Garry Mackay: I'm a financial planner, but I'm also human - and this market nearly broke me

I have a confession to make: I'm not a robo-adviser. I am a human being. This means I have a cornucopia of cognitive biases, blind spots and emotional baggage. Neither am I the poster boy for the assumption that people behave rationally to maximise their best interests. I'm more of a follower of Ava Gardner when she wrote: "God knows I've got so many frailties myself, I ought to be able to understand and forgive them in others." As a Chartered financial planner, my role is to understand what my clients wish to accomplish and create financial plans, aligned to their specific objectives...