I realised long ago that thieving financial planners were...

I realised long ago that thieving financial planners were getting a trailing commission.

Things will not change until financial planners get paid for service rather than on commission.

Maybe I am different but I read all the fine print super funds sent me. I took personal responsibility for MY money. I educated myself by reading the business press and read books on the subject

My parents lived off the pension and it was a grim existance for them because they did not save for retirement.

I think long hard about issues like this. I don't get why people smoke. I don't get why people do not plan for retirement. I have been planning for retirement since my 20's.

I now run a SMSF thru esuperfund.