I agree with the FAAA that "qualified" adviser is misleading and is a slap in the face to all advisers that have had to go back to University to increase their "qualifications" to the higher degree level. Let's call bank and super funds employees what they truely are Bank and Super Fund "Sales Consultants" or "Investment Consultant" or "Super Consultant". Please do not use the term "adviser" unless they are truely qualified and part of the profession!!