The access and affordability of financial advice in Australia continues to be a challenge just as people are starting to need it – more than ever. More than 4,000 financial advisers left the industry in 2019, representing a 15 per cent reduction in the total workforce, according to a report by Adviser Ratings. The number of advisers is expected to slump another 36 per cent to less than 15,000 over the next five years as educational requirements increase, major banks exit their wealth businesses, and commissions are removed or reduced. A survey by the Profession of Independent Financial Advisers (PIFA)...