hmm Cerhob and sliderule - are you too partners - not in the business sense.
I do not know that age has to do with being a financial advisor - obviously you do not know anything about the compliance side of things and also financial planning is not just about investment returns - your ignorance does not suprise me.
I hope you too are happy together and do not forget to put down each other as your beneficiaries on your superannuation.
Crack Thwat - is that the noice of cerhob on sliderules rear!