Episode 1 of 3. A warts-and-all breakdown of the financial advice industry in Australia. Who's calling the shots ? The "sales" origins of financial advice, leaves us with an industry structure that potential clients need to know about. In this episode, we'll explain who's in charge and actually responsible for the advice you recieve. It's important, because in almost every instance, there are conflicts of interest in play. And knowing how to spot them, is the key to getting the best advice out there. It prepares you for Episode 2 - how to start the processing of actually selecting one and the free and important background checks you can do BEFORE you even make contact. Insights from our lead financial adviser, Nick Bruining drawing on more than 35 years as a licensed financial planner. Nick Bruining is one of Australia's best known and most respected financial advisers. Nick Bruining is an authorised representative of a legally independent financial advice firm, NS Financial Pty Ltd, trading as netplan.com.au. The information in this podcast is general advice and information and is not personal financial advice. Personal advice thakes your specific information into account to prepare specific and detailed financial advice.