Wealth advice for millennials. Are 'education bonds' for real?

This week on The Money Cafe, James Kirby and financial adviser James Gerrard discuss the following topics:

• How to find a good financial advisor?
• Which clients do financial advisors turn away?
• The increased interest affecting customers of the first home owners grant.
• The problem with tax deduction on SMSFs.
• Should you invest in gold?
• What tax implications apply if you contribute over the $1.6 million super cap? 
• Are higher fees worth the diversification?
• The fundamental difference between investing in Australian versus international shares.  
• What millennials can do to build wealth.