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Haven't read all of the posts, but another point I would make is that finding a FP that is also qualified as an accountant and can give you tax advice is preferable to one that is purely a FP. I know a few who are dual qualified and I've found that generally their advice is more useful than...

I know lots of financial planners who are pro-property. Many of these have in-house mortgage broking, so that's one $ incentive to advise on property! I think it's quite clever actualy! - no need to sell property, just tell people it's a good thing to invest in and help them get finance...