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You planners are never happy. Whingeing and complaining constantly. Without the FPA you financial planners are nothing. You all whinge about FPA but you do not dare cancel your membership. You planners know without FPA you are irrelevant. FPA is the closest thing you have to look like a profession. To be frankly honest financial planners look like a dogs breakfast and you know it. That is why despite all your whingeing and complaining you would not dare cancel your FPA membership. The FPA is like a suit you wear to a wedding instead of the rags you wear now. The FPA gives you the illusion of professionalism which financial planners are so far from being. If you have any dignity you would cancel your FPA membership but you are financial planners. You stand for nothing but self interest. I think an apology to FPA is required. I am waiting.........