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The FPA are an organisation who have lost the faith of its membership. From flogging useless qualifications to siding with the organisations that pay them to do their bidding they have no credibility left and will always side with whatever produces the best results for them financially. Stop wasting your money with the FPA or AFA. They are not working for the best interests of customers or advisers, they are working for those who pay them conflicting remuneration. Join up to the United Financial Advisers association - UFAA. At least they will try to fight with knowledge over profit.