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Profile: David Gow is a Chartered and Certified financial planner with Acumen Financial Planning in Edinburgh. Less than 4% of financial advisers in the UK are Certified alone – around 900 out of 23,000. David is passionate about the need for the financial services industry to evolve into a profession and, specifically, for advisers to be highly qualified. He advocates impartial fee-based advice, especially as clients become older, wealthier and their affairs become more complex.