As long as the term 'financial advisor', 'financial planner', 'wealth advisor' and other such similar terms remain unregulated, it'll be 'Caveat Emptor'.The real issue is that anyone with the intelligence to do the proper background research on a financial advisor has the intelligence to act as his own financial advisor. In fact, a lot of people who are not capable of doing the background research have the capacity to act as their own advisors.
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