Consumers are currently facing many challenges managing their personal finances. Responsibility for retirement planning is shifting from the government and employers to the individual. Job security is no longer guaranteed, the variety and complexity of financial products is increasing, and the Asian crisis combined with volatile global stock markets have left many consumers feeling confused. The need for professional advice in such an atmosphere is great, but greater still is consumers’ need for assurance that the professionals they choose for financial advice are qualified and competent.
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