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I cant believe this article, Brad do you not think that we speak to our clients in a way that they understand what we are trying to tell them, the problem is NOT with the communication between adviser and client, BUT in the overly complex SOA's put together by groups of lawyers and compliance people, THIS is what makes the advice complicated for the client. I suggest you get real and maybe get out there and speak with some clients, I do not know if you actually give or have gave advice in financial planning, but this kind of article, I find, puerile.