Financial Advice Alpha is a newish term within financial services.
It is about added value not selling policies.
Does your financial adviser add value to your cogent understanding of financial planning?
Does your financial adviser assist with or offer or has, without you even knowing, changed/coached your behaviour with finance?
Does your financial adviser add value in achieving your goals and objectives?
Research suggests that having an adviser can add between 2-4% pa to personal wealth with tax savings, fund choices, proactive 'poking' and prompting.