To me financial planning advice is about people.
Focussing your whole attention to the needs of the client in front of you is what post-modern financial planning advice stands for. For far too long financial advice has been about selling products, making money, attractive returns, clever tax avoidance. Financial advice, and indeed financial services have been about taking financial products packaging them up and selling them on to people that are willing to buy the story that goes with them.
What financial advice should represent is a greater focus on you, the client. Who cares how many products are out there or how wonderful they are. If you have no need for any of them then it is really just an art of misdirection. Distracting the individual for long enough to hope they buy the dream, the story that tells them they can have more.
It is this unwavering focus on you the individual, what your needs are, who you are, what you want to do, who you want to be, that should be the entire focus of the conversation. Once the financial adviser has a better understanding of you the person only then can they begin to make some financial decisions for you.
Clients approach Investor Profile to make their financial decisions for them. But how can we possibly begin to do that unless we get to know the person we are making the decisions for as well as we possibly can. Having that greater understanding of a person is what, to me, modern financial planning advice is all about.