eDUCATION AND PASSING EXAMS IS ALL OK ECEPT SOME PEOPLE SEEM TO BE PROFESSIONAL AT PASSING EXAMS BUT HAVE ABSOLUTELY NO ETHICS and they are also stupid enough to think they can beet the system.
I think the simplest thing to do would be to ban an adviser ever having access to a client funds.Weak arsed excuses like having to move fast, or easier to do business
Most of the serious crime, removing money from a clients fund can only happen by the advisor having access or by falsley claiming to be the client. JG