'What my first experience of financial advice taught me'

A few weeks ago, immediately before the world became, understandably, obsessed with coronavirus and Covid-19, I took my first tentative steps on the path of ‘proper' financial planning. While I'd had a dabble with some mortgage advice here, and a bit of risk-profiling there, for all my years writing about IFAs and all facets of the financial services profession, I'd never sat down with an adviser and gone through the full process, until recently. Probably because - like so many prospective clients - I didn't feel I had enough money to warrant it. I had a bit held in both a cash ISA an...