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Unless financial planners want to distinguish themselves from other professions, it is disingenuous to argue that there is no advice if there is no product. If a medico tells you to avoid strenuous exercise and any medication, and if this results in harm, could it be argued that no advice was given to escape misconduct? No wonder some advisers push you into a SMSF when it is totally inappropriate as the disgraced and drefrocked Sam did and was exposed.