It is understandable to say 'get a financial adviser' but please understand that more than half of the advisers left the industry after the Inquiry. Those that are left are not taking on new clients and if they are, they want only very high net worth people who are also not close to retirement. And the upfront costs are now very high, in the thousands just for a first meeting. It is out of reach to most people now. With the recent issue about who will pay for the legal case against yet another adviser, the fees will rise again, making it even harder for Average Joe to get any adviser at all.

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Hmmm it's a hard question to answer - especially as the possibilities are endless - but you know, if you're an expert then I'd expect something better than a generic laundry list

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