This piece was submitted as a comment to an article we published recently, regarding adviser concern over the negative impact the FASEA qualification requirements could have on advisers, their clients and the industry in general.
To financial planners, who instead of doing the right thing by their clients and getting a proper qualification in financial planning are making up excuses that the new requirements will force them out of the industry; well FASEA has given old advisors plenty of time to do the qualification, even if it’s part time they can study 1 unit per semester. This is reasonable for any advisor or business owner even if they have a family. This excuse is absolutely pathetic and just goes to show the general lazy and apathetic culture and attitude of these older advisors. Instead of doing a graduate diploma part time in financial planning, (which is a maximum of 8 units in total and they can do this 1 unit per semester so it will take them 4 years which is in FASEAs time line to accommodate older advisors) they are saying no “this is too hard I can’t do that so I will have to leave”.
Well that is your choice, FASEA has given you a very realistic timeframe in order to complete the education but it just shows what type of a person would choose to quit instead of studying part time. My father is 65 years old, he has an accounting practice and he decided to go back and do the graduate diploma in financial planning so that he could get the limited licence for accountants to provide financial advice.
So if advisers are choosing to leave the industry because they are too lazy to study 8 subjects then that is their choice and a reflection on them. Don’t say FASEA is forcing you out of the industry that is a choice you are making because you can’t be bothered to study. Well there are plenty of people who are choosing to study and stay in the industry like my father who is older, so you have no excuse for not studying other than being lazy.
As to the point about the ramifications this will have on clients, it will be a great thing if lazy advisors, leave the industry because it shows what type of an advisor they are.
If anybody has been paying attention to the royal commission, the majority of financial planners especially with links to banks or wealth managers like AMP have been doing the wrong things by their clients and in most instances illegal things to their clients. So to say that this industry has a lot of great professionals because of their experience is an absolute joke. I started my career in financial planning and there are numerous advisors who have no degree related to the industry and they have all the experience in the world but their technical knowledge is horrible because they never learnt the basics at University.
All jobs are on the job training but you still need a relevant degree to teach you the basics, why do lawyers, accountants, doctors need degrees but financial planners don’t, in all those professions you learn when you are on the job as well but you still need to know the basics.
So advisers should stop whinging and complaining that this will force you out of the industry because the way FASEA has set it up anyone can achieve this qualification regardless of how busy you are at work and home because of the amount of time they have given you to achieve this.
If my 65yr old father can do it why can’t you??
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Comments35
"From 1 Jan 2022, Financial planning industry will not have any ethical issues and all practicing financial planners will be good as gold. I am laughing as I am writing the comment above as I know, it is a load of crap! So sorry to see those experience planners leaving (or forced to leave), and those planners who passed the exams may meet the ethical standards of our government, but may not have the knowledge or experience which the cleints need. It is a sad situation, really sad."
M Dobson 12:58 on 11 May 21
"I am doing the exam next month - failed the first attempt and now reading all this stuff, completing the practice exams etc - enrolled into kaplan and myintegrity.. i am literally on my last legs.. work is chasing me for numbers, personal life f***** put on almost 20kgs in the last 12 months.. as i'm reading all this and the materials i feel like breaking down and just finishing myself.. I have a degree, dfp adfp and specialist qualifications - apparently i know nothing after years in the industry.. thanks fasea for doing questions which are there to trip me not show me the ethical way of being planner.. thank you no seriously thank you... "
John Smith 16:51 on 11 Apr 21
"Idiot.."
Dean 13:08 on 28 Nov 18
"It's a shame that someone else with a bit of experience and courtesy couldn't have submitted an alternative view. I also found the original article claiming this was "forcing" people out of the industry to be a bit of a cop out. Even if you do have to do all 8 subjects (recognition of prior learning is likely to reduce this for most affected advisers), you would think the course work would be relatively simple if they are experienced as they say they are. The advisers leaving are probably thinking of leaving anyway; this has just crystallised the final decision. The original writer appeared to be more concerned about the potential impact on the value of her business as a higher number of businesses come on to the market at the same time. "
Greg 16:39 on 17 Nov 18
"Well I have read Anonymous' comments and read those of my esteemed colleagues. I am the daughter of an 'Old Lazy' Financial Adviser who is not completing the study and leaving the industry. Unlike you Anonymous, I feel for the 'Old Lazy' I feel a sense of loss knowing that these great Adviser minds are leaving and have a great understanding as to why, that you seem to have missed. Likely because you have not been in the industry long. I have been an Adviser for 10 years. three spent using the Dealer Licence of Financial Wisdom and 7 using the dealer licence of AMP (thank you so for discrediting my reputation with your statement "If anybody has been paying attention to the royal commission the majority of financial planners especially with links to banks or wealth managers like AMP have been doing the wrong things by their clients and in most instances illegal things to their clients" I'm Certain that Dover was not a Bank or wealth manager, Henderson wasn't either) I spend my time ensuring that I provide the best BID advice i can to my clients and I constantly check and recheck that I am doing all i can for my clients. I understand in my short time that losing "Old Lazy" Advisers is not in the industries best interests. I am quite confident to state that I go to the "Old Lazy" Advisers when I do not understand a matter at hand for my client, or if i have two opposing ideas for what my client should do. The "Old Lazy" Adviser has the information stored away in the "Old Lazy" Adviser Mind. They have the knowledge and understanding. For them completing these studies is a colossal waste of their time because they know what they are now being told to Learn and get a piece of paper to prove that they know what they already know. My father who is currently qualified to give Financial Advice and has been for 40 years would blitz the course get top grades and then continue giving the advice that he was giving as a qualified adviser, oh sorry as a newly Certificated Qualified Adviser. It's Madness what is being asked of the "Old Lazy" Adviser let me put it in conversation FESA - hey "Old Lazy Adviser" you have to complete this course so you will be a Qualified Financial Adviser and give Financial Advice. Old Lazy Adviser- But FESA I am qualified. I've been a Qualified Financial Adviser for 40 years. I have a business, I have hundreds of clients, I completed courses in the past to be Accredited to give advice to my clients. I have my licence, I have an ABN. What to you mean so I can be qualified. FESA- Oh well no no no your not qualified you have to do our course then you're qualified and if you don't then you can't run a Financial Planning Business or Give financial Adviser because you'r not qualified or you won't be in a few years. Old Lazy Adviser- What do you mean wont be Qualified I am now FESA - But you won't be because you didn't go to university before you went to work. How can you be qualified and know what you're doing if you don't have the papers to prove it. Old Lazy Adviser- Ok so what do i do and what is the cost FESA- 8 units at a cost of $1300 each most likely. Old Lazy Adviser- What? Why? can't I do an exam or test of some kind to show i already know this and bypass the course that i really don't need because I've been doing this for 40 years. FESA - Oh no you have to do the course. You don't know this stuff your not qualified you don't have a degree. I don't think i need to continue here. My Father is leaving because he does not see the point in taking the time to study what he already knows. He once told me when i started in the industry as an Old Adviser what he was told by 'An "Old" Adviser with some 40 years in the industry who saw him at a conference. "This old adviser asked me when i started I told him a few months ago. He said some advice from an old codger if you don't like change then get out of this industry now". Well My father is getting out the changes have gotten to a point where by government decree he will be no longer qualified to be what he has been for 40 years if he does not complete a course on what he already knows. Anonymous I'll see you in 30 years and we can have this discussion when you and I who will complete the courses today to be qualified today will likely face being told in 30 years 'Um sorry your not qualified anymore because.... or you won't be soon if you don't... Again to my esteemed colleagues I apologies for Anonymous and truly wish you weren't leaving but understand why. I know that any of you who after 30 plus years in the industry who are leaving would be reputable Advisers with Stella reputations. How could it be otherwise in this climate. You couldn't be an adviser for that long if you were anything but honest forthright and morally respectable. I commend you, I thank you and I wish little tikes like Anonymous could SEE THE BIGGER PICTURE. Enjoy your forced retirement you deserve to and thank you for passing the torch. p.s if there are grammar errors or punctuation errors i am sorry i was brought up in the computer age of Spell Check Grammar check ;-) "
Venesa 14:09 on 16 Nov 18
" Mr. Anonymous, your statements of facts are very disappointing and completely out of line, I retired from this Industry 3 years ago, Why? because I could visualise what was coming , after 40 years in this industry I never received a complaint, something I am very proud of, lets see if you can last 40 years and then try and match my performance, I think you need to understand that higher education standards do not make an adviser more honest, sadly after the Royal Commission you will find that most of the issues highlighted were all instigated by well educated people, if a person is true and honest they will remain true and honest, however if they are dishonest, providing these extra education levels will arm them with better knowledge on how to manipulate things to their benefit. Enhanced Education Standards does nothing to help make a dishonest Adviser more honest. You seem to be very proud and and like to brag on your Education levels, and really bag the older Advisers for deciding to leave this industry due to FASEA. Let me tell you something "Junior," while growing up with a silver spoon in your mouth, while you may have all the Educational Levels that I could never achieve ( having been forced to leave school at age 15, due to family hardships, and being relied on to provide food on the table ) You cannot measure the experience we older adviser's own compared to a bit of paper hanging on your wall., Better still let me put it in a language that you may understand " You can buy a book on Sex, you can watch a movie on Sex," however until you have experienced sex, no amount of reading or viewing will compare with the real experience. My comments may not be appropriate, however I think I have made my point on behalf of all us older Lazy advisers that have decided to leave the industry. "
Arthur 16:30 on 15 Nov 18
"So my two cents. "The majority of financial planners especially with links to banks or wealth managers like AMP have been doing the wrong things...in most instances illegal things to their clients." is a very misguided and inept view on the small majority of cowboys who have been called out during the RC. Similarly to think that going to University teaches you "the basics" of how to be an adviser with ethics and people skills is complete delusion. But i think a lot of that comes down to the cockiness of a newly graduated student thinking they can change the world with their confidence as they have just entered the industry. I do agree that some advisers are using it as a reason to get out but that is their own choice and good luck to them as most will have earned a good retirement. Long term, it will create a better market for both Advisers and clients; but unfortunately the cost of the extra study will be passed on to clients who engage an adviser. Good luck to you in your career little one. "
Matt Skehan 10:39 on 15 Nov 18
"I have been an holistic advisor for nearly 15 years and have completed every course possible to better understand my industry ADFP, SMSF, Structured products, direct shares, portfolio construction and mentor highly qualified (but inexperienced) planners. I don't intend to complete the study which has been forced upon me and in any other job I would have been made redundant. Does that mean the Government is going to pay us out a redundancy payment for putting us out of a job? If ASIC actually policed our industry, the rotten planners would be in jail and we wouldn't have the compliance regime we have today. "
jamie 08:13 on 15 Nov 18
"If Mr Anonymous is that passionate and opinionated about the education process then why not put your name to your post. Of course education is important but it doesn’t replace experience. In my 30 years as an adviser I’ve met a lot of every well educated planners who don’t make because they lack the client communication skills. It doesn’t matter about the certificate you hang on your office wall if you can’t communicate with your clients."
Mark 23:55 on 14 Nov 18
"Correct...why publish this anonymous jibberer? If it's for a rise, it's worked. Seriously, it's like reading a poor mans version of Peter Fitzsimons dribble in the SMH... Mr/Mrs I know pretty much everything needs to digest each and every comment above and think about a rational, grammatically correct response. Otherwise, his or her comments should be removed. He/she also should perhaps get him/herself 3 kids, a partner working full time, a client base of several hundred, a few hundred mill in FUM, 12years experience, a Commerce degree, run a charity, coach a couple of kids teams and as someone pointed out, perhaps a Victoria Cross....oh and while he/she is at it, perhaps finish English at HSC level. Well done to his old man....produced a cracker and a legend in his own lunchtime....an oldy but a goodie!"
Hamish 20:36 on 14 Nov 18
"This is the funniest article I've read in ages and made my dad...um day (enough Dad mentions for now). Awesome grammar. I've also never seen a sentence go on for so long without a comma or a full stop. Not a good endorsement for Adviser Ratings that's for sure. "
Gavin Latz 19:59 on 14 Nov 18
"the comments suggest that the merits of your argument young man/woman/XXXX belong to an opinionated self righteous judgemental, morally superior some body. I am 71 and have been doing studies on top of my degree majoring in pure maths and chemistry back in 1978, ever since then. I must be looking in the wrong direction or mixing with the wrong crowd but I have never come across the "slack" folk you appear to so acquainted with... sorry about ending a sentence with a preposition."
john WALKER 19:19 on 14 Nov 18
"Who is this moron? I'm glad he/she isn't my adviser, but I can certainly understand why they chose not to put their name to their opinion...just another keyboard warrior troll. I have to say that I'm pretty disappointed that Adviser Ratings would give this 'argument' (& I use the term VERY loosely) oxygen. It has no merit whatsoever, and demeans both you as an adviser-advocate organisation, and us as advisers. Anonymous: perhaps your amazing Dad should have sent you to a school that taught punctuation and sentence construction. It may not have helped your, 'my Dad's the greatest and everyone else is lazy' argument, but it would have at least made it less painful for us to read."
Josh Wilson 19:07 on 14 Nov 18
"I have been an adviser for the past 19 years with a bachelors degree and I don't see the need for any experienced adviser to do a degree again. I do not see any benefit. I am over 50 and will leave too if this rubbish continues.I enjoy what i do and have made a real difference to my clients for years and I believe i have enough training, education and experience to do my job from the heart. Cornel"
cornel fernandez 18:18 on 14 Nov 18
"Very poorly written and comes across as unintelligent. To suggest a majority of advisers are doing the wrong thing without evidence should have automatically consigned this article to the bin not allow it to be published, so a very poor showing by Adviser Ratings on that one. As for the rest of the rant, the less said the better."
Elio 18:00 on 14 Nov 18
"Wow I remember the original CFP trademark was awarded based on years of experience (grandfathering) in the life insurance industry and a joining fee to the FPA which in those days stood for "Fund Providers Association". When the FPA started to ask us to do study it was not to raise the standards but another means of collecting fees to use a trade mark. Yes for those of you who aspire to have trade mark after your name means you can leverage off impression you are a qualified professional. Secondly it means the FPA can charge more for privilege for using the trademark . I always was distressed when there was an unit on running a profitable business which the evidence has demonstrated taught some to screw the client and buy the luxury. By the way CFP can stand "Can't Frigging Plan ""
Clive Stephenson 17:38 on 14 Nov 18
"Completing additional University degrees and adding extra titles to their names, will not make a person act ethically or morally. There are plenty of examples of illegal activity, unethical behaviour, misconduct and negligent behaviour in the legal and medical professions and these examples are not isolated. Yes, while I agree that completing a six week RG146 course is in no way sufficient and creates a situation where there are advisers with big gaps in their technical knowledge and skills there are also plenty of advisers who already have finance related University degrees that will be unfairly impacted by these changes. To say or imply that these new educational requirements are a solution to unethical and illegal conduct in the industry is window dressing at best. Final note - the anonymous author of this article resorts to ad hominem attacks and personal insults. That's a sign that they have no real argument to makeup."
Levi 17:17 on 14 Nov 18
"Clearly a millenial tosser who reveals himself as showing a real lack of perspective on the impacts of the proposed FASEA regs for education.For those who have an undergrad degree,a masters,DFp ,CFP,SMSF specialist quals and 30 yrs of financial planning experience without significant blemish it does seem somewhat bizarre that it counts for little.Furthermore for those over 60 who may be a real source of tutorship to those less experienced with qualifications why hang around?The anonymous author might just learn a few things especially for making a reasoned argument face to face with a potential client without the protection of anonymity that computers provide.It would seem that the educational institutional influence within FASEA strikes me as being self promoting as they are already jockeying to offer courses at over $2.5k a time to fill the void said to be required to be remedied.Were we to be providing advice to a client considering such an investment with a short term benefit what might the prudent of us say?Our clients will certainly have a view."
Simon 17:06 on 14 Nov 18
"This has to be a hoax. Someone who can't even construct basic English sentences, cannot surely be advising anyone on what to do with their life savings. If so then its basic education that needs to be addressed, not fuzzy feel good courses that achieve nothing."
Chris 17:00 on 14 Nov 18
"If you are going to write an article of this nature then put your name to it. I am 60 and a qualified actuary and while I started in the industry under the traditional life insurance umbrella I will be required under FASEA to do a miminum of 4 subjects. All by the way subject matter I have expertise in. Why because I studied mathematics as my first degree and this is not a valid pathway. Had I studied law then no worries - go figure. Sorry but I dont see sitting such subjects is something I should be wasting time on, it will not improve my level of advice or expertise ( and yes Ireligously did my CPD plus additional activity such as guest lecturing) On experince there are many wonderful adviser who will be lost to the industry because of limited scope from FASEA to continue. There is no replacement for this experince via a simplistic course given by academics Fasea needs modification - this is an excerpt of a submission to FASEA that has yet to receve a reply. Dr George Nassios FIAA"
George Nassios 16:41 on 14 Nov 18
"Surely written by a 10 year old...cant believe he / she is an Adviser as they cant even spell the word correctly! Absolute rubbish, why would you publish this when they wont put a name to it? "If my Dad can do it..." Seriously week argument "
kevin 16:13 on 14 Nov 18
"Wait... Are you sure he didn't go back and simply do the Diploma of Financial Planning? I highly doubt he went and did a Graduate Diploma, which is a vastly different level of study. I did my DFP very part-time and completed it over the course of a few months, and the same with my ADFP, with a total study cost of about $3,000. If this person's dad went for a Graduate Diploma, he'd have spent $20k or more and would've needed to study for one whole year doing full-time study (4 units per semester) or, as was said in the article, 4 years part-time. I highly doubt that was the case."
Grant 16:06 on 14 Nov 18
"I am an 'older adviser'. I am 55 years old. I do not hold a degree. I'm not against further study. I'm just very, very, very much against having to go back to learn the basics yet again. I have no issue with moving forward with a higher level of learning but i'd rather it actually was HIGHER, and not just a repeat of things I have endured at various TAFE, Uni and ongoing training courses. There's no benefit to me and there's no benefit to my clients. Similarly, those advisers who are risk-only specialists would see a full degree as inappropriate to their area of responsibility. It's all well-and-good to look at minimum standards and what-have-you, but there should be some level of understanding of the industry, with cascading levels of requirements. A blanket minimum, implemented with minimal acceptance of prior experience and/or knowledge, seems a little heavy handed. I know that this is seen as a dinosaur trying to stop much-needed change but the reality is that no other industry would ever be asked to accept this level of imposition without a more nuanced approach to what is a generational change. Folk getting grumpy at anyone who disagrees with their opinions, aren't helping this change. "
Michael O'Hara 16:06 on 14 Nov 18
"Yep i think everyone agrees that RG 146 = Dip Fin Plan 1-4 is not enough and has not been for a long time that it has been the government regulated minimum standard. But where the most relevant complaints of FASEA are coming is from those advisers that are not only very well experienced but also very well educated. And remember Uni degrees in Financial Advice are rather new, so many Adviser did what Uni degree was closest at the time and provided very good education and training plus then more specific DFP etc that is actually the law. eg. myself. Thankfully FASEA have partially recognised past relevant degrees, so my Macquarie University B.Economics (double major in Economics and Business Law is worth something). Yet my other study and experience is worth absolutely NOTHING: - Deakin University Full 8 subject Diploma Financial Planning is worth = NOTHING. (Yet other people who have only done DFP get it recognised but totally disregarded for me) - Grant Abbott 2 week full time (60 credit points) plus assignments SMSF Specialist Adviser Course and SMSFA Specialist Adviser accreditation worth = NOTHING. - University Technology Sydney / FPA Estate Planning Specialist Financial Adviser course and accreditation is worth = NOTHING. - 20 years Financial Adviser experience is worth = NOTHING. - 20 years CPD training is worth = NOTHING. So back to Uni FASEA want me to go and they say it will only be for 3 subjects, at a cost of about $5,000 per course = $15,000 course costs Plus FASEA say it will take 120 hours per course x 3 = 360 hours at an hourly professional charge out rate of $330 = $118,800. Thanks FASEA for the $134,000 education reform bill. And supposedly I’m one of the lucky ones as I have wasted 3 full years of my life at Macquarie university, a further 4 years part time doing my Full Diploma in Financial Planning, another 1 month full time doing specialist SMSF and Estate Planning courses. Plus 20 years x 30 hours per annum = 4 months full time of CPD. And yet I’m no longer qualified to do my job. How dare FASEA and the Government be so arrogant and so dismissive of their own Government University past education, I and many other Advisers have completed. Let alone all the real world Adviser experience completely disregarded. Please let me know why I am not educated or qualified ? "
Adam 16:02 on 14 Nov 18
"Sounds like this was written by a 25 year ( or younger) who just got a degree in financial planning. In every other profession, a degree simply gets you in the the door, but regardless how cocky you are, you know nothing. Yet FASEA deems a financial planning degree (with no experience) as being worth more than a few decades of experience in markets. In every other profession, experience is what matters, not the piece of paper that enable you to get your foot in the door. Just consider the financial planning professionals with a couple of degrees (recognising that a good degree teaches you how to learn) and a Diploma of Financial planner, with a a couple of decades of experience (think a couple of decades of research and ongoing training), now perhaps in their sixties .... a requirement to do yet another degree is just absurd and an unreasonable imposition. The 20-something year old smart arse who wrote this article above will take much more than a decade of experience from now before they become a fraction as good an adviser as that experienced highly seasoned highly educated 60 year old"
Aaa 16:01 on 14 Nov 18
"I will have no difficulties with the studies but I can understand why many people will leave the industry. Financial Planning has in many ways been a sales profession and an advice profession where soft skills are paramount. You can be brilliant at either or both and have an absolute paranoia about studying as you may have left school at 14, 16 or 18 but never studied. There are lots of smart and capable people for whom it would take an enormous effort to do a graduate diploma - a much bigger effort than it seems. Even among young people there are heaps of students who drop out. Presumably those of my age (around 60) are no better off as a group than students in their early 20s. "
Christoph Schnelle 16:00 on 14 Nov 18
"Why publish this comment piece at all??? And what's more remain anonymous? So quick to pass judgement without the courage to accept any criticism :( Well my situation is as follows - 32 years in the industry - studied 11 years part time while working and raising 4 daughters form two marriages - no excuse here! BUT - From what I have been led to believe (FASEA still have not released what recognition of prior learning will be!) my Diploma in Financial Markets (done via the old Securities Institute and which gave me enough qualifications to be a principal member of the ASX!), my Diploma in Financial Planning (which at the time was the ONLY recognised course for the industry), my CFP (obtained prior to the formal CFP educational requirements), my SMSF qualifications (KAPLAN), my margin lending and train the trainer qualifications are all worth NOTHING. I must go back and study again to prove that i know what I am doing - which i will do - but I am 51 - if i were 65 and had done all this study, I can assure you i would view it differently!! Not to mention that I have been around long enough to have done everything you can do with money as a 51yo and that I advise my clients on with my OWN money. I doubt ANY new graduate has that practical experience!!! Oh and as for the graduate courses??? I have had 2 degree qualified employees who did not understand how the various contribution rules worked for super - a pretty basic level concept but apparently they don't teach that at university - which begs the question - if being qualified is important - important for what??? SURELY - the most important thing is to be able to provide the CORRECT advice to a client in an ethical and fully disclosed way - otherwise will we end up with clients losing money on advice from qualified, inexperienced advisers and we are back to where we were in the late 80's! It is NOT a matter of being qualified, it is a matter of being COMPETENT. The one thing i do agree on with FASEA is an annual test to ensure competency - but if we must do this as an industry, then surely doctors, lawyers and anyone else associated with money or health must do the same? I welcome ANONYMOUS to respond to this comment "
Martin Watson 15:58 on 14 Nov 18
"Hmm. Contrarian alright! But an adversarial approach such as this adviser has taken isn't helpful. What's more his aggressive language: "This excuse is absolutely pathetic and just goes to show the general lazy and apathetic culture and attitude of these older advisors" and "As to your point about the ramifications this will have on clients it will be a great thing if lazy advisors like you leave the industry because it shows what type of an advisor you are" and finally "stop whinging and complaining" is an affront to long serving advisers who've preceded him/her. My guess this piece was written to: a) get a rise from us; or b) from someone who professes to be a planner, yet who's ridden on the coattails of his/her father and hasn't had to get down in the trenches with the troops. In either case it's failed and has alienated anyone who knows his identity. Good thing he's called himself Anonymous Adviser. "
Paul Herring 15:55 on 14 Nov 18
"If you are going to slag institutions and generalise at least have the guts to put your name to it. Anonymous week prick!"
Nicholas Carmichael 15:53 on 14 Nov 18
"Sentiment 10/10 Grammar 2/10"
Long Term Cynic 15:50 on 14 Nov 18
"Very good we live in a democracy and everyone is entitled to their view but if you wish to degrade and put down a group of hard working people in such a fashion ! At least have the balls and the gumption to put your name to it. Education will in its self fix very little of the problems faced in the industry that we work in ethical standards are not created by education look at the many other professions and that is blatant to see. Enjoy all the replies you will undoubtedly get and please reply with your name as you are entitled to your views but have the decency to own them !!"
Andy 15:49 on 14 Nov 18
""If anybody has been paying attention to the royal commission the majority of financial planners especially with links to banks or wealth managers like AMP have been doing the wrong things by their clients and in most instances illegal things to their clients." Majority? Give it a rest mate. "
Matthew 15:45 on 14 Nov 18
"Clap, clap, clap, clap. Would you like a medal or a chest to pin it on???"
bob 15:45 on 14 Nov 18
"So many assumptions and generalisations! I can't even..... At least he loves his Dad."
Michael 15:43 on 14 Nov 18
"Hahaha click bait at it's best."
Jason 15:39 on 14 Nov 18