Armchair critic: Dear IFAs, do you not want my business?

So far this year, I have received a plethora of flyers, leaflets and over-50s life assurance offers. I've also been bombarded with 1,500 emails selling everything from Viagra to hair restoration (who told them?). I am regaled from all corners.  Well, nearly all. I am entirely un-regaled by any offers of financial advice. I happen to know I am not alone in this. I used to live in a village called Dollar. Suggestive enough, I suppose, so maybe money was always on the mind of its inhabitants. The resident financial adviser circulated leaflets offering seminars on financial planning at hi...