Wow Hedware, I don't think we've ever agreed completely before. Is the world is turning upside down, or is this another Hedware?

Your comment regarding professional associations is especially on point. And to another comment in this blog, provided we can find the people, we need more advisers not less such is the demand for quality advice.

Where I presume we adopt our normal roles is if we get to the topic of advisers funded by product providers (banks and union funds) but we'll leave that for another day.

Have a good one.