People hunting for a financial adviser should check out http://www.goodadvice.com.au/ which is the Financial Planning Association's website supporting their campaign about "Don't ask Dazza!" when you want financial advice. You can request the FPA send you a "Good Advice" pack. (Of course then you can go see Navra Financial Services and get great advice at a fair price! ) There's also a downloadable brochure which I suggest ppl have a look at. Now of course as the peak industry body for financial planners the FPA has a barrow to push...namely drumming up business for its members. But surely recommending people get financial advice seems a fairly good thing to do...like suggesting they stop smoking and get more exercise! The downloadable brochure makes the important point - "It's okay not to go ahead [with a FP's recommendation] if you don't want to". The key strategic question to ask is "Will this move me closer to my goals or further away?". Which question of course presumes you know what those goals are... As always some level of financial education (and some self confidence) are the key. Cheers N.