3.Make money talk normal again

Talking about money openly can be liberating. Many people carry shame or isolation around financial struggles, assuming they’re the only ones who haven’t “figured it out.”

As an adviser, you have the privilege, and responsibility, to make those conversations normal. By creating a judgment-free space where clients can express their fears or frustrations, you not only build trust but also empower them to take clearer, more confident action.

“Transparency breaks the stigma,” says Jennings. “When people realise they’re not alone in their financial worries, they’re more likely to engage with their plan and stick to it.”

Encourage clients to involve their families in money discussions too. When couples or households communicate openly about finances, decision-making becomes collaborative rather than conflict-driven.

4.Make money work, while the world is sleeping

This is where advisers can truly change the game. Financial security isn’t just about protection from risk; it’s also about creating opportunity, letting clients’ money work smarter, not just harder.

That’s where mutuality makes a tangible difference. Unlike traditional insurers that pay profits to shareholders, glu operates as a mutual, meaning that members (policyholders) share in the company’s success.

Through ProfitBack™, glu members receive a share of the profits generated by the business. It’s essentially a way for clients’ protection policies to give back, like a 13th cheque, without the overtime.

“For advisers, this is a powerful story to tell,” explains Jennings. “You’re not just offering cover; you’re helping clients participate in the value they help create. Their premiums don’t only protect them today, they can reward them tomorrow.”

This is more than just a financial product, it’s a mindset shift. It gives clients a sense of partnership and ownership, helping them feel more confident and connected to their long-term financial goals.

5.Care for the person behind the plan

No financial plan can succeed if the person behind it is running on empty. Stress, exhaustion, and burnout can lead even the most disciplined clients to make reactive or risky financial decisions.

Encourage clients to prioritise their wellbeing alongside their wealth-building efforts. Rest, exercise, mindfulness, these are not luxuries; they’re essential components of sound financial decision-making.

“Financial health and mental health are intertwined,” says Jennings. “When clients feel emotionally grounded, they’re better able to engage with their plans and stay the course through uncertainty.”

Helping clients take care of themselves is part of helping them take care of their money.

At its core, financial advising isn’t just about products or portfolios, it’s about people. It’s about helping clients sleep better at night, feel more secure about the future, and see their money as something that works for them, not against them.

By guiding clients toward calm and control, advisers don’t just manage wealth; they build confidence, optimism, and trust, the real currencies of long-term financial success.

With solutions like ProfitBack™, glu is proving that financial protection and growth don’t have to exist in separate worlds. Mutuality brings them together, allowing advisers to offer something deeper: peace of mind that pays back.

Because yes, money matters. But so does mental health.