And the biggest problem with financial planners is that as a Gen X, 38yo male with a respectable amount of assets, is most of them are Baby Boomers and thus, don't understand me or my position at all, instead, treating my "sub-500k pile of assets ex-house, ex-mortgage" as some joke and openly laughing about it.

When I saw another one from a fairly big, independent firm, they palmed me off to the junior partner, who, it turned out, I knew more than he did about finance and shares. They poo-pooed my index funds / LICs / ETFs and selected shares. That's a worry, because if you are the smartest person in your team, you are in trouble. You are supposed to outsource these things to people who are better at it than you.

(And I am self taught with no formal background in business).

When the financial planners themselves are financially literate, really are well and truly focused on the person on the other side of the desk and not just salesman, then I'll consider it.

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