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I agree totally...there is a market out there that dont have the attributes you've listed above, who want their hands held all the way and are prepared to pay a premium for it. It's this market the FP industry is catering to. Problem is most the market is unconsciously incompetent with the...

Im going to go out on a limb here and suggest the Financial Planning industry is a big con put out there by the financial banking sector. Its just another product they can suck more dollars out of you with by preying on your fear of not having enough finances to fund you in your retirement...

Terry, I think you are going to get a lot of "I wont pay a cent" asking people here on Somersoft. Most here have the brains to work it out themselves. I think you are catering to the masses who dont have a clue on where to start themselves. The ones who need their hand held.