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I think old mate Dante just give the industry another black eye, So a person who is unemployed and struggling to make ends meet comes to see me on Dante's great recommendation. I charge them X amount of dollars and probably 3 separate meetings with probably a 3 week delay to get a compliant factind, SOA etc. Then the client comes in for their presentation and my advice is not to do it and that is going to cost you X. That client then tells their family and friends how this idiot Financial Planner wasted their time and money and never waste your time going to see one. Thanks Dante you bloody legend!