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I agree Frito. If they can save you the cost of advice and then some why wouldnt you. I saw an FP years ago for personal risk insurance. He wanted to sign me up at a certain figure that would have seem my super actually depleted. I new what my employers contribution was and halved his suggested...

Personal risk insurances such as life, income protection and TPD are justifiable reasons to see an FP. They can also assist with taxation issues, SMSFs and succesion to retirement strategies. Like all professions 60% are competant aka average, 20% are excellent and the remaining 20% are...