We’ve all been concerned about recent news emanating from the Financial Services Royal Commission and the confidence of Australians to receive trustworthy, thoughtful and appropriate financial advice.  The behaviour of many corporates and advisers has sometimes resulted in a devastating financial impact on investors. Sadly, we have witnessed several of these occurrences when assisting and representing clients who have previously been serviced by bank and institutional financial planners. Many, but not all, of the problems highlighted have stemmed from the vertical integration model that exists within the major banks and institutions. They employ the advisers who the clients deal with. They…