How do you provide a service to a person who needs it very much, but has very little money to either pay for it or invest in products that will generate a fee for the adviser? In short, the financial advice system in this country is currently a very haphazard and fundamentally skewed system, providing only partially for the financial needs of their existing clients and effectively nothing for the financial needs of large parts of South African society. Given the importance of financial health for an entire society, we set our contributors the challenge of re-imagining the SA financial advice industry with the goal of overcoming these discriminatory outcomes. Unfortunately, this challenge turned out to be a step too far for most of our contributors. While this edition will show that there were some interesting and insightful contributions, the vast majority of the submissions consisted of proposing effectively minor tweaks to the current system.