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'even the very best financial advisers will be highly challenged and anxious'
I agree with this 100%. I am a young adviser with a Masters Degree in Financial Planning, with a HD average, plus other qualifications. I have performed well in exams my whole life. But I have never had a gun held to my head, where I must pass an exam to save my career. It is utterly cruel. I am so nervous it is making me sick. It is affecting my work. It is affecting my family. So I can only imagine how others are feeling.