Being in the financial industry for more than 30 years, Francis has seen the financial services industry evolve from just 2 main players; namely the banks and insurers, to the inclusion of “Independent Financial Adviser” firms as the third player with the introduction of the Financial Adviser’s Act (FAA) in October 2002. This has resulted changing not only the way financial products are sold but also shift the emphasis on product selling to more of financial planning and personal risk management. The advent of independent financial adviser firms has also resulted in consumers being able to experience unbiased product advice and more accurate matching of products to their financial objectives. Being a firm believer in the benefits of financial planning and in-depth understanding of the financial industry and practice, he would be able to share the job scope, challenges as well as career benefits as a financial consultant with an independent financial advisory firm.