Imagine if doctors and pharmacists were told they couldn't recommend a product unless the patient asked for it! How the hell do they know what they need? That's why they are seeking advice. I'm all for a ban on product manufacturers selling product and using financial planners for sales and customer retention, such as industry funds, banks and insurance companies; but we need to be careful because if these rules are applied to independent and non-aligned financial planners, it will be impossible for them to act in their clients best interests.
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