in my observations, there have been far too many blog and forum postings penned by the famous and not-so-famous personalities/consumers on how financial advisers have continued to mislead and mis-sell insurance policies in singapore and so on and so forth, ad infinitum. but let us step back for a moment and reflect on financial advisers who have been given the proverbial treatment of being taken for a ride? here, i'm referring to financial advisers who are not only ethical but consistently and genuinely doing their darnest or utmost (driven by their passion) to serve consumers and their interests? my comments: amongst some other financial advisers who may be in a similar situation like myself and if i have to relate my own experience after 13 years in the financial industry with promiseland independent, mine may be a complete reversal of what have been regularly posted in many blogs and forums ......