The Financial Markets Authority has put out a draft set of guidelines for the standards of good conduct from finance companies and the people who work for them. At the heart of the guidelines is a requirement to put a client's interests first. But has the FMA gone far enough? Bay of Plenty based independent financial advisor Brent Sheather says the watchdog should have the big banks in their sights. He says bank financial advisors sell only their own often high cost products which may not be anywhere near the best deal for the investor. Karen Scott-Howman is the Chief Executive of the NZ Bankers' Association.