I met with a so-called IFA a couple of years ago for lunch, only because he nagged and nagged to meet up. So, I finally relented.
After listening patiently to his proposals, I declined. From that point he turned really nasty and rude.
Since then, I refuse to even speak to any of those so-called IFA's
Also be careful of your "relationship manager" at the bank, he or she is practically an IFA too