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of Independent Financial Advisers who are paid via commission basis like the first category of Financial Advisers mentioned above. However, here at least the advisers can introduce a varieties of products to the customers.

Regardless of what kind of rewards the Financial Advisers have, code of ethics is all dependent on the Financial Advisers themselves. Even if they are paid salary basis, the Financial Advisers also act unethically at their own gains to 'sell' their products to the consumers. Though code of ethics have been studied and learned, but there is no way anyone can stop these unethical behaviour of the Financial Advisers. It just got to take the honest and sympathetic Financial Advisers who are able to empathise with people, to be able to practice the real meaning of code of ethics. Though there are Financial Advisers who are unethical, there are also some professionals real good Financial Advisers around who always put the clients in the first place, and do their vest best to serve their clients.

When it comes to Financial Services and approaching a Financial Adversers, you just have to be careful and do your homework. For illiterate people, it's just too bad, but as children or friends to these people, do help them and please have empathy for these people. Though earning money is crucial, but earning money through a clear conscience is even more better.

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