What I saw was a reckless abandonment of ethics, conscience and morals. Mark my word though, I have inherited clients on many occasions where the advice process from some financial institutions has been shocking and what’s more, very, very expensive. What I see a lot is not so much the initial advice being unconscionable but the complete lack of ongoing service when advisers are receiving commissions. You wouldn’t pay a tradesman or woman if they didn’t turn up would you? In some instances, once some advisers are on the gravy train, they don’t bother with any service unless the wheel gets squeaky. Keep squeaking!