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As I posted, I agree with you that it makes a terrible industry a complete farce. But imo the whole industry is based on a deceiving model that puts it participants way below used car sales people. The false premise starts with the fallacy that the service is free, when sure the hell is'nt.

I can find that info (if I need it) and more with a phone call to my accountant. And why would he know? Because I know at least 10 clients of his with an SMSF. Also Henry Ford said "why do I need to hire someone when I can just buy a book". That's why i said an "opinion", and not advice. But it...

The last 25 yrs of my exp tells me it's blatantly obvious we don't need them. And that they are misleading and deceptive in how they call themselves, and promote themselves. When they set up shop and charge only by the hour, then I'll revisit my opinion. Actually it is, as the deception...

I find it interesting that you call them "financial planners" when as you point out they are merely commission salespeople. And mostly ignorant commission sales people whose qualification may as well be put in Corn flakes boxes.