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Here's a very simple solution - don't call it general 'advice' - call it general info or factual info. Anytime you include the word advice then of course consumers are going to assume that the advice given to them has taken their personal circumstances into consideration. Since the terms Financial Adviser and Financial Planner have already been enshrined in law, why not enshrine the terms 'financial advice' or 'personal advice'? Consumers will then be able to discern that only financial/personal advice that has been provided by a licensed and qualified FA/FP has taken into consideration their particular circumstances and is in their best interest. If the government legislates to ban the banks and super funds from using the term general advice that would go a long way towards enabling consumers to be able to differentiate between general info and financial advice.