Not too long ago, the Internet was buzzing about discussions of dishonest or unethical financial advisors after lifestyle influencer Francesca Soh shared her bad experience. (Click here to read Part 1, where I distilled why the "advice" she shared after being through it herself is not entirely sound). While much has been said about black-sheep agents who mislead their clients into purchasing certain policies, the bigger question of how you can differentiate the bad FAs from the good ones still remains. I promised to teach you guys how you can do it, so here's Part 2. I'm a strong believer that consumers should always get a full disclosure from their agents, although reality is far from that. After all, if your FA is digging so much into your own profile with all those sensitive questions about your income, money and other goals, it is only fair for you to ask ......