Their fees and charges are not transparent and clear. They "talk down" to you. They overcomplicate things and don't explain things in plain, everyday English.
It's important to look at the fuller picture of the costs involved in financial decision-making. There's so much more than just the cost of advice. So what are some of these?
The fear of running out of money and its consequences - from not being able to put food on the table or a roof over your head - is so primal and human.
In the first part of a series of articles, Surekha Aggarwal explains how accountants in practice can optimise their income, but they must make tough decisions.