
Falling interest rates pushed up the accounting cost of ACC's future claims liabilities, despite the insurer's investment portfolio out-performing by $1.8 billion.
The Reserve Bank considers the breaches to be material.
High-income business owners will have some opportunities to reduce their exposure to the new 39 percent top personal tax rate, but the tax department will be watching.