Most IFAs saw a decline in their business in 2019

I am sure IFAs who are saying they saw growth are talking about their AUM growth and not their income because what has happened is even after growing AUM to 3 times the income has remained what it was before 4 years. So 4 precious years of our lives are wasted. So we are working and growing our AUM just to save our income and not grow it. This should apply to the regulator staff first. They should set an example by reducing their salaries because in fact their salaries are going from tax payer's pockets and it is not even justified because are not doing anything meaning they only wake up after everything wrong has happened or may be they are aware and let the fraud happen and then to show that they are vigilant and strict show that they have taken action against the fraudster. Also they never go on ground to check the reality but they go to foreign countries using tax payor money and just brimg the policies regardless of the difference in the situations, demographics and literacy levels. Or may be the foreigners are influencing them to do these things because they want to enter and before that they want competition to be eliminated which the regulator is helping them with. There real missellers(banks) are just ignored by the regulator and they only are helping C's to maximise profits at the cost of crores of investors ( they are supposed to safeguard in the first place).