“If all you needed to do in order to become financially independent was to sit down in front of an adviser for thirty minutes a year and pay them for an hour of time – we’d all be lining up, down the high street.

Demand would be so strong we’d need millions of advisers, not just the thirty thousand odd there are now.

Fact is that’s not true, advisers don’t make people wealthy, you need more than advice and sadly that’s a truth the industry won’t admit.” Richard Smith

I’ve been educating consumers in financial matters for the last ten years, prior to that I ran a successful financial advice practice – I realised then that the industry was not acting in the best interests of consumers – so started to educate rather than sell.

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