Well having observed the industry for a number of years I am arriving at the conclusion that most FA’s are a bit like peacocks, the spread their feathers to impress. Hence all the misleading statements about what they can do for you. Yes you, save, spend do as I would like you to do.
So I get paid that is the bottom line, whether the advice is good or bad in the long run, we all need to make a living, and what if you (the customer) feels that the advice was wrong? Do you find another adviser, complain to the FOS? Who knows the right answer because each person is an individual with a different set of hopes, plans at different times of their lives.
Enjoy the good weather because before we know it the days will be getting shorter again.
All my own opinion in the South England UK 