There is a good reason why airline passengers are not allowed to tip security guards as they walk through the metal detector. Sometimes conflicts of interest can be obvious. In financial services very often they are not. The relationship between financial advisers and product distributors is like that between the security guard and the airline passenger.

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Warren Buffet once quipped, "I don't look to jump over seven-foot bars: I look around for one-foot bars that I can step over." The One-Foot Bar is a series of investment training videos attempting to simplify complex investment concepts. Buffett acknowledges the complexities of investment markets, but recognises that we sometimes go out of our way to make things harder on ourselves than ....

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