There are around 26,677 financial advisers in the UK, but only 3,238 of these (or 12%) have the highest level of qualification for advisers, the Fellowship of the Personal Finance Society (FPFS)?
You will be pleased to know David has been FPFS qualified since 2006.
Surely it makes sense to go with the 12% who are FPFS qualified, rather than the 88% who are not?