Has anyone here talked to Financial Advisers, Bankers etc on the down-low and heard what a pain in the arse these rules are and how they effect their business? I am not asking for the heady days of the late 90's with Advisers fresh out of school telling grandma and pa I can get you X% better than the market, the days of those cowboys are gone.
It is darn near clean sheet of paper time here people...
That's what my watch says too.