I agree with planners working on a trailing commission everyone has to earn a crust. Though I think they need to have a fee for service, you need to build a relationship and have an exposure to a planner, maybe by purchasing a Managed Fund putting in $250 per month. But in return they talk to you about your finances (They may do Mortgage broking), you may say pay them $200 per quarter to check over your financial health, and they in turn share there wisdom of the Financial Markets. I am talking more about reading the cycles. I am sure their were planners out there that called it right. I am not talking timing the market, I am talking reading the financial facts and figures, to advise you based on their learned experience.
Thanks for the comments,
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