The key questions answered. How much will I be charged, how much is reasonable and what services should I be expecting for my money ? Is a Self Managed Super Fund the best option ? How can I tell if I've found a good adviser. Insider tips from 35 years as an adviser that's seen it from all sides. Life started as a life insurance salesman and in the end, was a lecturer and unit controller at a prestigious Australian University. Nick Bruining is a Financial Planner and Authorised representative of NS Financial Pty Ltd trading as Netplan. Netplan provides general information and advice which is not personal advice. Personal advice takes your circumstances into consideration.