On board today is Andy Darroch. Andy runs Independent Wealth Advice, an independent financial advice firm that provides fixed upfront fees for a statement of financial advice. He has a degree in accounting and is a CFP. He's also worked in wealth management for over a decade, including at Macquarie Bank and at one of Australia's oldest stockbroking firms, Wilson's Advisory and Stockbroking.Suffice to say he's got a bit of experience. He also calls himself a self-loathing financial advisor, which I find funny. He has some fairly controversial views on the financial advice industry, not being afraid to call out shitty or unethical products when he sees them.Having said that, it's Andy's belief that you can still get good financial advice for a fair cost without conflicts of interest - That can have a phenomenal impact on your long-term financial success. Listen in for all the details..