"It's their plan for your money, so assume deception"

I contend that the only reason an advisor would recommend such an expensive and inflexible investment plan is to earn a fat commission payment, and therefore the payment of a large commission to an advisor is akin to bribery. 

I couldn't agree more with the above statement. Did Richard Cayne really have his clients' best interests at heart when he recommended lousy investment products such as Zurich International Life?

https://www.japantimes.co.jp/community/2014/02/26/voices/its-their-plan-for-your-money-so-assume-deception/#.WqEjVZNuZIY

Here's a review from a satisfied (?) Cayne client:

https://meyer-international.pissedconsumer.com/scammed-by-richard-cayne-20150110580676.html