Many investors may be missing out on cash returns because of their long-held belief that there's barely any wriggle room when it comes to extracting more from their cash holdings.

On the contrary, this type of investment can often enable financial advisers to better demonstrate the benefits of holistic advice.

For example, it's possible for advisers to proactively manage cash and balance liquidity, risk and associated returns. These days, investors have the option to weigh their exposure to cash at call, cash equivalent and cash alternatives to suit their needs.

In this issue, we ask Olivia McArdle, Head of Payments and Deposits at Macquarie's Banking and Financial Services Group how financial advisers can help their clients overcome the problem of 'cash complacency'.