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License to Flog



In the grand halls of finance, where ethics oft fade,

A slick adviser, in charades, his fortunes laid.

With polished words and a charming grin,

He spun tales of planning, while deceit crept in.


"Registered and regulated," he'd proudly boast,

"A Financial Conduct Authority's foremost."

Yet, behind this veneer of compliance and gloss,

Lay a simple truth—his cause was lost.


Exams passed, titles earned, a façade well spun,

A member of the PFS—Product Floggers Society, everyone.

Their creed: the seller's wealth, the client’s despair,

In a web of trust, they truly ensnare.


He wove friendships, genuine to the blind eye,

A godparent to offspring, a heartwarming lie.

For beneath the warmth and smiles so grand,

Lurked a hunger for assets, fees in hand.


A trustee, he claimed, of a charity dear,

But his motives, in shadow, were painfully clear.

To widen his net, to snare and to bind,

A community of trusting hearts, all confined.


Oh, what a license this charlatan held,

To flog and to plunder where trust once dwelled.

In the end, a planner in name alone,

A product flogger, true to the bone.


So beware the adviser with a tale too sweet,

In the world of finance, deceit can be discreet.

For not all who plan, plan for your gain,

Some seek only to profit from your pain.

 
 
 

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Disclaimer: Educational Financial Services Only

Financial Life Coach is a trading style of The Academy of Life Planning Limited, registered in England and Wales (Company No. 8016568). We provide educational financial services, not regulated financial advice, which means we are not overseen by the Financial Conduct Authority (FCA) and do not hold FCA registration.

All the information on this website is for educational purposes only and is not professional financial advice. Our goal is to help you improve your financial understanding and make informed decisions, in line with FCA guidelines (PERG 8.26.2) and the Financial Services and Markets Act 2000. These laws clarify that educational services like ours don't require FCA regulation, as we do not promote or advise on regulated financial products.

We operate under the protection of UK consumer laws, including the Consumer Protection from Unfair Trading Regulations 2008, the Consumer Protection (Amendment) Regulations 2014, and the Digital Markets, Competition and Consumers Act 2024. These laws are enforced by the Competition and Markets Authority, ensuring our clients are well protected. It’s worth noting that these protections may differ from those provided by FCA-regulated firms.

If you're looking for regulated financial advice specific to your circumstances, we recommend speaking to an FCA-regulated financial adviser. If you have any questions about what we offer or how our services align with consumer protection laws, feel free to read our terms and conditions or contact us directly.

 

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