Six questions for your financial planner

Most investors need reliable financial advice. The problem is in finding it. According to the Ripoll Report of 2009, there are about 18,000 financial planners in Australia. The vast majority – perhaps up to 85% - are associated with a major bank or AMP, which means they either work for these organisations or are remunerated by them in some way. The vertical integration of the industry, where the manufacture of financial products seamlessly slips into the selling of them under the guise of advice, all but ensures you’ll be sold well rather than advised sensibly. The big banks and AMP aren’t...

Most investors need reliable financial advice. The problem is in finding it.

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